Notice to the reader
This document is not yet in effect.
This document is not yet in effect.
December 1, 2026
Note: Insurance coverage varies based upon an employee’s profile and specific travel requirements. Employees are advised to verify all insurance coverage.
INCIDENTS | HIGHLIGHTS OF INSURANCE COVERAGE | SOURCES | EMPLOYEE INQUIRIES |
|---|---|---|---|
| Death and Dismemberment | Multiple insurance plans |
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| Contact your Human Resources Compensation Section, Pay & Benefits Section ********** Contact your designated Departmental Travel Co-ordinator |
| Injury-on-Duty Leave | Employees disabled due to an occupational injury or disease entitled to injury-on-duty |
| Contact your Human Resources Compensation Section, Pay & Benefits Section |
| Long-term Disability | Monthly income benefit when unable to work for lengthy period due to disabling illness or injury following an "elimination period" |
| Contact your Human Resources Compensation Section, Pay & Benefits Section |
| Medical Expenses Resulting from Illness or Injury |
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| Contact your Human Resources Compensation Section, Pay & Benefits Section |
| Private Life Insurance Benefits Deemed Null and Void Because Death Resulted from War or Other Hostile Activities | Compensation to survivors of federal public servant | High Risk Travel Compensation Program | Contact your Human Resources Compensation Section, Pay & Benefits Section |
| Indemnification and Legal Assistance Related to Actions Arising from Performance of Duties Including While in Travel Status | Indemnification and protection from certain financial costs of Crown servants against liability to the Crown and to third parties and provision of legal assistance where appropriate | Policy on Legal Assistance and Indemnification | Contact your designated Departmental Travel Co-ordinator |
| Damage to Private Motor Vehicle Driven on Official Business | Employer assumes no financial responsibility other than paying authorized kilometric rate and supplementary business insurance premium, when required. | Travel Directive Appendix B – Kilometric Rate | Contact your designated Departmental Travel Co-ordinator |
| Damage to Crown-owned Vehicle Driven on Official Business | Federal government "self-insures" its own vehicles | Motor Vehicle Operations Directive | Contact your designated Departmental Travel Co-ordinator |
| Auto Rental Public Liability and Property Damage (PL&PD) Coverage | Rental rate includes some rental insurance | Standing Offer/Agreement with PSPC and car rental agencies | Contact your designated Departmental Travel Co-ordinator |
| Damage to Rental Vehicle | Collision Damage Waiver or Loss Damage Waiver (DCW/LDW) | Contracted Travel Card Service Provider | Contact your designated Departmental Travel Co-ordinator |
| Unexpected Return Home Insurance | Unexpected return home coverage in the event of the death of an immediate family member while on government travel | Contracted Travel Card Service Provider | Contact your designated Departmental Travel Co-ordinator |
| Flight and Baggage Delay and Hotel/Motel Burglary | Coverage for the following:
| Contracted Travel Card Service Provider | Contact your designated Departmental Travel Co-ordinator |
| Lost or Stolen Baggage | Payment for lost or damaged baggage | Contracted Travel Card Service Provider | Contact your designated Departmental Travel Co-ordinator |
| Car Rental Personal Effects Burglary |
| Contracted Travel Card Service Provider |