Wondering about COVID-19 and trip planning? Please read our message.
Box 569 Heriot Bay, British Columbia, Canada V0P 1H0
North America: 1.800.307.3982 | Local & Overseas:

We are here to assist you in any way we can.
North America: 1.800.307.3982
Local & Overseas:
[email protected]

Travel Insurance In a World with COVID-19

Last updated on October 10, 2020

Be Prepared - Travel Insurance Means Less Stress

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 purchasing insurance

As our thank you to you for purchasing travel insurance, which helps to protect us both, 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 had to cancel as a result of travel restrictions, advisories, quarantine, self-isolation, and other COVID-19 related reasons.

[for more details on the $50 credit]

We recognize that travel has changed as a result of COVID-19 and we want to assure you we are here to help you have a safe and wonderful experience. We will work with you to help you find appropriate travel insurance protection for your adventure to give you the peace of mind to travel while protecting your hard-earned vacation dollars. 

We are a small family-run company and really appreciate your understanding that we incur many expenses in preparing for these tours and our terms and conditions and cancellation policy reflect this. We are happy to provide any paperwork needed for your insurance claim if you are unable to join us and you seek to reclaim any retained travel or tour costs. 

The $50 per person-credit towards your tour cost will be applied to the final payment. See below for a list of policies/coverage that qualify for this credit or call our office for more details.

Please note, this insurance needs to be purchased immediately after reserving your tour to be valid; again, we are happy to help you sort out the details.



*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 depending on the provider after payment has been made.
  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%. Examples of reasons for cancellation, in this case, could be canceled because of fear of 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 traveling 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.