Here’s what the Co-operators have to say.

If there is an active travel advisory of Level 3 (Avoid non-essential travel) or Level 4 (Avoid all travel), there is no coverage. Those travelling must check the Government of Canada website to verify the level of their destination, up to the moment of their flight, as levels can change at any time.

Please note: if the country you are travelling to becomes a Level 3 or 4, as per the Government of Canada (, after the time of departure, out-of-country coverage will remain in effect as this will be considered an unforeseen event.

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