Why Comprehensive Coverage Is Essential for Travellers

As you compile your travel checklist for your dream vacation, don’t forget to prepare for the unexpected. CAA Travel Insurance¹ can ensure you have travel insurance coverage tailored to your needs, so you can enjoy your trip with peace of mind.

Consider the value of comprehensive coverage by unravelling three common misconceptions that may leave gaps in your insurance protection.

1. Employer and pension benefits. Most employers only provide medical coverage which does not include comprehensive benefits. This falls short by excluding protection for issues like lost baggage and trip cancellation and interruption. Additionally, your employer or retiree medical insurance may have lifetime limits and you might need to pay bills upfront then file a claim for reimbursement.

2. Credit card coverage variations and limitations. Credit card coverage varies widely, with restrictions and limited perks. It may exclude trip cancellation or interruption insurance, impose age limitations such as excluding those over age 65, and might apply only when using the specific card.

3. Provincial health care coverage gaps. While a government plan provides basic coverage within Canada, it doesn’t cover everything. Government bodies highly recommend purchasing supplementary travel insurance for out-of-province travels, even within Canada. This ensures you’re protected for emergency medical expenses, ambulance services, prescription drugs and more.

Travel your way with comprehensive coverage.

Travel insurance is a customizable shield against the unforeseen. Ensure your policy covers upfront payments, avoids lifetime limits and age restrictions, and includes medical coverage and transportation.

Comprehensive coverage can be purchased and will fill any gaps that other types of coverage may leave. As you plan your next adventure, explore the options that best suit your needs.

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

CAA² 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). Certain exclusions, limitations and restrictions apply. Subject to change without notice. A Medical Questionnaire is required if you are 60 years of age and older. 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, Global Excel Management Inc.

²Please 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. Certain conditions, limitations and underwriting guidelines apply.

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