caa travel insurance form

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First, choose your travel insurance option. (it’s easy to change later, too.).

How travellers can make an online claim with CAA Travel Insurance?

Haven’t yet submitted an insurance claim to caa travel insurance for your cancelled or interrupted trip did you know that you can submit it online, which is an easier and faster way here’s what you’ll need to do to submit your trip cancellation & interruption insurance claim to caa travel insurance., trip cancellation insurance claims:.

Step 1: Contact your travel provider or travel agent to cancel your trip. Make sure to ask your travel provider or travel agent for proof/confirmation of your trip cancellation/refund, and/or voucher/credit details. Keep in mind travel  vouchers/credits for future travel offered by travel suppliers are considered refunds .

Step 2: Open your trip cancellation insurance claim online or mobile app and follow the instructions:  www.globalexcel.com/orion

Step 3: Complete the claim forms. Ensure you have all the required documentation for your claim, which is listed on your claim forms.

Trip interruption insurance claims:

Note:  You are eligible for trip interruption insurance coverage  if you left Canada before the Global Affairs Canada travel advisory to avoid non-essential travel was in effect and you had to come back to Canada earlier than planned.

Step 1: Open your trip cancellation insurance claim online or mobile app and follow the instructions:  www.globalexcel.com/orion

Step 2: Complete the claim forms. Ensure you have all the required documentation for your claim, which is listed on your claim forms.

The COVID-19 situation has been changing quickly, and travel providers are continuously adjusting their policies. If there are any extenuating circumstances, include the details with your claim forms with the original travel and cancellation or interruption documentation.

If you need more help, don’t hesitate to contact CAA Travel Insurance via phone or email. Contact information is located on your wallet card and travel insurance policy documents. You can also submit questions to  [email protected]

Note: Due to high call volumes and messaging, response times will take longer. Also, due to the number of claims being submitted, it will take approximately 4-6 weeks to get a response for your claim. Your understanding during this time is greatly appreciated.

Tell us what you need. We’ll get you a quick quote

First, choose your travel insurance option. (it’s easy to change later, too.).

May 7, 2020

5 min. read

At CAA Travel Insurance, we’re committed to helping our Members during these challenging times. Now that all non-essential travel is being restricted around the globe, your travel plans may have been recently cancelled or interrupted. If you have CAA Travel Trip Cancellation and Interruption Insurance in place, you may be covered and it’s quick and easy to submit your claim online.

Filing your trip cancellation insurance claim.

Step 1:  If you haven’t done so yet, contact your travel provider or travel agent to cancel your trip. Ask for proof or confirmation of your trip cancellation and any refund, voucher, and/or credit details. It’s important to note that travel vouchers/credits for future travel are considered refunds.

Step 2:  Start your claim  here  and follow the easy instructions.

Step 3:  Submit your claim, along with all required documents listed on the claim form.

Filing your trip interruption insurance claim.

You are eligible to submit a claim if you left Canada before March 13 when Global Affairs Canada travel advisories went into effect, and you had to return to Canada earlier than planned.

Step 1:  Start your claim  here  and follow the easy instructions.

Step 2:  Submit your claim, along with all required documents listed on the claim form.

Is your situation unique? Talk to us.

If your circumstances do not fit within your travel insurance policy criteria, we may be able to help. Be sure to include any details of your situation, along with your claim.

CAA Travel Insurance Agents are working hard to resolve the many claims brought about by COVID-19.

Please be aware that due to high call volumes, our response times may be longer than usual and it may take up to 4-6 weeks to receive a response for your claim. Your understanding is greatly appreciated. Know that we will be giving you the same time and attention when addressing your claim too.

Need help or have questions about your claim?

Our licensed CAA Travel Insurance Agents can always be reached at the phone numbers on your wallet card and policy documents.

Alternatively, feel free to email us at  [email protected] . As we all work collectively to re-emerge on the other side of COVID-19, don’t lose sight of that dream vacation bucket list. Hopefully we’ll be out roaming the globe again soon!

Terms & Conditions

CAA Travel Insurance is underwritten by Orion Travel Insurance Company, a CAA Company. Certain exclusions, limitations and restrictions apply. A Medical Questionnaire is required if you are 60 years of age and older.

Subject to change without notice. See full policy for all terms and conditions at:  caasco.com/policy .

CAA Assistance is provided by Active Care Management Inc.

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First , we provide paid placements to advertisers to present their offers. The payments we receive for those placements affects how and where advertisers’ offers appear on the site. This site does not include all companies or products available within the market.

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CAA Travel Insurance Review 2024

Updated: Feb 28, 2024, 5:47am

The Canadian Automobile Association, or CAA, is well known for its roadside assistance, but you might not know that it also offers incredibly solid travel insurance—with loads of options for customizing your premium to fit your budget. CAA members also get a 10% discount on their premium. And with coverage for kids, grandkids and even pets, CAA travel insurance is a great choice for families, too.

• Pre-existing conditions rider
• Optional medical deductible
• CFAR and IFAR reimbursement at 75%
• Additional coverage for air excursions and sports
• Medical questionnaire required at age 60
• Limited coverage for adventurous travellers
• Discounts only available to CAA members

Table of Contents

About caa travel insurance, what travel insurance does caa travel insurance offer, caa travel insurance plans, summary: plan comparison, caa travel insurance cost, compare caa travel insurance with other insurers, optional add-ons for caa travel insurance, does caa travel insurance offer any discounts, does caa travel insurance offer annual multi-trip plans, does caa travel insurance have 24/7 travel assistance, does caa travel insurance have cancel for any reason (cfar), does caa travel insurance have interruption for any reason (ifar), does caa travel insurance cover pre-existing medical conditions, what’s not covered by caa travel insurance, how to file a claim with caa travel insurance.

If you’re one of the 5.8 million Canadians with a CAA membership, you’ve probably called for help when you’ve had a flat tire, been locked out of your car or run out of gas during a road trip. But CAA can offer much more than roadside assistance, including travel insurance for Canadian residents for trips both within Canada and internationally, as well as travel insurance for visitors to Canada.

The CAA is made up of nine regional clubs across Canada, including CAA South Central Ontario (that includes Manitoba), North East Ontario, Niagara, Alberta, British Columbia, Manitoba, Maritimes, Quebec and Saskatchewan.

This review is based on plans from CAA-South Central Ontario (CAA-SCO). If you live in another part of the province or elsewhere in Canada, your plan offerings may differ.

CAA South Central Ontario travel insurance is underwritten by Orion Travel Insurance, a CAA company.

Here are the key types of travel insurance coverage offered in CAA Insurance plans:

• Emergency medical insurance: If you become ill or are injured on your trip, travel medical insurance can pay for emergency medical expenses, up to the limits in your plan. These expenses can include doctor and hospital bills, medication and lab work.
• Trip cancellation insurance: If you cancel a trip for a reason listed in your policy, trip cancellation insurance can reimburse you for prepaid, non-refundable costs.
• Travel interruption insurance: Trip interruption insurance can pay for a last-minute flight home in an emergency and money that you lose by cutting a trip short, such as non-refundable activities and hotel stays. CAA offers a BounceBack benefit that kicks in if you have to go home to deal with an emergency, you’ll get $2,000 towards a round-trip ticket home and back again.
• Baggage insurance: Baggage travel insurance can compensate you up to your policy limits if your luggage is lost or stolen. It will reimburse the depreciated value of your suitcases and what you packed. If your bags are delayed, it can reimburse you for the cost of the necessities you buy to tide you over. It also extends to your personal belongings, if they are lost, damaged or stolen.
• Travel accident insurance. This coverage offers compensation in the event of accidental death or catastrophic injury from an accident during your trip. Flight accident insurance covers injury while you’re on a commercial plane, during a connection or in an airport. Travel accident insurance covers death or dismemberment, including the loss of limbs or eyesight, sustained on your trip.

CAA offers three travel insurance plans: Emergency Medical + Trip, Medical and Trip.

Emergency Medical + Trip: This is the most comprehensive plan that includes coverage for medical emergencies, trip cancellation and interruption, lost baggage and personal documents, non-medical emergency evacuation, medical repatriation, travel accident insurance and more.

Emergency medical treatment includes:

• Hospital accommodation up to a semi-private room.
• Physicians’ fees.
• Laboratory tests and X-rays.
• Private duty nursing.
• Ground ambulance service.
• Prescription drugs.
• Medical appliances including casts, splints, trusses, braces, crutches or the rental of a wheelchair.
• Treatment by a chiropodist, chiropractor, osteopath, physiotherapist or podiatrist.
• Emergency dental treatment due to a blow to the face.
• Emergency dental treatment due to illness, excluding roots canals or damage to dentures.
• Hospital allowance for long distance calls, TV rental when hospitalized for at least 48 hours.

Medical: If you’re only worried about medical emergencies while travelling (and not trip protection), this standalone plan offers all of the medical coverage options of the Emergency Medical + Trip plan and includes hospital accommodations, physician fees, lab tests, private nurses and ambulance services.

Trip: If you have medical coverage elsewhere, the Trip plan covers trip cancellation insurance, trip interruption insurance, baggage insurance, travel accident insurance and more.

With a CAA Travel Insurance plan you can purchase family coverage for three or more members, including your spouse, children and grandchildren. CAA even extends coverage to your pets in the event you are hospitalized or repatriated, as well as $300 for emergency veterinary care.

We highlighted key benefits of CAA Travel Insurance to help you identify which plan is the best fit for you.

Here’s a comparison of the Medical + Trip, Medical only and Trip only plans and how much coverage you’ll get.

The price of a CAA Travel Insurance plan depends on factors such as the cost of your trip, your age and the amount of coverage you choose.

Here are some price examples of CAA Travel Insurance plans for healthy travellers based in Ontario through the CAA-South Central Ontario Club. CAA members get 10% off these rates.

If you’re purchasing the Medical only plan, you can also add an optional deductible, or the amount you will pay out of pocket before your coverage kicks in, to lower the cost of your premium. Deductible options include: $300, $500, $1,000, $3,000, $5,000, $10,000, $25,000, $50,000 (USD).

World Nomads

Emergency medical: $5 million Cancel For Any Reason: No Baggage insurance (maximum): $1,000, $3,000

Related: World Nomads Travel Insurance Review

Manulife Financial

Emergency medical: $10 million Cancel For Any Reason: No Baggage insurance (maximum): $1,000

Related: Manulife Financial CoverMe Travel Insurance Review

Emergency medical: $5 million Cancel For Any Reason: No Baggage insurance (maximum): $1,500

Related: Blue Cross Travel Insurance Review

CAA Travel Insurance offers the following riders, or add-ons, for the more adventurous or sporty travellers:

• Adventurous Air Activities. Up to $5 million covering extra vacation fun while participating in activities that include hot-air balloon rides, parasailing and helicopter excursions.
• Sports & Speed. If you’re participating in a professional sporting event or motorized speed contest, this provides coverage for any accident or illness while you’re competing, training or practicing while you’re away.

Here’s how these add-ons could affect your premium:

If you’re renting a car while on vacation, the optional Rental Vehicle Damage Insurance add-on will pay up to $80,000 for rentals up to 80 days.

CAA members in the CAA-SCO Club receive 10% off their premium for any travel insurance plan. (Other clubs may offer different discounts. For example, CAA Maritime members receive a 15% discount.)

Here’s an example for the Medical + Trip plan:

Yes. If you travel a few times a year (or more!) it may be cost effective to buy multi-trip insurance , also known as annual trip insurance. CAA Travel Insurance has two plan options: The Multi-Trip Plan that offers medical coverage only for four, eight, 15 or 30 days, and the Annual Vacation Package Plan that offers medical and trip protection coverage for eight, 15 or 30-day periods. If you stay longer than the number of days in your plan, you can purchase a top-up.

CAA Assistance is available 24/7, 365 days of the year and can help you when you’re faced with an emergency. Support includes:

• Directing you to an appropriate physician or hospital at your trip destination.
• Providing multilingual interpreters to communicate with physicians and hospitals.
• Monitoring your care and ensuring only appropriate and medically necessary treatment is given.
• Communicating on your behalf to your family and physician.
• Paying hospitals, physicians and medical providers whenever possible.
• Arranging necessary transportation, such as an air ambulance, whenever necessary.

When you call CAA Assistance, you’ll need to provide your name, policy number, your location and the nature of your emergency. If you don’t contact CAA Assistance before receiving medical treatment, you may be limited to reimbursement of 80% of eligible expenses, to a maximum of $25,000.

If you’re not dealing with an emergency (say you’re holed up in your hotel room with a migraine) but you’d still like some medical advice, CAA Travel Insurance offers a Virtual Emergency Medical Assistance and House Call Service, which provides 24/7 and unlimited number of virtual visits to medical professionals via virtual healthcare.

According to CAA, 80% of cancellation claims are because a traveller, or one of their immediate family members, gets sick or injured.

Trip cancellation insurance covers things like:

• You are a family member, or your travel companion or their family members, is sick, injured, quarantined or dies.
• A blizzard, hurricane or volcano, for example, hits your home or you’re burgled within seven days before your departure.
• You lose your job.
• You’re called for jury duty.
• The business meeting, conference or event you were travelling to is cancelled.
• There’s a new travel advisory.
• The travel supplier you bought from goes out of business.
• Your passport is not issued in time.

CAA also offers Cancel For Any Reason insurance, which offers the following reimbursement if you cancel for a reason up to three hours before departure other than those listed:

• 75% CFAR reimbursement if your travel is booked through CAA Travel.
• 50% CFAR reimbursement if your travel is booked through another provider.

While trip cancellation covers any issues that happen before you leave, trip interruption covers issues once you’ve already left home.

Trip interruption insurance covers issues, such as:

• A missed connection due to bad weather, road delays or a road accident.
• A medical emergency back home.

CAA also offers Interruption For Any Reason insurance up to $2,500, that covers you for any reason outside of your policy to the following limits:

• 75% IFAR reimbursement if your travel is booked through CAA Travel.
• 50% IFAR reimbursement if your travel is booked through another provider.

For travellers under age 60, CAA Travel Insurance will not pay any claims due to any sickness, injury or medical condition that is not stable in the three months before your departure date (and for travellers age 70 to 84, your condition must be stable for six months), unless you purchase the Pre-Existing Medical Condition rider that reduces the waiting period to seven days and covers to a maximum of $200,000.

Here’s how this add-on could affect your premium cost:

For travellers under age 60, CAA Travel will also not cover any lung condition if in the three months prior to departure you received treatment with Prednisone.

For travellers age 60 to 84, CAA Travel will also not cover any lung condition if in the three months prior to departure you received treatment with prednisone, or any heart conditions if you had heart bypass or valve surgery more than eight years prior to the departure date; if you were taking three or more medications for your heart; you were diagnosed or treated for a heart condition, diabetes and high blood pressure; or you were prescribed or are taking medication for heart failure.

There are a number of scenarios not covered by travel insurance and it’s critical to know what not to do before you make a claim only to be told you’re on the hook for all associated costs. The following are some of the most common issues not covered by travel insurance:

• A claim against an unstable pre-existing medical condition. CAA defines a condition as unstable if you have sought medical treatment for that condition, if new or existing symptoms appear or there has been a change in medication or the dose you take.
• Ongoing medical treatment or services. Your coverage treats the emergency then gets you back to Canada for further treatment. The emergency medical coverage does include medical follow-up in Canada.
• Non-emergency, experimental or elective treatment, including cosmetic surgery, chronic care or rehabilitation.
• Pregnancy (other than unexpected complications) or a child born on a trip.
• Injury or illness as a result of alcohol or drug abuse.
• High risk activities, such as being in the air (balloon, kite balloon, paraglider, parasail, parachute, kite, wingsuit, etc.), unless you’ve purchased the Adventurous Air Activities rider.
• Travelling against medical advice or not following medical advice in regards to treatment.
• Travelling to get medical treatment, included diagnosis, palliative care or alternative therapy.
• Suicide or attempted suicide, or any self-inflicted injuries.
• Travelling after the Canadian government issues a “Avoid non-essential travel” or “Avoid all travel” advisory.
• Any professional sports, unless you purchase the Sport & Speed rider.
• Air ambulance services, unless approved in advance.
• Damage to or loss of contact lenses or prosthetic teeth or limbs.

Due to high call volumes, CAA recommends you file your claim online or by email. You can file a claim online 24/7 by logging into your account via CAA’s partner Global Excel Management. You can also visit the CAA website and download your appropriate claim form. Depending on the kind of claim, you will also need to provide supporting documentation. For example, for a claim on your baggage insurance for a theft, you’ll need to submit a report from the police. After the claim is submitted, you will receive an email confirmation with your case number.

Frequently Asked Questions (FAQs)

Does caa travel insurance pay for medical costs upfront.

Yes, in most cases CAA will pay hospitals, physicians and other medical providers directly. However, the insurer notes that some providers require direct payment. In that case you will be reimbursed for “reasonable and customary costs.”

Does CAA Travel Insurance cover COVID-19?

It depends. You are eligible for the $5 million emergency medical coverage if you’re fully vaccinated and $2.5 million if partially vaccinated for any COVID-19-related illnesses that occur while travelling.

Does CAA Travel Insurance offer coverage extensions?

Your coverage is automatically extended for five days due a travel delay due to inclement weather or mechanical failure, or a sudden and unforeseen illness. If you are hospitalized, your coverage is extended for the period of hospitalization, plus five days after discharge. You can also request an extension if you want to stay longer provided you apply before the expiry date of your policy and you haven’t made any claims.

Does CAA Travel require a medical questionnaire?

Yes. Travellers age 60 and over must complete a medical questionnaire that asks questions such as: Have you visited the emergency room more than once in the last 12 months, have you been a smoker in the last five years, have you had surgery in the last 12 months and have you received treatment or medication for cardiovascular conditions, diabetes, cancer, neurological conditions or respiratory conditions. If it’s discovered that you do not answer the questions truthfully, you’ll be responsible for the first $5,000 of any claim.

Does CAA Travel Insurance have any age restrictions?

Yes. Medical + Trip coverage is available to travellers age 84 and under. Trip Only coverage is available at any age.

Fiona Campbell is a Staff Writer for Forbes Advisor Canada. She started her career on Bay Street, but followed her love for research, writing and a good story into journalism. She is the former editor of Bankrate Canada, and has over 20 years of experience writing for various publications, including the Globe and Mail, Financial Post Business, Advisor’s Edge, Mydoh.ca and more.

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• 5 mars 2024 | Communiqué de presse Nomination au conseil d’administration de CAA-Québec

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By engaging in business with us, you consent to the collection and use of your personal information, as well as that of the individuals you represent, by CAA-Quebec, its affiliates and partners.

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• allowing you to enjoy all the benefits and privileges that are reserved for members when you first become one.

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• send you invitations to take part in events or contests.

Your personal information may be communicated to a person associated with your account or to a CAA-Quebec supplier or partner, such as when CAA-Quebec acts as a sales intermediary (for insurance or travel), and to technology solution providers, including providers outside of Quebec.

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You can access and correct your personal information. You also have the option of withdrawing your consent for specific uses through your Member Account, either by following the steps outlined in our Privacy Policy or by sending a request at any time by calling 1-800-686-9243.

For further details, please refer to our Privacy Policy at caaquebec.com/privacy .

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Looking for assistance while travelling? Need to file a claim?

Medical problem while abroad, lost baggage, reimbursement request for a cancelled or interrupted trip… If you experience one of these situations, or any other problem covered by your insurance, you should instead contact the insurer’s 24-hour assistance team .

See how to contact them depending on your situation and the country you are currently in.

Assistance and claims

Discover the benefits of CAA‑Quebec Travel Insurance

• Emergency medical care (up to $5,000,000)
• Trip cancellation and interruption insurance (up to $40,000 or more!)
• COVID-19 coverage 1
• Coverage in case of quarantine 1
• Emergency return trip coverage to Quebec available with all products that include trip  cancellation 2
• See a doctor for a minor problem from wherever you are (telemedicine) 3
• Family premium: insuring children is often free 4
• Coverage for transferring your children back home or for childcare in the event that you are hospitalized
• Emergency veterinary care for your pets

Take advantage of discounts on CAA-Quebec Travel Insurance

10% discount.

Exclusive discount for members

Save up to 20%

for anyone purchasing an explore trip 5

for groups of 10 or more 5

Save up to 45%

when you add a deductible

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When it comes to travel insurance, as with any insurance, it’s a good idea to shop around.

Do I need trip cancellation and interruption insurance?

Even the best-prepared trip can be waylaid unexpectedly.

1. Exclusions and limitations apply if a Government of Canada advisory to avoid non-essential travel or all travel is in effect for your destination prior to your departure.

2. If you have to make a return trip to Quebec and back to your travel destination because of an emergency at your primary residence, or if a member of your immediate family who is not travelling with you is hospitalized for an emergency or dies, BounceBack covers your round-trip economy-class transportation expenses up to a maximum of $2,000.

3. CAA Travel Assistance is provided by Global Excel. Virtual Emergency Medical Assistance availability may vary depending on geographical locations and current emergency medical condition. In-Province virtual assistance is limited to four (4) calls per insured per policy term.

4. Family Coverage is available for 3 or more family members insured under one policy. Premium calculation for Emergency Medical Plans equals 2 times the premium of the eldest traveller and 2.75 times the premium of the eldest traveller for the Vacation Package Plans. Family pricing is not available for Trip Cancellation and Interruption Plan.

5. The 20% discount is the 10% discount for CAA-Quebec members plus an exclusive 10% discount for people who purchase explore packages. Discounts may also be applied separately. Other restrictions apply.

CAA‑Québec Assurances refers to Cabinet en assurance de personnes CAA‑Québec, firm in insurance of persons. The travel insurance products offered to CAA‑Quebec members and to the clients of its affiliates in Quebec under the name Assurance voyage CAA‑Québec are underwritten by Echelon Insurance doing business under the name Orion Travel Insurance and distributed by Cabinet en assurance de personnes CAA‑Québec. They are also offered by Voyages CAA‑Québec as part of its travel agency activities.

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Vacation Package² (Emergency Medical + Trip)

Are you planning an international or Canadian trip and looking for comprehensive coverage that includes medical emergencies, trip cancellation or interruption, lost baggage and travel documents like your passport or visa? Our Single Trip and Multi-Trip Package plans got you covered.

Emergency Medical³

Enjoy peace of mind while traveling with our Medical coverage. Whether you fall sick, get injured or need COVID protection, we've got you covered. Our plans also include emergency hospital transportation, accommodations, dental treatments and more. We offer Single Trip and Multi-Trip plan options too.

Trip Cancellation and Interruption (Trip Only)

Change of plans? No worries. Travel with confidence knowing that we have your back, even when your plans don't work out. Our Trip Cancellation and Interruption coverage will ensure that you don't lose your hard-earned money.

Visitors to Canada

Do you have loved ones visiting Canada? Whether it’s a friend or a family member, we have a medical plan that suits their needs. This coverage offers emergency medical and dental coverage, family transportation, medical repatriation and more.

Top-up, Extension Plans and Riders

Staying in Canada longer than expected? No problem! We offer Top-up and extension plans to keep you protected throughout your extended stay. Check out our various riders for additional coverage, so you can travel with confidence.

Why travel insurance is a good idea.

Here are the top three reasons.

Comprehensive coverage can safeguard you and your trip investment from costly out-of-pocket expenses

Your credit card, employee benefits and Government Health Insurance Plan (GHIP) won’t cover everything

You can get coverage for pre-existing medical conditions

Why choose CAA Travel Insurance?

We offer reliable coverage options and exceptional service to help you travel worry-free. Whether you're planning a trip within Canada, across the U.S. border, or around the world, keep in mind that provincial health plans may not cover all your medical expenses in case of an accident or illness, leaving you to pay out of pocket. But with CAA Travel Insurance, you can rest assured knowing that you have the support you need.

Easy and convenient

Get a quote and buy online in less than five minutes or speak with one of our experienced CAA Travel Consultants in-store or by phone at 1-844-647-8723 .

24/7 service

Whenever you need us, we’re just a phone call away. Taking care of the details is at the heart of what we do.

Coverage for all

Member or not, you can expect great coverage options for you and your family (including your pets). But Members save 10%!* View our policy guide .

Canada’s #1 Most Trusted Brand

We are consistently ranked one of Canada’s Most Trusted brands by the Gustavson Brand Trust Index.

Need assistance when travelling?

If you are currently travelling and require immediate assistance, please call 1-855-849-1638 in Canada and mainland U.S. or call 1-519-251-4051 collect from anywhere else.

Existing customer?

Get the answers you need about your insurance coverage and how to renew.

The content on this website includes links to our partners and we may receive compensation when you sign up, at no cost to you. This may impact which products or services we write about and where and how they appear on the site. It does not affect the objectivity of our evaluations or reviews. Read our disclosure .

CAA Travel Insurance Review for 2024: Rates, Plans, and More

Written by Enoch Omololu, MSc (Econ)

Published: September 15, 2023

Savvy New Canadians content is vigorously reviewed for accuracy by our team of qualified fact checkers.

Travel insurance is one of the things you should seriously consider whenever you travel overseas.

Even a small accident in the USA or another country could cost tens of thousands of dollars in medical bills, and it’s just not worth the risk.

Read my review of CAA Travel Insurance to find out what it covers, the pros and cons, and how it compares with other options like Blue Cross and Allianz travel insurance.

Key Takeaways

• CAA Travel Insurance provides several types of coverage for travellers.
• It covers medical emergencies, trip cancellation, medical repatriation, and more for travellers up to 84 years old.
• While it is a trusted company with a long reputation, you should always compare insurance quotes with other providers before deciding.

What is CAA?

CAA, also known as the CAA Club Group, has provided Canadians with insurance for over 115 years.

It offers several products and services, including roadside assistance, car insurance, and travel insurance.

It is the largest not-for-profit automobile association in Canada, with over two million members in South Central Ontario and 200,000 members in Manitoba.

Its travel insurance plans cover most of the things you will need when you travel outside your province or outside of Canada.

While you can get a 10% discount if you are a member, you don’t have to be a member to buy a policy.

What Does CAA Travel Insurance Cover?

CAA Travel Insurance offers several different travel insurance products covering slightly different things.

For a start, you can choose from single-trip or multi-trip insurance depending on whether you want coverage for one trip or several trips in the same year.

One of the main things it provides is emergency health insurance. If you need medical treatment while overseas, it provides up to $5 million in coverage for medical repatriation, medical emergencies, dental emergencies, COVID-19 treatment, and more.

It also offers trip cancellation or interruption. This provides assistance should you have to cancel your trip and can help reduce the costs of accommodation, transportation, etc.

You can also get extras like baggage protection should you lose your belongings or they are stolen.

If you need assistance while travelling, you can call the CAA Travel insurance phone number provided in your policy documents.

What Does CAA Travel Insurance Not Cover?

Coverage limitations depend on the policy details, but one thing to be aware of is pre-existing medical conditions.

When you get a quote, you will be asked about this. You can add Pre-Existing Health Condition coverage, which provides $200,000 for an unstable pre-existing condition.

This requires that your condition be stable for seven days before the trip instead of the normal three or six months.

Also, be aware that medical coverage is only for travellers aged up to 84. If you are over 60, you must complete a medical questionnaire before getting a quote, but there is no age limit for Trip Only coverage.

CAA Travel Insurance Plans

CAA Travel Insurance offers four different plans you can choose from based on what you need:

Emergency Medical Insurance

This plan provides you with coverage for medical emergencies while you are travelling. You can choose between travel within and outside Canada and single-trip and multi-trip coverage.

It provides a maximum of $5 million in coverage for emergency treatment, dental expenses, medical repatriation, and COVID-19 protection. It also includes Virtual Emergency Medical Assistance.

Trip Cancellation and Interruption Insurance

This plan provides coverage for cancellations and trip interruptions should you need to make changes. It covers prepaid expenses, lost or delayed luggage, and other situations should you need to cancel due to illness, stolen travel documents, cancelled business meetings, and more.

It also covers disruption to your trip due to weather conditions, strikes, and other situations.

Vacation Package Insurance

This is essentially a combination of the above two policies. This is a good choice if you want to travel with peace of mind knowing that you are covered for medical emergencies, trip cancellation, and more. It is also available as a multi-trip option.

Visitors to Canada

This is a slightly different plan that provides coverage for visitors to Canada instead of Canadians travelling outside of their province or the country.

It has a minimum deductible of $50 and provides from $25,000 to $150,000 in coverage for emergency medical treatment and medical repatriation, among other things.

CAA Travel Insurance Rates

There are no specific pricing tables for CAA Travel Insurance, but I’ve found its premiums reasonable.

The rate you will pay will depend on the type of insurance, the length of your trip, your age, and other factors.

With travel insurance, you should get a personalized quote for your needs. That’s why even though I like CAA Travel Insurance, I always recommend shopping around before making your decision.

What Factors Affect the Cost of CAA Travel Insurance?

The cost of CAA Travel Insurance is affected by the length of your trip, your age, the type of coverage you want, the destination, and any add-ons you choose.

For example, for a 44-year-old traveller from Ontario going to the United States for one week requiring Emergency Medical coverage and with no pre-existing medical conditions, the cost is currently $41.68.

There is a 10% discount for members, making the discounted price $37.51.

This provides $5 million in emergency medical coverage, and you can then add extras as needed:

• If you add the Adventurous Air Activities option, the cost rises to $52.10.
• For the Sports and Speed option (for professional sporting events), the cost increases to $229.24.
• If you add a $300 deductible, the premium is reduced to $37.51.

How to Get a Quote for CAA Travel Insurance

Getting a quote is quick and easy at CAA Travel Insurance. Just visit the Travel Insurance page , and from here, you can choose from the four policy types and then begin the process.

You will need to provide information about:

• Where you live
• Where you are going
• Travel dates
• Your date of birth
• Details of other travellers
• Any health conditions you have

You will then see a review, and you must confirm that you have read the Privacy and Eligibility statements to get your quote.

You can then update the details by adding Adventurous Air Activities and other add-ons. Then, either purchase your policy or save your quote.

Pros and Cons of CAA Travel Insurance

• Clear and quick process to get a quote via the website.
• Coverage is available for pre-existing medical conditions.
• Long history and trusted provider.
• Provides insurance for travel all over the world.
• Selection of travel insurance plans to choose from.
• Savings are available for CAA members.
• 24/7 customer service.
• Discounts are only available for members.
• Need to fill out a medical questionnaire if you are over 60.
• No insurance is available for travellers aged over 84.

Other Travel Insurance Providers

Here are some of the other travel insurance providers I recommend you check out when you are planning your next trip:

Blue Cross is a popular choice for Canadian travellers. It provides several plans and coverage options, and these are different based on your province.

It provides up to $5 million in emergency medical coverage, and you can choose the specific benefits you want, like baggage cover, trip cancellation, etc.

Allianz travel insurance is another popular option that provides a wide range of plans offering all the essential types of coverage.

You can choose from plans providing emergency medical coverage and cancellation, and there is even a plan where children aged 17 and under get free coverage.

World Nomads

World Nomads is a well-known travel insurance provider for residents of many countries, including Canada.

It covers many outdoor activities like bungee jumping and rock climbing, making it popular with backpackers and adventurous travellers. You can even extend your coverage while travelling, making it a flexible option.

Is CAA Travel Insurance Worth It?

I find CAA Travel Insurance to be an excellent option for travellers. The company has a long history, and the comprehensive insurance covers most of the things you will need when you travel.

That being said, always shop around. There are lots of travel insurance providers in Canada , and you may find better coverage for less elsewhere. So, get a few quick online quotes to explore your options further.

CAA is a well-established company with a long reputation, and all its insurance products are reliable.

CAA’s travel insurance products are underwritten by Orion Travel Insurance Company.

CAA Insurance has been operating for over 115 years, so it has a long history and is a trusted brand.

After getting a travel insurance quote from CAA, you can choose to add a deductible to reduce the premium.

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Enoch Omololu, MSc (Econ)

Enoch Omololu, personal finance expert, author, and founder of Savvy New Canadians, has written about money matters for over 10 years. Enoch has an MSc (Econ) degree in Finance and Investment Management from the University of Aberdeen Business School and has completed the Canadian Securities Course. His expertise has been highlighted in major publications like Forbes, Globe and Mail, Business Insider, CBC News, Toronto Star, Financial Post, CTV News, TD Direct Investing, Canadian Securities Exchange, and many others . Enoch is passionate about helping others win with their finances and recently created a practical investing course for beginners . You can read his full author bio .

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1 thought on “CAA Travel Insurance Review for 2024: Rates, Plans, and More”

We have bought CAA insurance for years. We went on a cruise with my Dad. 6 days into the cruise, my Dad got sick with Encephalitis. That was Dec 1st. He was hospitalized till Dec 18th till the insurance flew him back private. He was in the hospital here for 2 months and is now in a rehabilitation center. It is Feb 27 and they still haven’t paid a cent!

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