Travel abroad

With the world situation changing so rapidly, we suggest you consult the Government of Canada website for information on destinations that may pose specific risks.

A destination for which the Canadian government has issued travel advisories generally represents an increased risk for the insurer. Destinations for which no travel advisories have been issued are generally approved at the standard rates. However, it is usually impossible for us to make an offer in the following situations:

  • Medical risk that requires rating
  • Insured over age 70
  • Aviation risk

Things to consider

  • Current age
  • Purpose of trip
  • Country and city
  • Duration
  • Date of last trip
  • Frequency
  • Future intentions
  • Amount of insurance applied for
  • Country’s political situation and/or sanitation status

Banned occupations when an insured is travelling in at-risk countries

  • Pilot or crew member of an aircraft
  • Diplomat
  • Volunteer or humanitarian worker
  • Reporter
  • Military personnel
  • Missionary
  • Police officer, security guard or bodyguard
  • Public figure (politics or arts)

What response can you expect?

Depending on the case:standard, rated, exclusion or declined