CAA Travel Insurance1 offers comprehensive coverage options that exceeds what your credit card may provide, ensuring you travel with confidence.
Know your coverage. Travel with confidence.
Not all credit card travel insurance coverage is created equal. It’s important to contact your credit card company before you travel to find out what type of coverage your credit card provides (emergency medical, trip cancellation and interruption insurance, for example) and if you’re eligible for coverage.
Knowing the right questions to ask isn’t always easy. Use this detailed checklist to help guide you when you call your credit card company. This list of questions will help ensure that you have a clear understanding of what you may or may not be covered for.
What do I need to know about my coverage?
Do I need to pay for my travel with my credit card to be covered for travel insurance (emergency medical, trip cancellation and interruption benefits)?
Who is covered under my credit card’s travel insurance policy?
How many days of coverage are included?
Emergency Medical Insurance
Can I top up/extend my policy?
Will my medical expenses be paid up front if I make a claim?
What is the stability period for pre-existing medical conditions?
Is there an age limit for medical coverage?
What is not covered under my credit card’s travel insurance policy? (These are called “exclusions”)
Does the policy have a deductible that you must pay for each claim?
Does the policy deny benefits if your medical emergency arises because of a health problem you already had when your trip started? (This is called a “pre-existing medical condition”)
Does the policy require you to determine – by yourself – whether you meet the insurance company’s health standards before you can buy?
Are there specific policy exclusions that pertain to sports or other activities?
Trip Cancellation & Interruption Insurance
What is the amount payable for a trip cancellation and interruption claim?
When cancelling a trip, what circumstances will I be covered for?
Would the policy allow me to cancel for any reason and get reimbursed?
Emergency Medical Insurance
Emergency medical coverage up to $5 million CAD2
Medical Multi-trip Plans include 4, 8, 15, 30 and 60 day options3
Top-up coverage available for longer trips on multi-trip plans
Unlimited coverage when you travel within Canada
CAA covers most pre-existing medical conditions that are stable prior to travel4
Deductible options offer additional savings
Trip Cancellation & Interruption Insurance
Vacation Package Plans - includes Emergency Medical, Trip Cancellation & Interruption and Baggage Insurance or coverage
Stand-alone Trip Cancellation & Interruption Insurance available
Multi-trip Vacation Package Plans include 4, 8, 15, and 30 day options5
30 reasons to cancel or interrupt and get reimbursed in full
BounceBack coverage - covers your emergency trip home and return to destination
Terms and Conditions
1 CAA 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 bcaa.com/wordings. 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 Up to $5 million CAD. Maximum $25,000 for all Emergency Medical Insurance benefits for Canadian residents without active Government Health Insurance Plan (GHIP); and/or without GHIP authorization to cover trip days in excess of 212 days in Ontario in a 12-month period.
3 Emergency Medical Insurance – Multi-trip Plans cover 4, 8, 15, 30 or 60 days per trip depending on the plan you purchased. Top-Up coverage is available for longer trips. Coverage cannot extend beyond 365 days from departure date or effective date.
4 All pre-existing medical conditions must be stable within 7 days prior to departure. Certain exclusions, limitations and restrictions apply.
5 Vacation Packages Plan – Multi-trip covers 4, 8, 15, or 30 days per trip depending on the plan purchased. Top-Up coverage is available for longer trips. Coverage cannot exceed 365 days from departure date or effective date. There is a maximum travel coverage of 63 days including Top-Up for travellers aged 60 to 84 years of age.
6 Applies to CAA Members in good standing with dues paid in full by membership expiry date. 10% savings applies to the total premium excluding applicable taxes. Minimum premium applies. Excludes Visitors to Canada Insurance.