Government of Canada Adjusts Cruise Ship Travel Advisory

Effective 12:01am EST March 7, 2022, the Government of Canada adjusted its cruise ship travel advisory from a Level 4 (avoid all travel) to a Level 2 (exercise a high degree of caution). This means the Government no longer recommends that Canadians avoid cruise ship travel.

With the lifting of the Level 4 cruise ship travel advisory, expenses related to COVID-19 are now eligible under our standard plans as long as on the effective date, there is no Level 3 or Level 4 travel advisory related to COVID-19 in effect at the destination. Here are the details.

Emergency Hospital and Medical (EHM)

Benefits you if you test positive while abroad and require medical treatment for COVID-19. This includes coverage for the cost of a positive COVID-19 test.

Trip Cancellation

If you have to cancel your trip as a result of becoming ill with COVID-19 in Canada prior to departure from your province or territory of residence.

Trip Interruption

If you have to interrupt your trip after departure as a result of falling ill with COVID-19, please note:

COVID-19 remains a known event for Trip Cancellation and Trip Interruption. Therefore, for policies that were purchased on or after March 11, 2020, any Trip Cancellation or Trip Interruption claims related to previous or future Government of Canada travel advisories connected to COVID-19 will continue to not be payable.

Denied Boarding

There is no benefit for denied boarding under Trip Cancellation or Trip Interruption benefits within our plans.

Our Covid-19 Insurance and Assistance Plan

As travel advisories continue to evolve, please ensure that you include COVID-19 coverage with your CDSPI Travel Edge policy, especially in destinations with higher risk. We want to ensure you purchase a plan that is right for you. There may be instances where you should consider both a standard and COVID-19 Plan to ensure you have the most comprehensive coverage available.


You can easily apply over the phone. Just give an insurance advisor at CDSPI Advisory Services Inc. a call at 1.800.561.9401 to discuss your needs.


For coverage for those older than 75, visitors coming to Canada, or students studying abroad, call 1.888.737.2228.

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