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Pack Travel Insurance to Cover Everything From Lost Baggage to Emergency Medical Expenses

Think you don’t need to buy travel insurance? We explore some common misconceptions people have about it.

A woman packs a small suitcase

For many travellers, purchasing travel insurance is like packing a comfortable pair of walking shoes—an absolute must. However, some think they can go without it. Before you decide, here are some reasons why you might want a travel insurance policy alongside you on your next trip.

1. Your employee benefits may not cover everything

The travel medical insurance plan offered through your employer may only cover emergency medical expenses, but it may not cover travel-related hiccups like lost baggage, trip cancellation or trip interruption. Check your policy carefully to determine coverage limits, exclusions and terms, such as the inclusion of pre-existing medical conditions.

2. Not all credit card coverage is created equal

Many credit cards include travel insurance, yet not all of these policies include trip cancellation or trip interruption coverage. If yours does, check the limits. Plus, coverage may only apply when you used that credit card to pay for your trip—or the policy may have certain eligibility restrictions. Contact your credit card company to determine what’s covered. To help you, we’ve created a list of questions to ask in our Know Your Coverage checklist.

3. You can save with travel insurance

Travel insurance ensures you’re prepared in case anything spoils your plans. Your coverage can help you save thousands of dollars in medical care, for a cancelled trip or if you suddenly need to return home due to an unforeseen reason.

You also have the option to increase your policy’s deductible—the amount you’ll pay if you have to make a claim—to lower your travel insurance premium. Taking more than two trips outside of Ontario? A Multi-Trip Annual Plan may help you save on your travel coverage needs. And CAA’s Travel Insurance (1) plans now include in-province virtual emergency medical assistance (2) for when you’re staying closer to home.

4. OHIP no longer covers what it used to

As of January 1, 2020, the Ontario Health Insurance Plan (OHIP) stopped covering any portion of out-of-country medical expenses for Ontario travellers. If your trip takes you outside of Canada, you’re on the hook for any medical expenses unless you have travel insurance. And if your plans include travelling within Canada, bring your OHIP card and know what’s covered. To help you understand what your health card can do for you outside of Ontario, this article explains what is and isn’t covered by OHIP.

5. You can get coverage suited to your needs

Don’t travel often? Choose from Single Trip Plans that cover any or all of the following: emergency medical expenses, trip cancellations, trip interruptions, lost or delayed baggage and more.

Not staying at a hotel? No problem. CAA’s Trip Cancellation and Interruption coverage includes bookings made through an approved alternative lodging platforms like Airbnb, HomeAway (VRBO) or Trip Advisor rentals.

No matter where you’re headed, take along the peace of mind that comes with knowing you have the coverage you need.

Click here for more information about travel insurance from CAA, and to get a free quote for your next trip.


Terms & Conditions

1 CAA Travel Insurance is underwritten by Orion Travel Insurance Company, a CAA Company. Certain exclusions, limitations and restrictions apply. A Medical Questionnaire is required if you are 60 years of age and older.

2 CAA Assistance is provided by Active Care Management Inc. Virtual Emergency Medical Assistance and House Call services availability may vary depending on geographical location, mobile device connectivity and current emergency medical condition. In-province virtual assistance is limited to four (4) calls per insured per policy term. Subject to change without notice. See full policy for all terms and conditions at caasco.com/policy.

®CAA trademarks are owned by, and use is authorized by, the Canadian Automobile Association.

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