Close X
Wednesday, December 11, 2024
ADVT 
National

Ins And Outs Of Travel Insurance Amid Novel Coronavirus Outbreak

The Canadian Press, 10 Feb, 2020 08:04 PM

    VANCOUVER - Travellers nervous about globe-trotting during the novel coronavirus outbreak may be eligible to receive a refund for cancelling their travels, say insurance experts, but it depends on the destination, their insurance policy and other factors.

     

    "I think in any case of sort of an epidemic like this, it's really an evolving situation and every day is different, something new happens," said Joan Weir, director of health and disability policy for the Canadian Life and Health Insurance Association. CLHIA represents 99 per cent of the country's life and health insurance companies, according to its website.

     

    Travel insurers watch the unfolding situation very carefully, she said, and the association is frequently checking in with all its members about what they're experiencing.

     

    There are now more than 31,000 confirmed cases of coronavirus, which originated in Wuhan, China, according to the World Health Organization.

     

    The bulk of these are in China, where there have also been 637 deaths. Across 24 other countries, there are 270 confirmed cases and one death. There are five confirmed cases in Canada.

     

    The WHO declared the outbreak a global health emergency in late January.

     

    The Canadian government issued a Level 3 advisory for China, asking Canadians to avoid non-essential travel. There is only one higher level, which advises travellers to avoid all travel.

     

    The government recommends people avoid travelling to Hubei Province, where Wuhan city is located. The province has recorded 22,112 of China's 31,211 coronavirus cases, according to the WHO.

     

    As soon as the Canadian government declares a Level 3 or 4 travel advisory, a person may cancel their upcoming trip and their insurance should cover any lost expenses, said Weir.

     

    "You'd have to submit receipts," she said, but travellers should receive refunds for flights, hotels and other costs.

     

    Trips booked before the government issues these advisories are often covered by travel insurance, said an emailed statement from the insurance company RSA Canada.

     

    "Trips booked after this point are not eligible for medical coverage or trip cancellation/interruption coverage."

     

    Allianz Global Assistance Canada, which declined to comment due to "how quickly the current coronavirus is evolving and the changing advisories" from Canada's government and others, posted a notice on its website to customers about the outbreak indicating booking timing mattered for coverage eligibility.

     

    People travelling to China whose trip cancellation benefits kick in if the government issues a Level 3 advisory would be eligible to submit a claim if they purchased insurance before Jan. 29, when the government issued its advisory, according to the statement.

     

    For those who do qualify, it doesn't matter whether their trip is next week or in six months, said Weir.

     

    However, the destination matters. While 24 countries have confirmed coronavirus cases, Canada's travel advisory applies only to China. That means a person who feels uncomfortable travelling to any of the other countries won't be able to get a refund for cancelling their trip, she said.

     

    That is, unless they purchased what's known as cancel-for-any-reason insurance, she said, which does exactly what the name implies.

     

    Those who haven't purchased any travel insurance may still be able to secure a refund, Weir noted, as many major credit cards offer some kind of coverage.

     

    "But it depends on which credit card you have and what the benefits are," she said. "So it's good to know what your credit card covers for trip cancellation, for trip health, all that."

     

    MORE National ARTICLES

    3,500 New Affordable Homes Underway Or Completed In Vancouver

    A new affordable rental housing project for seniors and families on Southwest Marine Drive is part of the 3,500 new homes underway or completed in Vancouver, thanks to partnerships between the Province, the City of Vancouver and community partners.

    3,500 New Affordable Homes Underway Or Completed In Vancouver

    New Canada Line Trains Increase Service For Customers

    Canada Line is a 19-kilometre route with 16 stations, two bridges and nine kilometres of tunnel

    New Canada Line Trains Increase Service For Customers

    Young Child Seriously Injured In Suspected Drunk Driving Crash In Delta

    Young Child Seriously Injured In Suspected Drunk Driving Crash In Delta
    A young child has received serious injuries after being hurt in a crash involving a suspected drunk driver.  

    Young Child Seriously Injured In Suspected Drunk Driving Crash In Delta

    Elderly Man Seriously Injured After Being Hit By Transit Bus: Burnaby RCMP

    Elderly Man Seriously Injured After Being Hit By Transit Bus: Burnaby RCMP
    At 6:20 a.m., Burnaby RCMP Frontline officers responded to a report that a pedestrian had been struck by a bus at the intersection of Imperial Street and Royal Oak Avenue in Burnaby.

    Elderly Man Seriously Injured After Being Hit By Transit Bus: Burnaby RCMP

    Langley Arsonist, 24, Arrested And Charged For Residential Fire On January 17

    Langley Arsonist, 24, Arrested And Charged For Residential Fire On January 17
    Mark DYBLE, a resident of Langley, was charged with Arson, and released by the Courts on conditions.

    Langley Arsonist, 24, Arrested And Charged For Residential Fire On January 17

    Malaysia Returns 150 Containers Of Garbage, Including 11 To Canada

    Malaysia Returns 150 Containers Of Garbage, Including 11 To Canada
    Malaysia says it returned 11 shipping containers of plastic garbage to Canada after they arrived on its shores illegally last year.

    Malaysia Returns 150 Containers Of Garbage, Including 11 To Canada