Six Misconceptions About Travel Insurance

Whether you’re travelling within Canada or exploring overseas, it’s a good time to consider travel insurance.

Here, we debunk myths about coverage you may need.

Myth 1. You’re covered under your Government Health Plan.

Your Government Health Plan may not cover all your emergency medical expenses—even if you’re travelling in Canada.

Myth 2. Your credit card coverage is sufficient.

Many credit cards only cover trip interruption and baggage loss, may have limits on how much travel insurance they provide and may not cover people over 65 years old. Review your credit card plan carefully and consider an additional policy to fill in any gaps.

Myth 3. Airlines will reimburse you for expenses.

Airlines rarely cover the cost of an unused hotel room due to flight delays. Vacation package insurance often includes trip cancellations and interruption to cover it, as well as delayed or lost luggage, giving you an allowance for clothes.

Myth 4. Short trips don’t require insurance.

Don’t convince yourself it’s okay to travel without insurance for just a short trip. Travel insurance will give you the protection you need.

Myth 5. Multi-trip plans are expensive.

A Multi-trip plan covers numerous vacations taken within 365 days of the date of purchase. To cover your bases if you plan to take a few trips anywhere from four to 60 days in one year, CAA Travel Insurance1 offers both a Multi-Trip Medical Plan and a Multi-Trip Vacation Package Plan.

Myth 6. I can just pay out-of-pocket if something happens on vacation.

In some places, medical costs and hospitals can be extremely expensive, and require upfront cash payment. Trip cancellation insurance typically costs 4 to 10% of the total, prepaid nonrefundable trip cost—a small amount compared to losing the entire amount.

Consider CAA Travel Insurance¹ for your next trip.

Get a quote online in less than five minutes. Speak to a CAA Travel Insurance Agent at 1-833-673-3030 or get a quote and purchase online at carp.ca/CAA-travel

CAA Insurance² is CARP’s recommended provider for Auto, Home, Travel, Life and Pet Insurance, as well as roadside assistance.

_{¹CAA Travel Insurance, an Orion Travel Insurance product, is underwritten by Echelon Insurance (except in British Columbia). BCAA Travel Insurance is sold through B.C.A.A. Holdings Ltd. dba BCAA Insurance Agency, a licensed insurance agent and is underwritten by BCAA Insurance Corporation. Insurance claims are administered by Echelon Insurance and its subcontractors, Xodus Travel Services Inc except in BC where insurance claims are administered by Global Excel Management Inc. and all policy terms, conditions, exclusions and limitations can be found in the policy wording at Wordings | BCAA . In Alberta, insurance is sold by AMA Insurance. Certain conditions, exclusions, limitations, restrictions and underwriting guidelines apply. A Medical Questionnaire is required if you are 60 years of age and older. Not all products are available in all provinces. Discounts may vary by province. Coverage description in this email are intended for general information only. In the event of a discrepancy between this email and your policy, the terms of your policy will prevail.
² Please visit carp.ca/caa to see a list of underwriters covering various CAA insurance products.
® CAA trademarks are owned by, and use is authorized by, the Canadian Automobile Association.
The ®AMA and the AMA logo are trademarks owned by the Alberta Motor Association. Logos and trademarks are the property of their respective owners. (1520000-05/25)}