Insurance

CAA highly recommends Emergency Medical Insurance even when travelling within Canada, as there are numerous medical services that government health insurance plans do not cover such as:

• Ambulance – land and air
• Private and semi-private hospital rooms
• Return of vehicle
• Family transportation to bedside
• Medical repatriation
• And more

GHIP (Government Health Insurance Plan) and other insurance health plans don't cover a number of emergency situations that the Canada Plan provides benefits for:

• Return of vehicle / repatriation if private vehicle stolen or inoperable due to an accident
• Hospital allowance for incidental expenses
• Family transportation, emergency medial insurance and subsistence allowance to attend bedside
• Care, escort and return of your children in the event of your hospitalization or medical repatriation
• Non-medical emergency evacuation
• Medical repatriation
• Return to trip destination
• Pet care and pet return
• Vision care and hearing aid

All travel must occur within Canada for this coverage to be effective. This plan cannot be purchased as a Top-up. If you are looking for Top-up coverage, choose a Top-up option.

Buy online or get a quote »

Or call 1-866-740-6422 or visit your local CAA store.

If you are a holder of a CAA Annual Plan, convenient Top-Up coverage can be added to extend your trip for durations up to 212 days for residents of Ontario or Newfoundland and up to 183 days for residents of all other provinces or territories. If you are 55 years of age or over, please consult your travel professional or call 1-866-740-6422 for your Top-up. If you are topping up another insurer's plan choose the Top-up To Non CAA Annual Plan.

Includes:

• Emergency excess medical expenses up to
  $5 million CAD
• Emergency Dental Expenses
• Hospital Allowance
• Return of Vehicle
• Family Transportation
• Medical Repatriation
• Medical Follow-up in Canada
• Child Care
• Non Medical Emergency Evacuation
• Return to Trip Destination
• Death
• Pet Return
• Pet Care
• Prescription Assistance
• Vision Care
• Hearing Aid
• Terrorism Coverage
• Message Centre

Buy online or get a quote »

Or call 1-866-740-6422 or visit your local CAA store.

If you are expecting friends or family to visit from another country, they will not be covered under any provincial or territorial Government Health Insurance Plan. You can help protect your visitors against financial hardship resulting from a medical emergency with Visitors to Canada Medical Emergency Insurance.

Available in limits of $25,000, $50,000, $100,000 or $150,000, CAA's Visitors to Canada Medical Emergency Insurance provides payment for reasonable and customary costs incurred for treatment of emergent and unforeseen sickness or injury while in Canada. A temporary visit to another country is covered (excluding your country of origin) as part of your trip, however this temporary visit may not exceed 49% of the trip's total duration.

Includes:

• Medical emergency treatment
• Emergency dental expenses
• Family transportation and subsistence allowance
• Medical repatriation to the country of origin
• In the event of death, costs incurred for burial at place of death or return home of deceased

For Visitors to Canada; Canadians who are not eligible for a government health insurance plan; persons who are in Canada on a work or student visa; or new immigrants who are awaiting government health insurance plan coverage. This plan can only be purchased if you are under age 86 years.

Buy online or get a quote »

Or call 1-866-740-6422 or visit your local CAA store.

If you take multiple vacations each year, CAA's Annual Vacation Package Plan is designed to meet the needs of the frequent traveller. You can choose either a 15 or 30-day Plan and if you're planning a longer trip duration, convenient top-up coverage is available.

The Annual Vacation Package Plan must be purchased within 48 hours of initial deposit of your pre-paid travel arrangements and is available only to Canadian residents. If you are 55 years of age or over, please consult your travel professional or call 1-866-740-6422. If you are topping up another insurer's plan choose the Top-up to non-CAA Annual Plan. This plan can only be purchased if you are under age 85 years.

Includes:

• Emergency medical insurance
• Trip cancellation and interruption
• Travel accident insurance
• Flight accident insurance
• Common carrier accident insurance
• 24-hour accident insurance
• Baggage and personal effects insurance
• Baggage delay
• Lost documents
• Infant protection
• Holiday protection

Buy online or get a quote »

Or call 1-866-740-6422 or visit your local CAA store.

If you are a holder of a CAA Annual Vacation Package Plan, convenient Top-Up coverage can be added to extend your trip for durations up to 212 days for residents of Ontario or Newfoundland and up to 183 days for residents of all other provinces or territories. This Plan must be purchased within 48 hours of initial deposit of your pre-paid travel and is available only to Canadian residents. If you are 55 years of age or over, please consult your travel professional or call 1-866-740-6422. If you are topping up another insurer's plan choose the Top-up to non-CAA Annual Plan.

Includes:

• Emergency medical insurance
• Trip cancellation and interruption
• Travel accident insurance
• Flight accident insurance
• Common carrier accident insurance
• 24-hour accident insurance
• Baggage and personal effects insurance
• Baggage delay
• Lost documents
• Infant protection
• Holiday protection

Buy online or get a quote »

Or call 1-866-740-6422 or visit your local CAA store.

CAA's Trip Cancellation and Interruption Insurance is designed to protect your prepaid travel arrangements from an unexpected emergency that may cause you to cancel, delay or interrupt your trip.

This Insurance may be purchased as part of Vacation Package Plan, Annual Vacation Package Plan, Non Medical Vacation Package Plan, or separately within 48 hours of initial deposit of your pre-paid travel arrangements or prior to any cancellation penalties being in effect.

This coverage may also be purchased by non-Canadian residents.

Buy online or get a quote »

Or call 1-866-740-6422 or visit your local CAA store.

Baggage and Personal Effects Insurance provides coverage for loss or damage to your baggage and personal effects used during your trip.

This insurance can only be purchased prior to departure, in conjunction with Trip Cancellation and Interruption Insurance or Emergency Medical Insurance and for the total duration of the Trip.

Includes:

• Baggage and Personal Effects
• Baggage delay
• Lost documents

To purchase, call 1-866-740-6422 or visit your local CAA store.

Bounceback Insurance provides coverage if you must return home from your vacation destination before your scheduled return date for the following reasons:

• a member of your immediate family, who is not travelling with you, is admitted to a hospital due to an emergency or dies after you leave home
• a natural disaster causes your principal residence to become uninhabitable, after you leave home

The plan will pay for your round-trip transportation expenses to return home from your vacation destination.

The Insurance must be purchased in conjunction with another CAA Emergency Travel & Medical Insurance plan. Not sold in conjunction with Visitors to Canada Medical Emergency Insurance. Family coverage is not available. This insurance can only be purchased prior to departure to your vacation destination.

To purchase, call 1-866-740-6422 or visit your local CAA store.