GMS (Group Medical Services ) Coronavirus (COVID-19)

Coronavirus (COVID-19): Taking care of clients as events unfold

Although the Coronavirus (COVID-19) has spread globally to dozens of countries, our Government has issued just four COVID-19-related travel advisories as of March 9th. Country-wide advisories for China, Italy and Iran, and a regional advisory for South Korea.

Effective March 9th, 2020 the Government of Canada also issued a recommendation to Canadian travellers to avoid all cruise ship travel due to the ongoing COVID-19 outbreak. Consistent with this advisory, GMS now considers all cruise ships to be destinations with COVID-19-related travel advisories.

When it comes to Trip Cancellation Insurance, GMS is taking a measured response to the COVID-19 threat.

KNOW BEFORE YOU PURCHASE: If a country has a regional travel advisory due to COVID-19, it’s possible the same advisory could be issued for other areas of that country. As a result, any Trip Cancellation plan purchased on or after March 10th, 2020 will not cover cancellation claims related to a Coronavirus travel advisory if there is already a regional Coronavirus travel advisory in place for that country.

Example: There is a regional travel advisory in place for South Korea. On or after March 10th, clients purchasing a Trip Cancellation Plan for anywhere in South Korea will not be covered for cancellation claims related to COVID-19 travel advisories. Clients will still be able to make non-COVID-19-related cancellation claims, and make claims under the trip interruption provisions of their plan.

Otherwise, the protection offered by GMS travel insurance has not changed. Here are some scenarios to help clarify the impact of COVID-19-related quarantines and travel advisories. As always, be sure to refer to the product’s policy for full details on all exclusions and limitations.