Important Amex Travel Insurance Coverage Information Related to COVID-19 from RSA

December 3, 2020

 

WE CONTINUE TO SUPPORT YOU

 

Throughout the COVID-19 pandemic, RSA Canada has remained committed to working with our customers and partners to ensure customers’ needs are met.

 

The safety and well-being of our customers is our top priority and we continue to monitor the impact of COVID-19 closely. We are regularly reviewing our current coverages to determine how they are impacted by this evolving situation and to ensure we can support our customers to the standard that they expect.

 

Browse our COVID-19 FAQs for quick answers to your questions, including information on upcoming changes to your AMEX Card coverages. Not all cards include emergency medical coverage and/or trip cancellation/interruption coverage. Please refer to your Certificate of Insurance to review your coverage.

 

 

TRIP CANCELLATION AND TRIP INTERRUPTION INSURANCE COVERAGE

 

Travel insurance is designed to cover losses arising from sudden and unforeseeable circumstances. Any claims resulting from events that are known to a policyholder when purchasing insurance are not covered.

 

A customer who booked a trip outside of Canada whose policy includes Trip Cancellation and Trip Interruption coverage may be covered if the trip was booked before any formal travel advisory against the destination country/region/city had been issued by the Government of Canada. Booking travel plans to a destination after it has received an advisory of “Avoid all travel” or “Avoid non-essential travel” can impact the travel insurance coverage.

 

On March 13, 2020 the Government of Canada announced a formal travel advisory limiting all non-essential travel outside of Canada until further notice. Trip Cancellation and Trip Interruption insurance underwritten by Royal & Sun Alliance Insurance Company of Canada is subject to the following restrictions:

  • Trip Cancellation and Trip Interruption does not extend to any travel booking made on or after a travel advisory is issued;
  • For customers that depart on a trip before a formal travel advisory is issued, trip interruption coverage is limited to a period of 10 days from the date of the travel advisory*; and
  • Trips booked after a destination or cruise receives a formal travel advisory are not covered for trip cancellation or interruption*.

 

*Changes to the Trip Cancellation and Interruption Insurance coverage available on eligible Amex Cards take effect January 1, 2021. Please refer to the FAQs below for additional details on how these changes may impact your coverage.

 

EMERGENCY MEDICAL INSURANCE COVERAGE

 

For Emergency Medical Insurance, a travel advisory of “Avoid all travel” or “Avoid non-essential travel” will impact insurance coverage.

 

  • Emergency Medical Insurance coverage is not available if a formal travel advisory is issued before your departure.
  • Customers who book future travel to a location which is currently under a relevant travel advisory (including cruises) will not have medical coverage in these locations if the advisory is still in effect at the time of travel*.
  • If a travel advisory is issued after departure, medical coverage for that location is limited to a period of 10 days from the date of the travel advisory or formal notice was issued, or to a period that is reasonably necessary for you to safely evacuate the country, region or area*.
  • Because of the advisory to “Avoid all cruise ship travel,” beginning March 9, 2020, customers who depart on a cruise after this date will not have Emergency Medical Insurance coverage*.

 

*Changes to the Emergency Medical Insurance coverage available on eligible Amex Cards take effect January 1, 2021. Please refer to the FAQs below for additional details on how these changes may impact your coverage.

 

HOW TO MAKE A CLAIM

 

You can make a claim online. The website will guide you through the submission process. The claims portal can also be used to check the status of travel claims which have already been submitted.

 

  • If you wish to delay cancelling a future trip, you are strongly encouraged to validate the payment schedule, cancellation penalties and terms with your travel supplier.
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  • Please note that your policy will only cover amounts which were non-refundable and non-transferrable when the insurable event which caused the trip to be cancelled or interrupted occurred. For many people this would be March 13, 2020 when the global travel advisory was issued. Additional payments made after this date as well as any increase in cancellation penalties will not be covered.
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IMPORTANT REFERENCES

 

Health Canada and the World Health Organization (WHO) regularly post important information and advice to stay safe. Please visit:

 

 

We also encourage our customers to regularly visit the Government of Canada’s Travel Advice and Advisories page for the most up to date information when making travel plans.

 

 

®RSA, RSA & Design and related words and logos are trademarks and the property of RSA Insurance Group plc, licensed for use by Royal & Sun Alliance Insurance Company of Canada.

 

 

FAQ – Travel Advisories and how they affect my coverage

 

Unless otherwise noted, the FAQs below apply to both American Express (“Amex”) Cards and purchased Amex Travel Insurance plans which include emergency medical coverage and/or trip cancellation/interruption coverage. To review your coverage, please refer to your Certificate of Insurance along with any important Notice of Change included on your Amex Card statement.

 

EMERGENCY MEDICAL COVERAGE

 

Is my medical coverage valid if, prior to my departure, I am experiencing symptoms of COVID-19?

No coverage is available if you have experienced symptoms of any medical condition, including COVID-19, before your departure date, unless your condition meets the stability requirements outlined in your certificate of insurance.

Is my medical coverage valid if I depart on a trip after the COVID-19 travel advisory has been lifted?

Emergency medical coverage is available, as per the terms and conditions of your certificate of insurance.

If the COVID-19 travel advisory is lifted and then reinstated before my departure date, am I covered?

If the Canadian government issues a travel advisory Before your departure date, advising travelers to avoid non-essential travel or to avoid all travel to a specific country, region or area, NO emergency medical coverage is available.

For coverage included with my Amex Card:
Effective January 1, 2021, emergency medical coverage directly or indirectly related to COVID-19 will not be available if you choose to travel despite the government travel advisory. However, coverage will be available for medical conditions or losses which are unrelated to the reason for which the travel advisory was issued.

If the COVID-19 travel advisory is lifted, I depart on my trip, then during my trip the advisory is reinstated, am I covered?

If the Canadian government issues a travel advisory after your departure date, advising travelers to avoid non-essential travel or to avoid all travel to a specific country, region or area, emergency medical coverage will be limited to a period of 10 days from the date the travel advisory was issued, or to a period that is reasonably necessary for you to safely evacuate the country, region or area.

For coverage included with my Amex Card:
Effective January 1, 2021, emergency medical coverage will be limited to a period of 10 days from the date the travel advisory was issued, or to a period that is reasonably necessary for you to safely evacuate the country, region or area. If you choose to stay, coverage will be available for medical conditions or losses which are unrelated to the reason for which the travel advisory was issued, while the travel advisory remains in effect.

If I’m using a travel credit or voucher for my trip, do I still have the emergency medical coverage that is included on my Amex Card?

You are not required to pay for your trip using your Amex Card in order for emergency medical coverage to be in effect. However, your Card account must be active and in good standing for coverage to be valid.

 

TRIP CANCELLATION, TRIP INTERRUPTION AND TRIP DELAY

 

Am I covered for Trip Cancellation and Interruption if I book a trip and/or travel to a destination after a Government of Canada travel advisory of “avoid non-essential travel” or “avoid all travel” was issued?

Trip Cancellation and Interruption coverage is not available for travel bookings made to a destination which is under a Government of Canada travel advisory of avoid non-essential travel or avoid all travel that was issued before you booked your trip.

Trip Cancellation and Interruption coverage is available for trip cancellations, including for reasons related to Covid-19, if your trip was booked prior to the travel advisory being issued.

For coverage included with my Amex Card:

Effective January 1, 2021, Trip Cancellation and Interruption coverage directly or indirectly related to COVID-19 will NOT be available, even if your trip was booked prior to January 1, 2021 or if there is no travel advisory in effect.

Note: Cardmembers who have not made a trip cancellation claim for bookings made prior to the pandemic should refer to their certificate of insurance to understand timelines to submit a claim, as travel advisory changes by the Government of Canada may impact claim eligibility.

If I booked a trip before March 13, 2020 for later in the year, would I be covered if the advisory is lifted before my departure but I need to cancel because I contracted COVID-19 and must quarantine?

If there is no travel advisory in effect before your departure date, Trip Cancellation coverage is available if an insured person is quarantined and all other terms and conditions of the certificate of insurance are met.

For coverage included with my Amex Card:
Effective January 1, 2021, Trip Cancellation coverage for claims directly or indirectly related to COVID-19 will NOT be available even if your trip was booked prior to January 1, 2021 or if there is no travel advisory in effect.

If I purchased a trip while the advisory was in effect, but only departed after the advisory was lifted, would I be covered for Trip Interruption benefits in my certificate of insurance?

If there is no travel advisory in effect when you depart on your trip, Trip interruption coverage is available as long as there is a valid insured risk and all other terms and conditions of your certificate of insurance are met.

For coverage included with my Amex Card:
Effective January 1, 2021, Trip Interruption coverage will be available as long as there is a valid insured risk, with the exception of claims directly or indirectly related to COVID-19, even if your trip was booked prior to January 1, 2021 or if there is no travel advisory in effect.

If I purchased a trip while a travel advisory was in effect, then it’s lifted and a new travel advisory is put in place after I depart on my trip, am I covered?

If the Canadian government issues a travel advisory after your departure date advising travellers to avoid non-essential travel or to avoid all travel to a specific country, region or area, your trip interruption coverage in that specific country, region or area will be limited to a period of 10 days from the date the travel advisory is issued, or to a period that is reasonably necessary for you to safely evacuate the country, region or area.

For coverage included with my Amex Card:
Effective January 1, 2021, claims directly or indirectly related to COVID-19 will not be covered under the Trip Interruption benefit, regardless of whether a travel advisory related to COVID-19 is in effect or not. Trip Interruption coverage will be restricted to a period of 10 days from the date the travel advisory is issued, or to a period that is reasonably necessary for you to safely evacuate the country, region or area, after which coverage will be limited to losses which are unrelated to the reason for which the travel advisory was issued.

When the travel advisory is lifted, if I book a trip using a travel credit I was offered, will I still be covered for Trip Cancellation and Interruption?

Trip Cancellation and Interruption coverage is available, including COVID-19 related events, as long as there is a valid insured risk. If you have coverage through your card, you must provide proof that your original travel arrangements were charged to a valid Amex card.

For coverage included with my Amex Card:
Effective January 1, 2021, Trip Cancellation and Interruption coverage will be available as long as there is a valid insured risk, with the exception of claims directly or indirectly related to COVID-19 even if your trip was booked prior to January 1, 2021 or if there is no travel advisory in effect.

For card coverage, is the reason behind receiving a travel credit taken into consideration at time of claim, i.e. travel supplier cancels?

The reason for receiving the credit is not relevant for claim purposes. Coverage is available as long as you can provide proof that your original travel arrangements were charged to a valid Amex card.

I received a credit or voucher from my travel provider. Can I claim the full amount through my insurance?

Travel insurance policies with trip cancellation and trip interruption coverage are designed to cover costs for cancelled trips that are non-refundable and non-transferable.

Cardmembers should contact their travel supplier to see if they are entitled to a refund if they are unable to use a voucher or credit before its expiry, or if they have other disputes regarding refunds and credits. If your credit or voucher expires or a situation arises where you are unable to use it, please contact Global Excel Management to understand what solutions are available to you.

For more information on obtaining vouchers and credits from airlines, the Canadian Transportation Agency offers suggestions in a statement on vouchers and credits.