An Important Update for TripleGuardTM Policyholders in British Columbia


April 22, 2020


Dear TripleGuard™ Client,


I’m pleased to let you know that Aviva Insurance Company of Canada (Aviva) is ready to begin processing pandemic claims for dentists in British Columbia under the TripleGuard™ insurance policy.


I’d like to thank Executive Director, Jocelyn Johnston, President, Dr. James Singer and the Board of the BCDA, for their tireless efforts and determination. Working together, we’ve been successful in bringing this to a conclusion on behalf of BCDA member TripleGuardTM policyholders.


Below are some of the details you will need to provide to Aviva during the claims process.


About Your Pandemic Coverage

Although the TripleGuard™ Pandemic Outbreak Extension policy wording is consistent across Canada, each claim will be assessed by Aviva on an individual basis.


  1. Provincial Government Order

Aviva has clarified that the pandemic coverage is activated when there is an order in place by the provincial government to shut down non-essential services.  This is not the date of any instruction from your respective dental associations or colleges, rather it is the provincial government’s order date.

Please be aware that your policy contains a 24-hour deductible, therefore your actual financial loss will be calculated from the provincial order date + 24 hours.

The effective provincial order date that will be used to trigger TripleGuardTM pandemic insurance coverage for British Columbia is March 23, 2020.


  1. Your Individual Circumstances

As is the case with any insurance claim, Aviva will require documentation for the losses you have incurred.

Aviva normally pays a lump sum benefit once the aggregate limit is met. However, since each situation is unique, you may discuss interim payment options with your Aviva adjuster once they have reviewed all of the required documentation.


Next Steps

If you have already submitted your initial claim information, you will be contacted by an Aviva adjuster to outline the information needed to progress your claim. It will help move things along if you are prepared to provide:

  • Financial statements for your practice for the year ended December 31, 2019 or for your most recent year end. If your year end is prior to December 31, 2019 or if you have a new practice, then you should provide those statements and reports you have available that pertain to the period prior to closure.
  • If you have provided emergency work during the closure, information of weekly earnings from the point of closure to present.
  • Other information may be required – the Aviva adjuster will let you know if that is the case for you.
  • You will be asked to provide this information to the Aviva adjuster once they reach out to you about your claim.


If you have not already submitted your initial claims information form, please call us at 1.800.561.9401 or email


We recognize this is a difficult time for you. You have my commitment that CDSPI and Aviva are working together to ensure we resolve your claims as quickly and efficiently as possible. This situation is unprecedented, and we appreciate your patience as Aviva adjusters begin the process of reaching out to each of you.


I encourage you to review our list of Frequently Asked Questions (‘FAQ’) related to pandemic coverage and claims. This document is regularly updated with new questions. You can access the document by clicking here.


Be well and stay safe.

Ed Dermit


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