I originally didn't buy cancellation insurance, can I purchase it now?
Yes, but with limitations.  As Covid-19 is a "known" event, trip cancellation coverage will not cover cancellations due to the current travel advisory.  You may purchase cancellation insurance which would protect you if cancelling due to the standard covered risks, such as unexpected sickness. For example, if you contracted Covid before departure your Doctor would advise against travel, and thus allowing you to claim for cancellation expenses. It DOES NOT cover if you change your mind about travelling.


What about cancelling if I don't have insurance?
In most cases if the airline cancels your flight you will now be offered a refund, or the option to change dates or destination with a future credit.  If the airline is operating and you the passenger decides not to travel, regardless of the reason, then you will be subject to the group terms and conditions. This is loss of deposit before the balance due date, after balance date the penalties will become more severe the closer to departure.  In some cases, there may be group flexibility available to offer a travel credit for up to one year from departure for cancellations outside 60 days.  Refer back to the terms and conditions link provided with your booking for this breakdown, or reach out for further clarification.


Does travel medical insurance cover if I get Covid in destination?
Travellers under 74yrs of age may purchase emergency medical insurance for their trip with an added Covid-19 waiver.  This will cover up to $500,000 in hospital/medical expenses should you become sick with Covid in destination.  It also will provide up to $150 CAD per person per day ($300 max per family) for up to 14 days to cover accommodation expenses, meals or incidentals like telephone calls. 


If I test positive, what happens?
You will not be permitted to board your return flight and must quarantine in destination.  Some hotels will have rooms available at reduced rates, or offer you alternate accommodations for up to 14 days until a negative test or proof of recovery can be provided.  Many airlines (including Transat) will allow your return ticket to be changed to a new date with no fee or additional fare, but subject to availability. 


I have mixed vaccines, is that a problem?
Mexico and most popular Caribbean countries such as Dominican Republic, Jamaica and Cuba do not require proof of vaccination for entry at the present time.  (Some destinations will require pre-arrival PCR or Antigen testing along with an uploaded questionnaire or authorization) You would only be required to show proof of vaccination upon your return to Canada if you were applying for the quarantine exemption. 


Do I need to quarantine when I come home to Canada?
Fully vaccinated Canadians no longer need to quarantine for 14 days upon return, but are expected to still follow proper protocols such as wearing a mask while outside your home, and social distancing.  For full details on using the ArriveCan app, or for unvaccinated, partially vaccinated or travellers with Children, please refer to the most recent information here; 


I don't want to/can't get vaccinated for personal reasons.  Can I still travel?
You can, but please note requirements for entry are changing on a regular basis and what may be permitted today can change before you travel.  This may involve denied entry, further testing at your own expense, or 14 day quarantines.  Many airlines are also considering a vaccine passport which will require proof of immunization to fly.  Travel suppliers are not obligated to refund you if you do not have the proper documentation required for travel, and insurance has limited coverage only.


Helpful Tips or Reminders
  1. Insurance will only cover claims for financial losses, and will not cover the value of a travel voucher if offered or available. 
  2. For added security and peace of mind, consider taking a rapid test (Antigen) prior to your departure to eliminate the possibility of being asymptomatic and having to quarantine in destination. 
  3. Your workplace via Chamber of Commerce may offer a supply of rapid tests for small businesses complimentary under Ontario's Provincial Antigen Screening Program.  Rapid antigen tests for travel are also available for purchase at Shoppers Drug Mart. 
  4. If you need to change or cancel your reservation please contact us as soon as possible to minimalize your penalties and to ensure your changes do not affect the timeline for remaining guests. 
  5. To avoid further financial losses we strongly recommend that adults who are not vaccinated, or do not intend to be vaccinated prior to travel, NOT proceed with travel arrangements at this time.  Insurance options available for purchase will only cover those who are not medically able to be vaccinated. 

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