1 800 JOINCAA (564-6222)

CAA Travel Insurance

Page

You take on the world, we’ll take care of the rest™

You work hard for your vacations, so don’t let the unexpected ruin them. Protect yourself and your loved ones by packing CAA Travel Insurance on your next vacation – it takes the stress out of travelling by making sure you’re covered.

Read our Policy Guide for full details. 

Which CAA Travel Insurance Plan is Right for You?

Not sure which Travel Insurance plan is right for you? See our summary of the plans available. For complete details, please refer to the Policy Guide.

Family Coverage

Family coverage, for three or more family members, is available to you if all family members to be insured under one policy are listed on the Declaration Page and you have purchased and paid for family coverage. The family coverage insures you, your spouse, your child(ren) and grandchild(ren) for the plan purchased. Please refer to the Policy Guide for full details.

Visitors to Canada

Our Visitors to Canada insurance provides protection for family and friends visiting from abroad. You may purchase this plan if you are:

  • A visitor to Canada.
  • The holder of a Canadian work visa or student visa.
  • An immigrant to Canada.
  • A Canadian not covered by a government health insurance plan
     

CAA Assistance

In the event of a medical emergency, you must call CAA Assistance immediately, prior to seeking medical treatment. However, if you are unable to do so because you are medically incapacitated, you or someone else must contact CAA Assistance as soon as is reasonably possible.

  • 1.866.888.1268 (Canada & United States)
  • +1.905.532.2960 (Collect where available)
     

How to Make a Claim

You must substantiate your claim by providing the documents described under the applicable insurance plan(s) in the How To File A Claim section of the Policy Guide.

Indicate your policy number on all correspondence and send the claim form and all required documents to:

CAA Travel Insurance
9th Floor, 150 Commerce Valley Drive W.
Thornhill, Ontario L3T 7Z3

  • 1.866.888.1268 (Canada & United States)
  • +1.905.532.2960 (Collect where available)
     

Exclusions

Expecting a baby

CAA Travel Insurance does not cover:

  • Your routine prenatal care during your trip.
  • Complications, conditions or symptoms of pregnancy during the nine weeks prior to or after and including the expected delivery date.
  • Medical treatment and expenses incurred by your newborn child(ren) following the unexpected birth during your trip in the nine weeks prior to or after and including the expected delivery date.

Alcohol, Drugs, Prescription Medication use

CAA Travel Insurance does not cover:

  • Alcohol-related sickness, death or injury.
  • Alcohol abuse includes having a blood alcohol level in excess of 80 milligrams of alcohol per 100 milliliters of blood.
  • Any sickness, death or injury related to the abuse of medication, drugs or any other toxic substance.
  • Non-compliance with prescribed medical treatment or therapy.

Any official travel advisory warnings posted for your destination

CAA Travel Insurance does not cover:

  • Any loss resulting from a specific or related medical condition contracted in a country during your trip when, before your effective date, a written formal or an official warning was issued by Foreign Affairs, Trade and Development Canada, advising Canadian residents not to travel to that country, region or city.

Participating in any leisurely sports or excursions

CAA Travel Insurance provides coverage for many leisure sports and activities excluding professional participation in sports or participation in speed contests. (Please see policy for Optional coverage for Professional Sports and Participation in Speed Contests.)

CAA Travel Insurance does not cover death or injury sustained:

  • While performing as pilot or crew member of, or travelling as a passenger on, any aircraft: flying machines or devices that are supported chiefly by their buoyancy in air, and includes, but is not limited to, any balloon, kite balloon, airship, glider, hand glider, paraglider, parasail, parachute, kite and wingsuit. Travelling as a passenger on a common carrier is not subject to this exclusion.
  • While participating in any maneuvers or training exercises of armed forces.
  • During your professional participation in any sport.
  • During your participation in any motorized or mechanically assisted speed contests.

Optional Professional Sports and Participation in Speed Contests Coverage
This optional coverage provides reimbursement of expenses incurred as a result of an injury or sickness while participating in, training or practicing for a professional sport or motorized speed contest.

Have a pre-existing medical condition

CAA Travel Insurance only covers pre-existing medical conditions or symptoms that meet the stability criteria based on your age. *Stable means you have not experienced any of the following for any sickness, injury or medical condition before your trip:

  • Hospitalization.
  • A medical procedure or intervention.
  • Change in medication.
  • Change in medical treatment.
  • Experienced new or more frequent symptoms.
  • Require investigation (other than a routine check-up)

Emergency Medical Insurance Pre-Existing Medical Conditional Exclusions:

Under age 55:

  • For trips 40 days or less, any sickness, injury or medical condition must be stable in the seven (7) days prior to each departure date, other than a minor ailment1.
  • For trips over 40 days, any sickness, injury or medical condition must be stable in the three (3) months prior to each departure date to have coverage.

Age 55 to 69:

  • All trip lengths: any sickness, injury or medical condition needs to be stable in the three (3) months prior to each departure date to have coverage.

Age 70 and over:

  • Any sickness, injury or medical condition needs to be stable in the six (6) months prior to each departure date to have coverage.

Optional Pre-Existing Medical Condition Coverages

This coverage provides up to $200,000 for eligible hospital and medical related expenses for sickness or injury as a result of a pre-existing medical condition that was not stable and existed prior to the departure date of your trip. Conditions and/or symptoms which arose or worsened on the departure date or at any time within the seven (7) days prior to the departure date, other than a minor ailment1 are not covered.

CAA Travel Insurance does not cover:
A sickness, injury or related condition during a trip undertaken:

  • With knowledge you will require or seek treatment or surgery.
  • For the purpose of obtaining treatment or surgery.

A sickness, injury or related condition for which:

  • Future investigation or treatment (except routine monitoring) was planned before your trip.
  • It was reasonable to expect treatment or hospitalization during your trip.
Call Us 1.800.564.6222   Email Us Email Us   Visit a CAA Store Visit a CAA Store

 

*Stability is based on age.
2 A minor ailment is a medical condition that does not require: use of medication for a period greater than 30 days; more than one follow-up visit to a physician or other registered medical practitioner; hospitalization, surgical intervention; or consultation with a medical specialist.  A chronic infection or the complication of a chronic infection is not a minor ailment.
Multi-Trip Annual Plans cover 10, 20, 35 or 60 days per trip, depending on the Plan you purchased. Convenient Top-Up coverage is available for longer trips. The Multi-Trip Plan and any Top-Up may never extend beyond 365 days from departure date or effective date.