How Travel Advisories May Affect Your Travel Insurance Coverage

As travel plans pick up throughout the year, we want to share an important reminder about how Government of Canada travel advisories can affect your insurance coverage while travelling outside Canada.

Many individuals and employees have travel coverage through:

• Group benefit plans (emergency medical travel coverage)
• Individual or family travel insurance policies
• Credit card or other packaged travel insurance arrangements

Regardless of how your coverage is structured, travel advisory status can impact how your policy responds.

How Travel Advisories Can Affect Your Coverage

If a destination is listed by the Government of Canada as:

• “Avoid non-essential travel”, or
• “Avoid all travel”

your emergency medical coverage may be reduced, restricted, or not apply at all — even if you are enrolled in a group benefits plan or have purchased separate travel insurance.

This can result in:

• Denied or limited emergency medical claims
• Out-of-pocket expenses for hospital care, physician services, or medical evacuation
• No coverage for trip-related complications tied to the advisory

If You Have an Upcoming Trip

To protect yourself and avoid surprises, we recommend the following steps:

1. Check the current Government of Canada Travel Advice & Advisories for your destination:
   https://travel.gc.ca/travelling/advisories
2. Contact your insurance carrier directly (via portal or phone) to confirm how your specific coverage may be affected. This is typically the fastest way to obtain accurate information.
3. Reach out to Capcorp Financial if you need additional guidance or clarification regarding your coverage.

Being informed before you travel can make all the difference if an unexpected medical situation arises.

If you have upcoming travel plans or questions about your travel insurance coverage, please don’t hesitate to contact your Capcorp Financial advisor. We’re here to help you travel with confidence