caa us travel insurance

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Travel without worries with CAA Travel Insurance

Are you travelling out of your province? Or out of the country?

An unforeseen situation can lead to out-of-pocket expenses even while travelling within Canada. Learn more about Travel Insurance below or reach out to a Travel Advisor.

Take the stress out of travelling, make sure you're covered.

• CAA Members save up to 15% *  on Travel Insurance. 
• CAA offers unique options for those travelling within Canada.
• Travel Advisories could impact your coverage. If you have questions, call us at 1800-561-8807 or contact your Travel Advisor for more details.
• Download Smart Travellers Pack Insurance.

Coverage Includes

• Emergency medical coverage up to $5 million (CAD)
• Emergency dental expenses
• Return of vehicle
• Family transportation
• Medical repatriation
• Escort and return of insured children

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 insurance
• Baggage insurance
• 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.

Terms & Conditions

• Read our policy guide for full details  English
• 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.
• * Applies to CAA Members in good standing. Ten percent (10%) savings applies to the total premium excluding applicable taxes for Classic and Plus Members. Fifteen percent (15%) savings applies to the total premium excluding applicable taxes for Premier Members. Excludes web purchases. Excludes Visitors to Canada Insurance.
• CAA Travel Insurance, an Orion Travel Insurance product, is underwritten by Echelon Insurance. Terms and conditions apply. A Medical Questionnaire is required if you are 60 years of age and older. Quotes are valid for 30 days.
• 1  Up to $5 million CAD. Maximum $25,000 for all Emergency Medical Insurance benefits for Canadian residents without active Government Health Insurance Plan (GHIP).
• 2  Policy conditions and limitations apply. 

Sign up for CAA Travel Insurance Today!

Sign up to receive updates about travel deals and offers, discounts, membership and so much more., get in touch.

For more information, or to book your next vacation, contact us today!

Travelling to the United States

Planning a trip to the United States? Here are the answers to some common questions from travellers aiming for a smooth border crossing.

Do I need to be vaccinated to enter the United States?

No. As of May 12, 2023, you no longer need to be vaccinated against COVID-19 to enter the United States, regardless of whether you arrive by car, train, boat or plane.

What are the requirements for entering the United States by air?

To enter the United States by air, you must present a valid Canadian passport or NEXUS card (even for a simple connection). Children also must have one of these two documents.

As a traveller, you are responsible for ensuring that you meet the requirements, which are outlined on travel.gc.ca .

Sherpa, the tool you need.

Important information about your trip: health restrictions, entry requirements, and more

What are the requirements for entering the United States by car or boat?

Any Canadian citizen aged 16 or older must present either of the following documents when entering the United States by land (or sea):

• a  valid passport ;
• a  membership card for an expedited border crossing program like NEXUS;
• an  Enhanced Identification Card proving Canadian citizenship; or
• a Secure Certificate of Indian Status.

Canadian citizens aged 15 or under who are accompanied and those aged 16 or 17 who are travelling to the U.S. by land or sea with a school or other organized group (under the supervision of an adult and with consent from a parent or guardian) may present the original or a copy of their birth certificate, or a Canadian citizenship card or certificate.

The NEXUS card helps frequent travellers get across the border faster. Travellers must apply to get one. A NEXUS card can be used instead of a passport to enter or leave the U.S. by land or sea. It can also be used at self-service checkpoints when returning to Canada by air.

See border wait times

Plan your trips to avoid waiting in line for hours. The tables are updated on the hour, 24/7:

Canadian customs

U.S. customs

What are the requirements for returning to Canada?

COVID-19–related requirements to return to Canada (vaccination status, random testing, isolation/quarantine) were lifted by the Canadian government. The ArriveCAN app is still available, but its use is now optional. Travellers can also use it to fill out their customs declarations.

However, the government reserves the right to reinstate certain border measures should the situation become a concern again. For more information or to find out what you need to know before crossing the border, visit the Canadian government website .

What travel insurance is recommended for the United States?

If you’re planning a trip to the U.S., even for just a day, you should purchase emergency medical travel insurance before leaving. But for even better protection against the unexpected, it’s wise to add trip cancellation and interruption insurance.

Thinking of visiting the U.S. more than once this year or travelling abroad elsewhere? Consider getting annual travel insurance . It will cover you for all your trips, all year long—making your life easier.

What about snowbirds heading to the United States?

All Canadian travellers—including snowbirds—must comply with the entry requirements for their means of travel. To help you prepare for your trip, see our comprehensive report on snowbirds .

What can I bring home to Canada after a stay in the U.S. (personal exemptions)?

Food, alcoholic beverages, and gifts are some of the things you can bring home from a trip to the United States or elsewhere. It’s important to understand these personal exemptions so you can avoid paying duties and taxes or having prohibited items confiscated.

Similarly, you should know what foods you can and cannot bring into the United States by land. Regulations on the entry of animals and animal products into the U.S. change frequently based on disease outbreaks in various parts of the world.

Important travel information

Check out our helpful information and travelling tips related to Covid-19 , including health measures for before, during, and after a trip, cancellation policies, travel insurance, and more.

Have a criminal record? You probably won’t be allowed to enter the United States (or even stop over), even if you have received a pardon in Canada. To obtain a waiver (fees apply) or for further information, contact the U.S. Consulate General . Note that a waiver is not required if you have a record of impaired driving with no aggravating factors (no injuries or deaths).

CAA-Quebec Travel Insurance: The ideal choice!

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About CAA Travel Insurance

Product features.

Underwriter Notes

Terms and Conditions

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Is CAA the best travel insurance in Canada in 2024?

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Information verified by   Alexandre Desoutter

Our articles are written by experts in their fields (finance, trading, insurance etc.) whose signatures you will see at the beginning and at the end of each article. They are also systematically reviewed and corrected before each publication, and updated regularly.

Traveling without travel insurance can lead to significant expenses. Did you know that a night at a hospital in the United States can cost over $14,000 CAD? Certain countries may even deny access if you cannot prepay for medical treatment.

So, travel insurance is essential when you're away from home. It ensures you have access to necessary healthcare and covers the costs when needed. Apart from medical emergencies, it offers assistance for flight delays and cancelations, lost luggage, and more.

If you're considering travel insurance, it's worth looking at CAA travel insurance. We've created this guide on coverage, pricing, and everything you need to know about CAA travel insurance. You can also compare it with other players using our free tool and get quick travel insurance quotes.

Our 2024 review of CAA travel insurance

CAA, or the Canadian Automobile Association is a trusted travel brand. It offers a wide range of insurance plans to fit any budget or travel plan.

Here are some CAA travel insurance pros and cons:

Why CAA could be right for you

• Membership with CAA gives a 10% discount on travel insurance packages.
• Easy to apply for coverage or file a claim online.
• Extensive coverage for emergency medical intervention.
• Enjoy 24/7 customer service
• CAA offers travel insurance plans specifically curated for the needs of seniors and snowbirds.

Why CAA may not be right for you

• Special discounts are only available to CAA members.
• CAA travel insurance requires you to answer a medical questionnaire.
• Like most insurers, CAA medical travel insurance does not - for the most part - cover pre-existing medical conditions (such as cancer for instance).

Should you be interested in CAA's plans, know that you can get a travel insurance quote with CAA directly on the insurer's website! But, before choosing CAA travel insurance, compare options and quotes. A little shopping around can help you to save money and find a coverage that really fits your needs:

Compare the best travel insurance plans on the market!

What does CAA travel insurance cover?

CAA offers excellent coverage that cuts across medical, dental, and economic benefits. Medical emergencies, travel interruptions and loss, theft or damage of personal belonging are well covered by CAA travel insurance plans. Here are the main travel insurance plans by CAA:

Good to know

The Multi-Trip Annual Vacation plan offers more all year round. Aside the medical coverage of $5 million, it offers maximum trip protection coverage of $10,000 per year, baggage protection and delay benefits reach up to $3,000 and $1,500 per policy year.

For more information on CAA international travel insurance, download the PDF below:

CAA offers extensive coverage to visitors to Canada. This covers medical intervention, compensation for travel interruption and baggage protection:

Does <strong>CAA </strong>travel insurance cover Covid-19?

CAA COVID-19 policy has been updated to cover COVID-19 related emergencies and interruptions. COVID-19 updates are regularly passed to clients to ensure safe travel.

How much does a travel insurance with  CAA  cost?

The rates of CAA travel insurance depend on multiple factors:

• Your desired coverage and otpions.
• Your deductible.
• Your waiting period. 
• The lenght of your trip.
• Your destination(s) (do you want to go to the USA, where medical expensises are high, or do you want to travel within the bordes of Canada?).

Whether you buy CAA travel insurance from Manitoba, Quebec, Ontario, Saskatchewan, Alberta, Winnipeg or anywhere else, your location doesn't influence the price of coverage. Your destination, however, will).

CAA travel insurance doesn't provide tables on its pricing. Rates are also ver dependable on your profile and needs. Therefore it will be important to get an  individual quote customized for your unique needs.

This is only indicative but, on average, travel insurance in Canada costs $25,35 per trip for a single traveller.

Before settling on CAA's travel insurance policy, we advise you shop around! You can quickly and anonymously compare prices from leading travel insurance companies using our free comparison tool below:

How does CAA travel insurance work?

How to get a caa travel insurance quote.

With a call to the following CAA travel insurance phone number 1-800-437-8541, you can purchase or request a travel plan quote from CAA.

You can also purchase a travel package directly on the website.

How to file a travel insurance claim with CAA?

CAA Insurance allows you to file your claim directly on their online CAA travel insurance portal. You can also initiate a claim by calling:

• 1-888-493-0161(from Canada and the USA)
• 1-519-988-7044 (Worldwide)

How to cancel your CAA travel insurance?

CAA travel insurance cancellation policy is similar to most travel insurers:

• You can cancel your CAA policy anytime within a few days following the purchase (10 business days on average) and get a refund as long as your trip has not started, and you have not made a claim. To proceed with the cancellation, you can connect on you CAA's members portal or call the following number: 1-800-437-8541
• If you cancel after that period, your payment may not be refunded.

How can I contact  CAA  travel insurance?

You can contact CAA travel insurance using different means of communication:

• CAA's phone number: 1-800-437-8541
• You can also log onto CAA's webstite and use their contact form.

Save up to 25% on your travel insurance with our partner soNomad

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1-888-550-8302

Alexandre Desoutter has been working as editor-in-chief and head of press relations at HelloSafe since June 2020. A graduate of Sciences Po Grenoble, he worked as a journalist for several years in French media, and continues to collaborate as a as a contributor to several publications.

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Travel Insurance

Caa-quebec travel insurance offers bilingual 24/7 assistance services and full coverage, so you can get the support you need if your trip doesn’t go as planned..

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IMPORTANT - There are more people than usual trying to reach us right now. Please use our online services to get a quote and purchase your travel insurance.

Travel insurance option to meet your needs

Insurance for a single trip, annual plan insurance, visitors to canada insurance, additional coverage, about to purchase got questions about insurance.

Our team is available Monday through Friday, 8 a.m. to 6 p.m., and Saturday, 9 a.m. to 5 p.m. They can help you choose your insurance and decide if you want to change or extend it. They will also answer your questions regarding coverages.

1-855-440-4402

Your request has been sent and will be handled by a CAA-Quebec team member within a maximum of 48 business hours.

If this is an emergency, you can contact us at any time by calling 1-800-222-4357.

In order to provide you with products and services that fulfill your expectations, we need to collect certain personal information. 

In full transparency, the following explains how we use your personal information. We guarantee that we will handle such information with care, in compliance with our privacy policy and with the law

How your information is used

By engaging in business with us, you consent to the collection and use of your personal information, as well as that of the individuals you represent, by CAA-Quebec, its affiliates and partners.

Your personal information is collected and used for:

• providing you with products and services;
• confirming your identity;
• soliciting you for surveys;
• improving the customer experience along with our products;
• managing risk, safety and regulatory compliance; and
• allowing you to enjoy all the benefits and privileges that are reserved for members when you first become one.

Your information may also be used to:

• provide you with personalized benefits, offers, promotions, and advice, and to ensure that you enjoy them;
• present you with targeted advertising on third-party sites; and
• send you invitations to take part in events or contests.

Your personal information may be communicated to a person associated with your account or to a CAA-Quebec supplier or partner, such as when CAA-Quebec acts as a sales intermediary (for insurance or travel), and to technology solution providers, including providers outside of Quebec.

Your rights regarding your information 

You can access and correct your personal information. You also have the option of withdrawing your consent for specific uses through your Member Account, either by following the steps outlined in our Privacy Policy or by sending a request at any time by calling 1-800-686-9243.

For further details, please refer to our Privacy Policy at caaquebec.com/privacy .

Please note that quotes, changes to existing policies, and purchases cannot be made via this form or by email.

Ask for a quote or to purchase travel insurance .

To make changes to an existing policy, call 1-855-440-4402 .

You must complete all fields except those marked “optional.”

See our FAQs

Looking for assistance while travelling? Need to file a claim?

Medical problem while abroad, lost baggage, reimbursement request for a cancelled or interrupted trip… If you experience one of these situations, or any other problem covered by your insurance, you should instead contact the insurer’s 24-hour assistance team .

See how to contact them depending on your situation and the country you are currently in.

Assistance and claims

Discover the benefits of CAA‑Quebec Travel Insurance

• Emergency medical care (up to $5,000,000)
• Trip cancellation and interruption insurance (up to $40,000 or more!)
• COVID-19 coverage 1
• Coverage in case of quarantine 1
• Emergency return trip coverage to Quebec available with all products that include trip  cancellation 2
• See a doctor for a minor problem from wherever you are (telemedicine) 3
• Family premium: insuring children is often free 4
• Coverage for transferring your children back home or for childcare in the event that you are hospitalized
• Emergency veterinary care for your pets

Take advantage of discounts on CAA-Quebec Travel Insurance

10% discount.

Exclusive discount for members

Save up to 20%

for anyone purchasing an explore trip 5

for groups of 10 or more 5

Save up to 45%

when you add a deductible

Listen to our Sans détour podcast

Our specialists talk about electric vehicles (including e-bikes!) and the often complex world of insurance: auto, home and travel.

Travel insurance: More important than ever

Have questions about travel insurance? Watch our free online presentation. Our experts answer your most frequently asked questions. (Video in French only)

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Make your life easier

View all the tips

10 ways to save on your travel insurance

When it comes to travel insurance, as with any insurance, it’s a good idea to shop around.

Do I need trip cancellation and interruption insurance?

Even the best-prepared trip can be waylaid unexpectedly.

1. Exclusions and limitations apply if a Government of Canada advisory to avoid non-essential travel or all travel is in effect for your destination prior to your departure.

2. If you have to make a return trip to Quebec and back to your travel destination because of an emergency at your primary residence, or if a member of your immediate family who is not travelling with you is hospitalized for an emergency or dies, BounceBack covers your round-trip economy-class transportation expenses up to a maximum of $2,000.

3. CAA Travel Assistance is provided by Global Excel. Virtual Emergency Medical Assistance availability may vary depending on geographical locations and current emergency medical condition. In-Province virtual assistance is limited to four (4) calls per insured per policy term.

4. 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 Plan.

5. The 20% discount is the 10% discount for CAA-Quebec members plus an exclusive 10% discount for people who purchase explore packages. Discounts may also be applied separately. Other restrictions apply.

CAA‑Québec Assurances refers to Cabinet en assurance de personnes CAA‑Québec, firm in insurance of persons. The travel insurance products offered to CAA‑Quebec members and to the clients of its affiliates in Quebec under the name Assurance voyage CAA‑Québec are underwritten by Echelon Insurance doing business under the name Orion Travel Insurance and distributed by Cabinet en assurance de personnes CAA‑Québec. They are also offered by Voyages CAA‑Québec as part of its travel agency activities.

May 7, 2020

5 min. read

At CAA Travel Insurance, we’re committed to helping our Members during these challenging times. Now that all non-essential travel is being restricted around the globe, your travel plans may have been recently cancelled or interrupted. If you have CAA Travel Trip Cancellation and Interruption Insurance in place, you may be covered and it’s quick and easy to submit your claim online.

Filing your trip cancellation insurance claim.

Step 1:  If you haven’t done so yet, contact your travel provider or travel agent to cancel your trip. Ask for proof or confirmation of your trip cancellation and any refund, voucher, and/or credit details. It’s important to note that travel vouchers/credits for future travel are considered refunds.

Step 2:  Start your claim  here  and follow the easy instructions.

Step 3:  Submit your claim, along with all required documents listed on the claim form.

Filing your trip interruption insurance claim.

You are eligible to submit a claim if you left Canada before March 13 when Global Affairs Canada travel advisories went into effect, and you had to return to Canada earlier than planned.

Step 1:  Start your claim  here  and follow the easy instructions.

Step 2:  Submit your claim, along with all required documents listed on the claim form.

Is your situation unique? Talk to us.

If your circumstances do not fit within your travel insurance policy criteria, we may be able to help. Be sure to include any details of your situation, along with your claim.

CAA Travel Insurance Agents are working hard to resolve the many claims brought about by COVID-19.

Please be aware that due to high call volumes, our response times may be longer than usual and it may take up to 4-6 weeks to receive a response for your claim. Your understanding is greatly appreciated. Know that we will be giving you the same time and attention when addressing your claim too.

Need help or have questions about your claim?

Our licensed CAA Travel Insurance Agents can always be reached at the phone numbers on your wallet card and policy documents.

Alternatively, feel free to email us at  [email protected] . As we all work collectively to re-emerge on the other side of COVID-19, don’t lose sight of that dream vacation bucket list. Hopefully we’ll be out roaming the globe again soon!

Terms & Conditions

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.

Subject to change without notice. See full policy for all terms and conditions at:  caasco.com/policy .

CAA Assistance is provided by Active Care Management Inc.