What if I have a medical emergency and require treatment while on my trip? 

If your trip departure occurred before an active “avoid all non-essential travel” or “avoid all travel” Government of Canada travel advisory was issued, you are advised to return home as soon as possible. Should you incur a claim while you are travelling abroad and actively trying to secure transportation home, it will be subject to all other terms of your policy. 

If you departed after an active “avoid all non-essential travel” or “avoid all travel” Government of Canada travel advisory was issued, you do not have coverage.