- Central African Republic
- Congo, Democratic Republic
We're always monitoring global events to remain current on political, economic, socioeconomic, criminal, health-care and transportation issues around the world. As events happen, we may update our foreign travel guidelines.
The Canadian government uses these categories to rate the risk of travel to foreign countries:
Generally, people who travel to countries with the first two risk levels are insurable.
People who travel to countries/regions with the risk level of "Avoid non-essential travel" may be insurable, depending on details of travel and the reason for the risk level.
Individuals who travel to countries/regions with the risk level of "Avoid all travel" are generally uninsurable.
If the Client is travelling to multiple countries, the most conservative country assessment will apply.
We've classified countries as either low risk, moderate to high risk, or uninsurable.
Reconsideration of rating:
Extra premiums for travel can be reconsidered after issue, if there has been:
Requirements for reconsideration will include:
We can't insure people with these occupations:
Generally, Clients who travel to the countries listed below, or who contemplate traveling to one of these countries, cannot be offered life insurance coverage, regardless of length of travel. This list can change at any time without notice. In addition to these destinations, we usually won’t be able to offer coverage to individuals who travel or contemplate traveling to countries with a travel warning of "avoid all travel" on the government of Canada's website for Canadians traveling or living abroad: www.travel.gc.ca.
Due to recent events, we’ve temporarily updated our travel guidelines for Belarus, Israel, Lebanon, Russia and Ukraine. We will not accept insurance applicants planning on travelling, or with a recent pattern of travel, to these locations until further notice. This includes travel to and from, as well as those living and residing in those countries. We made this decision in alignment with current Canadian travel advisories.