Partly Covered Isn’t Covered

CAA Travel Insurance¹ offers comprehensive coverage options that exceeds what your credit card may provide, ensuring you travel with peace of mind.

Know your coverage. Travel worry-free.

Credit cards often provide limited coverage. It's important to know what benefits are included and the amount of coverage you have before travelling.

Use this detailed checklist to discover any gaps in your credit card travel insurance.

What do I need to know about my coverage?

Do I need to pay for my travel with my credit card to be covered for travel insurance (emergency medical, trip cancellation and interruption benefits)?
Who is covered under my credit card’s travel insurance policy?
How many days of coverage are included?

Emergency Medical Insurance

Can I top up/extend my policy?
Will my medical expenses be paid up front if I make a claim?
What is the stability period for pre-existing medical conditions?
Is there an age limit for medical coverage?
What is not covered under my credit card's travel insurance policy? (These are called “exclusions”)
Does the policy have a deductible that you must pay for each claim?
Does the policy deny benefits if your medical emergency arises because of a health problem you already had when your trip started? (This is called a “pre-existing medical condition”)
Does the policy require you to determine – by yourself – whether you meet the insurance company's health standards before you can buy?
Are there specific policy exclusions that pertain to sports or other activities?

Trip Cancellation & Interruption Insurance

What is the amount payable for a trip cancellation and interruption claim?
When cancelling a trip, what circumstances will I be covered for?
Would the policy allow me to cancel for any reason and get reimbursed?

Clear

Travel protected with CAA Travel Insurance.

Emergency Medical Insurance

Emergency medical coverage up to $5 million CAD²
Medical Multi-Trip Plans include 4, 8, 15, 30 and 60 day options³
Top-up coverage available for longer trips on multi-trip plans
Unlimited coverage when you travel within Canada
CAA covers most pre-existing medical conditions that are stable prior to travel⁴
Deductible options offer additional savings

Trip Cancellation & Interruption Insurance

Vacation Package Plans – includes Emergency Medical, Trip Cancellation & Interruption and Baggage Insurance or coverage
Stand-alone Trip Cancellation & Interruption Insurance available
Multi-Trip Vacation Package Plans include 4, 8, 15 and 30 day options⁵
30 reasons to cancel or interrupt and get reimbursed in full
BounceBack coverage – covers your emergency trip home and return to destination

CAA Travel Insurance offers:

10% Member savings⁶
COVID protection⁷
Special family pricing⁸
24/7 multilingual assistance
Expenses paid up front, whenever possible

Terms & Conditions

¹ CAA Travel Insurance, an Orion Travel Insurance product, is underwritten by Echelon Insurance. Certain exclusions, limitations and restrictions apply. Subject to change without notice. A Medical Questionnaire may be required if you are 60 years of age and older.

² Up to $5 million CAD. Maximum $25,000 for all Emergency Medical Insurance benefits for Canadian residents without active Government Health Insurance Plan (GHIP); and/or without GHIP authorization to cover trip days in excess of 212 days in Manitoba in a 12-month period.

³ Medical Multi-Trip Plans cover 4, 8, 15, 30 or 60 days per trip depending on the plan you purchased. Top-Up coverage is available for longer trips. Coverage cannot extend beyond 365 days from departure date or effective date.

⁴ To have your pre-existing medical condition covered by your travel insurance policy, the condition must be stable as defined by your policy. Please see the policy at caamanitoba.com/policy for full details.

⁵ Multi-Trip Vacation Package Plans cover 4, 8, 15, or 30 days per trip depending on the plan purchased. Top-Up coverage is available for longer trips. Coverage cannot exceed 365 days from departure date or effective date. There is a maximum travel coverage of 63 days including Top-Up for travellers aged 60 to 84 years of age.

⁶ 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.

⁷ Certain exclusions, limitations and restrictions apply. Please click here to read the policy endorsement to make sure you meet the requirements before you travel.

⁸ Family Coverage is available for 3 or more family members insured under one policy. Premium calculation for Emergency Medical Plans equals 2 times the premium of the eldest traveller and 2.75 times the premium of the eldest traveller for the Vacation Package Plans. Family pricing is not available for Trip Cancellation and Interruption Plans. For full Family Coverage details, please see our policy at caamanitoba.com/policy.