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.

  • 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.
  • You can submit your claim online or call us at .

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.

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: February 17, 2021

  • 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.

Your Trip Cancellation coverage ends when you turn down the return flight that your provider offers. Since you're not taking the replacement flight for the trip that you insured, the cancellation coverage for this trip ends.

Desjardins strongly recommends that you take one of the flights that your provider is offering. If you decide to stay in the country that you're visiting, you may run into problems finding another return flight. In addition, you may have limited access to healthcare at your destination because of limited resources and high volumes at local hospitals.

If you want to continue your trip, you can only extend the following coverages, provided you have them: Emergency Health Care, Baggage and Accident.

Remember that to be insured for Emergency Health Care, you must be covered under the health and hospitalization insurance plans of your province of residence for the full length of your trip.

If you have Trip Cancellation coverage, your coverage ends when you turn down the return flight offered by your provider. Since you're not taking the replacement flight for the trip that you insured, the cancellation coverage for this trip ends.

Desjardins strongly recommends that you take one of the flights that your provider is offering. If you decide to stay in the country that you're visiting, you may run into problems finding another return flight. In addition, you may have limited access to healthcare at your destination because of limited resources and high volumes at local hospitals.

Unfortunately, you aren't covered if you decide to interrupt your trip for this reason.

The pandemic has created a lot of uncertainty. Given the circumstances, the government can introduce new requirements at any time to stop the virus from spreading. Interrupting your trip because of the quarantine ordered by the Canadian government upon your return is not a cause for interruption that your insurance recognizes.

Unfortunately, no. The pandemic has created a lot of uncertainty. Given the circumstances, the government can introduce new requirements at any time to stop the virus from spreading. Your insurance does not cover the costs to quarantine upon your return.

I have travel plans

Last update: May 4, 2021

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

Yes. As of October 1, 2020, if the Canadian government has issued a level 1, 2 or 3 travel advisory for your destination, you’ll be covered for emergency healthcare, even if you get sick with COVID-19.

However, if the Canadian government has issued a level 4 travel advisory for your destination, you will not be covered.

Government of Canada risk levels and advisories

  • Level 1: Exercise normal security precautions
  • Level 2: Exercise a high degree of caution
  • Level 3: Avoid non-essential travel
  • Level 4: Avoid all travel

If you need emergency healthcare while on your trip, our Assistance Service will do everything it can to direct you to the available resources.

Remember that if you’re travelling during a pandemic, access to healthcare may be limited. You may also have trouble getting back to Canada if airlines decide to suspend their services.

In addition, the Government of Canada is not planning to offer any more repatriation flights like it did at the beginning of the pandemic.

Emergency Health Care coverage

If the travel advisory level when you left was 1, 2 or 3, you’ll be covered until the return date on your insurance contract. However, if you decide to extend your coverage, any emergency healthcare costs during the extended period won’t be covered.

Trip Cancellation coverage

If the advisory level is upgraded to 3 or 4 during your trip, you'll be covered for the costs of interrupting your trip.

Unfortunately, you can't get reimbursed for the expenses for this kind of cancellation, even if your travel provider doesn't offer you a refund or travel credit.

The pandemic has created a lot of uncertainty. Given the circumstances, the government can introduce new requirements at any time to stop the virus from spreading. Expenses for cancelled flights are not covered under your travel insurance.

We urge you to contact your provider to find out what refund options are available (many providers have posted their refund terms and conditions on their websites).

Unfortunately, no. Your insurance does not cover optional, non-emergency care. Fees for vaccination are not covered.

Trip Cancellation coverage doesn't cover situations that you were aware of when you bought your trip and/or insurance. You’re responsible for knowing what documents you need and for meeting any requirements your transportation company or destination country may have before leaving on your trip.

If you have to cancel your trip because you didn’t meet one of the requirements, you won’t be covered by your travel insurance.

You're also not covered if you want to cancel your trip due to a level 3 travel advisory, since the travel advisory has been in effect since March 13, 2020.

However, Trip Cancellation coverage does cover situations where someone suddenly and unexpectedly falls ill. That means that if you get sick with COVID-19 before your departure or if you’re turned away because you have COVID-19 symptoms, you will be covered.

If you have Emergency Health Care coverage, your living expenses will be covered.

If you have Trip Cancellation coverage, you’ll be covered for things like the additional cost to change the date and time of your flight.

If you must stay in your destination country longer than expected, make sure to contact us to extend your coverage.

Your insurance doesn't cover fees for COVID-19 tests, whether you take them as a precaution or because they're required by a transportation company or Canadian or foreign government authorities.

You should be aware that travelling during a pandemic involves additional costs that aren’t covered by your insurance.

Unfortunately, you aren't covered if you cancel your trip for this reason, even if your travel provider doesn't offer you a refund or travel credit.

The pandemic has created a lot of uncertainty. Given the circumstances, the government can introduce new requirements at any time to stop the virus from spreading. Cancelling your trip because of the quarantine ordered by the Canadian government upon your return is not a cause for cancellation that your insurance recognizes.

We urge you to contact your provider to find out what refund options are available (many providers have posted their refund terms and conditions on their websites).

No. Your insurance will not reimburse you if you cancel your trip due to provincial COVID-19 recommendations (for example, travelling to a "red zone" in Quebec).

The Canadian government has not issued any advisories telling people to avoid travel outside of their home province.

If you're planning to travel within Canada soon, check your travel provider’s cancellation policy to avoid any unpleasant surprises.

We know that some of you would rather get reimbursed through your Trip Cancellation coverage than get a travel credit.

However, a travel credit is considered the same as a refund, whether you accept it or not. If your travel provider offers you a refund—even travel credit—for a cancelled trip, you can’t claim this amount under your Trip Cancellation coverage.

We understand that the pandemic may mean you weren't able to use your travel credits. You may be eligible for reimbursement if you meet all of the following conditions:

  • You had Trip Cancellation coverage on March 13, 2020.
  • You purchased your trip before March 13, 2020.
  • Your trip was cancelled after the Canadian government recommended avoiding all non-essential travel or cruises outside the country.
  • Your travel provider offered you a travel credit as a reimbursement following the cancellation of this trip.
  • Your travel credit is now expired, and the travel provider's policy states that no extension can be made. You have no other option for compensation.
  • Your travel credit expired while the Canadian government's recommendation to avoid non-essential travel or cruises outside of Canada was still in effect.

To find out if your travel credits can be refunded, please contact your travel service supplier. They'll let you know if you're eligible for a refund.