Procedures on Travel - Appendix C – Guide to Insurance Coverage
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Procedures on Travel : Appendix C – Guide to Insurance Coverage
Notice to readers
Many of the policy instruments referenced in the Procedures on Travel are only available to CRA employees.
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 |
Public Service Superannuation Act The Public Service Management Insurance Plan - Main plan booklet Public Service Management Insurance Plan executive plan booklet |
Contact the Compensation Client Service Centre (CCSC) or Executive Compensation Services (ECS) |
| Death and dismemberment | Multiple insurance plans |
Contracted travel card service provider (travel accident insurance, car rental accidental death and dismemberment insurance) Standing offer with PSPC and vehicle rental agencies. Refer to PSPC's Car Rental Standing Offer |
Contact the Financial Reporting and Accounting Division (FRAD) by email |
| Injury-on-duty leave | Employees disabled due to an occupational injury or disease entitled to injury-on-duty leave |
Government Employees Compensation Act The applicable terms and conditions of employment and Collective agreements |
Contact the Compensation Client Service Centre (CCSC) or Executive Compensation Services (ECS) |
| Long-term disability | Monthly income benefit when unable to work for lengthy period due to disabling illness or injury following an "elimination period" |
The Public Service Management Insurance Plan - Main plan booklet Public Service Management Insurance Plan executive plan booklet |
Contact the Compensation Client Service Centre (CCSC) or Executive Compensation Services (ECS) |
| Medical expenses resulting from illness or injury |
Employee coverage Emergency travel assistance services Eligible expenses |
Contact the Compensation Client Service Centre (CCSC) or Executive Compensation Services (ECS) | |
| 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 the Compensation Client Service Centre (CCSC) or Executive Compensation Services (ECS) |
| Indemnification and legal assistance related to actions arising from performance of duties including while travelling on CRA business | Indemnification and protection from certain financial expenses of Crown servants against liability to the Crown and to third parties and provision of legal assistance where appropriate | Directive on Legal Assistance and Indemnification |
Employees to contact their manager Managers to contact the HR Service Centre |
| Damage to privately owned vehicle driven while travelling on CRA business | CRA assumes no financial responsibility other than paying authorized kilometric rate and supplementary business insurance premium, when required. |
CRA’s Directive on Travel CRA’s Directive on Travel: Appendix A – CRA Kilometric Rates |
Contact the Financial Reporting and Accounting Division (FRAD) by email |
| Damage to CRA fleet vehicle | CRA self-insures its own vehicles | CRA Directive on Travel | Contact the Financial Reporting and Accounting Division (FRAD) by email |
| Auto Rental Public Liability and Property Damage Coverage | Rental rate includes some rental insurance | Standing offer with PSPC and vehicle rental agencies. Refer to PSPC's Car Rental Standing Offer | Contact the Financial Reporting and Accounting Division (FRAD) by email |
| Damage to rental vehicle | Collision damage waiver or loss damage waiver | Contracted travel card service provider | Contact the Financial Reporting and Accounting Division (FRAD) by email |
| Unexpected return home insurance | Unexpected return home coverage in the event of the death of an immediate family member while on CRA business travel | Contracted travel card service provider | Contact the Financial Reporting and Accounting Division (FRAD) by email |
| Flight and baggage delay and hotel/motel burglary |
Coverage for the following:
Maximum aggregate benefit Reasonable expenses Loss of personal items |
Contracted travel card service provider | Contact the Financial Reporting and Accounting Division (FRAD) by email |
| Lost or stolen baggage | Compensation for lost or damaged baggage | Contracted travel card service provider | Contact the Financial Reporting and Accounting Division (FRAD) by email |
| Car rental personal effects burglary |
Robbery of personal effects while in transit in a rental vehicle The insured is covered in the event of robbery or theft of personal effects (except money) transported, worn or used while travelling (with limitations) |
Contracted travel card service provider | Contact the Financial Reporting and Accounting Division (FRAD) by email |
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- Date modified:
- 2025-07-07