Important COVID-19 Coverage Information

March 12, 2021

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.

COVID-19 continues to impact travel. Now, more than ever before, travellers have a greater responsibility to understand the many aspects of their trip and their travel insurance coverage before they travel. Rules and guidelines are changing rapidly. Be sure to monitor this website regularly and stay in touch for the most current information.

We recommend that all Canadians respect and follow government travel advisories and avoid non-essential travel outside of Canada. We know that travel is a personal decision for everyone. If you do choose to travel, it’s important that you research, ask questions, be knowledgeable and make sure that all the elements of your trip come together for a safe experience. Obtaining medical assistance outside of Canada can be challenging at this time. Although we have different coverage options available to support you if you need us, please note that most losses related directly or indirectly to COVID-19 are excluded from coverage.

Review our COVID-19 FAQs for quick answers to some of your questions, including information on upcoming changes to AMEX Card coverages and purchased Amex Travel Insurance plans. Not all cards include emergency medical coverage and/or trip cancellation/interruption coverage. Please refer to your Certificate of Insurance along with any important Notice of Change included on your Amex Card statement or your Amex Travel Insurance package to understand 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 Trip Interruption Insurance coverage took effect January 1, 2021, for eligible Amex Cards, and on February 1, 2021, for Amex Travel Insurance Plans available for purchase. 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 took effect January 1, 2021, for eligible Amex Cards and February 1, 2021, for Amex Travel Insurance Plans available for purchase. 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 your claim. You should also keep the following in mind:

  • 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.
  • 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.

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

®Global Excel and the Global Excel logo are registered trademarks of Global Excel Management Inc.

FAQ – Travel Advisories and how they affect my coverage

Unless otherwise noted, the FAQs below apply to both Amex Bank of Canada (“Amex”) Cards and Amex Travel Insurance plans available for purchase which include emergency medical coverage and/or trip cancellation and trip interruption coverage. While the below could address most cases, each person’s travel arrangements and coverage may differ. Please refer to your Certificate of Insurance along with any important Notice of Change included on your Amex Card statement or your Amex Travel Insurance package.

COVID-19 continues to impact travel. Now, more than ever before, travellers have a greater responsibility to understand the many aspects of their trip and their travel insurance coverage before they travel. Rules and guidelines are changing rapidly. Be sure to monitor this website regularly and stay in touch for the most current information.

We recommend that all Canadians respect and follow government travel advisories and avoid non-essential travel outside of Canada. We know that travel is a personal decision for everyone. If you do choose to travel, it’s important that you research, ask questions, be knowledgeable and make sure that all the elements of your trip come together for a safe experience. Obtaining medical assistance outside of Canada can be challenging at this time. Although we have different coverage options available to support you if you need us, please note that most losses related directly or indirectly to COVID-19 are excluded from coverage. The FAQs below have been complied to help you based on the most common questions received.

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.

If I depart on my 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?

If you purchased coverage through an Amex Travel Insurance plan that was effective prior to February 1, 2021:

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.

Effective January 1, 2021, for coverage included with your Amex Card, and effective February 1, 2021, for coverage purchased through an Amex Travel Insurance plan, we have revised the travel advisory exclusion. Coverage will now be available for medical conditions or losses which are unrelated to the reason for which the travel advisory was issued. However, emergency medical coverage directly or indirectly related to the travel advisory, including COVID-19 will not be available if you choose to travel despite the government travel advisory.

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

If you purchased coverage through an Amex Travel Insurance plan that was effective prior to February 1, 2021:

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.

Effective January 1, 2021, for coverage included with your Amex Card, and effective February 1, 2021, for coverage purchased through an Amex Travel Insurance plan, we have revised the travel advisory exclusion. 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.

Emergency Medical Coverage

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.

If I choose to receive the COVID-19 vaccine at my trip destination, will the costs of the vaccination and/or any complications arising from it be covered?

No, coverage is not available for expenses related to vaccination or any complications arising thereof, as it is an elective procedure that is not taken as a result of a medical emergency.

If I receive the COVID-19 vaccine prior to departure, but incur complications due to the vaccination during my trip, will expenses related to the complications be covered?

Coverage may be available if you don’t show symptoms or complications following the immunization prior to the departure date. If you do show symptoms or complications prior to the departure date, those symptoms or complications will be subject to the pre-existing medical condition exclusion of the certificate.*

*If you purchased an Amex Travel Insurance plan, you may have coverage if the symptoms or complications meet the Minor Ailment definition in your certificate (i.e. use of medication is less than 10 days, no more than one follow-up visit and ends at least 30 consecutive days prior to your departure date). Please refer to your certificate of insurance for complete details.

The Government of Canada is requiring that all travellers entering Canada provide a negative COVID-19 test result that was taken within 72 hours of entering the country. Am I covered for any expenses related to the test?

No, coverage is not available for expenses related to a COVID-19 test as it’s not being taken as a result of a medical emergency.

Trip cancellation, trip interruption and trip delay

Am I covered for Trip Cancellation and Interruption if I booked 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?

Coverage for Trip Cancellation and Trip Interruption caused by COVID-19 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 coverage is available for claims related to COVID-19, if your trip was booked prior to the travel advisory issued on March 13, 2020.

Effective January 1, 2021, for coverage included with your Amex Card, and effective February 1, 2021, for coverage purchased through an Amex Travel Insurance plan, a new exclusion has been added. Coverage for claims directly or indirectly related to COVID-19 will NOT be available, even if your trip was booked prior to that date 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 book a trip, will 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 you purchased coverage through an Amex Travel Insurance plan that was effective prior to February 1, 2021:

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.

Effective January 1, 2021, for coverage included with your Amex Card, and effective February 1, 2021, for coverage purchased through an Amex Travel Insurance plan, a new exclusion has been added. Trip Cancellation coverage for claims directly or indirectly related to COVID-19 will NOT be available even if there is no travel advisory in effect.

If I purchase a trip while the COVID-19 advisory is in effect, but only depart after the advisory is lifted, will I be covered for Trip Interruption benefits in my certificate of insurance?

If you purchased coverage through an Amex Travel Insurance plan that was effective prior to February 1, 2021:

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.

Effective January 1, 2021, for coverage included with your Amex Card, and effective February 1, 2021, for coverage purchased through an Amex Travel Insurance plan, a new exclusion has been added. 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 there is no travel advisory in effect.

If I purchase a trip while a travel advisory is 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 you purchased coverage through an Amex Travel Insurance plan that was effective prior to February 1, 2021:

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.

Effective January 1, 2021, for coverage included with your Amex Card, and effective February 1, 2021, for coverage purchased through an Amex Travel Insurance plan, we have revised the travel advisory exclusion and added a new exclusion. 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?

If you purchased coverage through an Amex Travel Insurance plan that was effective prior to February 1, 2021:

Trip Cancellation and Interruption coverage is available, including COVID-19 related events, as long as there is a valid insured risk.

Effective January 1, 2021, for coverage included with your Amex Card, and effective February 1, 2021, for coverage purchased through an Amex Travel Insurance plan, a new exclusion has been added. 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 there is no travel advisory in effect. If you have coverage through your card, you must provide proof that your original travel arrangements were charged to a valid Amex card.

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.

The Government of Canada is requiring that all travellers entering Canada provide a negative COVID-19 test result that was taken within 72 hours of entering the country. Am I covered for any expenses related to the test?

No, trip interruption/delay coverage is not available as the cause of the interruption/delay is not a valid insured risk.

Does my policy provide coverage for the costs related to the new requirements to quarantine when I return to Canada?

No, coverage is not available for expenses related to quarantine requirements upon returning to Canada. Our policies do not cover a trip interruption or delay (such as requirements to quarantine, etc.) if it’s related to COVID-19, because the travel advisory for COVID-19 was in effect before you departed and/or all Trip Cancellations, Trip Interruptions and Delays related directly or indirectly to COVID-19 are excluded.