Will I be covered if my trip had to be cancelled or was interrupted as a result of COVID-19?

Travel advisories issued by the Government of Canada may have implications on your eligibility for claims under trip cancellation and trip interruption benefits.

This includes general advisories against travel for particular destinations (for example, COVID-19, safety and security threats, etc.) as well as travel advisories that may be specific to forms of travel (for example, cruise ship travel).

Travel advisories can change at a any time. Please visit the Government of Canada’s travel advisory pagetravel advisory page for the most up-to-date information.

Trip Cancellation

Cardholders who have paid for at least 75% of the eligible cost of a trip to their Scotiabank credit card prior to the issuance of a government of Canada travel advisory may be eligible for a trip cancellation, subject to the conditions below.

Before making a claim, please first inquire with your travel provider regarding credits and/or refunds available. Coverage is only available for any eligible expenses which are not refundable or reimbursable in any manner, including through other insurance.

If at least 75% of the eligible cost of the trip was charged to your Scotiabank credit card (inclusive of Scotia Rewards Points or Scene+ Points) at a point in time that a Government of Canada travel advisory was in place to either ‘avoid non-essential travel’ or to ‘avoid all travel’ for your particular destination or form of travel, you are not eligible to claim for trip cancellation benefits if the reason for cancelling was related to the travel advisory that was in effect when you charged your trip and not related to other covered causes for cancellation set out in your insurance certificate.

If at least 75% of the eligible cost of the trip was charged to your Scotiabank credit card (inclusive of Scotia Rewards Points or Scene+ Points) at a point in time when no Government of Canada travel advisory was in place, and subsequently, prior to departure, the Government of Canada issued a travel advisory to ‘avoid non-essential travel’ or to ‘avoid all travel’ for your particular destination or form of travel, you are eligible to claim for trip cancellation benefits if the reason for cancelling was related to the travel advisory. Such claim is subject to all other terms and conditions of claim eligibility in your insurance certificate.

Trip Interruption Insurance

Customers who have charged at least 75% of the eligible cost of a trip to their Scotiabank credit card and departed on their trip prior to the issuance of a government of Canada travel advisory may be eligible to submit a trip interruption claim, subject to the conditions below.

If at least 75% of the eligible cost of the trip was charged to your Scotiabank credit card (inclusive of Scotia Rewards Points or Scene+ Points), and you departed on your trip at a point in time that a government of Canada travel advisory was in place to either ‘avoid non-essential travel’ or to ‘avoid all travel’ for your particular destination or form of travel, you are not eligible to claim for trip interruption benefits if the reason for interrupting your trip was related to the travel advisory that was in effect when you departed and not related to the other covered causes for interruption set out in your insurance certificate.

If at least 75% of the eligible cost of the trip was charged to your Scotiabank credit card (inclusive of Scotia Rewards Points or Scene+ Points), and you departed on your trip at a point in time when no government of Canada travel advisory was in place, you are eligible for trip interruption benefits if the government of Canada issued a travel advisory to ‘avoid non-essential travel’ or to ‘avoid all travel’ for your particular destination or form of travel after your departure and your reason for interrupting your trip was related to the travel advisory. Such claim is subject to all other terms and conditions of claim eligibility in your insurance certificate.

Last updated December 24, 2021