Coverage Alerts
Active travel advisories and events that may affect your travel insurance coverage.
Government of Canada travel advisories can affect your coverage. This page explains how each advisory level works. Sacraw Financial does not monitor advisories for you or issue alerts — always check the current advisory for your destination at travel.gc.ca before you buy and before you depart.
How Travel Advisories Affect Your Coverage
Travel insurance coverage may be affected when the Government of Canada issues travel advisories for your destination. Here’s how each advisory level impacts your policy:
| Advisory Level | Impact on Coverage |
|---|---|
| Take normal security precautions | Full coverage applies |
| Exercise a high degree of caution | Full coverage applies |
| Avoid non-essential travel | Coverage may be limited. Trip cancellation may apply if advisory issued after you booked your trip or purchased your policy (whichever is later) and remains in effect on or within 7 days before departure. |
| Avoid all travel | Coverage for a medical condition related to the advisory is typically limited or excluded. Trip cancellation applies if advisory issued after you booked your trip or purchased your policy (whichever is later) and remains in effect on or within 7 days before departure. |
Check Your Destination
Before purchasing travel insurance or departing on your trip, always check the current advisory level for your destination at travel.gc.ca/travelling/advisories.
Important Notes
- Advisories in effect at the time you booked your trip or purchased your policy (whichever is later) are not covered reasons for trip cancellation
- “Avoid all travel” or “Avoid non-essential travel” advisories issued after you booked your trip or purchased your policy (whichever is later) may trigger trip cancellation coverage if they remain in effect on or within 7 days before departure
- Emergency medical coverage for an advisory-related condition is limited to 30 days from the advisory’s issue date if an “avoid all travel” or “avoid non-essential travel” advisory is issued after you have already arrived (unless the insurer authorizes an extension)
- Always call the 24/7 Global toll-free line (+1-800-663-0399), the Emergency Hospitalization line (+1-800-533-8718), or direct at +1-604-278-4108 as soon as possible for medical or trip interruption emergencies while travelling
This page is for informational purposes only. Refer to your policy booklet for complete terms and conditions.
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