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    Travel Insurance In a World with COVID-19

    Last updated May, 2021

    Be Prepared - Protect Your Travels with Travel Insurance

    Travel Insurance has never been more important or helpful than in a world with COVID-19. Purchasing appropriate and adequate travel insurance will protect your travel investment and decrease stress if you are not able to travel as planned.

    COVID -19 has changed the travel insurance landscape significantly, but there ARE insurance providers who are now covering medical issues, cancellations, and interruptions to travel that are COVID-19 related. That said, finding the right coverage and purchasing at the right time does take some careful planning and pouring through the fine print, but never fear we are here to help!

    $50 per person credit for Being a Prepared Traveller

    As our thank you to you for being prepared and taking the time to purchase travel insurance, we will offer you a $50 per person credit towards your tour cost if you provide evidence of a valid Cancel for Any Reason (CFAR) Insurance policy that will cover your tour costs if you were unable to join your tour.

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    *While not insurance experts, here is what we have learned through our research:

    Cancel For Any Reason Insurance (CFAR)

    In this environment with so many unknowns and for the greatest peace of mind, we highly recommend purchasing insurance known as Cancel For Any Reason Insurance (CFAR). CFAR policies vary by provider, but the general idea is that as the name implies you can cancel for any reason and receive a partial to full refund depending on the policy, specific circumstances, and date of your cancellation.

    Things to know about Cancel For Any Reason Insurance (CFAR)

    1. CFAR has to be purchased shortly after paying for ANY portion of your travel/tour. The exact window for purchase varies from 72 hours to 20 days after payment has been made, depending on the provider.
    2. CFAR will cover 100% of your non-refundable expenses when canceling for reasons covered as part of typical cancellation insurance i.e. you or an immediate family member break a leg and can no longer travel. 
    3. When canceling for a reason that is not covered by standard cancellation insurance i.e using the Cancel for Any Reason clause- only a portion of your non-refundable expenses will be covered, often 75- 80%. Examples of reasons for cancellation, in this case, could be canceled because of no longer having the desire to travel, or your dog is sick or any other reason not covered by standard cancellation insurance, etc. 
    4. CFAR policies have different amounts of coverage based on when you cancel your trip. The closer you get to your tour departure the amount of coverage/refund you would be eligible for changes. 
    5. CFAR policies are sold with coverage for cancellations but also usually include trip interruption and medical coverage which can be helpful once you have started your journey.



    Top Tips and What We Have Learned Researching Travel Insurance

    Do I really need to purchase travel insurance? I never have purchased it before…

    The simple answer is YES! Travel insurance has become an incredible tool for having peace of mind when travelling in a world with COVID – 19 and the associated travel restrictions, border closures, and many other uncertainties. Having the right insurance helps you to focus on trip planning, having fun, and enjoying versus worrying about the ‘what if’s’. While canceling or unexpected changes to your travel would be no fun, it is much less stressful when you aren’t worried about losing all your hard-earned dollars.

    applicable policies
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    If you are from Canada:

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    If you are a US Resident:

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    If you are from outside Canada/US:

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    basic Travel insurance 101

    What is Travel Insurance? Why would I need it? To learn about the basics of what general travel insurance is all about, please visit our:


    Travel Insurance 101