CAA Travel Insurance

CAA Travel Insurance

Why do you need travel insurance? Accidents happen. No matter where you travel, CAA Travel Insurance plans can protect you againstBasic membership  the financial impacts of illness, emergencies and the unexpected. 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 are covered by Canada's most trusted brand. Have more Questions? See our Frequently Asked Questions below for more information. 

 

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Emergency Medical

Be protected no matter where you go with our Emergency Medical insurance plans. CAA Travel Insurance covers you in and out of Canada to ensure you are always covered. For those that love to travel, multi-trip plans are also available.

Multi-Trip Plan | Get A Quote

CAA Travel Insurance's Annual Multi-Trip plan is perfect for the frequent traveller, offering insurance coverage for multiple trips which protects you all year long. Choose from 4, 8, 15 or 30 and 60-day trips 

  • Coverage for unlimited number of trips per year  
  • Out of Province emergency medical coverage limits up to $5 million
  • Hospital accommodations, lab tests, x-rays, nursing and ground ambulance
  • Emergency dental expenses
  • Medical repatriation
  • Medical follow-up in Canada
  • Reimbursements and assistance for vision care, hearing aids, pet care and kenneling
  • CAA Choice Care
  • NEW Virtual Emergency Medical Assistance - access up to 4 virtual visits within Saskatchewan with a licensed Canadian medical doctor via live video conference 

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Single Trip Plan | Get A Quote

Single Trip plans are for the once-in-a-while travellers who just need travel insurance coverage for a single vacation.

  • Coverage for a single vacation or business trip
  • Emergency medical coverage limits up to $5 million
  • Hospital accommodations, lab tests, x-rays, nursing and ground ambulance
  • Emergency dental expenses
  • Medical repatriation
  • Medical follow-up in Canada
  • Reimbursements and assistance for vision care, hearing aids, pet care and kenneling
  • CAA Choice Care

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Other CAA Travel Insurance Plans 

CAA Assistance

CAA Assistance is available 24/7, 365 days per year. Whether you need emergency medical assistance of have a question, we are here to help.

Need 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
Global Excel
PO Box 308 Station A
Windsor, Ontario N9A 6K7

Phone 1.819.780.0754
Toll Free 1.844.640.0754

General Travel Insurance FAQ’s

Do CAA Members get discounts on Travel Insurance?

Even though your CAA membership is not required to purchase travel insurance, as a CAA member, you are eligible for a 10% discount on your CAA Travel Insurance policy. 

What is the difference between Travel Insurance and Emergency Medical Insurance?

Emergency Medical Insurance (also known as Travel Medical Insurance) is a type of CAA Travel Insurance plan that covers emergency medical costs while travelling.

Are there any other CAA Travel Insurance plans?

Apart from Emergency Medical Insurance, CAA also provides a Deluxe Holiday plan, a Trip Cancellation and Interruption plan, Top-up and Extension plans, and a Visitors to Canada plan.

What is the difference between all the CAA Travel Insurance plans?

The Emergency Medical Insurance plan is a type of CAA Travel Insurance plan that only covers emergency medical expenses while travelling.

The Deluxe Holiday plan is a type of premium CAA Travel Insurance plan that provides you with full comprehensive coverage including emergency medical, lost baggage, lost documents, flight delays, travel accidents, trip cancellations, trip interruptions, etc.

The Trip Cancellation and Interruption plan is a type of CAA Travel Insurance plan that provides insurance coverage if you need to unexpectedly cancel or interrupt your travel plans. This includes unexpected illnesses for you or your immediate family members.

The Top-up and Extension plan is a type of CAA Travel Insurance plan that allows you to extend the coverage of your existing Travel Insurance policy. For example, if you’re travelling for work and want to extend your trip, you can top-up your work Travel Insurance coverage.

The Visitors to Canada plan is a type of CAA Travel Insurance plan that provides Travel Insurance coverage like emergency medical, emergency dental, medical repatriation, subsistence allowance, etc. to your friends and family visiting from outside Canada.

Who can buy the Trip Cancellation and Interruption Travel Insurance plan from CAA?

To be eligible to buy CAA Saskatchewan’s Trip Cancellation and Interruption plan, you:

  • Must be a Saskatchewan resident
  • Must have made your travel arrangements through a licensed travel supplier -- involving travel to, from, or within Canada.
When is the best time to buy a Trip Cancellation and Interruption Insurance policy?

It is recommended that you purchase your Trip Cancellation and Interruption Insurance plan at the same time you confirm and lock your travel plans with a payment.

What all is covered under a CAA Travel Medical Insurance policy?

A CAA Travel Medical Insurance policy includes:

  • Emergency medical treatment costing up to CAD $5 million.
  • Emergency dental expenses up to CAD $5 million.
  • Medical repatriation costing up to CAD $5 million.
  • Return of remains costing up to CAD $5 million.
  • Non-medical emergency evacuation costing up to CAD $5,000.
  • Hospital accommodations, lab tests, x-rays, nursing, and ground ambulance.
  • 24-hour phone support and virtual emergency medical assistance.
  • Reimbursements and assistance for vision care, hearing aids, pet care, and kenneling.
  • COVID-19 coverage

Why should I purchase Travel Insurance FAQ’s

Why do I need Travel Medical Insurance?

While your government healthcare provides you with medical coverage inside your home province, it becomes limited once you’re outside. Plus, any medical emergency that occurs outside Canada can be significantly more expensive than at home. Having Emergency Medical Insurance protects you against such unforeseen and costly medical expenses while you’re travelling.

What type of Travel Medical Insurance package is best for me?

Depending on your preferences, CAA Travel Insurance offers two types of Emergency Medical Insurance plans:

The Multi-Trip Plan is perfect for frequent travellers who love the convenience of purchasing once and travelling throughout the year. The plan provides you with 365 days of coverage within Canada and 4, 8, 15, 30, or 60 days per trip outside Canada – as many times as you want throughout the year.

The Single Trip Plan is perfect for those travellers who need Travel Insurance for just one trip. The plan provides coverage for a single trip, up to one year (365 days) long.

Am I eligible to buy CAA Travel Medical Insurance?

You are eligible to purchase an Emergency Medical Insurance policy from CAA Saskatchewan if you:

  • Are a Saskatchewan resident.
  • Are insured under a valid Canadian government healthcare policy.
  • Meet the eligibility requirements and plan qualifications.
  • Purchase the policy before leaving Saskatchewan.

You are not eligible for any coverage under an Emergency Medical Insurance policy if:

  • Your trip is booked or taken against advice from a medical professional.
  • You have received a diagnosis of terminal illness with less than 6 months to live.
  • You require kidney dialysis.
  • You have ever had an organ transplant (except cornea transplant).
  • You have been diagnosed with and/or received medical treatment for metastatic cancer in the last five years.
  • You have been prescribed or are taking home oxygen for a lung condition in the last 12 months.
Do I have to answer a questionnaire to buy a CAA Travel Medical Insurance policy?

Customers, over the age of 55, will be required to complete a medical questionnaire to determine a plan and premium that is best suited for them based on their personal needs. 

Isn’t my credit card and/or employer’s medical coverage enough for me?

For in-province and in-country trips, your credit card and/or employer’s medical coverage may be sufficient. However, for international trips just relying on them could prove to be a costly affair.

Further, they could have different benefits, exclusions, and limitations when compared to an Emergency Medical Insurance policy. While reviewing your options, always consider the following points:

  • Is your family covered under your employer’s medical coverage?
  • What is the duration of coverage in your employer’s medical policy?
  • Is there a limit on the number of days you’re allowed to travel under your employer’s coverage?
  • Is there a possibility of coverage extension under your employer’s medical policy?
  • Does your employer’s medical policy include coverage for an air ambulance?
  • Does your employer’s medical coverage include medical repatriation?
Why do I need a Travel Insurance policy?

Buying a Travel Insurance policy not only helps you with emergency medical coverage while travelling but also provides you with the assurance that you’re protected in the event of trip cancellations or interruptions.

Due to unexpected and unforeseen events, you could face the need to change or cancel your travel plans, which could be costly and non-refundable. At times like these when things are out of your control, a Travel Insurance policy helps protect your investment.

Do I have to fill a questionnaire to buy a Trip Cancellation and Interruption policy?

You do not need to fill out a medical questionnaire to purchase CAA Saskatchewan’s Trip Cancellation and Interruption Travel Insurance plan. It is, however, necessary that all your pre-existing conditions

(medical or other) are stable and controlled prior to the purchase of your insurance policy and prior to your date of departure.

Travelling during COVID-19 FAQ’s

How does the change in the COVID-19 travel advisories impact coverage?

Emergency Medical Coverage:

  • When there are no Level 3 or Level 4 COVID-19 travel advisories for a traveller’s destination, full coverage for COVID-19 is available regardless of vaccination status
  • If, prior to departure, a Level 3 or Level 4 COVID-19 travel advisory is implemented for a destination, coverage restrictions will apply
    • During Level 3 – coverage available for travellers meeting vaccination requirements
    • During Level 4 – no coverage available for COVID-19 related illnesses
Is COVID-19 covered under a CAA Travel Medical Insurance policy?

Yes, CAA Travel Medical Insurance provides coverage for COVID-19-related illnesses.

When the Canadian government has issued a Level 3 travel advisory (avoid non-essential travel), the coverage is up to CAD $2.5 million (if partially vaccinated) and up to CAD $5 million (if fully vaccinated).

Travellers must have received their shot (first dose for partially vaccinated, second dose for fully vaccinated) at least 14 days before their departure date. The COVID-19 coverage does not apply to those on a cruise or those travelling to a destination listed in a Level 4 government advisory (avoid all travel).

Am I allowed to travel internationally right now?

Air travel outside of Canada is permitted. However, the Government of Canada has a travel advisory out at this time that states that all non-essential travel must be avoided.

Travelling during such advisories can have an impact on the premium of your Travel Insurance policy.

All travellers entering Canada are subject to testing and quarantine guidelines. You can find all the latest information related to travel and advisories on the Government of Canada website.

Do I have to quarantine in a hotel upon return to Canada if I’m fully vaccinated?

If you’re a fully vaccinated traveller, you are exempt from quarantining when you enter Canada. To be considered a fully vaccinated traveller, you must:

  • Have received the full series of an accepted COVID-19 vaccine or a full series of a combination of accepted vaccines.
  • Have received your last dose at least 14 full days prior to the day you enter Canada.
  • Upload your proof of vaccination in the Government of Canada’s ArriveCAN app.
  • Have no signs or symptoms of COVID-19.
  • Meet all other entry requirements like pre-entry test results, etc.

You must be prepared to quarantine for 14 days in case you do not fulfill the conditions of being a fully vaccinated traveller. In such instances, a suitable quarantine plan must be entered into the ArriveCAN app. For complete eligibility requirements, please visit the Government of Canada page.

Where can I find the latest and most up-to-date information related to COVID-19 travel?

You can find all the latest COVID-19 travel information on the Government of Canada’s website. In addition to that, you can also make use of their COVID-19 Travel Tool Kit that contains links to all the necessary resources related to travelling, testing procedures, quarantine requirements, ArriveCAN, etc.

Emergencies are never part of your holiday plan so be sure to spend your vacation building memories, not costly medical bills. Add CAA Travel Insurance to your pre-vacation checklist and know that we've got you covered! 
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For complete CAA Travel Insurance details refer to the policy guide

CAA Travel Insurance is underwritten by Orion Travel Insurance Company, a CAA Company. Certain exclusions, limitations and restrictions apply. Subject to change without notice. A Medical Questionnaire may be required to purchase travel insurance.

CAA Assistance is provided by Active Care Management Inc. Telemedicine and House Call Services availability may vary depending on geographical locations and current emergency medical condition. *Applies to CAA Members in good standing with dues paid in full by membership expiry date. 10% savings applies to the total premium excluding applicable taxes. Minimum premium applies. Excludes Visitors to Canada Insurance.