Insurance
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.
Travel FAQ
Not all credit card travel insurance coverage is created equal. It’s important to contact your credit card company before you travel to find out what type of coverage your credit card provides (emergency medical, trip cancellation and interruption insurance, for example) and if you’re eligible for coverage. Knowing the right questions to ask isn’t always easy. We’ve created a Know Your Coverage Checklist to help guide you when you call your credit card company. This list of questions will help ensure that you have a clear understanding of what may or may not be covered.
You can still get travel insurance with pre-existing medical conditions, as long as you’ve been stable for three or six months. If you’re 70 and over, you will be eligible to purchase our travel insurance for seniors.
Yes, the maximum age is 84 for the Single Trip Vacation Package, Multi-Trip Vacation Package or Top-Up to Multi-Trip Vacation Package, but if you wish to purchase the Single Trip Canada Vacation Packages and Non-Medical Vacation Package, there is no age limit.
The maximum amount of trip days including extensions or top ups for the different plans are:
- 365 Days with GHIP approval – Single Trip Canada Vacation Package, Single Trip Vacation Package Under Age 60 and Multi-Trip Vacation Package Under Age 60
- 365 Days – Non-Medical Vacation Package
- 30 Days – Single Trip Vacation Package Age 60-84
- 63 Days – Multi-Trip Vacation Package Age 60-84.
If you are age 60 or older you must complete a medical questionnaire. If you are under 60 but your sum insured is over $40,000 per insured, you also must also complete a medical questionnaire.
No, we provide automatic coverage at no extra charge to infants who:
- Do not occupy a seat on the airplane; and
- Are travelling with a parent or legal guardian who has purchased the Single Trip Vacation Package Plan, Single Trip Canada Vacation Package Plan, Multi-Trip Vacation Package Plan or Top-Up to Multi-Trip Vacation Package Plan.
No, a vacation package must be purchased prior to leaving your home province or putting down any non-refundable deposit.
Yes, a travel insurance vacation package can be applicable to any out-of-province trip. OHIP doesn't cover all out-of-province medical emergencies, so it's best to be prepared before you go.
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.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. Visit caaneo.ca/termsandconditions for offer details and full Membership Terms and Conditions.
2. 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.
3. Conditions apply. Check out our full policy guide online for all the details.
4. CAA Assistance is provided by Global Excel Management Inc.
5. 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.
®CAA trademarks are owned by, and use is authorized by, the Canadian Automobile Association.
