canadian government level 3 travel advisory

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Travel health notices

The Public Health Agency of Canada’s (PHAC) travel health notices outline potential health risks to Canadian travellers and recommend ways to help reduce them. Notices remain in effect until removed from the website.

No matter where you plan to travel, make sure you check the Travel Advice and Advisories (TAA) page for your destination. These pages contain country-specific information on health risks, safety and security, local laws and customs, entry requirements, and other important travel information. It is recommended that you check the TAA page for your destination twice: once when you are planning your trip, and again shortly before you leave. Health, safety and security conditions may change between the date you book your travel and your departure date.

The travel health notice risk levels are:

Level 1: Practise health precautions

Level 2: Practise enhanced health precautions

Level 3: Avoid non-essential travel

Level 4: Avoid all travel

Travel health notice risk levels

Level 1 - practise health precautions.

• avoiding insect bites
• practising proper hand washing
• being up-to-date on all recommended vaccinations

Level 2 - Practise enhanced health precautions

• the use of personal protective equipment
• delaying travel until risk is lower
• additional recommended vaccinations for some groups
• avoiding higher-risk activities

Level 3 - Avoid non-essential travel

A level 3 travel health notice warns travellers to avoid non-essential travel to the destination. There is a high risk to the traveller’s health. If travellers must travel for essential reasons, they are advised to follow the precautions outlined in the travel health notice to reduce their risk.

Level 4 – Avoid all travel

A level 4 travel health notice advises travellers not to travel to the destination, for any reason. There is a very high risk to both travellers and Canadians domestically.

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Understanding Canadian Government Travel Advisories

Once it is safe to travel again, we strongly encourage all Canadians to check the  Government of Canada’s Travel Advice and Advisories page  for information and updates about your destination.

Checking before you book, just before you leave and even after your departure means you’ll be well-informed about any important precautions that you should take.

The Canadian Government will often issue destination-specific travel advisories that provide valuable information that could affect your safety when you’re travelling abroad.  Advisories can be triggered for a variety of reasons including, but not limited to:

• Health emergencies like Zika, Ebola and most recently, COVID-19
• Terrorist threats
• Civil unrest or political instability
• War or military coups

Natural disasters like earthquakes, hurricanes, wildfires, etc.

Levels of travel advisories. 

Canada has four different risk levels of travel advisories: 

Level 1  - Exercise normal security precautions. This is the lowest level advisory with no significant safety concerns. You’re advised to use common sense and take similar precautions to those you would in Canada. 

Level 2  - Exercise a high degree of caution. When travelling to locations under this advisory, you should be cautious at all times because the government has identified safety and security concerns. This doesn’t mean that you should completely avoid travelling to these countries. Just be alert, plan ahead and be sure to monitor local media and follow the instructions of local authorities if anything concerning is reported or happens. IMPORTANT: The two levels below are official Government of Canada Travel Advisories and are issued when the safety and security of Canadians travelling or living in the country may be compromised. 

Level 3  - Avoid non-essential travel. Destinations placed under this advisory have specific safety and security concerns that could put you at risk and you should reconsider your need to travel to them. If you are already there, consider leaving if it’s still safe to do so. 

Level 4  - Avoid all travel. There is an extreme risk to your personal safety and security and you should not travel to this area. If you’re already in the country under this advisory, you should leave as soon as it is safe to do so. 

Avoid all cruise ship travel.  With the outbreak of COVID-19, health authorities identified that cruise passengers are at an increased risk of person-to-person spread of the disease. This led to the Canadian Government issuing a new advisory to avoid all cruise travel.

How travel advisories affect your travel insurance. 

COVID-19 has impacted the entire world. As such, when it’s safe to travel again, Canadians should always consider purchasing travel insurance and never leave home without any coverage. It’s also important to understand the significance of travel advisories and how they may influence your coverage. 

When you’re covered. 

Depending on the travel insurance plan you’ve purchased, your policy may cover medical costs depending on: 

• Travel advisories in place before your departure date 
• Travel advisories in place for your destination at the time of your departure 
• The sickness or injury-related expenses you’re seeking compensation for are not connected to the reason for the travel advisory

Example:  If you break your ankle and need care, you will still be covered even if there is a Level 3 travel advisory in place due to COVID-19.

• The travel advisory was issued after the date you left for your trip 
• You weren’t participating in or voluntarily exposing yourself to a risk (like a riot or civil disorder) 

Coverage through CAA Travel Medical Insurance.

For trips departing on or after July 1, 2021. 

Our emergency medical plans already provide coverage for COVID-19 related illnesses when Canadian government travel advisories are at Level 2 or 1 (i.e. “Exercise a high degree of caution” or “Exercise normal security precautions”). 

Our emergency medical plans now also include up to $2.5 million CAD if partially vaccinated, or up to $5 million CAD if fully vaccinated, for COVID-19 related illnesses that may occur when travelling at a time when the Canadian government has issued a related Level 3 travel advisory (i.e. Avoid non-essential travel”).

Learn more here.

When you’re not covered. 

The two highest risk levels of travel advisories, “avoid non-essential travel” and “avoid all travel,” can affect your travel insurance, depending on when the travel advisory comes into effect. 

Purchasing Trip Cancellation and Interruption insurance under Level 3 and Level 4 advisories may impact your benefits if you are cancelling your trip for COVID-19 related reasons. 

Most travel insurance companies may not cover your claim if: 

At the effective date of your policy, an official travel advisory was issued by the Canadian Government stating “avoid non-essential travel” or “avoid all travel” for the country, region or city you’re travelling to. 

Example:  The Canadian Government issued a Level 3 advisory on March 13, 2020, for every country in the world due to COVID-19. This meant that if you travelled after March 13, 2020, you would not be covered for any medical costs associated to COVID-19. 

Why?  COVID-19 would be considered a known issue and therefore a general exclusion within the policy. 

Note:  This exclusion does not apply to claims for an emergency or a medical condition unrelated to the travel advisory: 

Example:  If you sustain an injury that was not related to COVID-19 like a broken arm or leg, you would still be covered.

Staying safe and connected.

What’s great about travel is it gives us a chance to get away from it all and just disconnect – even for a short period of time. But by taking a few precautions ahead of time, you’ll be able to truly relax, with confidence, knowing you’re protected. 

When it’s safe to travel again, be sure to remember the following: 

1.    Before you leave.  Make sure to  register with Global Affairs Canada.  This ensures the government knows your whereabouts if something goes wrong, and they can inform you if there’s an emergency back home. Registration is free at  Registration of Canadians Abroad. 

Keep tabs on travel advisories.  Refer to the travel advisories page on the government site or download the Government of Canada’s  Travel Smart app  for up-to-date travel advice and information on your smartphone. The app has information for 200+ destinations and includes advisories, health updates and even emergency contact numbers.

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After just 3 weeks CDC’s travel advisory for Canada is back to Level 3

Post date: Aug 31 2021

Date: Aug 31 2021

By: The Canadian Press

WASHINGTON — The U.S. State Department is now urging Americans to “reconsider travel” to Canada due to what the Centers for Disease Control call “high” levels of COVID-19 infection.

The new Level 3 travel advisory, issued today, marks a quick end to a three-week period when the warning to would-be travellers to Canada had been eased to “exercise increased caution.”

That Level 2 advisory coincided with Canada’s decision to allow fully vaccinated U.S. citizens and permanent residents back into the country.

There was no specific reason given for the revised advisory beyond the CDC’s notice, also issued today, which pegs Canada’s current COVID-19 levels at “high.”

Only about 61 per cent of eligible Americans are fully vaccinated, compared with nearly 75 per cent of Canadians over the age of 12.

The U.S. is maintaining its existing restrictions on non-essential Canadian travellers until at least Sept. 21, citing the ongoing spread of the Delta variant of COVID-19.

Tags: CDC, Lead Story

Jul 21, 2023

7 min. read

Canada has four travel advisory risk levels that can be applied to any country, territory or region. It’s important to know what they are and what the security conditions are for your specific travel destination.

Checking before you book, just before you leave and even after your departure means you’ll be well-informed about any important precautions that you should take.

The Canadian Government will often issue destination-specific travel advisories that provide valuable information that could affect your safety when you’re travelling abroad.

Advisories can be triggered for a variety of reasons including, but not limited to:

Health emergencies like Zika, Ebola and most recently, COVID-19

Terrorist threats

Civil unrest or political instability

War or military coups

Natural disasters like earthquakes, hurricanes, wildfires, etc.

Levels of travel advisories. 

Four different risk levels of travel advisories: Level 1 - Exercise normal security precautions. This is the lowest level advisory with no significant safety concerns. You’re advised to use common sense and take similar precautions to those you would in Canada.

Level 2 - Exercise a high degree of caution.

When travelling to locations under this advisory, you should be cautious at all times because the government has identified safety and security concerns. This doesn’t mean that you should completely avoid travelling to these countries. Just be alert, plan ahead and be sure to monitor local media and follow the instructions of local authorities if anything concerning is reported or happens.

IMPORTANT:  The two levels below are official Government of Canada Travel Advisories and are issued when the safety and security of Canadians travelling or living in the country may be compromised.

Level 3 - Avoid non-essential travel.

Destinations placed under this advisory have specific safety and security concerns that could put you at risk and you should reconsider your need to travel to them. If you are already there, consider leaving if it’s still safe to do so.

Level 4 - Avoid all travel.

There is an extreme risk to your personal safety and security and you should not travel to this area. If you’re already in the country under this advisory, you should leave as soon as it is safe to do so.

How travel advisories affect your travel insurance.

Canadians should always consider purchasing travel insurance and never leave home without any coverage. It’s also important to understand the significance of travel advisories and how they may influence your coverage.

When you’re covered.

Depending on the travel insurance plan you’ve purchased, your policy may cover medical costs if:

There wasn’t a Level 3 or 4 travel advisory in place before your departure date

There wasn’t a Level 3 or 4 travel advisory in place for your destination at the time of your departure

The sickness or injury-related expenses you’re seeking compensation for are not connected to the reason for the travel advisory

Example:  If you break your ankle and need care, you will still be covered even if there is a Level 3 travel advisory in place due to COVID-19.

The travel advisory was issued after the date you left for your trip

You weren’t participating in or voluntarily exposing yourself to a risk (like a riot or civil disorder)

When you’re not covered.

The two highest risk levels of travel advisories, “avoid non-essential travel” and “avoid all travel,” can affect your travel insurance, depending on when the travel advisory comes into effect.

Most travel insurance companies may not cover your claim if:

• At the effective date of your policy, an official travel advisory was issued by the Canadian Government stating “avoid non-essential travel” or “avoid all travel” for the country, region or city you’re travelling to.

Staying safe and connected.

What’s great about travel is it gives us a chance to get away from it all and just disconnect – even for a short period of time. But by taking a few precautions ahead of time, you’ll be able to truly relax, with confidence, knowing you’re protected.

When it’s safe to travel again, be sure to remember the following:

Before you leave.  Make sure to  register with Global Affairs Canada . This ensures the government knows your whereabouts if something goes wrong, and they can inform you if there’s an emergency back home. Registration is free at  Registration of Canadians Abroad .

Keep tabs on travel advisories.  Refer to the travel advisories page on the  government site  for up-to-date travel advice and information.

Have additional questions?  Connect with an expert  CAA Travel Consultant  for assistance.

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Government of Canada Advises Canadians—Regardless of Vaccination Status—to Avoid Non-essential International Travel

On December 15, 2021, the Public Health Agency of Canada issued a Level 3 COVID-19 Global travel advisory , which advises Canadians, regardless of their vaccination status, to avoid non-essential travel internationally (Travel Advisory). As noted in Canada’s Travel Advice and Advisories – FAQ , a travel advisory is “official Government of Canada information and advice ” [emphasis added] and, “The decision to travel is yours alone. Following the Government of Canada’s official travel advice will ensure your personal safety and security.”

The Travel Advisory notes that due to the spread of the COVID-19 Omicron variant, many foreign governments are implementing strict travel restrictions that might limit transportation options.  It also warns that those who travel outside Canada may:

• Have difficulty returning to Canada;
• Have to remain abroad for an indeterminate period;  
• Become subject to a local authority’s sudden imposition of control measures, including movement restrictions such as lockdowns; or
• Have limited access to timely and appropriate health care should they become ill.

In addition, the FAQ:

• Indicate that if a travel advisory is issued for a destination, it may affect an individual’s travel insurance;
• Advise individuals to ensure they understand any terms and conditions in their insurance policies as they relate to Travel Advice and Advisories from the Government of Canada; and
• Direct readers to review information on travel insurance .

According to the FAQ, travel advisories have four risk levels and the Level 3 (Avoid non-essential travel) risk level is the third-highest risk level. In the FAQ, Level 3 is described as:

Avoid non-essential travel

Your safety and security could be at risk. You should think about your need to travel to this country, territory or region based on family or business requirements, knowledge of or familiarity with the region, and other factors. If you are already there, think about whether you really need to be there. If you do not need to be there, you should think about leaving.

The Travel Advisory also includes recommendations for those who must travel, including for before travel, during travel, and on returning to Canada. 

Bottom Line for Employers

Although the Travel Advisory does not have the force of law, employers are encouraged to conduct a risk assessment to determine whether, while it is in place, they should require their employees to avoid non-essential business travel, require any employees currently outside Canada for non-essential business travel to return to Canada as soon as possible, and encourage employees not to engage in non-essential personal international travel.  While we recommend employers conduct such a risk assessment for all their employees, it is an especially urgent consideration for employees who are not fully vaccinated and for employees who are fully vaccinated but have not yet received their boosters. 

Information contained in this publication is intended for informational purposes only and does not constitute legal advice or opinion, nor is it a substitute for the professional judgment of an attorney.

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The COVID-19 pandemic continues to be an exceptional situation. That's why we're reminding all our members and clients with travel insurance to follow government recommendations regarding travel outside their province of residence.

If you choose to cancel your trip, read the I have travel plans section.

If you have questions, please call us at 1-855-368-6924 .

If you have travel plans

Do you have an upcoming trip planned? We're here to answer all of your questions .

• Before you leave on a trip, find out what government recommendations are in place for your destination, and what your travel insurance will cover in relation to COVID-19 (whether it's group, individual or credit card insurance).
• Find out what health and safety precautions to take while travelling and what health measures will be in place when you board, arrive at your destination and return to Canada ( COVID-19 test, etc.).
• To get travel insurance or if you have any questions, call 1 855 368-6924 .

If you have group insurance with Desjardins, please refer to the group insurance FAQ.

See our FAQ for more information .

How to submit a claim

We're doing everything we can to help our members and clients as quickly as possible. However, given the current situation, processing times may be longer than usual.

We have online services available.

• Before you submit a claim, check whether the payment terms specified by your travel service provider have changed. If your provider offers you a travel credit, see our FAQ section for everything you need to know on this topic.
• You can submit your claim online or call us at 1-800-465-7822 .

No matter what your situation is, Desjardins is here to help. We offer personalized support, tailored to your specific needs.

Stay up to date on the latest coronavirus news

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I'm currently travelling

Last update: July 15, 2022

This FAQ is valid for travel insurance purchased online or by phone, as well as travel insurance included with certain Desjardins credit cards, including the Odyssey Gold Visa card.

If you have group insurance with Desjardins, please refer to the group insurance FAQ

My airline cancelled my flight and the return flight that my provider has offered doesn't work for me. Will my insurance reimburse me?

If you have Trip Cancellation coverage, your coverage ends when you turn down the return flight offered by your provider. Since you're not taking the replacement flight for the trip that you insured, the cancellation coverage for this trip ends.

If you want to continue your trip, you can only extend the following coverages, provided you have them: Emergency Health Care, Baggage and Accident.

What kind of fees will be reimbursed?

If you have Trip Cancellation insurance , and you need to return to Canada sooner or later than expected due to one of the recognized causes, you'll be reimbursed:

• $200 per day, per insured person, for your additional living expenses (accommodation, meals, transportation, etc.) up to a maximum of $2,000 per insured person.
• The cost of changing the date and/or time of a ticket you purchased from a scheduled carrier (plane, boat, train, bus). The new ticket must be a one-way economy class ticket that takes the most direct route to get you to your starting destination.
• The unused and non-refundable portion of payments you made in advance to a travel services provider for land arrangements.

If you have Emergency Health Care insurance and your return home is delayed because you are ill, you'll be reimbursed:

• $200 per day, per insured person, for your additional living expenses (accommodation, meals, transportation), up to a maximum of $2,000 per insured person.

Important: To be eligible for the travel insurance period extension, you need to have purchased your insurance before your departure and for the full scheduled duration of your trip.

If I contract COVID-19 while travelling, will my medical expenses be covered?

You're covered for emergency healthcare (including care related to COVID-19 ), even if you visit a destination for which the Government of Canada issued a Level 3 – Avoid non-essential travel advisory. To qualify for reimbursement, you must meet all other conditions for insurability (for example, your medical condition must be stable before you leave). If you took out accident insurance or baggage loss or theft insurance, you are also covered.

Important: You aren't covered if your destination or type of trip (for example, a cruise) is subject to a Level 4 – Avoid all travel Canadian government travel advisory issued before your departure.

If this advisory is issued after you left on your trip, you aren't covered if you didn't return to your home province or territory within 14 days of when the advisory was issued. If you can't leave the country or region for which the government issued the warning within 14 days, contact our assistance services.

If you need to receive emergency healthcare abroad, our assistance services will do everything it can to direct you toward available resources.

Remember that if you are travelling during a pandemic, access to healthcare may be limited. You may also have difficulty returning to Canada if airlines decide to suspend their services.

If you have group insurance with Desjardins , please refer to the group insurance FAQ  # .

Am I covered if the Canadian government upgrades its travel advisory level while I’m away?

Emergency Health Care coverage

If the travel advisory level was 1, 2 or 3 when you left, you’ll be covered until the return date on your insurance contract. However, if the travel advisory level is upgraded to 4 during your trip, you aren't covered if you didn't return to your home province or territory within 14 days of the advisory upgrade. If you can't leave the country or region for which the government issued the warning within 14 days, contact our assistance services.

Trip Cancellation or Modification coverage

If the advisory level is upgraded to 3 during your trip, you'll be covered for the costs of changing your trip. However, if the travel advisory level is upgraded to 4 during your trip, you're not covered if you didn't return to your home province or territory within 14 days of the advisory upgrade. If you can't leave the country or region for which the government issued the warning within 14 days, contact our assistance services.

I have travel plans

Last update: May 24, 2023

If you have group insurance, please refer to the group insurance FAQ .

Am I covered for baggage that's been delayed or lost by my airline?

If you have Baggage coverage, you're covered for luggage and personal effects that have been damaged or lost by the airline, up to your insurance amount.

If your baggage is more than 6 hours 1 late to your destination, you can receive up to $500 1 to buy toiletries and essential clothing. Unfortunately, you're not covered within your province of residence.

You can also consult the Air Passenger Protection Regulations  - External link. This link opens in a new window. to learn more about your airline's responsibilities.

Am I covered for emergency healthcare even if I get sick with COVID-19 ?

Yes. As of October 1, 2020, if the Canadian government has issued a level 1, 2 or 3 travel advisory for your destination, you’ll be covered for emergency healthcare, even if you get sick with COVID-19 . To be entitled to a refund, you need to meet the other conditions of your insurance (for example, your health must be stable before your departure).

You aren't covered if your destination or type of trip (for example, a cruise) is subject to a Level 4 – Avoid all travel Canadian government travel advisory issued before your departure.

Government of Canada risk levels and advisories

• Level 1: Exercise normal security precautions
• Level 2: Exercise a high degree of caution
• Level 3: Avoid non-essential travel
• Level 4: Avoid all travel

If you need emergency healthcare while on your trip, our Assistance Service will do everything it can to direct you to the available resources.

Remember that if you’re travelling during a pandemic, access to healthcare may be limited. You may also have trouble getting back to Canada if airlines decide to suspend their services.

If I contracted COVID-19 before my departure, will I be covered if I need treatment for COVID-19 during my trip?

You'll be covered if you meet the following conditions:

• In the 30 days before your departure, you had no symptoms AND received no positive test results
• On your departure date, you no longer have symptoms and you have a negative test result

You must also meet all the other conditions outlined in your insurance policy. For example, your health must be stable before your departure. If you have COVID-19, you must not have seen a doctor or been hospitalized for this illness during the required stability period (3 months or 6 months / 90 days or 182 days) set out in your policy.

Learn more about the types of accepted tests

You may be required to provide proof when you submit a claim.

Can I cancel my trip because I don't have a passport?

Unfortunately, no. Though we're aware of the difficulties caused by current wait times at Service Canada, an expired or delayed passport is not an accepted reason for trip cancellation. It's your responsibility to have the required valid travel documents.

Am I covered if I can’t get back to Canada because I test positive for COVID-19 ?

If you have Emergency Health Care coverage, your living expenses will be covered.

If you have Trip Cancellation coverage, you’ll be covered for things like the additional cost to change the date and time of your flight.

If you must stay in your destination country longer than expected, make sure to contact us to extend your coverage.

Am I covered if I have to cancel my trip due COVID-19 , if the Government of Canada issues a new travel advisory, or if I'm turned away at my point of departure or return?

If you have to cancel your trip or if you're prevented from boarding because you didn't meet a requirement (test, vaccine, etc.), you won't be covered by your travel insurance.

You're covered if you want to cancel your trip due to a level 3 or 4 travel advisory that wasn't in effect when you bought your ticket. Note that some policies require that the travel advisory still be in effect 14 days before your departure. Verify the causes for cancellation in your insurance policy to see if this requirement applies to you.

You're also covered if you get sick with COVID-19 before leaving on your trip or if you're prevented from boarding due to a positive COVID-19 test.

What types of tests are accepted as proof of a positive or negative COVID-19 result?

PCR and rapid antigen tests are both accepted, but the test must have been administered by a healthcare professional who is authorized to do so (screening centre, private lab, pharmacy, etc.). For example, a rapid antigen test performed by a pharmacist in a pharmacy is acceptable, provided that the results are certified by the pharmacist. Self-tests (rapid tests) performed at home are not accepted, except if they are done under the supervision of a virtual medicine health professional.

In all cases, you must obtain a personalized proof of your test result and your result must be certified by the healthcare professional.

My airline cancelled my flight. Will my insurance reimburse me?

Unfortunately, you can't get reimbursed if your airline cancels your flight.

The pandemic has created a lot of uncertainty. Given the circumstances, new requirements can be introduced at any time to stop the virus from spreading. Expenses for cancelled flights are not covered under your travel insurance.

We urge you to contact your travel service provider to find out what refund options are available (many providers have posted their refund terms and conditions on their websites).

However, you may be covered if your trip was cancelled due to a Level 3 or 4 travel advisory if the travel advisory had not been issued when you purchased your trip and your insurance, and if the advisory is still in effect 14 days before your planned departure date.

My travel credit has expired, and my travel service provider won't extend it. Can I claim this under my trip cancellation coverage?

We understand that you may have not been able to use your travel credits due to the pandemic.

• You had trip cancellation coverage when you purchased your trip.
• You purchased your trip before March 13, 2020, or between October 22, 2021, and December 15, 2021.
• Your trip was cancelled after the Canadian government recommended avoiding all non-essential travel or cruises outside the country.
• Your travel service provider offered you a travel credit as reimbursement for cancelling the trip.
• Your travel credit is now expired, and the travel provider's policy states the expiry date can't be extended. You have no other option for compensation.
• The Canadian government's recommendation to avoid non-essential travel was still in effect on the travel credit expiry date, or your travel credit expired before December 31, 2022.

Am I covered if my return to Canada has been delayed because I have to quarantine due to a COVID-19 outbreak in my destination country?

Your living expenses and the additional cost to change the date and time of your ticket are covered by Trip Cancellation insurance.

• If you test negative for COVID-19 or don't get tested, you're covered if the quarantine is a new measure that wasn't in place when your trip started.
• If you test positive for COVID-19, you're covered. Your living expenses can also be covered if you have Emergency Health Care insurance.

Quarantining must be required by the health authorities of your destination country. Make sure to contact us to extend your coverage if you have to stay there longer than expected.

Can I refuse a travel credit from my travel provider?

We know that some of you would rather get reimbursed through your Trip Cancellation coverage than get a travel credit.

However, a travel credit is considered the same as a refund, whether you accept it or not. If your travel provider offers you a refund—even travel credit—for a cancelled trip, you can’t claim this amount under your Trip Cancellation coverage.

My trip is cancelled, and I have received travel credits from my service supplier. Can I be reimbursed for my travel credits following the agreement between the service supplier and the Government of Canada?

To find out if your travel credits can be refunded, please contact your travel service supplier. They'll let you know if you're eligible for a refund.

If I'm not vaccinated or don't have proof of vaccination, and I need it to get on my plane or other method of transportation, or into the country I’m travelling to, can I get reimbursed through my Trip Cancellation insurance?

No. It's your responsibility to check travel and entry requirements and make sure you meet them. Requirements can vary by country and travel service supplier, so it’s important to do your research.

If I'm not vaccinated and I catch COVID-19 while travelling, will my medical expenses be covered?

Yes. Travellers who haven't been vaccinated against COVID-19 are still covered by their Emergency Health Care coverage. It’s the same as when travellers choose not to get vaccinated against yellow fever or other vaccine-preventable diseases.

My destination country requires proof of health insurance. Am I still able to request an insurance confirmation statement?

We're aware that certain countries, such as Cuba, require proof of health insurance to enter the country. However, your travel insurance policy or credit card travel insurance policy, your "Your insurance choices" document or your health insurance card ( RAMQ card in Quebec and OHIP card in Ontario) are all forms of proof accepted by immigration authorities in other countries. As a result, we no longer provide insurance confirmation statements.

1. With the Odyssey ® Visa Infinite Privilege card, you can receive up to $1,000 if your baggage is more than 4 hours late.

Level 3 Travel Advisory COVID-19 Coverage Endorsement

Our emergency medical plans already provide coverage for COVID-19 related illnesses when Canadian government travel advisories are at Level 2 or 1 (i.e. “Exercise a high degree of caution” or “Exercise normal security precautions”).

CAA Travel Insurance emergency medical plans now include up to $2.5 million CAD if partially vaccinated, or up to $5 million CAD if fully vaccinated, for COVID-19 related illnesses that may occur when travelling at a time when the Government of Canada has issued a related Level 3 (avoid non-essential travel) travel advisory.

Please read the Level 3 Travel Advisory COVID Coverage Endorsement for the COVID-19 vaccinations requirements that must be met before departure, to be eligible for this coverage.

To learn more about the Government of Canada’s travel advisories, please visit travel.gc.ca . Whenever you travel, your health, safety and security are important to us. We’re here for you if have questions or need help.

Terms & Conditions

CAA Travel Insurance is underwritten by Orion Travel Insurance Company. Certain exclusions, limitations and restrictions apply. Subject to change without notice.

Orion and any other Orion trademarks, logos or trade names are trademarks of Orion Travel Insurance Company.

® CAA trademarks are owned by, and use is authorized by, the Canadian Automobile Association.

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Canada Travel Advisory

Travel advisory july 17, 2023, canada - level 1: exercise normal precautions.

Reissued with obsolete COVID-19 page links removed.

Exercise normal precautions in Canada.

Read the Country Information page for additional information on travel to Canada.

If you decide to travel to Canada: 

• Enroll in the Smart Traveler Enrollment Program (STEP) to receive Alerts and make it easier to locate you in an emergency.
• Follow the Department of State on  Facebook and Twitter .
• Review the Country Security Report for Canada.
• Prepare a contingency plan for emergency situations.  Review the Traveler’s Checklist .
• Visit the CDC page for the latest Travel Health Information related to your travel.  Exercise normal precautions in Canada.

Travel Advisory Levels

Assistance for u.s. citizens, search for travel advisories, external link.

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COVID-19 Updates - Canadian Travel Advisory Levels

LAST UPDATED:  September 20, 2020

Get updates about Government of Canada  Global Travel Advisory levels  below. 

This page will be updated when significant travel advisory changes or developments occur.

For official, up-to-date travel advisory levels and details about advisories for specific countries and regions, please visit the  Travel Advisory section on the Government of Canada's website .

As of  September 20, 2020:

• Travel advisory levels for ALL destinations outside Canada were either Level 3 (avoid non-essential travel) or  Level 4 (avoid all travel).  
• The travel advisory level for cruise ship travel outside Canada was Level 4 (avoid all cruise ship travel)

What are Global Travel Advisories?

The Government of Canada issues  4 levels of travel advisories  for destinations outside Canada, with Level 1 being the lowest risk and Level 4 being the highest risk:

• Level 1  – Exercise Normal Security Precautions
• Level 2  – Exercise a High Degree of Caution
• Level 3  – Avoid Non-Essential Travel
• Level 4  – Avoid All Travel

Travel advisories are often issued on a country by country basis, but they can also be issued for specific territories or regions.

Level 4 travel advisories are generally reserved for countries that have high levels of political instability, civil unrest, violence or infectious disease, as well as regions that have experienced a serious natural disaster.

You can get more information about Government of Canada Global Travel Advisory levels here.

Why are Global Travel Advisory levels important?

• Risk Assessment - Travel advisories help Canadians evaluate the risk of travelling to a specific country or region.
• Travel Insurance - Many travel medical insurance policies are excluding coverage for expenses related to COVID-19 if a Level 3 or Level 4 travel advisory is in effect for your travel destination. Check with your insurance provider and read you policy to ensure you understand your coverage with respect to COVID-19
• Limited Consular Assistance  - If a Level 3 or Level 4 travel advisory is in effect for your destination and you choose to disregard the advisory by travelling to that destination, you may receive little or no consular or evacuation assistance from the Canadian government.
• Flight Availability - When a destination has a Level 3 or Level 4 travel advisory in effect, there may be limited or no flight availability to or from that destination, and any existing flight availability can end at any time without notice, potentially leaving you stranded in your destination.

Disclaimer:  The material provided on the SnowbirdAdvisor.ca website is for informational purposes only and does NOT constitute legal, tax, accounting, financial, real estate, medical or other advice, and should not be relied on as such. If you require such advice, you should retain a qualified professional to advise you.

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COVID-19 Travel Insurance Coverage Options - UPDATE LEARN MORE

The Insurance Specialists for Snowbirds, Boomers and Seniors

How travel advisories can affect your travel insurance coverage.

Travel Advisories issued by the Government of Canada can affect your travel insurance coverage. Here's what you need to know.

IMPORTANT NOTE: Please be advised that this article was published  prior to the current COVID-19 Pandemic. The manner in which travel insurance providers handle COVID-related Travel Advisories  issued by the Government of Canada may have changed due to the pandemic.

Find the latest updates on Snowbird Advisor Insurance's COVID-19 coverage options and how they may be impacted by Government of Canada Travel Advisories here.

Many travellers book their travel far in advance of the actual trip. This is particularly true for snowbirds, seniors and boomers, who often plan their winters away – as well as other travel like cruises and guided tours - several months or even a year ahead of time.

Unfortunately, much can change between the time you book and your departure date, from natural disasters to disease outbreaks and even civil unrest and violence that didn’t exist at the time of your booking.

When such events occur, the Government of Canada will usually issue a travel advisory warning Canadians about the risk of travel to the affected country or region.

What you may not know is that travel insurance policies include language that can exclude coverage if you travel to a region for which the Canadian government has issued a travel advisory, resulting in your insurance claim being denied.

Here’s what you need to know about this often-overlooked clause in your travel insurance policy and how to reduce the risk that your claim will be denied due to a travel advisory.

What is a travel advisory?

The Global Affairs Canada travel information team analyses incidents affecting international travellers and promptly updates travel advisories in order to inform Canadians of situations that may affect their health, safety and security abroad.

The Government of Canada recommends that all Canadians read these advisories before booking their trip or leaving Canada, and while travel advisories can be issued for any number of reasons, the most common ones are related to:

• Natural disasters such as hurricanes, flooding, tsunamis and wildfires
• Infectious disease and illness outbreaks
• Violence and civil unrest

Travel advisories have become increasingly relevant for snowbirds, as growing numbers are choosing to spend their winters in more exotic locations, some of which are more susceptible natural disasters, disease and violence.

How do travel advisories work?

The Government of Canada employs a 4-risk level system to assist travellers in assessing the threat in a particular country or region. The four possible risk levels are:

• Exercise normal security precautions There are no significant safety and security concerns. The overall safety and security situation is similar to that of Canada. You should take normal security precautions.
• Exercise a high degree of caution There are identifiable safety and security concerns or the safety and security situation could change with little notice. You should exercise a high degree of caution at all times, monitor local media and follow the instructions of local authorities.
• Avoid non-essential travel There are specific safety and security concerns that could put you at risk. You should reconsider your need to travel to the country, territory or region. If you are already in the country, territory or region, you should reconsider whether or not you really need to be there. If not, you should consider leaving while it is still safe to do so. It is up to you to decide what “non-essential travel” means, based on family or business requirements, knowledge of or familiarity with a country, territory or region, and other factors.
• Avoid all travel   There is an extreme risk to your personal safety and security. You should not travel to this country, territory or region. If you are already in the country, territory or region, you should consider leaving if it is safe to do so.

Many travel insurance policies will exclude coverage if you travel to a country or region for which the Government of Canada has issued a Level 3 or Level 4 travel advisory.

However, you should always check the specific language in your policy for travel advisory related coverage exclusions before purchasing travel insurance, as terms and exclusions may differ among providers.

How can travel advisories affect my travel insurance coverage?

Travel advisories can affect your travel insurance coverage a little differently depending on the type of coverage.

Emergency Medical Coverage

If a travel advisory was issued for your destination before you departed on your trip and you became sick or injured during your trip, the coverage exclusion would apply and your travel insurance provider could deny your claim.

However, if the travel advisory was issued after you already departed for your trip and you became sick or injured, the coverage exclusion would not apply and your claim would be eligible for coverage

Trip Cancellation Coverage

If a travel advisory was issued for your destination before you purchased your insurance coverage and you need to cancel your trip before you leave, the coverage exclusion would apply and your travel insurance provider could deny your claim.

However, if the travel advisory was issued after you purchased your insurance coverage and you need to cancel your trip before you leave, the coverage exclusion would not apply and you would be eligible to make a claim.

Trip Interruption Coverage

If a travel advisory was issued for your destination before you departed on your trip and you need to return home early, the coverage exclusion would apply and your travel insurance provider could deny your claim.

However, if the travel advisory was issued after you departed on your trip and you need to return home early, the coverage exclusion would not apply and you would be eligible to make a claim.

Travel Advisory Tips

Follow these tips to reduce the likelihood of having a travel insurance claim denied due to a travel advisory and stay informed if a travel advisory is issued while you are travelling:

• Make sure you read and understand the policy exclusions related to travel advisories before you purchase travel medical or trip cancellation & interruption insurance.
• Check to see if there is a travel advisory in place for your destination before you book your trip and purchase insurance as well as prior to departing on your trip. You can check for Government of Canada issued travel advisories here. You can also subscribe to receive daily emails that summarize changes made to travel advisories while you are away.
• Register online with the Government of Canada’s Canadians Abroad program before you depart on your trip so the government can provide you with assistance like notifying you about emergencies and travel advisories while you’re travelling.

Disclaimer:  The material provided in the Snowbird Advisor Insurance Learning Centre is for informational purposes only and does NOT constitute insurance, legal, financial or other advice, and should not be relied on as such. If you require such advice, you should speak with a qualified professional to assist you.

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Government of Canada to adjust temporary measures under the Temporary Foreign Worker Program Workforce Solutions Road Map

From: Employment and Social Development Canada

News release

The Temporary Foreign Worker (TFW) Program experienced a surge in demand due to the post-pandemic economy, low unemployment rates, and record-high job vacancy rates in 2022. To address those labour shortages, the Program adopted a series of policy changes. With changing labour market conditions and declining job vacancies, the Government is adjusting the Temporary Foreign Worker Program to ensure the program continues to only be used in cases where there are no workers here in Canada that can fill the necessary role.

March 21, 2024              Ottawa, Ontario              Employment and Social Development Canada

The Temporary Foreign Worker (TFW) Program experienced a surge in demand due to the post-pandemic economy, low unemployment rates, and record-high job vacancy rates in 2022. To address those labour shortages, the Program adopted a series of policy changes. With changing labour market conditions and declining job vacancies, the Government is adjusting the Temporary Foreign Worker Program to ensure the program continues to only be used in cases where there are no workers here in Canada that can fill the necessary role. Today, the Honourable Randy Boissonnault, Minister of Employment, Workforce Development and Official Languages, announced that some time-limited measures under the TFW Program Workforce Solutions Road Map will not be renewed and will end, earlier than planned, this spring. Effective May 1, 2024:

• New Labour Market Impact Assessments (LMIAs) will be valid for six months (a decrease from 12 months) to ensure accurate labour market needs.
• All employers identified in the 2022 Workforce Solutions Road Map will have a reduction from 30% to 20% of their total workforce that can come in through the Temporary Foreign Worker Program, under the low wage stream, with an exception for the construction and health care sectors.
• Employers will need to explore every option before applying for an LMIA — including recruiting asylum seekers with valid work permits here in Canada.

In addition, as of January 1, 2024, employers are required to annually review the wages of temporary foreign workers to ensure they reflect increases to prevailing wage rates for their given occupation and region of work. Through wage increases, these reviews will ensure that employers continue to pay temporary foreign workers at the prevailing wage level throughout their period of employment. For the vast majority of cases, when wages are reviewed, they are increased for the workers. If not, they remain the same and cannot go down upon review. The Government of Canada will continue to monitor labour market conditions to ensure that the TFW Program reflects current economic needs, and that Canadians are considered first for job opportunities, while also ensuring that the rights of temporary foreign workers in Canada are protected. 

“Today, we announced our intention to reduce Canada’s reliance on temporary foreign workers and encourage employers to find the talent they need right here, at home. The time-limited measures we introduced in 2022 were necessary as our labour market was facing unprecedented conditions – but now, as times change, we must ensure our Temporary Foreign Worker Program reflects our current needs.” – The Honourable Randy Boissonnault, Minister of Employment, Workforce Development and Official Languages

“Our labour market needs are tightening, so should our policies. Today's announcement prioritizes our country’s needs to have enough construction workers to build houses, early childhood educators to teach our kids, and health-care workers to treat patients. As we gradually reduce our reliance on temporary foreign workers, we will continue to help employers fill job vacancies while supporting Canadian workers.” –  The Honourable Marc Miller, Minister of Immigration, Refugees and Citizenship Canada

Quick facts

The Temporary Foreign Worker Program is designed to be responsive to changes in the labour market. It helps Canadian employers fill labour and skills shortages on a temporary basis when Canadians and permanent residents are not available.

The Workforce Solutions Road Map announced in 2022 applied to the following seven sectors: Food Manufacturing (NAICS 311); Wood Product Manufacturing (NAICS 321); Furniture and Related Product Manufacturing (NAICS 337); Accommodation and Food Services (NAICS 72); Construction (NAICS 23); Hospitals (NAICS 622); and Nursing and Residential Care Facilities (NAICS 623).

The unemployment rate increased 0.1 percentage points to 5.8% in February 2024. It has held relatively steady in recent months, sitting at 5.8% for three of the past four months.

Job vacancies fell by 25,400 (-3.6%) to 678,500 in the fourth quarter of 2023, marking the sixth straight quarterly decline from the record high reached in the second quarter of 2022 (983,600).

Budget 2022 committed to the development of a new foreign labour program for agriculture and fish processing to ensure that Canada's food producers have access to a stable and reliable labour supply and to strengthen worker protections. Canada is ready to work with source countries through the modernization of new Seasonal Agricultural Worker Program bilateral agreements to offer temporary foreign workers and employers new opportunities, through the incorporation of year-round primary agriculture and seasonal fish, seafood, and primary food processing into the program. 

As part of the Government’s broader commitment to help protect temporary foreign workers from mistreatment and abuse, Budget 2021 committed $49.5 million over three years to implement a new Migrant Worker Support Program to better support temporary foreign workers by addressing power imbalances between employers and workers.

Associated links

• Government of Canada extends Workforce Solutions Road Map and introduces new wage requirements under the Temporary Foreign Worker Program - Canada.ca
• Government of Canada takes action to improve employer compliance and better protect temporary foreign workers
• Cutting red tape for employers who protect temporary foreign workers
• Government of Canada announces Workforce Solutions Road Map – further changes to the Temporary Foreign Worker Program to address labour shortages across Canada

For media enquiries, please contact:

Mathis Denis Press Secretary Office of the Minister of Employment, Workforce Development and Official Languages, Randy Boissonnault [email protected] 343-573-1846 Media Relations Office Employment and Social Development Canada 819-994-5559 [email protected] Follow us on Twitter Bahoz Dara Aziz Press Secretary Office of the Minister of Immigration, Refugees and Citizenship Canada, Marc Miller [email protected] Media Relations Communications Sector Immigration, Refugees and Citizenship Canada 613-952-1650 [email protected]

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