Insurance
Travel insurance covers you for a certain number of days but travel plans can change and vacations sometimes get extended. We’ll top-up your existing travel insurance coverage (even if it’s through another provider) or extend your current CAA Travel Insurance plan so you can keep travelling protected.
What top-ups and extensions are available?
Add more days of coverage with a top-up or extension to any of the following insurance plans.
CAA’s Multi-Trip Vacation Package Plan
CAA’s Multi-Trip Plan
CAA's Single-Trip Plan
Single trip medical plan from another insurance provider
Travel Insurance rider options
Need additional coverage not included in your policy? CAA Travel Insurance offers riders you can add on to your insurance plan for pre-existing medical conditions, select air activities, and select high-speed activities.
Sport and Speed Rider
This rider provides medical coverage for those engaging in activities that involve speed contests and professional sports and can be added to all emergency medical and vacation package plans. It provides reimbursement for expenses incurred resulting from an injury or sickness while participating in, training or practicing for a professional sport or motorized speed contest.
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Pre-Exsiting Medical Condition Rider3
This rider accounts for unstable medical conditions or changes in medication prior to departure. It can be added to all emergency medical and vacation package plans and provides coverage up to a maximum of $200K per insured, per trip. It covers eligible hospital and medical-related expenses for sickness or injury incurred resulting from a pre-existing medical condition that was stable within 7 days before departure.
Adventurous Air Activities Rider4
This rider provides medical coverage if you're doing activities like parasailing, hot-air ballooning or helicopter tours. It can be added to all emergency medical and vacation package plans and offers optional medical coverage up to $5,000,000 for death or injury sustained while performing these activities that are currently excluded from the policy.
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Travel Insurance coverage for the unexpected
Travel Insurance you can trust
Take it from our Members
CAA has been my go-to for travel insurance every time I leave Canada. I always feel well-protected and more at peace when I use CAA for trips.
Frequently asked questions
A top up provides extra insurance coverage by replenishing the amount you’re insured for up to a certain amount. The top up plan is activated if your medical expenses exceed the amount you’re insured for.
You can extend your travel insurance up to a year.
You can extend as many times as you want within the policy year.
Yes, if you are extending your trip. If anything happens while you are away without travel insurance you will be responsible for covering the full price of whatever incident has occurred, which can be expensive.
Yes, you can purchase an extension/top-up to the original policy while at the destination, as long as no claims have been made.
It is still a good idea to get rental vehicle damage insurance if the rental company has a Collision Damage Waiver. The waiver transfers the responsibility to pay for damage to the auto rental company but it can include exclusions.
CAA can top-up your existing coverage (even if it’s through another provider) or extend your current plan with CAA, so you can keep travelling, knowing you’re covered. You can visit a CAA Store or call 1-800-267-8713 or get a quote online.
You should consider a top up when your trip is longer than your coverage for multi-trip coverage.
Don’t have a CAA Membership?
Sign up to take advantage of great deals and savings. CAA Memberships start at just $302 a year, plus tax.
CAA Travel Insurance, an Orion Travel Insurance product, is underwritten by Echelon Insurance. Certain exclusions, limitations and restrictions apply. Subject to change without notice. A Medical Questionnaire is required if you are 60 years of age and older. Quotes are valid for 30 days.
1. Medical Multi-Trip Plans cover 4, 8, 15, 30, or 60 days per trip depending on the plan you purchased. Top-Up coverage is available for longer trips. Coverage cannot extend beyond 365 days from departure date or effective date.
2. Up to $5 million CAD. Maximum $25,000 for all Emergency Medical Insurance benefits for Canadian residents without active Government Health Insurance Plan (GHIP); and/or without GHIP authorization to cover trip days in excess of 212 days in Ontario in a 12-month period.
3. Applies to CAA Members in good standing (CAA Membership dues paid in full by Membership expiry date). Up to twenty percent (20%) savings applies to the total premium excluding applicable taxes. Minimum premium applies. Subject to change without notice. Excludes Visitors to Canada Insurance. CAA Everyday, Classic®, and Plus® Members save 10%. CAA Premier® Members save 20% at CAA Stores or by calling 1-800-267-8713. CAA Premier Members save 10% and earn 10% in CAA Dollars® when booking online.
4. CAA Assistance is provided by Global Excel Management Inc.
®CAA trademarks are owned by, and use is authorized by, the Canadian Automobile Association.
