CAA Travel Insurance

CAA Travel Insurance is underwritten by Orion Travel Insurance Company

CAA Emergency Medical Travel Insurance

We understand that an unforeseen medical emergency can lead to large, out-of-pocket expenses and an early end to your vacation. Emergency Medical Travel Insurance from CAA Insurance takes the stress out of travelling by making sure you're covered:

CAA Emergency medical coverage up to $5 million (CAD)

This plan covers you for up to $5 million CAD for: emergency medical treatment including ambulance (ground and air), hospital stays and physician's fees plus services prescribed by the physician such as laboratory tests and x-rays, private-duty nursing during hospitalization, prescriptions and wheelchair rentals and much more.

Emergency dental expenses

This benefit provides coverage to: a) repair or replace sound natural or permanently attached teeth as a result of an accidental blow to the face up to the policy limit; b) continue treatment for a) above upon returning home up to $2,000; and cover up to $500 for other emergency dental treatment at trip destination (excluding root canals).

Return of vehicle

This benefit provides reasonable expenses for the return of your private or rental vehicle in the event of your medical incapacitation, hospitalization or death on a trip following your hospitalization or accidental death. Also provides repatriation of the Insured if private vehicle is stolen or inoperable due to an accident.

Family transportation

This benefit provides for a return economy fare of an immediate family member or friend to attend your bedside, provided your hospitalization lasts at least 3 consecutive days (provided immediately if you are physically or mentally handicapped or under 26 years old and dependent for support on the visiting family member). Also provides up to $1,500 ($300 per day) for commercial meals and accommodation, essential taxis, laundry and telephone calls, along with Emergency Medical Insurance for the visiting family member or friend.

Subsistence allowance

This benefit provides up to $3,500 ($350 per day) for commercial meals and accommodation, essential taxis, laundry and telephone calls, if your return is delayed more than 10 days beyond the return date due to: a) sickness or injury of you, an accompanying family member or travel companion; or b) an accompanying family member or travel companion or you must be relocated for the purpose of obtaining treatment for a medical emergency.

Medical repatriation

This benefit provides for coverage in the event of a medical emergency for: a) up to the cost of a one-way economy airfare to your Canadian province or territory of residence; or b) the fare for additional airline seats to accommodate your stretcher to your Canadian province or territory of residence; or c) medical air evacuation to the nearest hospital or to a hospital in your Canadian province or territory of residence; and d) repatriation to the point of departure of one travel companion or one family member in the event of your medical repatriation; and e) return economy airfare and overnight lodging and meals for a qualified medical attendant to accompany you to your Canadian province or territory of residence.

Escort and return of insured children

This benefit provides, in the event an insured parent or legal guardian on the trip, for a) organization, escort and payment for a one-way economy airfare for return of the insured children or grandchildren, under the age of 19 unless mentally or physically handicapped; or b) the services of a caregiver contracted by you for your insured children or grandchildren under the age of 19 unless mentally or physically handicapped.

Return of remains

This benefit provides for coverage in the event of your death on a trip following your hospitalization or accidental death: a) actual cost for preparation of the deceased insured and return of the deceased insured in the common carrier’s standard transportation container to the scheduled point of departure; or b) up to $5,000 for burial or cremation at the place of death. Also provides return transportation for an immediate family member or close friend to identify the deceased insured, Emergency Medical Insurance for 3 days for the person identifying the deceased insured, along with a maximum of $300 per day for 3 days for commercial meals and accommodation, essential taxis, and telephone calls.

Upgrade your Coverage

Travel with extra peace of mind before, during, and after your trip by adding benefits to your plan:

  • Trip Cancellation and Interruption

    This plan covers you for up to the full cost of your prepaid travel arrangements if an unforeseen event causes your trip to be cancelled, interrupted or delayed and includes: cancellation, interruption and delay benefits, meals and accommodation, return of remains, undelivered travel services due to default of a travel supplier and acts of terrorism.

  • Travel Accident

    This plan covers you for death or dismemberment as a result of an injury incurred during your trip and includes: flight accident, common carrier accident and 24-hour accident for up to the amount you insure for loss of life, dismemberment of two limbs or loss of sight in both eyes or up to 50% of the amount you insure for dismemberment of one limb or loss of sight in one eye.

  • Baggage Insurance

    This plan covers you for loss or damage to your baggage and personal effects, you own and/or use during your trip, due to theft, burglary, fire or transportation hazards and includes: a maximum of $50 for replacing a lost/stolen driver’s license, birth certificate or travel visa ($200 for replacement of a passport), a maximum of $500 for commercial rental of golf clubs or ski equipment and a maximum of $500 to purchase essential necessities in the event your checked baggage is delayed.

  • Multi-Trip Plans

    Frequent traveller? Multi-Trip Plans cover all of your travel over a year – for one low cost.

  • Visitors to Canada Plan

    Our Visitors to Canada insurance provides protection for family and friends visiting Canada or for holders of a Canadian work or student visa, a Canadian not covered by a Canadian government health insurance plan or an immigrant to Canada.

  • Multi-Trip Plans

    Frequent traveller? Multi-Trip Plans cover all of your travel over a year – for one low cost.

Exclusions

Expecting a baby?

CAA Travel Insurance does not cover:

  • your routine prenatal care or childbirth at any time during your trip.
  • medical treatment and expenses for your child(ren) born during your trip.
  • complications, conditions or symptoms of pregnancy during 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 or the abuse of alcohol.
    • 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 leisurely sports and activities excluding professional participation or 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, hang 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 or your participation in any motorized or mechanically assisted speed contests.

Have a pre-existing medical condition?

CAA Travel Insurance only covers pre-existing medical conditions or symptoms that meet our stability criteria. (Refer to policy for Visitors to Canada and Package requirements). 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).

Note: Stability is based on age.

Under age 60:

  • any sickness, injury or medical condition needs to be stable for at least three months prior to each departure date to have coverage.
  • a lung condition requiring treatment with Prednisone needs to be stable for at least three months prior to each departure date to have coverage.

Age 60 to 69:

  • any sickness, injury or medical condition needs to be stable for a least three months prior to each departure date to have coverage.

Age 70 and over:

  • any sickness, injury or medical condition needs to stable for a least six months prior to each departure date to have coverage.

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.
  • Read this policy before you travel

    Travel insurance is designed to cover losses arising from sudden and unforeseeable circumstances. It is important that you read and understand the terms, limitations, conditions and exclusions before leaving your home province.

    For more information refer to the current policy.

    Disclaimer - All Emergency Medical Insurance benefits are subject to the terms, conditions, limitations and exclusions of the policy. The Multi-Trip plan covers individual trips for the number of days for the plan you have purchased. If your trip outside Canada exceeds the Multi-Trip plan days, a Top-Up plan is required for the additional days (coverage is automatically extended without additional premium for trips solely in Canada). The total number of trip days in a plan year may not exceed the number of days that your GHIP covers you out of your province or territory of residence unless you receive written approval from your GHIP to cover your entire trip days.

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