Is CARP travel insurance the best for you?

James Rodriguez James Rodriguez  updated on 2022-01-26

Visiting another country or province without travel insurance can be a costly mistake. If you need emergency medical attention while away you need a plan to pay for it.

Did you know that an overnight stay in a hospital in the United States can exceed $14,000 CAD? What about the fact that some countries might even refuse service to you if you are unable to prepay for treatment?

It is not fun to think about, but travel insurance is a necessity when you are away from home. It guarantees your ability to get and pay for health care, if and when you need it. Beyond that, it can help make you whole should something go wrong with your flight or you lose a bag. 

This page answers your questions about CARP travel insurance. Read our review, get CARP travel insurance quotes and see how the competitors fare. 

Our review of CARP travel insurance:

The Canadian Association of Retired Persons, or CARP, offers travel insurance plans and medical coverage for retirees and CARP members.

Continue below for CARP travel insurance pros and cons:

Why CARP could be right for you:

Plans designed with retirees in mind
Easy to use website for online applications and inquiries
Travel insurance plans are designed to suit budgets of different sizes

Why CARP may not be right for you:

Special discounts are only available to CARP members.

Compare quotes and options before choosing travel insurance with CARP. A little shopping around can help you to save money and find the coverage that fits your needs.

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What does CARP travel insurance cover?

CARP offers an array of travel insurance packages. Depending on the travel insurance package you choose, there are fringe benefits attached. General coverage on emergency medical intervention, baggage and trip protection are readily available. For every plan, CARP offers COVID-19 protection especially for In-Canada travels – travels to places with Level 3 or 4 Advisory are disallowed.

Here are CARP's main offers:

Single Trip Emergency Medical

CARP offers emergency medical coverage for trips lasting up to 212 days. This comes with additional premium savings strictly for CARP members. It covers all emergency medical interventions during travel. Coverage reaches up to $10 million.

Multi-Trip Emergency Medical

For trips revolving around a full year, CARP offers medical coverage for trips lasting up to 60 days. Coverage reaches up to $10 million. There are special discounts are given to CARP members.

In-Canada Medical

For travel within Canada, CARP offers coverage that saves up to 50% off the usual Single and Multi-Trip packages.

Non-underwritten Plans

Non-underwritten plans are available for applicants over 60for single out-of-province trips up to 15 days.

For more information on CARP travel insurance see:

CARP recommends and offers coverage for internal travel in Canada.

Plan nameSingle Trip Emergency Medical Multi-Trip Emergency Medical In-Canada Medical Non-underwritten Plans
Emergency Medicalup to $10 million up to $10 million
Cancellation
Interruption
Covid-19up to $10 million (addon Covid-19 coverage available)up to $10 million (addon Covid-19 coverage available)
Comparison of CARP travel insurance

For more information about how travel insurance and to learn about other top insurer read HelloSafe's guide to travel insurance.

How much does a policy with CARP cost?

The price of travel insurance coverage with CARP depends on your age, desired coverage and the destination and the length of your trip. Therefore it will be important to get an individual quote customized for your unique needs. 

Before settling on CARP travel insurance shop around! You can quickly and anonymously compare prices from leading travel insurance companies using our tool:

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How do I purchase a plan with CARP?

CARP travel insurance packages can be bought via their website or through a call to 1-877-566-1417.

How can I reach CARP by telephone?

Contact CARP via their website or by phone at 1-877-566-1417.

How do I file a claim with CARP?

CARP travel insurance offers a direct claim channel on their website where you can easily file your claim. You can also file by phone at 1-877-566-1417.

Does CARP travel insurance cover Covid-19?

Vacccinated policyholders are eligible for up to $10 million in emergency medical care while abroad. ($1 million for unvaccinated policyholders). This is for countries not under a Level 3 or 4 travel advisory.

Additionally, a Covid-19 Coverage Addon is availabe which offers financial coverage if you need Covid-19 related medical assistance while on your trip, quarantine expenses and expenses to return home if required to quarentine/self-isolate.