Is CAA health insurance the best for you?

James Rodriguez James Rodriguez  updated on 2022-01-03

Canada’s universal care, while excellent, is not comprehensive. Emergency and preventive care are largely covered, but knowing what is not covered is critical to planning for the worst. 

Around 30% of health expenditures in Canada are privately financed by supplemental insurance (group or individual) or by patients themselves out-of-pocket. This includes dental and vision care and access to prescription medications. 

Are you considering a CAA personal health insurance plan?

This guide details CAA's health and dental insurance plans including price, coverage, reviews and more. 

Who is the CAA?

The CAA, or the Canadian Automobile Associate, was founded more than 115 years ago. It is one of the largest not-for-profit automobile associates in Canada. It has been helping Canadians with a wide variety of products related to automobile services, but also offers insurance packages, including private health insurance.

Our review of CAA health insurance

CAA has partnered with Manulife for over 20 years, allowing them to offer pre-packaged plans mix and match plans tailored for your specific health needs. 

They have a 30-day guarantee where if you are not satisfied with the coverage you purchased, you may request a refund within 30 days of receiving your policy.

CAA health insurance 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 coverages. Note that you must have provincial or territorial health and drug coverage to apply for personal health insurance.

Why CAA may be right for you: 

  • Ability to mix and match plans
  • Discounts available when you bundle health and dental

Why CAA may not be right for you:

  • No online claims submission 
  • Long waiting period for major restorative dental services (braces, dentures, crowns)

Before signing up for a health insurance plan with CAA, compare rates and coverage offerings from the best health and dental plans using our comparison tool. Shop the best plans in seconds without giving up personal details.

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Canada's best health insurance plans

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What does CAA 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 (only applicable with Drug 3)

Then you can select your drug and dental benefits. Here are some examples of plan choices available to you and what benefits they provide. 

TreatmentBasic health & enhanced dental coverageEnhanced health & dental coverageBasic health care & enhanced dental coverage
Health CareUp to $400 per year per registered specialist, such as massage therapists and chiropractorsUp to $400 per year per registered specialist, such as massage therapists and chiropractorsUp to $400 per year per registered specialist, such as massage therapists and chiropractors
Prescription Drugs
  • 70% coverage for generic drugs, to a maximum of $500/calendar year
  • $6.50/prescription for dispensing fees
  • 75% coverage for generic drugs to a maximum of $5,000/calendar year
  • Full coverage of reasonable and customary dispensing fees
Dental 80% coverage for basic services up to $900 per year80% coverage for basic services up to $900 per year80% coverage for basic services up to $900 per year
Vision 
Hospital Stays
Examples of mixed and matched CAA health insurance plans

What does CAA dental insurance cover?

While Canada’s public system covers lots of healthcare needs, access to dental care is not included. Dental care is important to one’s overall health. Since it can be a major expense, too many people skip preventive treatment. That is a mistake, as regular preventive care helps prevent gum disease, which is linked to conditions like heart disease, diabetes and rheumatoid arthritis. Additionally, it can help you to detect other medical complications early.

A supplemental insurance plan can help, here is what CAA offers. 

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. It is important to know the difference in the dental coverage you can choose between each plan. 

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).

PlanDental 1Dental 2Dental 3
Ongoing Maintenance 70% of eligible expenses up to:
  • Year 1: $450
  • Year 2: $550
  • Year 3+: $700
80% of eligible expenses up to:
  • Year 1: $650
  • Year 2: $700
  • Year 3+: $900
80% in year 1 and 100% in subsequent years up to:
  • Year 1: $800
  • Year 2: $900
  • Year 3+: $1,200
Specialized 60% of eligible expenses up to:
  • Year 1: $650
  • Year 2: $700
  • Year 3+: $900
60% of expenses in years 1 and 2 and 80% of expenses in subsequent years up to:
  • Year 1: $800
  • Year 2: $900
  • Year 3+: $1,200/year
Restorative 
  • 60% of expenses beginning in year 2
  • Major restorative has a maximum of $750 for every 3-year period
Check-UpsEvery 9 monthsEvery 9 months Every 6 months 
Comparison of three CAA dental insurance plans

How much do CAA’s health insurance plans cost?

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 benefit 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. 

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. 

Compare coverage and rates of
Canada's best health insurance plans

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How can I get a CAA health insurance quote?

You can request a CAA personal health insurance quote by requesting a quote directly through CAA's website or calling 1-844-538-7454 between 8:00 am and 8:00 pm EST.

Before signing up for health insurance coverage with CAA, use our insurance comparison tool to compare quotes and coverage options.

How can I connect to my client space?

You can register to create an account with CAA which will give you access to your personal portal.

How can I make a claim with CAA?

To make a claim with CAA, call 1-800-268-3763 or submit your claim online.

How can I cancel my CAA health insurance plan?

You can cancel your CAA health insurance plan by mailing written notice to the insurer's head office. If cancelled with the first ten days, you will be fully refunded.

How can I contact CAA?

You can contact CAA at 1-877-261-8222. They are available Monday through Friday 8:00 am to 8:00 pm ET. 

Can I get travel medical insurance with CAA?

You will have to check your specific plan to know if travel insurance is included. Travel insurance is particularly important in Canada because provincial health insurance plans cover less once you are out of your home province. This can mean unpleasant surprises when you see your bill. Travel abroad and you may not have any access to health care services at all without a plan or paying up-front.

Travelling without proper health coverage can be an expensive mistake. Read HelloSafe's complete guide to travel insurance to learn more.

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