Ottawa advises Canadians not to travel abroad. What this means for your travel plans

Many Canadian travellers went into panic modeFriday after the federal government advised against all international travel to help stop the spread of the coronavirus.

Here's what you need to know about the government's new travel advisory and how it will affect your vacation plans.

Is this a ban?

No. The government'sadvisoryisn't a travel ban, but rather a recommendation to avoid international travel.

"The borders aren't closed. It's a free country. If a plane's taking off, you can get on it," said travel advisor Christiane Cormier, owner of Passports to Postcards Travel in Port Credit, Ont.

However, Canadianswho opt to travel now may face consequences such as nocoronavirus-related medical insurance coverage anddifficulty securing aflighthome, as Ottawa has pledged to reduce the number of airports accepting inbound international flights.

The government has also advisedall Canadian travellers abroad to return homeand recommended that any returning travellersself-isolatefor 14 days as a precaution.

Cormier said just the prospect of self-isolation has motivated some clients to nix their travel plans.

"For some people, their job requires them to be in an office, or they work in a capacity where they can't do that."

Will my cancellation insurance cover me?

Canadians who chooseto cancel their trip should check with both their travel and insurance provider to explore their options.

Insurance broker Martin Firestone said customers with the right insurance should now be covered if they cancel an international trip.

That's because trip cancellationinsurance typically coverstravellers who have booked a trip before the government issues an advisoryagainst non-essential travel to their destination.

Because Ottawa advised against all non-essential international travel on Friday, Firestone said customers who've already booked a trip should get a full refund provided they qualify for the coverage and the travel advisory is still in place on their travel date.

"This is huge," said Firestone about the travel advisory. "They basically turned the world into a hotspot that should not be travelled to."

So far, at least fiveCanadian insurance providers including major players Manulife and Allianz have issued company memos stating they will factor in the government's travel advisory when customers make claims.

It should be noted that the advisory won'tapply to customers who signed up with an insurance company after it stopped offering coronavirus-related cancellation coverage.

Four insurance providersManulife, Allianz, TuGo and Blue Cross recently stopped sellingthe coverage to new customers, because they now consider the virus a "known" issue.

What about medical coverage?

Firestone said another consequence of the new travel advisory is that Canadianswho now choose to travel outside Canada likely won't have medical coverage if they get sick with the coronavirus.

That's because they've chosen to visit a country to which the government has advised against travelling, due to the virus.

"So if you end up in the emergency room and get admitted to a hospital and then the fever turns into bronchitis and pneumonia, this is hundreds of thousands of dollars that will not be covered," said Firestone with Travel Secure in Toronto. "That's scary."

According to Manulife's memo, travellers who depart for atrip after March 17 won't get coronavirus-related medical coverage.

Insurance provider,RTO/EROistaking a more extreme approach, announcing online that travellers' entire emergency medical coverage will expire by March 23,or however long it takes themto safely return home.

Firestone said the government's travel advisory has currentlymade international travel a risky endeavour.

"Anybody really who's travelling now for non-essential reasons is doing the wrong thing. It is not the time to leave Canada."

What about the travel providers?

For people who want to cancel or change their trip and have no travel insurance, they still may be accommodated by their travel provider.

"Most of the tour operators are offering some flexibility," said Cormier. "I've actually been impressed with the way the industry, especially the big players in Canada, have stepped up."

Many cruise companies are offering full refunds or travel credits when people cancel or rebook.

At the beginning of March, Air Canada, WestJet, Air Transat and Sunwing began waiving change fees for bookings made that month, and now they have extended the offer to passengers who had booked before March, for travel up until April 30.

And those policies may become even more flexible as the coronavirus continues to ravage travel plans.

When the government warned against all international travel on Friday, Laura Young of Pickering, Ont., decided that she and her husband mustcancel their vacation package deal to the Dominican Republic, booked with Air Transat.

"We thought, 'Well this is non-essential travel. We can't put ourselves in harm's way.'"

However, Young's flight departed the next day, Air Transat's phone lines were jammedand, at the time, the airlinerequiredthat customers give three days' notice to maketrip changes without paying a fee.

"I'm devastated," said Young, whose vacation package cost $5,000 in total. "Ijust like have this pit in my stomach."

CBC News contacted Air Transat, which replied that it had changed its policy, now requiring only oneday's notice to change a booking without charges.

"This makes me so happy," said a relieved Young who submitted a claim online before the deadline.