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• CAA Travel Insurance Review

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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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Travel Insurance is currently not available for Quebec Residents.

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Travel Insurance

The plan if things don’t go as planned

Top reasons to pack Scotia Travel Insurance

Consider a plan with All Inclusive coverage

Save on premiums if you only travel within Canada

Choose a plan that suits the way you travel

Emergency medical coverage includes 24-hour Medical Concierge benefit

Which insurance plan is right for you?

Travelling Canadians

Knowing you’re protected makes every journey more rewarding.

• Get up to $10 million CDN in emergency medical insurance
• Choose the coverage that suits you best: COVID 19 Pandemic Travel, Emergency Medical, Trip Cancellation/Interruption or All Inclusive Plans.
• Get further savings if you are a family

Student Plans

Medical insurance coverage for those studying abroad or within Canada.

• Up to $2 million CDN in emergency medical insurance
• Great for Canadian students studying in another province or country
• Ideal for international students studying in Canada
• If your school has medical insurance requirements, a Student plan may meet these requirements

Visitors to Canada

Explore Canada knowing you and your loved ones are protected.

• Flexible covered amounts available
• Emergency medical insurance for those up to 85 years old
• Available for singles, couples and families 1
• Great for visitors coming to Canada for an extended period

Helpful tools and resources

Packing for Your Vacation

Once you have chosen your destination, the next question is "what should I pack?".

Plan a Trip

Usually travel involves months of planning but sometimes it can be a spontaneous, last minute decision. Make sure you are prepared.

Protecting Your Home While You’re Away

Before heading out, deter intruders with this collection of tips and suggestions.

Need advice selecting a plan?

Frequently asked questions, why does any canadian travelling out of country need travel insurance if a traveller gets sick when travelling, won't their government health insurance plan pay for their medical expenses.

Please refer to the Government of Canada website for their recommendation on this matter:  https://travel.gc.ca/travelling/documents/travel-insurance

Is medical travel insurance necessary when travelling within Canada?

Government health insurance plans do have limits on the reimbursement of the emergency medical expenses incurred while in another province. For example, air and ground ambulance costs, emergency dental treatment and prescription drugs might not be covered outside your province of residence. For maximum protection, purchase additional medical coverage even while travelling within Canada.

In the case of a medical emergency I am supposed to call the Assistance Centre. What if I don't get a chance to do that - will I still be covered?

We ask you to call our Assistance Centre ( 1-877-372-2988 ) so that we can confirm your enrolment under the plan, and, with the healthcare provider, manage the benefits in accordance with your policy. By calling the Assistance Centre, you may avoid out-of-pocket expenses. If you do not call the Assistance Centre, you will have to pay 20% of the medical expenses normally covered under this insurance. If it is medically impossible for you to call, please have someone call on your behalf. It is your responsibility to ensure that the Assistance Centre has been notified.

Can coverage be extended during my trip?

If you are already on your trip, you can extend coverage by calling Customer Service provided there has been no claim, no injury, sickness, or symptom has occurred that would give rise to a claim, or a change in your health. In addition, you must request the extension before your coverage expires and pay the appropriate premium. If you have a medical condition or pending claim, approval of the extension of your coverage is subject to approval.

If you have a Multi Trip Plan,  you must top up your coverage before you leave home by purchasing an Emergency Medical Top-Up plan for the additional number of days beyond the duration provided by your Multi Trip.

COVID-19 Pandemic Travel Plan [To be kept within the Travelling Canadians section] 

What is covered if I need to quarantine at location, duration of coverage, maximums?

Scotia Travel Insurance offers a COVID-19 Pandemic Travel Plan, which offers coverage in the event of quarantine outside of Canada. Coverage is for expenses such as your additional and unplanned commercial hotel and meal costs. You may receive:

1.            Up to $200 per day to a maximum of $2800 per person; or

2.           Up to $400 per day to a maximum of $5600 per family if you purchase family coverage.

These amounts are in Canadian dollars and coverage is provided for up to 14 days. 

Does the COVID-19 Pandemic Travel Plan provide coverage with an “avoid non-essential travel" advisory, and if yes what happens if the Government changes it to a “avoid all travel"?

If on your departure date, an “avoid non-essential travel advisory” is in place for your destination, and your emergency or medical condition is unrelated to the travel advisory, you may submit your claim. Note: For claims due to Coronavirus (COVID-19) the “avoid non-essential travel advisory” does not apply.  Claims relating to treatment for Coronavirus (Covid-19) that you experience on a cruise, may be submitted if you are fully vaccinated. 

If the advisory changes to “avoid all travel”, and you departed prior to the date the travel advisory changed, you will continue to have medical coverage for COVID-19 and related complications for the full duration of your trip. Treatment for Coronavirus (Covid-19) that you experience on a cruise, may be submitted if you are fully vaccinated.

Are Polymerase Chain Reaction (PCR) tests that are required in destination or prior to returning home covered under the Pandemic Plan?

No, PCR tests, vaccines, immunizations, visas, passports, and other travel requirements are the responsibility of the traveller and are not covered under the COVID-19 Pandemic Travel Plan.

Is there trip cancellation coverage prior to departing Canada within the COVID-19 Pandemic Travel Plan?

The COVID-19 Pandemic Plan does not have any trip cancellation coverage. This plan includes emergency medical benefits and trip interruption benefits. You may also consider purchasing a Trip Cancellation/Interruption Plan. 

Does Manulife, the underwriter of the Scotia Travel Insurance program, pay upfront for medical, and/or quarantine benefits?

In the event of a medical emergency, insured individuals must contact The Assistance Centre, who will arrange direct billing of covered expenses, where possible. If you choose to pay eligible expenses directly, the Assistance Centre will reimburse you subject to the terms and conditions of the coverage. 

Can coverage be extended during my time abroad?

If you already have coverage, simply call Customer Service. You may be able to extend your coverage, as long as:

a. your period of coverage does not extend beyond 365 days;

b. you remain eligible for insurance under this plan;

c. we have received the extension requests prior to the expiry date of your existing polcy issued by us; and

d. there has been no change between single or family coverage.

For policy extensions, no losses or expenses or benefits will be paid for any illness or injury which first appeared, whether diagnosed or not, or for which treatment may or may not have been received, prior to the effective date of the extension of coverage under this policy.  If you have a medical condition or pending claim, approval of the extension is subject to the approval.

Hospital and medical bills can easily run into thousands of dollars. Would I need to pay up front if I had an accident while travelling?

As outlined under your plan, it is essential that you contact our Assistance Centre prior to receiving medical treatment. The Assistance Centre has existing relationships with certain medical providers all over the world to help ensure emergency situations are handled as smoothly as possible. Our Assistance Centre will communicate with your medical provider, arrange direct billing where possible and coordinate payment for the emergency service received.

What is the maximum number of coverage days under this policy?

Under this policy, the maximum number of coverage days is 365 days. Upon expiry of a policy that has been in effect for 365 days (366 days in a leap year), you may purchase another student policy for the following term if you are eligible for coverage.

Why do I have to call the Assistance Centre prior to receiving any medical treatment?

The Assistance Centre will explain coverage, monitor care, pre-approve treatment and confirm enrolment to the service provider and explain the coverage to healthcare providers to help ensure that medical services are provided in accordance with the benefits of your policy.

How can an applicant fill out an application if he/she is not in Canada or available to complete the application?

To apply for coverage, an applicant or someone on his/her behalf may complete and sign the Visitors-to-Canada application. If someone other than the applicant completes the application, that person must ensure that he/she has full authorization to apply on behalf of the application and full knowledge of the applicant’s health information to complete the application accurately. Any incorrect statements on the application may make the policy null and void.

Are refunds available?

A refund is available if you cancel the policy at any time before the effective date of insurance (minimum $25.00). When you obtain Canadian government health insurance plan coverage from a Canadian province or territory, or return home before the scheduled return date as per the confirmation, and no claim has been initiated or reported or assistance services have not been provided, refunds are available for the unused days of the trip (minimum $25.00).

We ask you to call our Assistance Centre so that we can confirm your enrolment under the plan and, with the health care provider, manage the benefits in accordance with your policy. By calling the Assistance Centre, you may avoid any out-of-pocket expenses. If you do not call the Assistance Centre, you will have to pay 20% of the medical expenses normally covered under this policy. If it is medically impossible for you to call, have someone call on your behalf. It is your responsibility to ensure that the Assistance Centre has been notified. See your policy for details.

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Travel insurance

The plan if things don’t go as planned

Top reasons to pack Scotia Travel Insurance

Consider a plan with All Inclusive coverage

Save on premiums if you only travel within Canada

Choose a plan that suits the way you travel

Emergency medical coverage includes 24-hour Medical Concierge benefit

Which insurance plan is right for you?

Travelling Canadians

Knowing you’re protected makes every journey more rewarding.

• Get up to $10 million CDN in emergency medical insurance
• Choose the coverage that suits you best: COVID 19 Pandemic Travel, Emergency Medical, Trip Cancellation/Interruption or All Inclusive Plans.
• Get further savings if you are a family

Student Plans

Medical insurance coverage for those studying abroad or within Canada.

• Up to $2 million CDN in emergency medical insurance
• Great for Canadian students studying in another province or country
• If your school has medical insurance requirements, a Student plan may meet these requirements

Helpful Tools and Resources

Before you embark on a vacation, business trip, or day's adventure across the border, be sure you are prepared with the proper documentation.

Once you have chosen your destination, the next question is "what should I pack?"

While travelling, your baggage contains everything you need. Naturally, if your bag is missing, stolen or damaged, it can cause you serious distress.

Need advice selecting a plan?

Frequently asked questions, why does any canadian travelling out of country need travel insurance if a traveller gets sick when travelling, won't their government health insurance plan pay for their medical expenses.

Please refer to the Government of Canada website for their recommendation on this matter:  https://travel.gc.ca/travelling/documents/travel-insurance

Is medical travel insurance necessary when travelling within Canada?

Government health insurance plans do have limits on the reimbursement of the emergency medical expenses incurred while in another province. For example, air and ground ambulance costs, emergency dental treatment and prescription drugs might not be covered outside your province of residence. For maximum protection, purchase additional medical coverage even while travelling within Canada.

In the case of a medical emergency I am supposed to call the Assistance Centre. What if I don't get a chance to do that - will I still be covered?

We ask you to call our Assistance Centre ( 1-877-372-2988 ) so that we can confirm your enrolment under the plan, and, with the healthcare provider, manage the benefits in accordance with your policy. By calling the Assistance Centre, you may avoid out-of-pocket expenses. If you do not call the Assistance Centre, you will have to pay 20% of the medical expenses normally covered under this insurance. If it is medically impossible for you to call, please have someone call on your behalf. It is your responsibility to ensure that the Assistance Centre has been notified.

Can coverage be extended during my trip?

If you are already on your trip, you can extend coverage by calling Customer Service provided there has been no claim, no injury, sickness, or symptom has occurred that would give rise to a claim, or a change in your health. In addition, you must request the extension before your coverage expires and pay the appropriate premium. If you have a medical condition or pending claim, approval of the extension of your coverage is subject to approval.

If you have a Multi Trip Plan,  you must top up your coverage before you leave home by purchasing an Emergency Medical Top-Up plan for the additional number of days beyond the duration provided by your Multi Trip.

COVID-19 Pandemic Travel Plan

What is covered if I need to quarantine at location, duration of coverage, maximums?

Scotia Travel Insurance offers a COVID-19 Pandemic Travel Plan, which offers coverage in the event of quarantine outside of Canada. Coverage is for expenses such as your additional and unplanned commercial hotel and meal costs. You may receive:

• Up to $200 per day to a maximum of $2800 per person; or
• Up to $400 per day to a maximum of $5600 per family if you purchase family coverage.

These amounts are in Canadian dollars and coverage is provided for up to 14 days. 

Does the COVID-19 Pandemic Travel Plan provide coverage with an “avoid non-essential travel" advisory, and if yes what happens if the Government changes it to a “avoid all travel"?

If on your departure date, an “avoid non-essential travel advisory” is in place for your destination, and your emergency or medical condition is unrelated to the travel advisory, you may submit your claim. Note: For claims due to Coronavirus (COVID-19) the “avoid non-essential travel advisory” does not apply.  Claims relating to treatment for Coronavirus (Covid-19) that you experience on a cruise, may be submitted if you are fully vaccinated. 

If the advisory changes to “avoid all travel”, and you departed prior to the date the travel advisory changed, you will continue to have medical coverage for COVID-19 and related complications for the full duration of your trip. Treatment for Coronavirus (Covid-19) that you experience on a cruise, may be submitted if you are fully vaccinated.

Are Polymerase Chain Reaction (PCR) tests that are required in destination or prior to returning home covered under the Pandemic Plan?

No, PCR tests, vaccines, immunizations, visas, passports, and other travel requirements are the responsibility of the traveller and are not covered under the COVID-19 Pandemic Travel Plan.

Is there trip cancellation coverage prior to departing Canada within the COVID-19 Pandemic Travel Plan? The COVID-19 Pandemic Plan does not have any trip cancellation coverage. This plan includes emergency medical benefits and trip interruption benefits. You may also consider purchasing a Trip Cancellation/Interruption Plan. 

Does Manulife, the underwriter of the Scotia Travel Insurance program, pay upfront for medical, and/or quarantine benefits?

In the event of a medical emergency, insured individuals must contact The Assistance Centre, who will arrange direct billing of covered expenses, where possible. If you choose to pay eligible expenses directly, the Assistance Centre will reimburse you subject to the terms and conditions of the coverage. 

Hospital and medical bills can easily run into thousands of dollars. Would I need to pay up front if I had an accident while travelling?

Is there trip cancellation coverage prior to departing canada within the covid-19 pandemic travel plan.

The COVID-19 Pandemic Plan does not have any trip cancellation coverage. This plan includes emergency medical benefits and trip interruption benefits. You may also consider purchasing a Trip Cancellation/Interruption Plan. 

Can coverage be extended during my time abroad?

If you already have coverage, simply call Customer Service. You may be able to extend your coverage, as long as:

a. your period of coverage does not extend beyond 365 days;

b. you remain eligible for insurance under this plan;

c. we have received the extension requests prior to the expiry date of your existing polcy issued by us; and

d. there has been no change between single or family coverage.

For policy extensions, no losses or expenses or benefits will be paid for any illness or injury which first appeared, whether diagnosed or not, or for which treatment may or may not have been received, prior to the effective date of the extension of coverage under this policy.  If you have a medical condition or pending claim, approval of the extension is subject to the approval.

As outlined under your plan, it is essential that you contact our Assistance Centre prior to receiving medical treatment. The Assistance Centre has existing relationships with certain medical providers all over the world to help ensure emergency situations are handled as smoothly as possible. Our Assistance Centre will communicate with your medical provider, arrange direct billing where possible and coordinate payment for the emergency service received.

What is the maximum number of coverage days under this policy?

Under this policy, the maximum number of coverage days is 365 days. Upon expiry of a policy that has been in effect for 365 days (366 days in a leap year), you may purchase another student policy for the following term if you are eligible for coverage.

Why do I have to call the Assistance Centre prior to receiving any medical treatment?

The Assistance Centre will explain coverage, monitor care, pre-approve treatment and confirm enrolment to the service provider and explain the coverage to healthcare providers to help ensure that medical services are provided in accordance with the benefits of your policy.

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Find a CAA Member Service Centre

Need to find us? We have several locations in Atlantic Canada to serve you... below you'll find contact information and hours of operation for the office nearest you.

New Brunswick

378 Westmorland Rd. Saint John, NB E2J 2G4

[email protected]

Phone: 506-634-1400 Fax: 506-653-9500

Member Services and Travel

Monday - Friday: 8:30 AM - 5:30 PM

Saturday: 10:00 AM - 2:00 PM

Home and Auto Insurance Services

Monday - Friday: 9:00 AM - 5:00 PM

For your convenience, please call ahead to book an appointment. 

If you are coming in to make an insurance payment, please be sure to bring your payment notice with you, our Member service team would be happy to assist.

62 Wyse Street Moncton, NB E1G 0Z5

[email protected]

Phone: 506-857-8225 Fax: 506-857-8761

Fredericton

Corbett Centre 5 Trinity Avenue Building B, Unit 2 Fredericton, N.B. E3C 0B7

[email protected]

Phone: 506-452-1987 Fax: 506-450-7100

Monday -Friday: 9:00 AM - 5:00 PM

Prince Edward Island

Charlottetown.

193 Minna Jane Drive Charlottetown, PE C1E 0C4

[email protected]

Phone: 902-892-1612 Fax: 902-368-3599

Nova Scotia

202 Chain Lake Drive Halifax, NS B3S 1C5

[email protected]

Phone: 902-450-4222 Fax: 902-450-2350

330 John Savage Ave. Dartmouth, NS B3B 0L7

[email protected]

Phone: 902-468-6306 Fax: 902-468-6303

Newfoundland and Labrador

St. john's.

55 Kelsey Drive St John's, NL A1B 5C8

[email protected]

Phone: 709-579-4222 Fax: 709-579-4607

1 866 848 8836 ________ Apply Now

Medavie Blue Cross Agents | MacLellan Moffatt

Health, travel, and life insurance for Atlantic Canadians

Medavie Blue Cross Travel Insurance

You never know when an accident or medical emergency will happen. If it happens while travelling, it can end up costing you thousands of dollars. If you don’t have the right protection, that’s not the souvenir to take home from your vacation.

Our Medavie Blue Cross travel insurance products are designed to provide peace of mind to Atlantic Canadians when travelling.

As travel insurance advisors, we work with most of the travel insurance carriers in Canada including Blue Cross and Manulife. That means we shop on your behalf for both price and quality.

Don’t rely on your credit card insurance or group insurance coverage. Be sure to pack one of our travel insurance plans in your bag before you leave home.

Emergency Medical Travel Insurance Plan Features

If you only travel once a year, or if you have many trips scheduled, we are here to help!

Travel insurance plans include coverage for:

• Single or Multi-Trip Plans
• Coverage for COVID-19
• $5 to $10 million for emergency medical care
• Hospitalization fees
• Ambulance (Ground or Air Transportation)
• Prescription drugs required to treat emergency situations
• Professional fees for nurses, physicians and other health care professionals for emergency medical treatment
• Emergency dental treatment as a result of an accident
• Emergency repatriation by air ambulance or commercial flight with a medical escort
• Return of your traveling companion and/or family members covered by the same policy

Non-Medical Travel Insurance

Not all emergencies and expenses are medical. You can also get coverage for these situations.

• Trip Cancellation: for pre-paid travel fees if your trip gets unexpectedly cancelled before departure
• Trip Interruption: for pre-paid travel fees if your trip gets unexpectedly cancelled after departure
• Baggage Insurance: for lost, stolen or damaged baggage
• Accidental Death & Dismemberment: in case of death or loss of limbs due to an accident while travelling

How to Check Your Current Travel Insurance Coverage

Not sure what you’re covered for? Check the extent of insurance coverage on your credit card. Pay particular attention to these items:

Travel Duration

Some institutions limit the length of stay based on age. If you are a snowbird wintering south, you may not be covered.

Emergency Medical Care Coverage

Check the eligibility requirements for your coverage. Do you have a chronic illness or a pre-existing condition? Your condition may have to be stable for more than 6 or 12 months, depending on your age. Sometimes, only a percentage of total emergency medical care costs may be reimbursed. As well, indemnities are subject to a deductible and you may need to pay for services up front, and then be reimbursed.

Trip Cancellation or Interruption

Be sure to verify what the limits are for trip cancellation and interruption. For example, many gold cards limit coverage to $2,000 – not enough to cover a 3 or 4 week trip abroad. Very few group plans provide these benefits.

Many credit card plans and group plans, do not include coverage for baggage. If they do, they usually have very low maximum coverage amounts.

Protect Your Travel Investment

If your group or credit card insurance is limited, we can enhance your coverage with additional travel insurance. One way or another, it is likely your supplemental coverage will take over in the event of an accident or illness.

If you’re in Nova Scotia, New Brunswick, Newfoundland, or Prince Edward Island, contact one of our travel insurance specialists to help you choose the travel insurance coverage you need.

Is your child travelling for their education? Protect them with medical insurance for Canadian students studying abroad.

1-844-554-0525

Current customers, 1-855-726-8627.

Munn Insurance is pleased to offer CAA Members peace of mind for the road ahead with a complete suite of exclusive savings and benefits. If you’re a CAA Member, call 1-844-958-2181 today and save with Munn Insurance.

Munn Insurance is CAA’s Preferred Insurance Provider in Newfoundland.

Benefits available to you.

• CAA Members can SAVE up to 20% on Auto and Home Insurance
• Access to multiple insurance markets; knowing you get the best coverage at the best rate
• Confidence and security of being a member of a preferred group
• Local, fast and efficient 24/7 Claims Service
• Legal Assistance
• Health Assistance
• Home Repair Assistance
• Mortgage and Real Estate Assistance

Being part of our Special Groups means we will protect you with the right insurance for your needs, while providing exceptional discounts and benefits. Call us today toll-free 1-844-554-0525.

Putting Money Back in Your Pocket

Munn Insurance saves you money, by shopping the insurance markets for you and then providing access to special discounts for the following:

• Bundling (auto + home discount)
• Multiple vehicle discounts
• Experienced drivers
• Safe drivers
• Claims free
• Loyalty discount
• and many more

As your broker we work for you, not the insurance company, and we won’t stop until we find you the best coverage at the best rate.

Unique benefits of a Munn Insurance auto policy.

Great additional features that come standard with your automobile policy from Munn Insurance:

• Unbeatable customer care – we will show you the love
• Easy monthly payments – unparalleled convenience
• Discounts, discounts and more discounts – too many to list them all
•  Accident forgiveness – the best available
• Local, fast and efficient 24-7 claims service
• Combine your home and auto policy and save on both – most companies only give the home discount
• Industry leading new vehicle 30-month depreciation waiver – which is insurance speak for “more money in your pocket!”

Unique benefits of a Munn Insurance home policy.

Great additional features that come standard with your home policy from Munn Insurance:

• Overland water coverage – the best that is available
• Ability to extend your coverage to include your cabin/cottage or second dwelling
•  Local, fast and efficient 24-7 claims service

If you’re a member of one of our Special Groups, call us today to start saving!

New Sales 1-844-554-0525

Current Customers 1-855-726-8627

Start Saving Today

For all that you do., munn provides more choice and savings for all your insurance needs., business insurance, auto insurance, home insurance, group insurance, leisure insurance.

For  Emergency Claims Service  call  1-855-726-8627

Toll-Free 1-855-726-8627

121 Kelsey Drive, Suite 100, St. John’s, NL A1B 0L2

HOURS OF OPERATION

Monday – Friday    8:30 a.m. – 4:30 p.m.

Weekends    Closed

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Home and auto.