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Is BCAA travel insurance good? Updated Review 2024

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BCAA Travel Insurance offers comprehensive and flexible travel insurance suitable for various travel needs, including individual and family plans.

Whether you're heading on a quick trip within Canada or to the USA or a long vacation to Europe or Asia, BCAA travel insurance has you covered with affordable options starting at $20 per trip. It offers extensive emergency medical and COVID coverage up to $10,000,000, trip cancellation and interruption insurance, free coverage for your kids, and more.

So what does BCAA travel insurance cover? Does it offer coverage for seniors? What are its pros and cons? What does it cost? How to get a BCAA travel insurance quote? Who is it best for? Find out all this in our comprehensive review.

BCAA Travel Insurance: Key Takeaways

• BCAA Travel Insurance plans start at just $20
• Up to $10,000,000 Emergency Medical and COVID-19 Coverage
• Comprehensive Single Trip and Annual Multi-trip Plan options
• Your kids are automatically covered for free
• BCAA members save 10% on premiums, and an additional 10%* as a loyalty discount
• Automatic payouts for flight and baggage delays
• One of BC's most trusted travel insurance brands
• You can get BCAA travel insurance quotes online

Our BCAA Travel Insurance Review

BCAA Travel Insurance is offered by BCAA which has been serving Canadians for over 80 years . BCAA provides a range of flexible travel insurance plans tailored to various travel needs of both Canadians travelling abroad and visitors to Canada . It provides affordable coverage starting at just $20 per trip.

BCAA travel insurance policy offers up to $10,000,000 in Emergency Medical and COVID-19 Coverage which is much higher than several other providers like Blue Cross travel insurance and CAA which offer up to $5 million. It offers both single-trip and annual multi-trip plans, and automatic and free travel insurance coverage for your children when both parents are insured.

If you're a BCAA member, you enjoy an instant 10% discount on premiums, with an additional 10% loyalty discount available. BCAA travel plans also include automatic payouts for flight and baggage delays , making it a convenient choice for travellers. You get access to 24/7 virtual care and worldwide medical assistance .

For visitors to Canada, the Travel Emergency Medical Insurance plan provides up to $300,000 for emergency treatments , including hospitalization, prescription drugs, and dental services. The coverage for visitors is higher than most providers like CAA travel insurance which has a limit of $150,000.

The Trip Protection Coverage plan offers reimbursement for trip cancellations, interruptions, airline delays, and baggage loss or delay, with automatic payouts for delays, including COVID-19 quarantine expenses .

What also makes CAA stand apart is the optional pre-existing condition coverage of up to $300,000 making sure those who are otherwise rejected by other insurers get coverage. There is also no age limit for BCAA travel insurance ensuring there's comprehensive coverage for seniors.

Expert advice

BCAA Travel Insurance is ideal for families, seniors, and frequent travellers seeking comprehensive travel coverage and reliable customer service . It's particularly beneficial for BCAA members who can take advantage of the discounts and loyalty rewards. It's also a great choice for those with pre-existing conditions, and those travelling with children who get free travel insurance.

Pros of BCAA Travel Insurance Canada

• BCAA offers budget-friendly travel insurance plans
• Up to 10,000,000 Emergency Medical + COVID-19 coverage
• Conveniently spread your payment across months in case of a tight budget
• BCAA travel insurance is also available to seniors - No age limit
• Coverage for pre-existing conditions
• BCAA travel insurance reviews are positive for customer service and easy claims handling
• Get BCAA travel insurance quotes online
• BCAA members get a 10% discount and could qualify for an additional 10% loyalty discount
• You can insure trips as long as 365 days
• Pet Boarding coverage is available

Cons of BCAA Travel Insurance Canada

• Medical questionnaires and exams if you are above 60
• No coverage for adventure and extreme sports activities
• Only BCAA members get special discounts on travel insurance plans

Before choosing BCAA travel insurance, compare other options and quotes. A little shopping around can help you to save money and find coverage that fits your needs. Use our free tool below to compare travel insurance quotes from Canada's best providers.

Compare the best travel insurance plans on the market!

What does BCAA travel insurance cover?

BCAA travel insurance offers three types of plans to meet all your travel needs. Here are the key details:

1. Travel Emergency Medical Insurance

• Coverage Limit: Up to $10,000,000 per person, per trip.
• Included Services: Hospital, physician, ambulance services, and more.
• 24/7 Virtual Care: Access medical help anywhere in the world.
• Worldwide Medical Assistance: Direct payment to medical providers whenever possible.
• Pre-existing Condition Coverage: Optional coverage up to $300,000 for unstable conditions.

2. Visitors to Canada Travel Emergency Medical Insurance

• Coverage Limit: Up to $300,000 for emergency medical treatment.
• Emergency Medical Services: Coverage for hospitalization and emergency treatments.
• Prescription Drugs: Cost covered during hospital stay and a 30-day supply post-discharge.
• Dental Services: Coverage for emergency dental expenses.
• 24/7 Virtual Care: Medical help anywhere in the world.

3. Trip Protection Coverage

• Coverage: Trip cancellation, trip interruption, airline delays, baggage loss or delay.
• Trip Cancellation & Interruption: Recover pre-paid travel fees if the trip is cancelled or interrupted.
• Baggage Insurance: Coverage for loss, damage, or theft of personal items.
• Travel Accident Coverage: Covers death, dismemberment, or loss of sight due to an accident.
• Travel Delay +AutoPay: Automatic payouts for flight and baggage delays, including COVID-19 quarantine expenses.

Good to know

BCAA offers both single and multi-trip options for you to choose from.

• Single Trip Plan : Ideal for travellers taking one or two trips a year; provides comprehensive protection for a single trip.
• Annual Multi-Trip Plan : Perfect for frequent travellers; offers year-long protection for multiple trips, based on the length of the longest trip.

Additional Benefits

• Pre-existing Condition Coverage: Optional coverage up to $300,000.
• Kids Go Free: Kids are covered at no extra cost when both parents are insured.
• 24/7 Emergency Assistance: Available anytime, anywhere.
• Travel Delay Coverage: For flight delays over 4 hours or baggage delays over 6 hours.
• Worldwide Virtual Care: 24/7 access to medical help.

For more information on BCAA travel insurance policy, download the PDF below:

Here's a quick table on the BCAA Travel Insurance coverage

Before you explore travel insurance plans, you must also check the coverage offered on your credit card. Most Canadian credit cards from top providers offer insurance benefits. You can use our free tool to check the credit card travel insurance benefits on your card.

Does BCAA cover COVID-19-related travelling issues?

BCAA offers up to $10,000,000 for COVID-19-related medical costs outside of Canada for vaccinated policyholders . Vaccinated Visitors to Canada are also covered. The amount depends on the purchased travel insurance plan.

Key aspects of the BCAA travel insurance COVID coverage are:

• Emergency Medical Coverage: Up to $10,000,000, including COVID-19.
• Trip Cancellation and Interruption: Covers non-refundable travel costs due to COVID-19.
• Travel Delay + AutoPay: Automatic payouts for delays due to COVID-19 quarantine.
• Quarantine Expenses: Coverage for mandatory quarantine costs.
• Pre-existing Conditions : Optional coverage for COVID-19-related complications.

BCAA travel insurance pre-existing conditions coverage

BCAA offers coverage for pre-existing medical conditions, provided the conditions are stable before travel. Up to $300,000 in optional coverage is available for unstable pre-existing conditions.

BCAA travel insurance for seniors

BCAA provides comprehensive travel insurance tailored for seniors, including emergency medical coverage up to $10 million, 24/7 emergency assistance, and coverage for pre-existing medical conditions which seniors are more likely to have.

You can explore the best travel insurance for seniors in our comprehensive guide.

BCAA travel insurance pregnancy coverage

BCAA covers emergency medical expenses related to pregnancy up to 31 weeks , provided the pregnancy is not considered high-risk. This includes unexpected complications and necessary medical treatments while travelling.

How much is BCAA Travel Insurance?

BCAA travel insurance plans start from as little as $20. Here are sample BCAA travel insurance quotes we obtained on July 31, 2024:

BCAA Travel Insurance Cost depends on several variables like:

• Your desired coverage and options.
• Your deductible.
• Your waiting period.
• Your destination(s).
• The length of your trip.

Therefore, we advise you to get a customized BCAA travel insurance quote for accurate rates.

Before settling on BCAA, check out other travel insurance plans, coverages and prices using our free comparison tool below. Compare free travel insurance quotes online and get instant results with our free HelloSafe tool.

How to get a BCAA travel insurance quote?

You can get a BCAA travel insurance quote easily online, via phone, or in person. Here's how:

• Online: Visit the BCAA travel page, click "Get a Quote," enter your trip details, and review your quote.
• Phone: Call BCAA at 1-888-268-2222, provide your trip details, and receive a quote from a representative.
• In-Person: Visit one of the BCAA travel insurance offices, discuss your travel plans with a representative, and get a quote on the spot.

How to claim BCAA travel insurance?

There are several convenient options for making a BCAA travel insurance claim. Follow the steps below to ensure a smooth claims process.

Online Claims

• Visit the Global Excel Management (GEM) website .
• Create or log in to your account to start your claim.
• If you've already started a claim, you can check the status online here .

Email Claims

• Send your claim details to [email protected] .
• To check your claim status or provide more information, email BCAA Claims Assistance at [email protected] .

Phone Claims

• Call 1.833.560.0522.
• Call 800.083.0811.
• Dial 800.464.71111.
• To use this service, first dial the international access code for Canada, then enter the 11-digit toll-free number. Note: Service may not be available in all countries.
• Call 519.325.1567.
• To make a collect call, contact the operator in the country you're in and request to make a collect call. If you have difficulty reaching BCAA, call directly at 1.519.325.1567, and BCAA will reimburse the call.

BCAA travel insurance Google reviews and other feedback from customers are largely positive. BCAA has a strong reputation for customer service and reliability. Many users report satisfaction with the prompt and efficient handling of claims​.

How can I contact BCAA travel insurance?

You can contact BCAA by phone, filling up an online form, or walking into one of the BCAA travel insurance offices.

• Phone: Call their expert advisors at 1-888-268-2222. Available Monday to Friday from 8:00 am – 6:00 pm and Saturday from 9:00 am – 5:00 pm.
• In-Person: Visit one of 29 locations across BC. Walk-ins are welcome and encouraged. Limited appointments are available for booking online.
• Online Form: For non-urgent enquiries, fill out the Contact Us form on the BCAA website, and a representative will get back to you.

Detailed Coverage of BCAA Travel Insurance Plans

Based on the provided document, here are the coverage details under each BCAA travel insurance plan, structured into separate tables:

2. Trip Protection Package

3. visitors to canada travel emergency medical insurance.

Nishadh Mohammed is a seasoned news editor and financial writer, working with HelloSafe since May 2023. Nishadh has developed expertise in financial markets, insurance, and investment products, with a deep understanding of the Canadian financial landscape. He has honed his SEO skills and content marketing strategies while writing for Canadian publishing houses. Armed with a master's in Business Analytics and extensive journalistic experience, Nishadh uniquely combines data proficiency and thorough research to deliver comprehensive and accessible information.

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Six tips to protect your trip with travel insurance

The cost of medical care can be much higher outside of Canada, exceeding the amount BC’s Medical Services Plan (MSP) will cover. That’s why the provincial government recommends buying private travel insurance for any trip outside of BC , through a provider like BCAA.

BCAA Travel Insurance is BC’s top choice, providing coverage and protection for unexpected medical expenses, including costs for physician and hospital care, prescriptions, ambulance services and transportation back to BC. Plus, you have the option to round out your coverage with optional add-ons, depending on your needs.

Here are our six top tips on how to cover your travels from the unexpected:

Tip 1: Choose the right plan for your trip

Consider your upcoming travels and if you need coverage for just one trip, or multiple. From there, based on the trips you’re planning, you can determine if you need either (or both!) emergency medical coverage and protection to cover trip cancellation and interruption costs, lost baggage and more.  

Find out how to find the best travel insurance for your travel needs.

Tip 2: Get coverage before you travel

Don’t wait to get insurance after you get off the plane or cross the border – be sure to buy before you leave BC as some providers don’t allow coverage to be purchased after you’ve already left, or some may apply coverage waiting periods. Since it only takes a few minutes to buy online at bcaa.com/travel , make BCAA Travel Insurance one of the first things you check off your vacation planning to do list.

Tip 3: Check your policy to know exactly what your travel insurance covers

Ask yourself: is this travel insurance the right coverage for me? Will your policy cover emergency expenses if you get sick or injured? How about if your airline changes or cancels your flights?  Or if you have to change your travel plans? Will your insurance cover you for loss, damage or theft of your baggage or valuables?  

Make sure you’re getting top quality care by reading the Guide to Travel Health Insurance from the International Association for Medical Assistance to Travellers. Their guide seeks to answer a common traveller question: "Where can I find travel health insurance and what should I look for?".

Tip 4: Understand your health status

Many insurance providers require completion of a health questionnaire if you’re over a certain age. This allows you to get a rate specific to your health status. Be sure to answer the questionnaire accurately, even consulting with your health care provider if needed.

If you don’t and something happens on your trip, your insurer may impose a costly deductible or deny your claim altogether. Although not required by BCAA, some providers need you to update your policy if your health status changes throughout your policy term, so pay close attention to the conditions specific to your coverage.

Tip 5: Get extra coverage if you need it

Now that you have a good understanding of your health status, consider add-ons if you need them. For example, no matter your age, if you have any unstable pre-existing medical conditions, BCAA Travel Insurance offers up to $300,000 in extra coverage. Not sure if your condition is considered stable? Review the stability periods in the policy wording at bcaa.com/wordings .

Tip 6: Keep the Receipts!

If you need to make a claim, make sure you keep all receipts and documents related to the incident, including medical bills, police reports and receipts for lost or stolen items. These documents will help speed up the claims process.

In the event you do need to make a claim, you can find helpful information, including convenient ways you can file a claim at bcaa.com/travelclaims . Or, even better, add your policy to your digital wallet through the link on your policy confirmation email.

Why BCAA is the right choice for your travel insurance

Based in British Columbia, BCAA understands BC travellers. Not only are we BC’s Top Choice for Travel Insurance , but we’re also BC’s Most Trusted Insurance Brand*. With BCAA you get $10 million in emergency medical coverage, access to 24/7 Virtual Care options and FREE coverage for your kids**. Plus, BCAA Members save 10% † . Buy online in minutes at bcaa.com/travel . Safe travels!

BC’s Top Choice for Travel Insurance based on a third party market share study of responses from approximately 1,500 British Columbians per month; BCAA is consistently selected by the highest proportion of British Columbians for where they purchased their travel insurance. *BCAA, in association with CAA, was ranked the #1 Most Trusted Insurance Brand in Canada by the 2022 Gustavson Brand Trust Index. **Dependent children are free on family policy with two paying adults. Adults must be age 59 or younger. Policy terms and conditions apply. †BCAA Member savings on insurance products are only available with Basic, Plus, or Premier Membership plans. For full details, please visit bcaa.com/plans  

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How To Get Pre-Existing Conditions Covered By Travel Insurance

Updated: Oct 4, 2023, 7:04am

Table of Contents

What is a pre-existing condition for travel insurance, how to get coverage for a pre-existing condition, which travel insurance companies offer coverage for pre-existing medical conditions, pre-existing conditions not eligible for a coverage.

You’re planning a once-in-a-lifetime trip to Europe with your parents to celebrate their 40th anniversary. You know that travel insurance is important in case of a medical emergency, but you’re worried about getting coverage for your father because of his diabetes. You’ve been told that most standard travel insurance policies won’t offer coverage for this and other pre-existing medical conditions unless he meets certain requirements.

While your father’s diabetes is controlled, you know it’s risky to purchase a policy knowing his diabetes might not be covered if he requires treatment while travelling and you need to file a claim.

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Rest assured, there are options for travellers with pre-existing conditions to ensure they are eligible for reimbursement if they encounter health issues during your trip.

In general, a pre-existing condition is defined as any sickness, injury or medical condition that existed before the start of your coverage, whether or not diagnosed by a physician, that you showed signs or symptoms of or received medical attention for.

Each insurance company will have its own requirements, typically of seven, 30, 80, 180 or 365 days, that your condition must remain “stable” or unchanged before your coverage takes effect. This is either the day you leave on your trip (for emergency medical or trip interruption) or the day your policy takes effect (for travel coverage, such as trip cancellation).

While each insurer has its own definition, essentially a medical condition or injury is considered “stable” when all of the following are true:

• There has been no deterioration of the medical condition.
• There have been no new symptoms or more frequent symptoms.
• There has been no change in treatment or alteration of medication.
• There has been no treatment received, prescribed or recommended by a physician or other registered medical practitioner.
• There is no pending lab results or diagnostics.
• There has been no hospitalization or referral to a specialist.

Travel insurance companies normally exclude pre-existing conditions from coverage, which ranks among the most frequent reasons for denial of travel insurance claims. What’s more, you don’t need an official diagnosis from a health care professional to have something designated a pre-existing condition for travel insurance purposes. If your medical record reveals you reported symptoms of a condition that was later diagnosed, that is enough to have that condition deemed ineligible for coverage.

To determine what qualifies as a pre-existing condition, a travel insurance company can review your medical records for the stipulated number of days before the day the policy was purchased. If you had any changes in your medical status during that period, such as a new diagnosis, a decline in health or the addition of new prescription medication, the condition will be considered pre-existing.

For example, say you were diagnosed with and prescribed medication for high blood pressure on January 15 and you plan to take a trip to Mexico on March 19, or 63 days later. Based on your age, your travel insurance provider requires a 30-day stability period before you leave on your trip for your condition to be covered for emergency medical insurance. As long as your symptoms and treatment of your high blood pressure do not change during that time, it should be covered by your medical insurance.

However, if, for example,  you receive a change of dosage of medication, either an increase or decrease, during those 30 days, your condition is now not considered stable and will be ineligible for reimbursement without additional coverage. Keep in mind that you are still eligible for medical treatment if something else happens on your trip even with a medical exclusion. For example, if you fall down some stairs and break your wrist, those medical expenses are covered.

Without pre-existing condition coverage, a travel insurance company won’t pay for medical bills or claims related to your recent medical history if you require emergency treatment due to that condition.

But don’t panic. If you’re looking for travel insurance that offers comprehensive coverage regardless of your medical history, there are several coverage options for travellers with a pre-existing conditions. Keep in mind that not all insurers offer these options.

Pre-existing medical condition waiver : If you purchase your policy within a set timeframe, you insure the full nonrefundable costs of the trip and you’re able to travel on the date of purchase, this waives any pre-existing condition exclusions. There is typically no extra cost for the waiver.

Individual underwriting: Some insurance companies offer a separate and personalized individual underwriting application option where you complete a more detailed medical questionnaire and then the medical underwriter reviews your responses and, if approved, you are provided with  customized travel insurance coverage.

Reduction of stability period: Typically sold as an add-on (also known as an endorsement or rider), this option reduces the amount of time that your pre-existing condition needs to be considered stable before being eligible for coverage. There is typically a maximum benefit amount that is lower than the emergency medical benefit payout. For example, AMA Travel Insurance offers $5 million in emergency medical, but a maximum of $200,000 in coverage for the pre-existing conditions rider.

Pre-existing condition exclusion: A pre-existing condition can push up the price of your insurance significantly. In addition to a reduction of stability period option, Tour+Med offers an innovative Optional Exclusion option where you can  exclude an organ or complete system that’s affected by the pre-existing condition in return for a lower premium. For example, if you have asthma that does not meet the “stable and controlled” conditions, you can choose to have your asthma excluded, which would also exclude the entire respiratory system. So if you were to get sick with bronchitis, that also would not be covered.

Personalized pre-existing conditions packages : Some insurers feature customized packages for travellers (often over a certain age) with coverage for pre-existing medical conditions. Rather than purchase this as an add-on to an existing insurance policy, this is a separate policy, such as Manulife’s TravelEase insurance coverage or RBC Insurance’s TravelCare package.

While pre-existing conditions are an exclusion for all standard travel insurance policies, these travel insurance companies offer the following coverage options:

• AMA Travel Insurance : Pre-Existing Condition Rider that offers up to $200,000 in emergency medical coverage and reduces the stability period to seven days.
• BCAA Travel Insurance : Optional Pre-Existing Condition coverage that offers up to $300,00 in emergency medical coverage and reduces the stability period to seven days.
• Pacific Blue Cross : Optional Pre-Existing Condition Benefit offers coverage for pre-existing conditions and reduces the stability period to seven days.
• CAA Travel Insurance: Pre-Existing Condition Rider that offers up to $200,000 in emergency medical coverage and reduces the stability period to seven days.
• Desjardins Travel Insurance : Stable for 3 Months add-on reduces your stability period from 182 days to 90 days.
• Goose Travel Insurance : Unstable Pre-Existing Medical Condition endorsement shortens your stability period to seven days.
• Manulife Financial: TravelEase insurance package covers many fully disclosed pre-existing medical conditions with up to $5 million in benefits.
• Medipac Travel Insurance : Individual Underwritten Application for travellers who do not otherwise qualify for standard coverage.
• RBC Travel Insurance : For travellers over age 75, the TravelCare package may cover pre-existing conditions, depending on your answers to a medical questionnaire.
• Scotiabank Travel Insurance : Individual Medical Underwriting Plan for travellers of any age who would like their pre-existing medical conditions covered with no stability requirements.
• Tour+Med : For travellers under 86 years old, a Reduced Stability Period option reduces the stability period from three months to 30 days before departure (for travellers under age 69) and from six months to 30 days (for travellers 70 to 85 years old). There’s also an Optional Exclusion option to remove an organ or complete system from coverage.
• Travel Guard : Pre-existing Medical Condition Exclusion Waiver that waives any pre-existing medical condition exclusion if the policy is purchased within 15 days of the initial trip payment, any additional payments are insured within 15 days of purchase and you are medically able to travel when you pay your premium.
• TravelSafe : Pre-existing Medical Condition Exclusion waiver that waives any pre-existing medical condition exclusion if the policy is purchased within 21 days of the initial trip payment, all prepaid costs are insured and any additional payments are insured within 21 days of purchase and you are medically able to travel when you pay your premium.
• TuGo : Unstable Pre-Existing Medical Condition add-on that can be purchased in addition to the emergency medical insurance plan that provides coverage for a pre-existing medical condition that was not stable up to seven days before your departure date.

The terms and conditions vary by company, so be sure to read your policy carefully. Most insurers offer a minimum 10-day right to examine period where you can review your policy to ensure it meets your needs and cancel for a full refund if you’re not completely happy.

Even with a waiver or optional endorsement, some conditions likely won’t be covered by travel insurance, such as:

• Alzheimer’s disease or dementia
• Anxiety, depression or other mental health disorders
• Complication-free pregnancy or childbirth
• Illness or injury related to alcohol or drug abuse
• Heart conditions treated with nitroglycerin
• Lung conditions treated with prednisone or prednisolone

In addition, some insurance companies have a list of medical conditions that make you ineligible for coverage, especially over a certain age. For example, travellers over age 55 hoping to get Blue Cross Travel Insurance are ineligible for coverage if they:

• Have received medical advice not to travel
• Suffer from a medical condition in a terminal stage
• Suffer from kidney failure treated with dialysis
• Have been diagnosed with or treated for metastatic cancer in the last five years
• Have been prescribed or treated with home oxygen in the past 12 months

The Bottom Line

Be sure to carefully read the fine print of your travel insurance policy (especially the exclusions section) to see what’s covered and what’s not when it comes to pre-existing conditions, or ask your travel insurance agent or broker for help. Also, be aware of the policy’s limits for travel medical insurance and medical evacuation coverage, to avoid any surprises.

Also, even if you’re worried about not being offered coverage due to a pre-existing condition, be sure to answer the medical or health questionnaire completely, honestly and accurately. Most travel insurance companies reserve the right to deny or limit your coverage reimbursement if you are found to have lied or omitted information on your questionnaire.

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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.

Aaron Broverman is the lead editor of Forbes Advisor Canada. He has over a decade of experience writing in the personal finance space for outlets such as Creditcards.com, creditcardGenius.ca, Yahoo Finance Canada, Nerd Wallet Canada and Greedyrates.ca. He lives in Waterloo, Ontario with his wife and son.

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Phishing email alert:  BCAA has identified an online phishing scam targeting its Members and customers. The scam falsely claims to be from CAA and AAA, offering a ‘Car Emergency Kit’ as a prize and instructing recipients to click a link and provide personal information to claim it.  Learn more .

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Enjoy Your Trip With 24/7 Virtual Care & More

Travel emergency medical insurance, get covered for the unexpected whether it’s one trip or multiple trips a year., single trip.

Staying close to home this year? This is the most economical way to protect yourself from costly medical bills, if you only plan to travel once or twice a year. 

Annual Multi-trip Plan

Set it and forget it. This plan covers you all year long. Just tell us the amount of days you’ll be away on your longest trip and you’ll be covered for all the other ones in between. Recommend if you take 2 or more trips within a year.

Key Features

Get comprehensive coverage of up to $10,000,000 CAD per person, per trip, including hospital, physician, ambulance services and more.

Kids Go Free

When you and your partner buy travel insurance, your kids are automatically covered for FREE*.

24h Emergency Assistance 

Our advisors are available anytime, anywhere. Call toll-free from anywhere in the world, 24 hours a day, 7 days a week.

24/7 Worldwide Virtual Care

Get the medical help you need wherever you are in the world, with 24/7 virtual care*.

Worldwide Medical Assistance

Have the freedom to choose your preferred medical provider. Plus, whenever possible we will pay your medical provider directly, so you aren’t out of pocket.

Additional Features

Pre-existing condition coverage.

Get up to $300,000 CDN in optional coverage for unstable pre-existing conditions

Trip Protection Package

Coverage for trip cancellation, interruption, airline delays, baggage loss or delay and more.

Baggage Coverage

Protect your bags from walking away. This plan covers loss, damage or theft of your baggage, personal effects and currency.

Travel Delay +AutoPay

Get automatic payouts for flight and baggage delays to make your delay more comfortable with Travel Delay +AutoPay. Plus, get coverage for COVID-19 quarantine expenses.

How Can You Save with BCAA?

Membership savings.

BCAA Members save 10% on any new policy.*

Kids Go FREE

Children are automatically covered for FREE on family plans.*

Loyalty Discount

Save an additional 10% on any Annual Multi-trip policy you've held for 3 years or more.

Deductible Options

A deductible is the amount you need to pay in the event of a claim. Increase the deductible and you'll save even more on your policy.

Bundle Coverage

The Trip Protection Package bundles several optional coverages for a reduced cost.

Why Choose BCAA Travel Insurance?

We understand the unique needs of BC travellers heading out of province on short vacations, multiple trips throughout the year or those visiting Canada.

Valuable Ways to Save

Get FREE coverage for your Kids, plus BCAA Members save 10%*. You'll also save up to an additional 10% with our loyalty discount.

BC’s Most Trusted Insurance Brand

British Columbians consistently rank BCAA as BC’s Most Trusted Insurance Brand**.

Saving the Day

Our emergency claims team is always ready to help 24 hours a day, 365 days a year anywhere in the world.

Trusted Experts

Our expert advisors will help you choose the right coverage for you. With options for pre-existing conditions, travel cancellation, lost baggage and more.

Planning a Trip? We’ve Got Your Back.

Helpful info on BCAA Travel Insurance and COVID-19

Offering expert advice, useful articles, inspiring stories and simple tips to help you navigate life’s many roads.

Travel insurance that can protect your trip in a big way

Know your rights as a Canadian air passenger

Family travel: How to have a memorable and safe spring break vacation

BC’s Top Choice for Travel Insurance based on a third party market share study of responses from approximately 1,500 British Columbians per month; BCAA is consistently selected by the highest proportion of British Columbians for where they purchased their travel insurance.

The availability of virtual care depends on your geographic location, medical emergency and remains subject to the discretion of BCAA Claims Assistance. Travel Insurance is sold through B.C.A.A. Holdings Ltd. dba BCAA Insurance Agency, a licensed insurance agent and is underwritten by BCAA Insurance Corporation. Insurance claims are administered by Orion Travel Insurance, a division of Echelon Insurance,  and its subcontractors, Active Care Management (2018) Inc. and Global Excel Management Inc. and all policy terms, conditions, exclusions and limitations can be found in the policy wording at bcaa.com/wordings. The availability of virtual care depends on your geographic location, medical emergency and remains subject to the discretion of BCAA Claims Assistance. * BCAA Member savings on insurance products are only available with Basic, Plus, or Premier Membership plans. For full details, please visit bcaa.com/plans . Applicable to Travel Emergency Medical Insurance policies. Dependent children are free on family policy with two paying adults. Adults must be age 59 or younger. Policy terms and conditions apply. **BCAA, in association with CAA, was chosen as the #1 Most Trusted Insurance Brand by British Columbia participants in the 2023 Gustavson Brand Trust Index.

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Get roadside assistance, request service online.

Click here to get started , it's quick and easy. We'll get someone out to you shortly.

Request Service in App

Call for roadside assistance.

*222 from your cell phone

1-888-268-2222 in BC

1-800-222-4357 in North America

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Please Note: If you need a tow and also need a ride with one of our drivers, space is limited to one passenger. If you are experiencing any cold or flu like symptoms, we will ask you to wear a mask. Thank you for your patience and understanding.

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My flight was delayed or cancelled, what will my travel insurance cover, flight cancellation and delay coverage under the bcaa trip protection package. jul 8, 2022 • knowledge, was this article helpful, related articles.

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BCAA acknowledges that we operate and support Members and customers on traditional and contemporary territories of First Nations across what is known today as BC.BCAA is headquartered on the lands of the hən̓q̓əmin̓əm̓ and Sḵwx̱ wú7mesh speaking peoples, known today as the City of Burnaby.

BCAA (The British Columbia Automobile Association) is a member of the Canadian Automobile Association (CAA) and the American Automobile Association (AAA), serving Members in British Columbia and the Yukon. Call 1-888-268-2222

Terms | Privacy © 2022 BCAA