Is CARP travel insurance good? Review 2024
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CARP Travel Insurance, offered through CAA, provides comprehensive coverage options tailored for seniors and members of the Canadian Association of Retired Persons (CARP). You can easily obtain a free quote online and enjoy coverage that includes up to $5 million in medical expenses, from $5-$10 million for COVID-19 related medical emergencies, and coverage for pre-existing conditions through an optional rider. With plans curated specifically for senior travelers, CARP Travel Insurance ensures peace of mind and robust financial protection during your travels.
CARP Travel Insurance For Seniors: Key Points
- CARP travel insurance is offered by CAA.
- You can get a free CARP travel insurance quote online.
- It covers up to $5 million in medical expenses.
- Provides medical coverage for COVID-related illnesses.
- Covers pre-existing conditions through a rider
Our CARP Travel Insurance For Seniors Review
CARP Travel Insurance, offered in collaboration with CAA, is designed to provide comprehensive travel coverage specifically for seniors and members of the Canadian Association of Retired Persons (CARP). The insurance plans cover a variety of needs including emergency medical expenses, trip cancellations, and interruptions. Key highlights include high coverage limits of up to $5 million for emergency medical needs, coverage for COVID-19 related emergencies for vaccinated travelers, and special discounts available for CARP members. These plans offer robust financial protection and peace of mind for travelers.
Who It's Best For:
- Senior Citizens: Tailored plans address the unique health and travel requirements of older adults.
- Frequent Travelers: Multi-trip plans are beneficial for those who travel several times a year.
- CARP Members: Members enjoy exclusive discounts and additional benefits, making the coverage more cost-effective and comprehensive.
You can also explore other providers that offer travel insurance for seniors. Use our free tool below to compare travel insurance quotes instantly.
Compare the best travel insurance plans on the market!
Pros of CARP Travel Insurance Canada
- Plans curated for senior travellers in mind
- Travel insurance offered through CAA, a trusted group
- Easy-to-use website for online applications and inquiries
- Travel insurance plans are designed to suit budgets of different sizes
- CARP travel insurance reviews are positive for easy of policy application and customer service
- Extensive COVID-19 coverage
- Get CARP travel insurance online quotes easily
Cons of CARP Travel Insurance Canada
- Member-Only Discounts
- Terms may vary by province
What does CARP travel insurance cover?
CARP, in partnership with CAA travel insurance, offers a variety of travel insurance plans tailored to the needs of seniors. Here are the main types of plans and their coverage details:
- Emergency Medical Insurance:
- Coverage: Up to $5 million for unexpected medical emergencies while traveling outside your home province.
- Plan Options: Available as single-trip plans for occasional travelers and multi-trip plans for frequent travelers. Top-Up coverage can extend the duration of multi-trip plans if needed.
- Trip Cancellation and Interruption Insurance:
- Coverage: Reimburses non-refundable travel costs if a trip is canceled due to a covered reason. Also covers additional expenses if the trip is interrupted or delayed after departure.
- Vacation Package (Emergency Medical + Trip Cancellation and Interruption):
- Coverage: Combines emergency medical coverage with trip cancellation and interruption insurance, plus baggage and personal effects insurance. Available as single-trip or multi-trip plans, providing comprehensive protection.
- Visitors to Canada Insurance:
- Coverage: Provides medical insurance for visitors to Canada, covering medical emergencies during their stay.
Coverage Limits
- Emergency Medical Coverage: Up to $5 million
- Trip Cancellation and Interruption Coverage: Varies by plan but generally includes significant coverage to protect against travel disruptions of up to $40,000. For coverage above this figure, you may need to get in touch with a CAA agent.
- Baggage Insurance: Up to $1,500 for loss or damage to baggage and personal effects.
Good to know
Most credit cards offer travel insurance. While it may not be as comprehensive as a travel insurance plan, it can still help to know the coverage you have. Check out what credit card insurance your card has using our free tool HelloCard.
What does CARP travel insurance cost?
CARP travel insurance for seniors costs between $500 and $600 for a 14-day trip. This includes comprehensive coverage of both medical emergency and travel interruption/cancellation among other protections.
| Coverage | Destination | Duration | Age | CARP/CAA Member | Non-Member |
|---|---|---|---|---|---|
| USA | 14 days | 64 | $519.00 | $576.66 |
| France | 14 days | 64 | $519.00 | $576.66 |
| United Kingdom | 14 days | 64 | $427.39 | $474.88 |
The cost of CARP travel insurance Canada depends on several variables:
- Your age.
- Your desired coverage.
- Your destination(s).
- The duration of your trip.
Therefore, we advise you to get a customized quote fo accurate CARP travel insurance rates.
Before settling on CARP travel insurance, check out other travel insurance plans, coverages and prices using our free comparison tool below:
Compare the best travel insurance plans on the market!
What discounts does CARP travel insurance for seniors offer?
CARP members can enjoy several discounts and benefits through their travel insurance partnership with CAA. Here are the key discounts available with CARP travel insurance plans:
- Exclusive Discounts: CARP members receive special discounts on travel insurance premiums, often up to 11% off the standard rates.
- Bundling Savings: Members can save even more by bundling their travel insurance with other types of insurance like home and auto.
- Free Membership and Subscription: For a limited time, CARP members who get a quote on their home or auto insurance can receive a free one-year CARP membership renewal and a subscription to Zoomer Magazine.
Does CARP travel insurance cover pre-existing conditions?
You can add Pre-Existing Health Condition coverage to your CARP travel insurance plan. This coverage provides up to $200,000 CAD for an unstable pre-existing condition. With this addition, your pre-existing condition only needs to be stable for 7 days before departure, instead of the usual 3 or 6 months.
How to purchase a travel insurance plan with CARP?
Purchasing a travel insurance plan with CARP is straightforward and can be done online or by phone. Here are the steps:
- Visit the CARP Insurance Website:
- Go to the CARP insurance page.
- Get a Quote:
- Click on the “Get a Quote” button to start the process. You will need to provide details about your trip, including destination, duration, and personal information.
- Choose Your Plan:
- Review the different travel insurance plans available, such as Emergency Medical, Trip Cancellation and Interruption, and Vacation Packages. Select the one that best suits your needs.
- Customize Your Coverage:
- Add any additional coverage options, such as Pre-Existing Health Condition coverage, if needed.
- Complete the Application:
- Fill in the necessary personal and travel information. Ensure all details are accurate to avoid issues later.
- Make Payment:
- Proceed to payment to finalize your purchase. You can typically pay using a credit card.
- Receive Confirmation:
- After completing your purchase, you will receive a confirmation email with your policy details and coverage information.
- Contact CARP for Assistance:
- If you need help during the process, you can contact CARP travel insurance customer service at 1-877-566-1417.
How to file a travel insurance claim with CARP?
To file a CARP travel insurance claim, start by gathering all necessary documents, including medical reports, receipts, and proof of travel. Visit the CARP insurance website and navigate to the claims section. Submit your claim online or by calling the customer service line at 1-877-566-1417. Ensure you upload or send all supporting documents to facilitate the process. Regularly check the status of your claim through the website or by contacting customer service to ensure it is being processed efficiently.
Does CARP cover Covid-19-related travelling issues?
Yes, the CARP travel insurance program provides coverage for COVID-19-related medical emergencies for vaccinated travelers, offering up to $10 million in emergency medical care. For unvaccinated travelers, coverage is limited to $1 million. It also covers quarantine expenses and costs associated with returning home if required to quarantine or self-isolate. Check out what a typical COVID 19 travel insurance entails.
How can I contact CARP travel insurance?
To contact CARP travel insurance, you can either visit their website or call the CARP travel insurance phone number at 1-877-566-1417. This allows you to get detailed information about their plans, make inquiries, or get assistance with your existing policy.
Is CARP Travel Insurance by Mclennan Group?
CARP Travel Insurance is now provided by CAA. As of April 1, 2023, in Ontario and May 1, 2023, across the rest of Canada, CAA has become the exclusive provider of auto, home, life, travel, and pet insurance for CARP members. Previously, The McLennan Group Insurance Inc. was the provider for CARP travel insurance. The McLennan Group was CARP's recommended insurance partner since 1993.
