Coronavirus (COVID-19)

Updated: March 23, 2020 at 4:07 p.m.

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I’m leaving on a trip in the next 30 days

How can I cancel my trip scheduled within the next 30 days and be reimbursed?

We are currently processing all trip cancellation claims for trips that are scheduled to take place in the next 30 days.

If that is your situation, proceed as follows:

Contact the first payers first, i.e., travel provider, airline or credit card company from whom you purchased your trip for reimbursement.

For Quebec residents only

If you booked your trip through a travel agency, 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 your insurance card and in the Customer Centre.

For which destinations can I cancel my trip?

Given that the Canadian Government issued a non-essential travel advisory for all trips taken outside Canada, trip cancellation insurance covers all destinations from the time the advisory was issued, i.e., March 13, 2020, for all countries except for China, for which an advisory was issued on January 29, 2020; Northern Italy, for which an advisory was issued on March 4, 2020, and cruises, for which an advisory was issued on March 10, 2020.

To cancel a trip, you must have trip cancellation and interruption insurance and the two following conditions must be met:

  • You must have booked your trip before the date on which a non-essential travel advisory was issued by the Canadian Government for your destination.
  • Your trip must take place in the period during which the travel advisory is in effect.
Can I cancel my cruise?

If you want to cancel your cruise, you must have trip cancellation and interruption insurance and the two following conditions must be met:

  • You must have booked your cruise before the Canadian Government issued a non-essential travel advisory for all trips, i.e., on March 10, 2020, for cruises.
  • Your cruise must take place in the period during which the travel advisory is in effect.
Will my airline reimburse my plane tickets?

Yes, most airlines reimburse plane tickets when flights are cancelled.

Some airlines, like Air Canada, are open to rebooking your flight or changing your flight to another destination for which the Canadian Government did not issue a travel advisory.

What happens if the travel provider or airline only offers travel credit as reimbursement and I refuse it?

For SSQ Insurance, a travel credit is equal to a reimbursement, and it will be deducted from the reimbursement, whether or not the insured accepted it. Consequently, if the travel credit is equal to the total amount of the trip, SSQ Insurance will not issue a reimbursement.

If the travel provider or airline charges additional fees for accepting travel credit, will SSQ reimburse them?

Yes, if the trip cancellation and interruption clause is provided for in your contract.

Am I covered if I decide to travel abroad?

No. Your travel insurance will not reimburse you for a destination or a cruise for which the Canadian Government issued a travel advisory, even if you are sick from COVID-19, another illness or injured.

My trip includes multiple destinations. How does trip cancellation and interruption work with respect to COVID-19?

Since the Canadian Government issued a non-essential travel advisory for outside Canada, including cruises, trip cancellation covers all destinations from the time the advisory was issued, i.e., March 13, 2020, for all countries except for China, for which an advisory was issued on January 29, 2020; Northern Italy, for which an advisory was issued on March 4, 2020, and cruises, for which an advisory was issued on March 10, 2020.

To cancel a trip, you must have trip cancellation and interruption insurance and the two following conditions must be met:

  • You must have booked your trip before the date on which the non-essential travel advisory was issued by the Canadian Government.
  • Your trip must take place in the period during which the travel advisory is in effect.

If you booked a trip after March 13, trip cancellation and medical expenses will not be reimbursed. This will apply for as long as the travel advisory is in effect, even if the advisory moves from worldwide to regional.

Take note that, regardless of the situation, insureds who are considered essential travellers, such as truckers, remain covered by their insurance policy.