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

As of March 13th, 2020, the Government of Canada has advised Canadians to avoid all non-essential travel outside of Canada in order to limit the spread of COVID-19.

Trip Cancellation/Interruption Insurance

As a result of the travel advisory, customers who have booked a trip prior to March 13th, 2020, may be eligible to submit a Trip Cancellation/Interruption claim for travel booked on eligible Scotiabank Credit Cards, subject to the conditions below.

Prior to making a claim, please first inquire with your travel provider regarding credits and/or refunds available. Coverage is only available for non-refundable expenses.

For Trip Cancellation/Interruption claims as a result of COVID-19 reasons, the following circumstances must be met:

The Government of Canada has declared an official travel advisory risk level of 3 (avoid non-essential travel) or risk level 4 (avoid all travel) for the travel destination The trip was booked prior to the travel advisory being announced Your eligible Scotiabank Credit Card was used to pay for at least 75% of the eligible cost of the trip and/or paid with Scotia Rewards Points All of the other terms, conditions, limitations, and exclusions contained in the Certificate of Insurance are met Any trip booked on or after March 13th, 2020, will not be eligible for Trip Cancellation/Interruption insurance while the travel advisory is in effect.

Travel Emergency Medical Insurance

As a result of the travel advisory, insured persons who started a trip prior to March 13th, 2020, may be eligible to submit a Travel Emergency Medical claim due to COVID-19 related illness, subject to the terms, conditions, limitations, and exclusions found in the Certificate of Insurance.

COVID-19 related Travel Emergency Medical claims will not be eligible for insured persons who proceed with travelling outside of Canada on or after March 13th, 2020, while the travel advisory is in effect.

Last updated June 3, 2020