Is CAA Health Insurance Worth It? 2024 Review
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Discover the methodologyDid you know that over 30% of medical costs in Canada are not covered by your provincial healthcare? Most families end up paying this out of the pocket leaving them with a huge financial burden. That's why it's essential to have a good private health insurance.
Among the many insurance providers in the country, CAA Health Insurance is one of the options you could consider. But is it the right choice for you?
In this review, we take you through the various plans, coverage, and pros and cons of CAA Health Insurance, so you can decide if it's the best option for you. You also get to compare CAA with other health insurances and get quotes tailor-made for you using our free comparator.
CAA Health Insurance: 6 key takeaways
- CAA offers mix-and-match plans for personalised coverage.
- Get discounts when bundling health and dental insurance.
- It partners with Manulife for flexible health insurance plans.
- Coverage options include basic and comprehensive plans.
- The Maple Virtual Healthcare app offers online consultations and prescriptions.
- Compare and get quotes from different health insurances using HelloSafe comparator.
Our CAA health insurance review: The best bundling discounts
The CAA, or the Canadian Automobile Associate, was founded more than 115 years ago. It is one of the largest not-for-profit automobile associations in Canada. It also offers insurance packages, including private health insurance.
CAA has partnered with Manulife health insurance for over 20 years, allowing them to offer pre-packaged plans mix and match plans tailored to your specific health needs. They have a 30-day guarantee where if you are not satisfied with the coverage, you may request a refund within 30 days of receiving your policy.
This provider is a choice for you if you do not have health benefits through your employer, you are losing your group coverage, or if you would like to mix and match prescription and dental coverage. Note that you must have provincial or territorial health and drug coverage to apply for personal health insurance
Pros
- Ability to mix and match plans
- Discounts are available when you bundle health and dental
- 30-day refund policy
- Partnership with Manulife
Cons
- No online claims submission
- Some CAA health insurance reviews have cited long wait times for dental treatment
Before you jump into a decision, it's important that you compare health cover policies from multiple insurances. You could simply do that by using our comparator below and get quick quotes from Canada's best health insurances.
Compare The Best Health Insurance Plans and Rates on the market!
What is the cost of CAA health insurance?
A Basic Extended Healthcare policy including basic drug and dental coverage for a 32-year-old single, non-smoker male in Ontario would cost $103.45 per month.
The quote will vary from individual to individual. CAA will weigh a number of factors to determine your premium such as:
- age
- gender
- drug and dental benefits chosen
- the number of lives on your plan (individual, family, etc.)
- smoker status
To make sure you are getting the best plan for the best price, you must first establish what you want from your health insurance policy. Take a look at the table below to see some of the variables affecting pricing.
| Non-smoker, Ontario* | Basic Extended Healthcare | Enhanced Extended Healthcare |
|---|---|---|
| 30-year-old man | $36.95 / month | $142.90 / month |
| 50-year-old man | $41.25 / month | $202.85 / month |
| 30-year-old woman | $36.95 / month | $142.90 / month |
| 50-year-old woman | $41.25 / month | $202.85 / month |
*this assumes that the purchaser is covered by the Ontario provincial health plan (OHIP)
Good to know
The price of health insurance varies greatly between insurers. Your health history, age, the coverage options offered, your province, and more affect pricing. Use our comparison tool to get personalized health insurance quotes, all anonymously.
How do the bundling discounts work?
Bundling CAA Insurance products can save you money. You need an active CAA Term Life or CAA Health & Dental Insurance plan, plus one additional plan from a different product line (Term Life, Health & Dental, Home, or Auto Insurance).
You can save 10% on premiums for both Term Life and Health & Dental when bundled. Alternatively, you can save 10% on CAA Term Life premiums or CAA Health & Dental premiums when bundled with Home or Auto Insurance.
What does CAA health insurance cover?
CAA health insurance offers both basic and comprehensive plans which also allow you to mix and match dental and drug coverage.
To begin building your plan, you first select which health plan suits your health needs:
- Basic Extended Healthcare
- Enhanced Extended Healthcare
Then you can select your drug and dental benefits. Here are some examples of plan choices available to you and what benefits they provide.
| Treatment | Basic health & enhanced dental coverage | Enhanced health & dental coverage | Basic health care & enhanced dental coverage |
|---|---|---|---|
| Health Care | Up to $400 per year per registered specialist, such as massage therapists and chiropractors | Up to $800 per year per registered specialist, such as massage therapists and chiropractors | Up to $400 per year per registered specialist, such as massage therapists and chiropractors |
| Prescription Drugs |
|
| |
| Dental | 80% coverage for basic services up to $900 per year | 80% coverage for basic services up to $900 per year | 80% coverage for basic services up to $900 per year |
| Vision | |||
| Hospital Stays |
You could find more information on the sample policies offered by CAA in this pdf:
What types of health insurance does CAA offer?
CAA allows customers to mix and match the healthcare coverages which interest them or to choose between two pre-packed policies: Basic Extended Health Care and Enhanced Extended Health Care.
We have laid out the differences between these policies in the table below:
| Coverage | CAA Basic Extended Health Care | CAA Enhanced Extended Health Care |
|---|---|---|
| Lifetime Maximum | $250,000 | $350,000 |
| Ambulance Services | ||
| Registered Specialists | $400/year | $600/year |
| Optometrist Visit | $60/2 years | $60/2 years |
| Accidental Death and Dismemberment | ||
| Psychologists | $80 first visit, $60 for other visits | $80 first visit, $60 for other visits |
We recommend that you compare plans and policies from different health providers before making a decision. All you need to do is use our free comparator below and get instant quotes from Canada's best health insurances and all while maintaining your anonymity.
Compare The Best Health Insurance Plans and Rates on the market!
How can I get CAA travel health insurance?
CAA offers three travel health insurance plans: Emergency Medical + Trip, Medical, and Trip. The CAA health insurance travel has to be bought separately and not as an add-on to your primary health insurance policy.
The Emergency Medical + Trip plan provides comprehensive coverage for medical emergencies, trip cancellation and interruption, lost baggage, and more. It includes hospital accommodation, physician fees, prescription drugs, and emergency dental treatment.
The Medical plan is for medical emergencies during travel, offering hospital accommodations, physician fees, lab tests, and ambulance services. The Trip plan covers trip-related protection like trip cancellation insurance, baggage insurance, and travel accident insurance.
Family coverage is available for three or more members, including spouse, children, and grandchildren. Surprisingly, CAA extends coverage to pets in case of hospitalisation or repatriation, with $300 for emergency veterinary care.
Good to know
CAA out of province health insurance: CAA offers out-of-province medical coverage as part of their travel plans. CAA's out-of-province health insurance provides additional coverage to protect you against unexpected medical emergencies, evacuation, trip interruption, baggage loss, and 24/7 travel assistance.
What extras does CAA health insurance offer?
CAA offers a choice of drug coverage add-ons that you can purchase to keep the cost of fulfilling your prescription low. We have laid out the drug plans and what they cover in the table below.
| Coverage | Drug Plan 1 | Drug Plan 2 | Drug Plan 3 |
|---|---|---|---|
| Generic Drugs | 70% | 75% | 90% |
| Dispensing Fees | $6.50 | 100% | 100% |
| Medical Questionnaire Required |
There is also dental insurance offered by CAA which we have gone into in detail about in the section below. Getting dental care is particularly important given that most provincial health programs like the Ontario Health Insurance Plan and the MSP in BC do not offer comprehensive protection for dental health which can be quite expensive without insurance.
What does CAA dental insurance cover?
CAA offers supplementary dental plans that you can add to your health policy. When you sign up for a health insurance plan with CAA, you choose between one of three plans which provide partial or full coverage for all types of dental procedures. Knowing the difference in the dental coverage you can choose between each plan is important.
The Dental 1 plan will cover preventative treatment like:
- dental exams and diagnosis
- tests, x-rays
- lab exams
- fillings
- scaling
- extractions
With the Dental 2 plan, you will get more of your preventive dental-care expenses reimbursed than the Dental 1 plan. The most comprehensive plan, Dental 3, adds preventative treatment, restorative treatment and orthodontics (braces). We have laid out the differences between the dental plan options in the table below.
| Coverage | Dental 1 | Dental 2 | Dental 3 |
|---|---|---|---|
| Ongoing Maintenance | 70% of eligible expenses up to:
| 80% of eligible expenses up to:
| 80% in year 1 and 100% in subsequent years up to:
|
| Specialized | 60% of eligible expenses up to:
| 60% of expenses in years 1 and 2 and 80% of expenses in subsequent years up to:
| |
| Restorative |
| ||
| Check-ups | Every 9 months | Every 9 months | Every 6 months |
How to get CAA health insurance?
To get a CAA health insurance quote you can head to the CAA health insurance website and choose from one of their pre-packaged options or mix and match your own.
You will be asked for details of your age, sex and medical history. Alternatively, you can call and speak to a representative directly at 1-844-538-7454 between 8:00 am and 8:00 pm EST.
Also know that CAA health insurance Ontario might be different from CAA health insurance Saskatchewan or CAA travel health insurance Manitoba. So it's important to keep in mind while viewing and comparing policies.
Before signing up for coverage with CAA, why not compare options from leading insurers? You could use your comparator to quickly get pricing, quotes, and coverage from Canada's best health insurances, and in no time.
Compare The Best Health Insurance Plans and Rates on the market!
CAA health insurance login
Use your username or membership number to access your personal profile on the CAA website. This will allow you to check up on how long you have left on your policy, your specific coverages and if you have any upcoming payments to make.
CAA health insurance app
CAA members have access to the Maple Virtual Healthcare app which offers 5 free consultations per year. The Maple Virtual Healthcare app offers 224/7 online healthcare, allowing you and your family to consult general practitioners and manage health from the comfort of your home or on the move.
We have set out the benefits of Maple Virtual Healthcare in the table below:
| Offers | Detail |
|---|---|
| 24/7 Service | Round-the-clock access to licensed doctors and medical professionals |
| Digital prescriptions | Have your medicines delivered to your door with Pocket Pills or pick up at your local pharmacy |
| Family coverage | Add your partner and dependents to your account for free |
| Shared medical records | Share online prescriptions with your local doctor |
| Specialist referrals | Get referrals to healthcare specialists |
Watch out!
Some Maple Virtual healthcare services charge a fee.
CAA health insurance customer service
You can contact CAA customer service at 1-877-261-8222. They are available Monday through Friday from 8:00 am to 8:00 pm ET. Alternatively, you can fill out a contact form on the website by going to the bottom of the homepage and hitting the Contact Us button. This will take you to a form. Remember to have your policy number to hand.
How to cancel health insurance CAA?
You can cancel your policy by calling a CAA representative at 1-800-268-3750. Lines are open Monday to Saturday from 8:00 a.m. to 8:00 p.m. and Sunday from 9:00 a.m. to 6:00 p.m
How to file CAA health insurance claim?
To file a claim, you can do it online by logging into your CAA health account on the web portal. Fill this claim form and submit it with relevant information. You will be asked to provide supporting documents in the form of receipts or invoices for your claims to be processed.
After submitting the claim, CAA will review and process your claim. This may take some time, depending on the complexity of the claim and the volume of claims being processed.
You could also call 1-866-432-2881 from Monday to Friday, from 8 a.m. to 8 p.m. ET for any claim related request you may have. In case of email, you can write to them at [email protected].
