Frequently Asked Questions
Have questions about CAA Travel Insurance? We’ve got the answers.
The major reason why most people opt for travel insurance is just in case they, or a travel companion, becomes ill or gets injured while travelling. Knowing that you’re covered for any unforeseen medical emergencies or mishaps will give you peace of mind on your trip.
Even if you’re travelling in Canada, travel insurance is still important. Your Ontario Health Insurance Plan (OHIP) or an insurance plan through your employer or credit card may not cover everything. If you’re travelling in Canada outside of Ontario, there are different types of travel insurance coverages that can help fill those gaps. Some plans only cover medical emergencies, while others protect your vacation investment, such as lost baggage, trip interruptions or cancelled trips. Click here to learn more about the different types of travel insurance and the benefits available with each plan.
When you file an insurance claim, the deductible is the amount of money that you, as the policyholder, are responsible for paying. Once you’ve paid the deductible amount, your insurance provider will pay the remaining costs for all eligible claims. Increasing the amount of the deductible generally lowers the cost of your policy.
Deductible terms and conditions vary depending on your travel insurance provider. Most allow deductibles to be applied to emergency medical care costs, while other providers may extend them to lost baggage or trip cancellation and interruption coverage. You may have a single deductible amount per policy, regardless of how many people are insured. Alternatively, each insured person may have their own deductible. To help provide coverage that’s right for you, CAA Travel Insurance offers a range of deductibles on most policies we issue.
Yes, you do. Your Ontario Health Insurance Plan (OHIP) only covers certain emergency medical expenses. It may not cover you for non-medical or other emergency medical costs, such as a semi-private room, prescriptions, ambulance services or expenses that you may incur should you become ill or get injured while travelling.
Because of the limitations of its coverage, OHIP strongly recommends that you purchase supplementary travel insurance when travelling in Canada. To learn more about OHIP coverage, click here.
Not all credit card travel insurance coverage is created equal. It’s important to contact your credit card company before you travel to find out what type of coverage your credit card provides (emergency medical, trip cancellation and interruption insurance, for example) and if you’re eligible for coverage.
Knowing the right questions to ask isn’t always easy. We’ve created a Know Your Coverage Checklist to help guide you when you call your credit card company. This list of questions will help ensure that you have a clear understanding of what you may or may not be covered for.
To learn more about the importance of knowing your credit card travel insurance coverage, visit caasco.com/EducateMe to watch an educational video.
A pre-existing condition is a medical condition (or conditions) that exists prior to your departure date. It includes a medical condition undergoing investigation or one that you have been diagnosed with or are receiving medical treatment for. To determine if your medical condition will be covered, your insurer will consider the stability of the condition and the stability period.
Having a pre-existing medical condition doesn’t mean you can’t travel. You can add a rider to your policy, cutting down your stability period from three to six months to only seven days. In addition, this rider will provide up to $200,000 for eligible hospital and medical-related expenses associated with the pre-existing medical condition.
To learn more about pre-existing conditions and stability, visit caasco.com/EducateMe to watch an educational video.
Yes, CAA Travel Insurance offers a top-up product that will allow you to purchase the additional days of medical coverage you require; however, we recommend that you speak with your current provider and ask if they allow you to purchase additional coverage from another company. Each travel insurance provider’s policies are different, so it’s best to ensure that this additional coverage is permitted beforehand.
For a top-up to another provider’s plan, you’ll need to visit your local CAA Store or call 1-800-437-8541 to speak with one of our travel insurance experts.
Yes, you can. Most travel providers will cover women who are expecting as long as their pregnancy is going smoothly. Travel insurance can cover certain situations resulting from unforeseen pregnancy complications or a pregnancy that occurs after you’ve purchased your plan. However, there may be some limitations or exclusions. For example, your pregnancy and any related complications will no longer be covered starting nine weeks before your expected delivery date or for nine weeks after.
If you’re expecting, you should always consult with your doctor to determine whether it’s risky for you to travel and to find out if there are any potential contraindications with your chosen destination.
Most travel insurance providers will not cover health care for your pets, even though you may think of them as family. Most travel insurance companies will only cover expenses incurred for the return of your pet in the event of an emergency where you need to return to your home province.
In the event that one or more of your pets is accidentally injured while accompanying you on your trip, CAA’s Emergency Medical Insurance covers reimbursement for emergency veterinary services, up to a maximum of $300.
While your travel insurance benefits do not cover pets, we do include service animals, as defined by the Americans With Disabilities Act (ADA), in our definition of “family members.” Therefore, any benefits that apply to your family members would also apply to service animals. Keep in mind that emotional support animals or therapy animals are not considered service animals by the ADA.
To ensure your peace of mind, your best option is to purchase insurance that has been specially adapted to pets. Learn more on how to protect your pet with CAA Pet Insurance.