To be covered by your insurance policy, you must take the necessary measures to return home as quickly as possible.

This way you are covered for all medical and emergency medical expenses, whether you are sick as a result of COVID-19, other causes or an accident, if you returned to Canada before March 27, 2020. Refer to your contract as certain exceptions may apply.

If you were unable to return before March 27, 2020 (due to border closures or unavailability of flights for example), you will continue to be covered until you are able to return. Keep all supporting documents proving that you were unable to return in time.

If you are covered by your contract despite the COVID-19 epidemic

For all departures since April 6, 2020, SSQ Insurance will no longer consider COVID-19 as a sudden and unexpected illness with respect to eligible travel insurance expenses.

Therefore, your travel insurance coverage will not cover any expenses associated with COVID-19 because it is considered to be an expected and predictable illness.

To be covered for a for trip interruption, your contract must include trip cancellation and trip interruption insurance and you must have left prior to the dates on which non-essential and all-travel advisories were issued by the Canadian Government. For all countries, the advisory was issued on March 13, 2020. For China, the advisory was issued on January 29, 2020. For Northern Italy, the advisory was issued on March 4. For cruises, the advisory was issued on March 10.

The trip interruption compensation will be prorated to the number of days not covered by your travel services providers (e.g., travel agency, airline, lodging provider), credit card or, for Quebec residents, by the Compensation Fund for Customers of Travel Agents. You must therefore submit a claim to them first.

First, call the first payers, i.e., your travel services providers (e.g., your travel agency, airline, etc.) or your credit card.

For Quebec residents only

If you booked your trip through a travel provider, you must first request reimbursement from the Compensation Fund for Customers of Travel Agents.

Then, contact your travel insurance assistance service. It is provided on the back of your insurance card and in the Customer Centre.

• For those covered by CanAssistance, fill out the form on the CanAssistance site
• For those covered by AXA Assistance, contact AXA
• For those covered by Assistel, contact Assistel

You will be covered for the extra cost of a single ticket, in economy class, aboard a commercial airline, on a set schedule, for the most direct return itinerary to the destination that was initially planned, up to the maximum amount stipulated in your contract.

Please take note that to be covered under your insurance contract, you must be back in Canada before March 27, 2020. This way you will be covered for medical and emergency medical expenses, whether you are sick as a result of COVID-19, other causes or an accident. Refer to your contract as certain exceptions may apply.

If you were unable to return before March 27, 2020 (due to border closures or unavailability of flights for example), you will continue to be covered until you are able to return. Keep all supporting documents proving that you were unable to return in time.

As recommended by the Canadian Government, Canadians who are abroad must use the commercial options available to them to return to Canada and must consider returning to Canada sooner than initially planned.

In the event that returning to the country is not possible because the border is closed, your living expenses will be at your expense. These expenses are not covered by your policy.

However, if you must be hospitalized, whether for COVID-19 or not, your living expenses will be covered.

Call your travel insurance’s assistance service. You will be referred to a healthcare professional.

The assistance service for your travel insurance is provided on the back of your insurance card and in the Customer Centre.

• For those covered by CanAssistance, fill out the form on the CanAssistance site
• For those covered by AXA Assistance, contact AXA
• For those covered by Assistel, contact Assistel

To be covered under your insurance contract, you must be back in Canada before March 27, 2020. Refer to your contract as certain exceptions may apply. If you were unable to return before March 27, 2020 (due to border closures or unavailability of flights for example), you will continue to be covered until you are able to return. Keep all supporting documents proving that you were unable to return in time.

If you did not take the necessary measures to return from abroad before March 27, 2020, you are no longer covered for trip interruption or for medical and emergency medical expenses, whether you are sick as a result of COVID-19, other causes or an accident.

If you are covered by your contract despite the COVID-19 epidemic

For all departures since April 6, 2020, SSQ Insurance will no longer consider COVID-19 as a sudden and unexpected illness with respect to eligible travel insurance expenses.

Therefore, your travel insurance coverage will not cover any expenses associated with COVID-19 because it is considered to be an expected and predictable illness.

Yes, we will cover you during your quarantine.

If the Canadian Government hadn’t yet issued an advisory at the time of your departure, medical expenses are covered by your travel insurance.

If a Level 3 advisory had already been issued by the Canadian Government at the time of departure, medical expenses won’t be covered by your travel insurance.

The additional cost of a single economy-class ticket, to travel by the most direct route to the departure point by the means of transportation initially planned, is covered.

If the means of transportation that was initially planned cannot be used (regardless of whether it has been paid for or not), we will reimburse the cost required by a fixed-schedule common carrier for economy class transportation via the most cost-effective means of transportation, by the most direct route, for the insured person’s return to the departure point.