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SUMMER 2021 | 55 TRAVEL INSURANCE 101 KNOW BEFORE YOU GO Canada has four travel advisory risk levels. It's important to understand them and be aware of what the security conditions are for your specific travel destination. LEVEL 1 This is the lowest level of risk, and travellers should exercise normal security precautions as they would in Canada. LEVEL 2 Travellers are advised to exercise a high degree of caution since the destination has some safety and security concerns. LEVEL 3 Travellers are advised to avoid non- essential travel since the destination has specific safety and security concerns that could put them at risk. LEVEL 4 Travellers are advised to avoid all travel to the destination, as there is an extreme risk to their personal safety and security. If they're already there, travellers should leave if it's safe to do so. Read more about travel advisories at CAA Travel Insurance is underwritten by Orion Travel Insurance Company, a CAA Company. Certain exclusions, limitations and restrictions apply. A Medical Questionnaire is required if you are 60 years of age and older. Policy conditions and limitations apply. Subject to change without notice. See full policy for all terms and conditions at Explore exotic locales and dreamy destinations during one of CAA's Virtual Visits Adventure Is Calling Even if you can't travel just yet, you can still fuel your wanderlust from the safety of your own home by attending one of CAA's online Virtual Visits. You'll learn about exciting travel experiences that await in the future, whether it's a wine tour through British Columbia or revelling in the breathtaking Irish countryside. CAA's knowledgeable travel experts and partners will also answer questions about safety protocols and offer planning tips. Find out about the next Virtual Visits session and reserve your spot at . *Dates and times are subject to change. insider: travel & insurance Global Affairs Canada issues destination-specific travel advisories for health emergencies, political instability and natural disasters. In some cases, a global advisory is issued, such as the current one for Covid-19. There are four risk levels that can be applied to any country, territory or region. HOW TRAVEL ADVISORIES AFFECT YOUR TRAVEL INSURANCE Depending on your travel insurance policy, medical costs may still be covered if a Level 3 or 4 travel advisory comes into effect after you left, or if the medical issue is unrelated to the reason for the advisory. But most insurance companies won't cover your claim if, at the effective date of your policy, a level 3 or 4 travel advisory was issued for your destination. This is why it's so important to always check the federal government's website at before you book, up to a week before you leave and even during your trip. Before leaving for any trip, register with Global Affairs Canada and download the government's Travel Smart app at for up-to-date travel advisories, health updates and emergency contact numbers.

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