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Coronavirus: Does your travel insurance cover you?

Coronavirus: Does your travel insurance cover you?

Coronavirus: Does your travel insurance cover you?

Did you know that some travel insurers have recently made the decision not to include coverage for trip cancellation or interruption if it is related to CoVid-19?   Several others will probably follow, which is why it is essential to carefully check the coverages offered by your insurer before planning or going on a trip because the situation is constantly subject to change.

If your contract does not cover this specific situation, imagine what it could cost you and your family to simply change the return date of your plane tickets.

In the event that you are covered for trip cancellation or interruption, you should still know that certain conditions may apply, including the fact that your insurance must have been purchased before the issue of a warning from the government of Canada saying to “avoid all travel” or “avoid all non-essential travel” to the chosen destination.

The easiest and safest way is to communicate directly with your travel insurance provider before purchasing your ticket or before leaving the country.

Everything you need to know about coronavirus

  • Coronavirus is part of a family of viruses that can cause a wide variety of health problems, ranging from a simple cold to much more serious illnesses, such as pneumonia, kidney failure, or gastrointestinal disease.
  • People with weakened immune systems—the elderly, young children, and those suffering from chronic illnesses—are at greater risk of developing complications if they become infected with a coronavirus.
  • The symptoms of a coronavirus illness are:
    • Runny nose
    • Headache
    • Cough accompanied by a sore throat
    • Fever
    • Difficulty breathing
    • General feeling of weakness

Certain rules to minimize your risks of becoming infected or contagious

  • Wash your hands regularly with warm, soapy water for at least 20 seconds.
  • Check the food that you eat. Make sure any meat or chicken products you eat are thoroughly cooked and have not expired. Take the necessary precautions to avoid any form of cross-contamination when you cook raw meat and wash your hands often.
  • Be careful about where you go during your stay. Avoid all contact with wild or farm animals, living or dead.
  • Limit or avoid close contact with sick people who show symptoms such as cough, fever, or difficulty breathing.
  • Minimize the risks of spreading the virus. When you sneeze or cough, cover your mouth and nose fully with a tissue, your sleeve, or the crook of your elbow.
  • Pay attention to your body’s signals. If you get sick during or after your trip, avoid all contact with others and seek medical assistance immediately.

Finally, if you don’t absolutely have to travel these days, it may be better for you to postpone your trips outside the country.


Jackie Beaudoin, Leclerc Insurance and Financial Services
Sources :  Croix Bleue  Gouvernement du Canada  Journal de Montréal