CAA Travel Insurance Review 2024: Updated
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Discover the methodologyLooking for comprehensive travel insurance that caters to all your needs? CAA Travel Insurance offers extensive coverage options including emergency medical expenses, trip cancellation, and interruption insurance. With plans tailored for individuals, seniors, families, and groups, CAA provides up to $5 million in medical coverage, discounts for members, and added benefits like telemedicine, 24*7 assistance, and riders for pre-existing conditions coverage.
Whether you need coverage for a single trip or multiple trips throughout the year, CAA has flexible plans and riders to ensure you're protected on your travels. In this CAA travel insurance review, find all you need to know: What does it cover? What does it cost? Are there discounts can you get? What are its pros and cons? How to file claims? Read on!
CAA Travel Insurance Canada: Key Points
- CAA covers up to $5 million in medical expenses
- CAA travel insurance offers numerous discounts and bonuses
- CAA travel insurance costs on average between $50 and $200, depending on the plan
- 24*7 emergency assistance and customer service for claims
- You get free quotes online and can purchase the policy online too
- You get coverage for your pets
- Get CAA travel insurance for seniors at 20% discount
Our CAA Travel Insurance Canada Review
CAA travel insurance Canada offers four different travel plans:
- Vacation Package (Emergency Medical + Trip)
- Emergency Medical
- Trip Cancellation and Interruption Plans (Trip Only)
- Visitors to Canada Insurance Plan
Each plan includes emergency medical coverage up to $5,000,000, which aligns with offerings from competitors like Blue Cross travel insurance. BCAA travel insurance however offers up to $10,000,000 in coverage.
Additionally, CAA provides trip cancellation and interruption coverage up to $40,000, surpassing some offers like National Bank's, which caps at $5,000 for cancellations. Coverage also includes quarantine and COVID-19 protections, and benefits for child care or repatriation in case of hospitalization, making it a comprehensive option for today's travellers.
CAA also lets you get free quotes and buy a policy online. You can also file claims easily on the website. The inclusion of telemedicine access for minor issues adds extra convenience for travellers. The family premium, where children's insurance is often free, is a significant advantage for families. CAA offers several attractive discounts: 10% off for members, up to 20% for groups of 10 or more, and up to 45% off with the addition of a deductible.
CAA also stands out by including multiple riders to cover pre-existing conditions and adventurous activities which most other insurers do not cover. It provides up to $200,000 for medical expenses related to pre-existing conditions during your trip to ensure you're entirely protected even in the worst situation or emergency.
Further, CAA offers coverage to visitors to Canada including travel insurance for students who can get affordable coverage during their stay, with options from $25,000 to $150,000 with a very low $50 deductible.
Is CAA travel insurance good?
CAA travel insurance is particularly suitable for families and groups due to its many discount options and advantageous family premiums. Frequent travellers will also benefit from the annual insurance, which provides continuous coverage for multiple trips. Additionally, telemedicine options and child emergency benefits make CAA an excellent choice for parents concerned about their family's health and safety while travelling.
Pros of CAA Travel Insurance Canada
- CAA Travel Insurance is available for both single and annual trips.
- CAA medical travel insurance provides up to $5,000,000 in medical expense coverage.
- Family premium option for all insurance plans, ensuring comprehensive coverage for families.
- Access to video conference medicine.
- CAA members get a 10% discount
- Easy to apply for coverage or file a claim online
- Extensive coverage for emergency medical intervention
- 24/7 customer service
- Travel insurance plans specifically curated for the needs of seniors and snowbirds
- Multiple riders for pre-existing medical conditions and adventurous activities
Cons of CAA Travel Insurance Canada
- Special discounts are only available to CAA members.
- CAA travel insurance requires you to answer a medical questionnaire.
- Like most insurers, CAA medical travel insurance does not - for the most part - cover pre-existing medical conditions (such as cancer for instance).
In conclusion, CAA's travel insurance stands out due to its extensive coverage, numerous discount options, and practical services like telemedicine and family premiums. This makes it a particularly advantageous option for families and groups seeking comprehensive protection at a reduced cost. However, we recommend that you carefully shop around and compare your options online before making a decision. Use our free tool below to compare the best travel insurance plans and get free personalized quotes.
Compare the best travel insurance plans on the market!
What does CAA travel insurance cover?
CAA Travel Insurance offers a variety of plans to protect you and your family while travelling, covering medical emergencies, trip cancellations, interruptions, and more. Here are the main travel insurance plans by CAA:
| Coverage Type | Emergency Medical + Trip | Emergency Medical Only | Trip Only | Non-Medical Vacation Package |
|---|---|---|---|---|
| Emergency Medical Coverage | ||||
| Trip Cancellation insurance | ||||
| Trip Interruption Insurance | ||||
| Baggage and Personal Effects insurance | ||||
| Travel Accident Insurance | ||||
| Rider Options | ||||
| Single & Multi-Trip Plan Options | ||||
| Deductible Options |
Below is a detailed breakdown of the different CAA travel insurance plans available to help you choose the best coverage for your needs.
Vacation Package Plans
Full Coverage Plan:
- Includes: Medical emergencies, trip cancellation or interruption, holiday protection, lost baggage, and personal documents.
- Options: Single trip and multi-trip package plans.
- Coverage: Up to $5 million for emergency medical treatment, COVID protection, trip cancellation based on the trip cost, unlimited trip interruption insurance, up to $100,000 travel accident insurance, $1,500 for baggage and personal effects, $500 for baggage delay, $250 for lost documents, and $750 for holiday protection.
Canada Vacation Package Plan:
- Designed for: Those traveling entirely within Canada.
- Coverage: Full coverage against medical emergencies, trip cancellations or interruptions, baggage and travel accidents up to 365 days.
Multi-Trip Vacation Package Plan:
- Includes: Comprehensive coverage for multiple trips outside your province or territory.
- Coverage: Up to $5 million for emergency medical treatment, COVID protection, trip cancellation from $2,000 to $5,000 per trip, unlimited trip interruption insurance, up to $100,000 travel accident insurance, $1,000 per trip for baggage and personal effects (up to $3,000 per policy year), $1,500 for baggage delay per policy year, $200 for lost documents, and $750 for holiday protection.
Non-Medical Vacation Package Plan:
- Designed for: Travelers needing coverage for trip cancellations or delays, baggage, personal effects, and holiday protection.
- Coverage: Trip cancellation based on the trip cost, unlimited trip interruption insurance, up to $100,000 travel accident insurance, $1,500 for baggage and personal effects, $500 for baggage delays, $250 for lost documents, and $750 for holiday protection.
Emergency Medical Insurance Plans
Single Trip Medical Plan:
- Protection against: Unexpected medical emergencies for individual trips.
- Coverage: Up to $5 million for emergency medical treatment, COVID protection, hospital accommodations, lab tests, X-rays, nursing, ground ambulance, emergency dental expenses, medical repatriation, medical follow-up in Canada, vision care, hearing aids, pet care, and kenneling, message center, and urgent message service.
Canada Medical Plan:
- Designed for: Travelers within Canada.
- Coverage: Similar to the single trip medical plan, including virtual emergency medical assistance and house call service.
Multi-Trip Medical Plan:
- Protection against: Medical emergencies for multiple individual trips up to 4, 8, 15, 30, or 60 days each.
- Coverage: Includes all benefits of the single trip plan, extended for the full year with coverage up to $5 million.
Trip Cancellation and Interruption Plans
Trip Cancellation Coverage:
- Protects against: Various unexpected events preventing travel.
- Coverage: Costs due to illness, lost travel documents, adverse vaccine reactions, rescheduled exams, cancelled business meetings, and more.
Interruption Coverage:
- Protects against: A wide range of unexpected travel disruptions after departure.
- Coverage: Missed departures, accommodations and meals during schedule changes, emergency returns home, denied boarding, and more.
Visitors to Canada Insurance Plan
Designed for: Visitors, work visa holders, student visa holders, immigrants, and Canadians not covered by a government health insurance plan.
- Coverage options: From $25,000 to $150,000 with a minimum $50 deductible.
- Includes: Emergency medical treatment, hospital accommodations, lab tests, X-rays, ground ambulance, prescription drugs, emergency dental expenses, family transportation, medical repatriation, return of remains, and burial/cremation expenses at destination.
For more information on coverage, eligibility and exclusions, download the free CAA travel insurance policy PDF below.
Does <strong>CAA </strong>travel insurance cover Covid-19?
CAA Travel Insurance emergency medical plans now include coverage for COVID-19 related illnesses, providing up to $2.5 million if you are partially vaccinated and up to $5 million if you are fully vaccinated. This coverage applies when traveling during a time when the Canadian government has issued a Level 3 travel advisory (i.e., Avoid non-essential travel). While this coverage is included at no additional cost, you must meet certain COVID-19 vaccination conditions to be eligible.
How much does travel insurance with CAA cost?
Overview of CAA Travel Insurance prices for different traveller profiles:
| Traveler Profile | CAA Travel Insurance Price |
|---|---|
| Comprehensive and multi-trip travel insurance for a 17-day trip to New York for a 30-year-old | $189.64 |
| Single trip CAA travel insurance for a 17-day trip covering medical expenses only | $59.55 |
While you get your CAA travel insurance quote online, do not forget to ask/check for the following discounts.
CAA travel insurance discounts
- 10% Discount: Available for CAA members or groups of 10 or more.
- 20% Discount: For groups of 10 or more.
- Up to 45% Discount: By adding a deductible to the policy.
The rates of CAA travel health insurance or trip plans depend on multiple factors:
- Your age.
- Your desired coverage and options.
- Your deductible.
- Your waiting period.
- The length of your trip.
- Your destination(s) (do you want to go to the USA, where medical expenses are high, or do you want to travel within the borders of Canada?).
Good to know
Whether you buy CAA policy from Manitoba, Quebec, Ontario, Saskatchewan, Alberta, Winnipeg or anywhere else, your location doesn't influence the price of coverage. Your destination, however, will.
Before settling on CAA's travel insurance policy, we advise you to shop around! You can quickly and anonymously compare prices from leading travel insurance companies using our free comparison tool below.
Compare the best travel insurance plans on the market!
What does CAA travel insurance for seniors cover?
CAA offers plans that are tailored to meet the needs of senior travellers. CAA travel insurance for seniors offers comprehensive coverage tailored to their needs. It includes up to $5 million for emergency medical expenses, COVID-19 coverage, and access to telemedicine services. Seniors can save up to 20% with CAA member discounts and choose from flexible single trip or multi-trip annual plans.
The CAA travel insurance pre existing conditions rider provides up to $200,000 for medical expenses related to pre-existing conditions, reducing the stability period to seven days before the trip. Additional riders cover adventurous activities, professional sports injuries, and rental vehicle damage, with no maximum age restrictions, ensuring peace of mind for seniors on their travels.
Good to know
You can check out our guide on the best travel insurance for seniors and explore your options.
CAA Travel Insurance Top-ups, Extensions, and Riders
If your travel plans change and you decide to extend your stay, caa health insurance travel coverage offers top-ups and extensions to ensure you remain covered. Here's what you need to know:
Top-ups and Extensions
- Extend Your Coverage: Easily extend your travel insurance for a longer trip.
- Cover Any Plan: Top-up your existing CAA plan or even a plan from another provider.
- Plan Options: Available for Single Trip Medical Plans, Vacation Package Plans, Trip Cancellation and Interruption, and Visitors to Canada Plan.
Rider Options
- Optional Coverage: For activities not normally covered, such as professional sports, speed contests, or adventurous activities like ballooning and parasailing.
- CAA Travel Insurance Pre-Existing Conditions Rider: Coverage for unstable medical conditions or recent changes in medication. Provides up to $200,000 for medical expenses related to pre-existing conditions.
- Adventurous Air Activities Rider: Medical coverage up to $5,000,000 for injuries or death during activities like parasailing, ballooning, or helicopter tours.
- Professional Sport and Speed Contest Rider: Medical coverage for injuries during professional sports or motorized speed contests.
Rental Vehicle Damage Insurance
- Coverage for Rental Cars: Protects against accidents in rental cars.
- No Age Restrictions: Available to all ages.
- Coverage Details: Up to 60 days of rental coverage with benefits up to $80,000.
How to Get a CAA Travel Insurance Quote for Top-ups
- Call for a Quote: Contact CAA at 1-866-740-6422 to get a quote for top-ups or extensions.
By offering customizable coverage and the ability to extend existing plans, CAA ensures you can travel with peace of mind, knowing you're protected no matter how your plans change. CAA travel insurance reviews online are particularly positive for their range of riders and customer service.
How does CAA travel insurance work?
How to get a CAA travel insurance quote?
With a call to the following CAA travel insurance phone number 1-800-437-8541, you can purchase or request a travel plan quote from CAA.
Good to know
You can also purchase a travel package directly on the website. Note that CAA travel insurance Quebec plans might be slightly different from CAA travel insurance Ontario or Winnipeg plans. However, all most all branches may require seniors to fill up a CAA travel insurance medical questionnaire during quotes or purchase.
How to file a travel insurance claim with CAA?
CAA Insurance allows you to file your claim directly on their online CAA travel insurance portal. You can also initiate a claim by calling:
- 1-888-493-0161(from Canada and the USA)
- 1-519-988-7044 (Worldwide)
Here are the steps to file a claim easily:
For Emergency Medical Treatment
- Call CAA Assistance immediately before seeking treatment:
- In Canada and Mainland U.S.: 1-888-493-0161
- From Anywhere Else (collect): +1-519-988-7044
- Alternatively, email: [email protected]
- Provide details to confirm coverage and receive pre-approval for treatment.
Submitting Your Claim
- Complete the Medical Expenses Claim Form provided by CAA Assistance.
- For accidental dental expenses, provide an accident report from the physician or dentist.
- Submit original itemized bills, transaction documents, and proof of payment to:
CAA Travel Insurance,
Global Excel Management,
PO Box 308 Station A,
Windsor, Ontario N9A 6K7
Online Claim Submission
- Visit www.globalexcel.com/orion to submit your claim online.
- Upload the required documents as listed under your insurance coverage.
Additional Documents
- For different claims (baggage, trip interruption, etc.), additional documents such as receipts, tickets, and verification letters may be required.
How to cancel your CAA travel insurance?
CAA travel medical insurance cancellation policy is similar to most travel insurers:
- You can cancel your CAA policy anytime within a few days following the purchase (10 business days on average) and get a refund as long as your trip has not started, and you have not made a claim. To proceed with the cancellation, you can connect on your CAA's members portal or call the following number: 1-800-437-8541
- If you cancel after that period, your payment may not be refunded.
How can I contact CAA travel insurance?
You can contact CAA travel insurance using different means of communication:
- CAA's phone number: 1-800-437-8541
- You can also log onto CAA's website and use their contact form.
- You can write to their email at [email protected]
- For in-person assistance, use the "find a store near you" option to locate the nearest CAA branch and walk in.
Need assistance while travelling?
- In Canada and Mainland U.S.: Call 1-888-493-0161
- From Anywhere Else: Call 1-519-988-7044 (collect)
