Travel

New entry requirements for travellers to Canada starting November 21, 2020.

The Canadian government is maintaining its efforts to reduce the spread of COVID-19. Before entering the country, all travellers must now provide mandatory information through the Government of Canada's ArriveCAN - External link. Opens in a new window. mobile app or website.

Travel

The COVID-19 pandemic continues to be an exceptional situation. That's why we're reminding all our members and clients with travel insurance to follow government recommendations regarding travel outside their province of residence.

If you need to travel despite the Government of Canada's advisory to avoid non-essential travel, know that you can count on your travel insurance coverage.

If you have questions, please call us at .

If you have travel plans

Do you have an upcoming trip planned? We're here to answer all of your questions.

  • We're fully staffed and ready to answer your questions.
  • These circumstances are unprecedented, but we're doing what we can to speed up our claims process. We want to get your claims processed as quickly as possible.
  • Before you leave on a trip, find out what government recommendations are in place for your destination, and what your travel insurance will cover in relation to COVID-19 (whether it's group, individual or credit card insurance).
  • Find out what health and safety precautions to take while travelling and what health measures will be in place when you board, arrive at your destination and return to Canada (14-day quarantine, COVID-19 test, etc.).
  • Be aware that if the Government of Canada issues an advisory urging Canadians to return home, you'll have to make travel arrangements within the prescribed timeframe. Flights are currently limited due to the pandemic.
  • To get travel insurance or if you have any questions, call .

If you have group insurance with Desjardins, please refer to the group insurance FAQ.

See our FAQ for more information

How you submit a claim

This situation is unprecedented, but we're doing everything we can to help our members and clients as quickly as possible.

Given the high volume of claims we're processing, we've decided to prioritize members and clients with upcoming departure dates.

If your trip isn't due to start or your deposit isn't due in the next 30 days, please hold off on submitting your claim.

Of course, if your situation is particularly urgent or complex, we're here for you. We'll be looking at all special claims on a case-by-case basis.

If your trip was scheduled to begin in the next 30 days, please use our online services.

  • Before you submit a claim, check whether the payment terms specified by your travel service provider have changed. If your provider offers you a travel credit, see our FAQ section for everything you need to know on this topic.
  • If your trip was scheduled to begin more than 30 days from now but you have to provide a deposit within the next 30 days, we recommend that you don't provide the deposit and cancel your trip right away. This way you can limit any payments you make to your travel service provider.
    Important: The Government of Canada advisory against all non-essential travel is still in effect. Any deposit you make will not be refunded if you cancel or change your trip.
  • You can submit your claim online or call us at .

No matter what your situation is, Desjardins is here to help. We offer personalized support, tailored to your specific needs.

FAQ

I'm currently travelling

Last update: December 7, 2020

  • If you already purchased Trip Cancellation insurance

    You can find information in AccèsD or the Desjardins app in the Life and health insurance section under My insurance documents.

  • If you purchased your trip with your Odyssey Gold Visa, Odyssey World Elite Mastercard, Odyssey Visa Infinite Privilege, Platinum Visa or Prestige Platinum Visa credit card:

    You have comprehensive travel insurance, including trip cancellation coverage, up to $2,500 per person. Note that with the Prestige Platinum Visa, your coverage goes up to $2,000 per person.

  • If you have group insurance

    Please see our group insurance FAQ.

If you have Trip Cancellation insurance, you'll be reimbursed:

  • $200 per day, per insured person, for your additional living expenses (accommodation, meals, transportation, etc.) up to a maximum of $2,000 per insured person.
  • The cost of changing the date and/or time of a ticket you purchased from a scheduled carrier (plane, boat, train, bus). The new ticket must be a one-way economy class ticket that takes the most direct route to get you to your starting destination.
  • The unused and non-refundable portion of payments you made in advance to a travel services provider for land arrangements.

If you have Emergency Health Care insurance and your return home is delayed because you are ill, you'll be reimbursed:

  • $200 per day, per insured person, for your additional living expenses (accommodation, meals, transportation), up to a maximum of $2,000 per insured person.

Important: To be eligible for the travel insurance period extension, you need to have purchased your insurance before your departure and for the full scheduled duration of your trip.

Yes. Desjardins will cover its members and clients who have travel insurance and decide to travel despite an advisory issued by the Government of Canada to avoid all non-essential travel.

Since October 1, 2020, you are covered for emergency healthcare (including care related to COVID-19), even if you visit a destination for which the Government of Canada issued a Level 3 – Avoid non-essential travel advisory. To qualify for reimbursement, you must meet all other conditions for insurability (for example, your medical condition must be stable before you leave). If you took out accident insurance or baggage loss or theft insurance, you are also covered.

Here's an example to explain how this affects your travel insurance since October 1, 2020.

You're leaving your province of residence to travel to the United States after the Canadian government has issued an advisory to avoid all non-essential travel to that country due to COVID-19. If you receive care related to COVID-19 during the trip, your insurance will reimburse you for expenses incurred based on the provisions of your policy.

Important: You are not covered for emergency healthcare, accidents or baggage loss or theft if you visit a country for which the Government of Canada issued a Level 4 – Avoid all travel advisory. However, we will accept your claim if you can demonstrate that the COVID-19 situation in the destination did not contribute in any way to the illness, accident or expenses incurred.

If you need to receive emergency healthcare abroad, our assistance services will do everything it can to direct you toward available resources.

Remember that if you are travelling during a pandemic, access to healthcare may be limited. You may also have difficulty returning to Canada if airlines decide to suspend their services.

In addition, the Government of Canada does not anticipate offering any more repatriation flights like it did at the beginning of the pandemic.

If you have group insurance with Desjardins, please refer to the group insurance FAQ.

I have travel plans

Last update: December 7, 2020

If you have group insurance, please refer to the group insurance FAQ.

Yes. Desjardins will cover its members and clients who have travel insurance and decide to travel despite an advisory issued by the Government of Canada to avoid all non-essential travel.

Since October 1, 2020, you are covered for emergency healthcare (including care related to COVID-19), even if you visit a destination for which the Government of Canada issued a Level 3 – Avoid non-essential travel advisory. To qualify for reimbursement, you must meet all other conditions for insurability (for example, your medical condition must be stable before you leave). If you took out accident insurance or baggage loss or theft insurance, you are also covered.

Here's an example to explain how this affects your travel insurance since October 1, 2020.

You're leaving your province of residence to travel to the United States after the Canadian government has issued an advisory to avoid all non-essential travel to that country due to COVID-19. If you receive care related to COVID-19 during the trip, your insurance will reimburse you for expenses incurred based on the provisions of your policy.

Important: You are not covered for emergency healthcare, accident or baggage loss or theft if you visit a destination for which the Government of Canada issued a Level 4 – Avoid all travel advisory. However, we will accept your claim if you can demonstrate that the COVID-19 situation in the destination did not contribute in any way to the illness, accident or expenses incurred.

If you need to receive emergency healthcare abroad, our assistance services will do everything it can to direct you toward available resources.

Remember that if you are travelling during a pandemic, access to healthcare may be limited. You may also have difficulty returning to Canada if airlines decide to suspend their services.

In addition, the Government of Canada does not anticipate offering any more repatriation flights like it did at the beginning of the pandemic.

Although some countries have reopened their borders to visitors, the Government of Canada has not changed its advisory to avoid all non-essential travel outside Canada.

The government also continues to advise that you avoid all cruise ship travel outside of Canada until further notice.

Please visit the Government of Canada website for updates.

If you bought your trip or Trip Cancellation coverage before March 13, 2020, you will be covered if, on the date of your departure, a Level 3 – Avoid non-essential travel advisory issued by the Government of Canada was in effect.

If a government advisory was issued prior to March 13, 2020, for your destination (this is the case for China, Italy, Iran and any cruise trips), the date of that advisory will be the date that applies.

If you paid for a trip or bought Trip Cancellation insurance on or after March 13, 2020, you will not be covered for a cancellation resulting from COVID-19.

However, if the Government of Canada upgrades its advisory for your destination to Level 4 – Avoid all travel, you will be covered in case of cancellation.

Given the high volume of claims we're processing, we've decided to prioritize members and clients with upcoming departure dates.

If your trip isn't due to start in the next 30 days, please hold off on submitting your claim.

Of course, if your situation is urgent or complex, we're here for you. We'll be looking at all special claims on a case-by-case basis.

We know that some of our members and clients would prefer to be reimbursed through their trip cancellation insurance instead of getting a travel credit from their travel provider.

However, we will only reimburse you if you have no other way of being compensated. A travel credit is considered a reimbursement. That means if you refuse it, you won't be reimbursed through your Trip Cancellation insurance.

We understand that the current situation may have our members and clients worried about their finances. Desjardins is introducing special relief measures for people who are experiencing financial difficulty.

Depending on your situation, you could be eligible for payment relief on all your financing products with us.

These measures won't have any negative impact on your credit rating.

We're currently unable to send confirmation of receipt emails for claims sent to us by mail. However, rest assured that we are processing all claims. We're giving priority to cancellations of trips with a departure date scheduled in the next 30 days and trips that require a deposit in the next 30 days.

Unfortunately, you cannot be reimbursed for expenses you have incurred in this situation. Your insurance does not provide for reimbursement if you cancel your trip due to COVID-19 recommendations from a provincial government.

If you're planning on visiting a region of Canada soon, ask about your travel service supplier's cancellation policy to avoid unpleasant surprises.