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CAA Travel Insurance Review 2024

Updated: Feb 28, 2024, 5:47am

The Canadian Automobile Association, or CAA, is well known for its roadside assistance, but you might not know that it also offers incredibly solid travel insurance—with loads of options for customizing your premium to fit your budget. CAA members also get a 10% discount on their premium. And with coverage for kids, grandkids and even pets, CAA travel insurance is a great choice for families, too.

• Pre-existing conditions rider
• Optional medical deductible
• CFAR and IFAR reimbursement at 75%
• Additional coverage for air excursions and sports
• Medical questionnaire required at age 60
• Limited coverage for adventurous travellers
• Discounts only available to CAA members

Table of Contents

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If you’re one of the 5.8 million Canadians with a CAA membership, you’ve probably called for help when you’ve had a flat tire, been locked out of your car or run out of gas during a road trip. But CAA can offer much more than roadside assistance, including travel insurance for Canadian residents for trips both within Canada and internationally, as well as travel insurance for visitors to Canada.

The CAA is made up of nine regional clubs across Canada, including CAA South Central Ontario (that includes Manitoba), North East Ontario, Niagara, Alberta, British Columbia, Manitoba, Maritimes, Quebec and Saskatchewan.

This review is based on plans from CAA-South Central Ontario (CAA-SCO). If you live in another part of the province or elsewhere in Canada, your plan offerings may differ.

CAA South Central Ontario travel insurance is underwritten by Orion Travel Insurance, a CAA company.

Here are the key types of travel insurance coverage offered in CAA Insurance plans:

• Emergency medical insurance: If you become ill or are injured on your trip, travel medical insurance can pay for emergency medical expenses, up to the limits in your plan. These expenses can include doctor and hospital bills, medication and lab work.
• Trip cancellation insurance: If you cancel a trip for a reason listed in your policy, trip cancellation insurance can reimburse you for prepaid, non-refundable costs.
• Travel interruption insurance: Trip interruption insurance can pay for a last-minute flight home in an emergency and money that you lose by cutting a trip short, such as non-refundable activities and hotel stays. CAA offers a BounceBack benefit that kicks in if you have to go home to deal with an emergency, you’ll get $2,000 towards a round-trip ticket home and back again.
• Baggage insurance: Baggage travel insurance can compensate you up to your policy limits if your luggage is lost or stolen. It will reimburse the depreciated value of your suitcases and what you packed. If your bags are delayed, it can reimburse you for the cost of the necessities you buy to tide you over. It also extends to your personal belongings, if they are lost, damaged or stolen.
• Travel accident insurance. This coverage offers compensation in the event of accidental death or catastrophic injury from an accident during your trip. Flight accident insurance covers injury while you’re on a commercial plane, during a connection or in an airport. Travel accident insurance covers death or dismemberment, including the loss of limbs or eyesight, sustained on your trip.

CAA offers three travel insurance plans: Emergency Medical + Trip, Medical and Trip.

Emergency Medical + Trip: This is the most comprehensive plan that includes coverage for medical emergencies, trip cancellation and interruption, lost baggage and personal documents, non-medical emergency evacuation, medical repatriation, travel accident insurance and more.

Emergency medical treatment includes:

• Hospital accommodation up to a semi-private room.
• Physicians’ fees.
• Laboratory tests and X-rays.
• Private duty nursing.
• Ground ambulance service.
• Prescription drugs.
• Medical appliances including casts, splints, trusses, braces, crutches or the rental of a wheelchair.
• Treatment by a chiropodist, chiropractor, osteopath, physiotherapist or podiatrist.
• Emergency dental treatment due to a blow to the face.
• Emergency dental treatment due to illness, excluding roots canals or damage to dentures.
• Hospital allowance for long distance calls, TV rental when hospitalized for at least 48 hours.

Medical: If you’re only worried about medical emergencies while travelling (and not trip protection), this standalone plan offers all of the medical coverage options of the Emergency Medical + Trip plan and includes hospital accommodations, physician fees, lab tests, private nurses and ambulance services.

Trip: If you have medical coverage elsewhere, the Trip plan covers trip cancellation insurance, trip interruption insurance, baggage insurance, travel accident insurance and more.

With a CAA Travel Insurance plan you can purchase family coverage for three or more members, including your spouse, children and grandchildren. CAA even extends coverage to your pets in the event you are hospitalized or repatriated, as well as $300 for emergency veterinary care.

We highlighted key benefits of CAA Travel Insurance to help you identify which plan is the best fit for you.

Here’s a comparison of the Medical + Trip, Medical only and Trip only plans and how much coverage you’ll get.

The price of a CAA Travel Insurance plan depends on factors such as the cost of your trip, your age and the amount of coverage you choose.

Here are some price examples of CAA Travel Insurance plans for healthy travellers based in Ontario through the CAA-South Central Ontario Club. CAA members get 10% off these rates.

If you’re purchasing the Medical only plan, you can also add an optional deductible, or the amount you will pay out of pocket before your coverage kicks in, to lower the cost of your premium. Deductible options include: $300, $500, $1,000, $3,000, $5,000, $10,000, $25,000, $50,000 (USD).

World Nomads

Emergency medical: $5 million Cancel For Any Reason: No Baggage insurance (maximum): $1,000, $3,000

Related: World Nomads Travel Insurance Review

Manulife Financial

Emergency medical: $10 million Cancel For Any Reason: No Baggage insurance (maximum): $1,000

Related: Manulife Financial CoverMe Travel Insurance Review

Emergency medical: $5 million Cancel For Any Reason: No Baggage insurance (maximum): $1,500

Related: Blue Cross Travel Insurance Review

CAA Travel Insurance offers the following riders, or add-ons, for the more adventurous or sporty travellers:

• Adventurous Air Activities. Up to $5 million covering extra vacation fun while participating in activities that include hot-air balloon rides, parasailing and helicopter excursions.
• Sports & Speed. If you’re participating in a professional sporting event or motorized speed contest, this provides coverage for any accident or illness while you’re competing, training or practicing while you’re away.

Here’s how these add-ons could affect your premium:

If you’re renting a car while on vacation, the optional Rental Vehicle Damage Insurance add-on will pay up to $80,000 for rentals up to 80 days.

CAA members in the CAA-SCO Club receive 10% off their premium for any travel insurance plan. (Other clubs may offer different discounts. For example, CAA Maritime members receive a 15% discount.)

Here’s an example for the Medical + Trip plan:

Yes. If you travel a few times a year (or more!) it may be cost effective to buy multi-trip insurance , also known as annual trip insurance. CAA Travel Insurance has two plan options: The Multi-Trip Plan that offers medical coverage only for four, eight, 15 or 30 days, and the Annual Vacation Package Plan that offers medical and trip protection coverage for eight, 15 or 30-day periods. If you stay longer than the number of days in your plan, you can purchase a top-up.

CAA Assistance is available 24/7, 365 days of the year and can help you when you’re faced with an emergency. Support includes:

• Directing you to an appropriate physician or hospital at your trip destination.
• Providing multilingual interpreters to communicate with physicians and hospitals.
• Monitoring your care and ensuring only appropriate and medically necessary treatment is given.
• Communicating on your behalf to your family and physician.
• Paying hospitals, physicians and medical providers whenever possible.
• Arranging necessary transportation, such as an air ambulance, whenever necessary.

When you call CAA Assistance, you’ll need to provide your name, policy number, your location and the nature of your emergency. If you don’t contact CAA Assistance before receiving medical treatment, you may be limited to reimbursement of 80% of eligible expenses, to a maximum of $25,000.

If you’re not dealing with an emergency (say you’re holed up in your hotel room with a migraine) but you’d still like some medical advice, CAA Travel Insurance offers a Virtual Emergency Medical Assistance and House Call Service, which provides 24/7 and unlimited number of virtual visits to medical professionals via virtual healthcare.

According to CAA, 80% of cancellation claims are because a traveller, or one of their immediate family members, gets sick or injured.

Trip cancellation insurance covers things like:

• You are a family member, or your travel companion or their family members, is sick, injured, quarantined or dies.
• A blizzard, hurricane or volcano, for example, hits your home or you’re burgled within seven days before your departure.
• You lose your job.
• You’re called for jury duty.
• The business meeting, conference or event you were travelling to is cancelled.
• There’s a new travel advisory.
• The travel supplier you bought from goes out of business.
• Your passport is not issued in time.

CAA also offers Cancel For Any Reason insurance, which offers the following reimbursement if you cancel for a reason up to three hours before departure other than those listed:

• 75% CFAR reimbursement if your travel is booked through CAA Travel.
• 50% CFAR reimbursement if your travel is booked through another provider.

While trip cancellation covers any issues that happen before you leave, trip interruption covers issues once you’ve already left home.

Trip interruption insurance covers issues, such as:

• A missed connection due to bad weather, road delays or a road accident.
• A medical emergency back home.

CAA also offers Interruption For Any Reason insurance up to $2,500, that covers you for any reason outside of your policy to the following limits:

• 75% IFAR reimbursement if your travel is booked through CAA Travel.
• 50% IFAR reimbursement if your travel is booked through another provider.

For travellers under age 60, CAA Travel Insurance will not pay any claims due to any sickness, injury or medical condition that is not stable in the three months before your departure date (and for travellers age 70 to 84, your condition must be stable for six months), unless you purchase the Pre-Existing Medical Condition rider that reduces the waiting period to seven days and covers to a maximum of $200,000.

Here’s how this add-on could affect your premium cost:

For travellers under age 60, CAA Travel will also not cover any lung condition if in the three months prior to departure you received treatment with Prednisone.

For travellers age 60 to 84, CAA Travel will also not cover any lung condition if in the three months prior to departure you received treatment with prednisone, or any heart conditions if you had heart bypass or valve surgery more than eight years prior to the departure date; if you were taking three or more medications for your heart; you were diagnosed or treated for a heart condition, diabetes and high blood pressure; or you were prescribed or are taking medication for heart failure.

There are a number of scenarios not covered by travel insurance and it’s critical to know what not to do before you make a claim only to be told you’re on the hook for all associated costs. The following are some of the most common issues not covered by travel insurance:

• A claim against an unstable pre-existing medical condition. CAA defines a condition as unstable if you have sought medical treatment for that condition, if new or existing symptoms appear or there has been a change in medication or the dose you take.
• Ongoing medical treatment or services. Your coverage treats the emergency then gets you back to Canada for further treatment. The emergency medical coverage does include medical follow-up in Canada.
• Non-emergency, experimental or elective treatment, including cosmetic surgery, chronic care or rehabilitation.
• Pregnancy (other than unexpected complications) or a child born on a trip.
• Injury or illness as a result of alcohol or drug abuse.
• High risk activities, such as being in the air (balloon, kite balloon, paraglider, parasail, parachute, kite, wingsuit, etc.), unless you’ve purchased the Adventurous Air Activities rider.
• Travelling against medical advice or not following medical advice in regards to treatment.
• Travelling to get medical treatment, included diagnosis, palliative care or alternative therapy.
• Suicide or attempted suicide, or any self-inflicted injuries.
• Travelling after the Canadian government issues a “Avoid non-essential travel” or “Avoid all travel” advisory.
• Any professional sports, unless you purchase the Sport & Speed rider.
• Air ambulance services, unless approved in advance.
• Damage to or loss of contact lenses or prosthetic teeth or limbs.

Due to high call volumes, CAA recommends you file your claim online or by email. You can file a claim online 24/7 by logging into your account via CAA’s partner Global Excel Management. You can also visit the CAA website and download your appropriate claim form. Depending on the kind of claim, you will also need to provide supporting documentation. For example, for a claim on your baggage insurance for a theft, you’ll need to submit a report from the police. After the claim is submitted, you will receive an email confirmation with your case number.

Frequently Asked Questions (FAQs)

Does caa travel insurance pay for medical costs upfront.

Yes, in most cases CAA will pay hospitals, physicians and other medical providers directly. However, the insurer notes that some providers require direct payment. In that case you will be reimbursed for “reasonable and customary costs.”

Does CAA Travel Insurance cover COVID-19?

It depends. You are eligible for the $5 million emergency medical coverage if you’re fully vaccinated and $2.5 million if partially vaccinated for any COVID-19-related illnesses that occur while travelling.

Does CAA Travel Insurance offer coverage extensions?

Your coverage is automatically extended for five days due a travel delay due to inclement weather or mechanical failure, or a sudden and unforeseen illness. If you are hospitalized, your coverage is extended for the period of hospitalization, plus five days after discharge. You can also request an extension if you want to stay longer provided you apply before the expiry date of your policy and you haven’t made any claims.

Does CAA Travel require a medical questionnaire?

Yes. Travellers age 60 and over must complete a medical questionnaire that asks questions such as: Have you visited the emergency room more than once in the last 12 months, have you been a smoker in the last five years, have you had surgery in the last 12 months and have you received treatment or medication for cardiovascular conditions, diabetes, cancer, neurological conditions or respiratory conditions. If it’s discovered that you do not answer the questions truthfully, you’ll be responsible for the first $5,000 of any claim.

Does CAA Travel Insurance have any age restrictions?

Yes. Medical + Trip coverage is available to travellers age 84 and under. Trip Only coverage is available at any age.

Fiona Campbell is a Staff Writer for Forbes Advisor Canada. She started her career on Bay Street, but followed her love for research, writing and a good story into journalism. She is the former editor of Bankrate Canada, and has over 20 years of experience writing for various publications, including the Globe and Mail, Financial Post Business, Advisor’s Edge, Mydoh.ca and more.

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About CAA Travel Insurance

Product features.

Underwriter Notes

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A winter driver's best friend.

Get roadside protection you trust and go the extra mile with confidence., ways to save.

For many people, tow trucks and roadside assistance are the first things that come to mind whenever they hear the name CAA. There’s no problem with that. In fact, CAA takes pride in it. However, CAA is so much more than roadside assistance. From benefits like exclusive discounts when taking vacations to enjoying extra savings on home, auto, and travel insurance, there’s so much that CAA has to offer.  

Home Insurance

Protect your home and belongings with CAA Home Insurance all while saving 10%. 

Travel Insurance

Protect yourself and your loved ones by packing CAA Travel Insurance on your next vacation and save 10%.

Exclusive Savings

Enjoy exclusive deals, discounts, and special offers at your favourite retailers, restaurants, and hotels.

Exclusive member benefits, and best price guarantee on your travel bookings with CAA Vacations.

Shell More. Save More

Your CAA membership will effectively pay for itself because of the savings you'll earn from fuel purchases at Shell, only at participating locations, conditions apply.

Here’s how: One full tank each week:                                     80L Fuel Savings:                                                       3¢/L Weeks per year:                                                   52

Total Annual savings:                                       $124.80 /year!

Discover the CAA membership right for you

Grab your membership today and always go the extra mile

 For students & city dwellers

$ 9 .75 /   month

$105 annually.

4 Roadside Assistance Calls

CAA Rewards Save up to 30%

Towing To the nearest contractor or up to 5 km

Trip Accident $300 Accident only

For commuters and road trippers

$  14.42 /   month

$161 annually.

Towing To the nearest contractor or up to 160 km

Trip Accident $600 Accident only

For long-distance travellers

$  18.17 /   month

$206 annually.

5 Roadside Assistance Calls

Towing  Up to 160 km plus one tow up to 320 km*

Trip Accident $2,000 Accident only

Trip Interruption $600 breakdown

Add RV coverage for $31 (Plus or Premier Memberships)

Keeping You on the Go

A CAA membership provides you with the confidence you seek when you hit the road.  

☑️ Flat tires ☑️  Run out of gas ☑️  Car lockouts ☑️  Vehicle tows ☑️  Battery boosts

We've got you.

Easy to Use CAA App

The CAA mobile app not only allows you to skip the line and request roadside assistance immediately but also allows you to access your membership with the tap of a button.

Your Membership Awaits You

For roadside assistance you trust and savings you love, join the club. Memberships start at $8 a month.

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The membership price does not include tax. A Manual Renewal Processing Fee of $20 will be waived on automatic renewal payment option.  Towing will be restricted to 5 km during a 7-day waiting period for all new memberships.  Additional kilometers will be at the Member’s expense.   Coverage with indicated dollar amounts and numbers, are available as an annual limit per membership year. 2  See  membership handbook page 9 and 21 for more details. 4  Service is restricted to single dwelling entrances listed as the home address on the membership file and does not include main security doors. 

• Site Search

Welcome to CAA

Thank you for becoming a CAA member and joining our club. We're delighted to have you here and can't wait to show you how we can make your life easier and more enjoyable. With CAA, you can enjoy peace of mind on the road, explore new destinations with confidence, unlock a world full of savings, and protect your assets with the best insurance products. 

Manage your membership

Get the most out of your membership and manage it easily online.  

• Activate your online account
• Renew, upgrade, add family members  
• Set up Automatic Renewal 
• Switch to Paperless Billing (eBill) 
• Sign-up for our promotional emails

Create Online Account

Downloadable Resources:

Grab hold of some resources to help you understand your membership better.

• Membership Handbook
• Rewards Directory
• Beneficiary Designation Form
• Roadside Assistance - Terms of Service

Download the CAA Mobile App

Access your membership, request roadside assistance, and check out member-exclusive deals and discounts with the tap of a button. Some features you can get through the app:

• Request roadside assistance without having to wait on hold.
• Check and update your personal account information.
• Search for exclusive deals, discounts, and offers nearby.
• Find out locations of CAA stores and CAA Approved Auto Repair facilities.
• Get access to your digital CAA membership card and so much more!

Available on the App Store      Get it on Google Play

Shell More. Save More.

Your CAA membership will effectively pay for itself because of the savings you'll earn from fuel purchases at Shell.

Here’s how: One full tank each week:                                      80L Fuel Savings:                                                                3¢/L Weeks per year:                                                        52

Total Annual savings:                                            $124.80 / year!

Enjoy Exclusive Member Benefits

Use your CAA membership to enjoy valuable savings at your favourite retailers, shopping stores, restaurants, hotels, entertainment complexes, travel partners, and numerous other locations. 

Start Saving  

CAA Insurance

Enjoy life's precious moments with peace of mind. At CAA, we're passionate about protecting what matters most to you. Whether it’s home, auto, travel, life, or pet insurance, we've always got you covered. As a CAA member, you get exclusive savings on all your insurance needs.

• Home Insurance
• Auto Insurance
• Travel Insurance
• Health & Dental Insurance
• Pet Insurance

Embark on your next adventure with CAA Travel. Get the best value for your vacation and enjoy endless ways to explore the world. Join our community of happy travellers and start travelling with confidence!

• CAA Vacations
• WestWorld Tours
• Ocean & River Cruises
• Tours & Guided Vacations
• Travel Planning

Roadside Assistance

CAA takes pride in empowering the community to explore more with confidence. Whether it’s a family road trip or your daily commute to work, you can trust us to always have your back on the road.

From towing to battery boosts and fuel delivery to lockout services, no matter what the service, we’ve got you covered irrespective of you being the driver or the passenger.

How to request roadside assistance:

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Premier Membership

If you’re looking for VIP coverage, long-distance towing, and maximum benefits, then the Premier CAA membership plan is the one for you. In addition to providing certain exclusive features of its own, this fully loaded plan includes all the features present in the Plus and Basic tiers.

Buy a Membership   Compare Memberships

Members are eligible for 5 roadside assistance calls during their membership year

Take advantage of substantial savings at a wide variety of retailers throughout the world

Get your vehicle towed up to 160 kms, plus get one tow in a year of up to 320 kms

Roadside assistance for your bicycle if it lets you down

When needed, receive enough fuel (free of charge) to help you get to the nearest gas station

If you're locked out of your vehicle, call in to get essential locksmith services of up to $100

Members can get reimbursed up to $100 each membership year for home lockout services

Get reimbursed for certain expenses if your vehicle is disabled for more than 24 hours and you are 160+ km away from home.

If your vehicle is towed, get a free rental car for 2 days within 160 kms of your residence

Get up to $500 to transport your car back home in case an illness/injury hinders your trip

As a premier member, use a dedicated number (found on your card) to call for assistance

Roadside Terms and Conditions

Upgrade to Plus or Premier to get all membership benefits, plus roadside assistance, for your dual-wheel pickup camper, raised-roof van, motorhome, or recreational trailer (including the fifth wheel).

The perfect gift for any time of year. When you gift a CAA membership, you can be confident that your loved ones are protected.

Looking to save on quality maintenance and repair services? Head over to CAA's Car Care Centre and get access to the highest maintenance standards. Plus, as a member get 10% off.

Here's How You Can Be a CAA Member for Free

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CAA Saskatchewan Blog

*Towing will be restricted to 5 km during a 7-day waiting period for all new memberships.  Additional kilometers will be at the Member’s expense.