Many people believe that travel insurance is only there to cover you if you or your family member needs medical attention while you’re travelling. While emergency medical insurance may be the most common type of travel insurance, there are actually different kinds of travel insurance that protect particular aspects of your trip.
Read below for a quick guide on the different types of travel insurance offered by CAA Insurance.
Emergency Medical Coverage
Did you know that if you’re an Ontario resident travelling outside Canada, Ontario Health Insurance Plan (OHIP) does not cover your medical expenses? In fact, even if you’re travelling within Canada, not all medical expenses are covered by OHIP. CAA Travel Medical Insurance will protect you and your family against unforeseen medical expenses to a maximum of $5 million1 when you travel where your provincial coverage does not follow. Coverage includes:
- COVID-19 protection2
- Hospital accommodations, lab tests, x-rays, nursing and ground ambulance
- Emergency dental expenses
- Transportation back to Canada if you were abroad
- Medical follow-up in Canada if you were abroad
- Reimbursements and assistance for vision care, hearing aids, pet care and kennel stays
CAA Niagara also offers different emergency medical plans, including single-trip, multi-trip and visitors to Canada coverage.
What is Single-Trip Travel Medical Insurance?
Single-trip travel Insurance plans are ideal for those who typically take one trip per year. This coverage protects you for the specific number of days of your trip, with the policy covering you from the day of departure until you return to Canada.
What is Multi-Trip Travel Medical Insurance?
If you’re a frequent traveller, you can benefit from the flexibility of a multi-trip plan. This plan provides coverage for up to four, eight, 15 or 30 day trips outside of your province of residence – for a full year. The plan starts each time you leave Canada, but if you stay longer than the days purchased, a top-up will be required.
What is Visitors to Canada Insurance?
Visitors to Canada Insurance provides protection for emergency medical treatment while in Canada. This coverage is perfect if you have family members or friends who may be visiting Canada from another country.
Trip Cancellation Insurance
This type of insurance protects you against unexpected events that could delay or cancel your trip. For instance, suppose you’re set to leave on your vacation in a few days, and your travel companion gets sick. If you had to cancel your trip, your non-refundable prepaid travel expenses and reorganizing travel plans would be covered. Trip cancellation coverage includes:
- Unexpected illness for you, travel companion or immediate family member
- Stolen or lost travel documents while on the way to the airport
- An adverse reaction to a travel vaccine
- A school exam suddenly being rescheduled
- Finding out that the business meeting you’re travelling to has been cancelled
Trip Interruption Insurance
Trip Interruption Insurance covers any unexpected interruption while on your trip. Suppose you have to come back home earlier than planned, because you or your travel companion is sick. Or a family member back home becomes very ill and you want to get home to them. No one plans for their travel to be interrupted but we know it happens. Interruption coverage provides you with benefits to ensure your travel investment is protected. It may pay for your early return and could even help you recover some of what you’ve paid for.
Coverage includes:
- A missed departure or connection due to weather or an airport strike
- Accommodations and meals due to a schedule change or a missed connection
- Coverage to get you home due to an unforeseen emergency
- Denied boarding/entry at customs or security checkpoints due to health regulations set by the government authorities or mistaken identity
Vacation Packages
Our vacation packages protect travellers against emergencies and disruptions that can come up when travelling abroad or in Canada. Combine your emergency medical benefits with cancellation and interruption coverage and receive additional benefits like baggage insurance and travel accident insurance. CAA Insurance offers single trip and multi-trip vacation packages3 to cover all the bases.
When you are ready to travel again, we are here to provide the best plan for you and your family. Not only are the rates very competitive, but CAA Members enjoy an additional 10% off4 CAA Travel Insurance. Get a quote online or by phone at 1-800-263-7272. Terms and conditions apply, please see policy for full details5.
CAA Travel Insurance is underwritten by Orion Travel Insurance Company. Certain exclusions, limitations and restrictions apply. A Medical Questionnaire is required if you are 60 years of age and older. Quotes are valid for 30 days.
1 Up to $5 million CAD. Maximum $25,000 for all Emergency Medical Insurance benefits for Canadian residents without active Government Health Insurance Plan (GHIP); and/or without GHIP authorization to cover trip days in excess of 212 days in Ontario in a 12-month period.
2 Terms and conditions apply. $5 million CAD emergency medical coverage, is dependent on having received all Health Canada approved COVID-19 vaccines, at least 14 days prior to departure. Please see the COVID-19 Endorsement for details.
3 Multi-Trip Annual Vacation Packages cover 8, 15 or 30 days per trip depending on the plan purchased. Top-Up coverage is available for longer trips. Coverage cannot exceed 365 days from departure date or effective date. There is a maximum travel coverage of 63 days including Top-Up for travellers aged 60 to 84 years of age.
4Applies to CAA Members in good standing (CAA Membership dues paid in full by membership expiry date). Ten percent (10%) savings applies to the total premium excluding applicable taxes. Minimum premium applies. Subject to change without notice.
5 Subject to change without notice. See full policy for all terms and conditions here.
This website is intended for promotional and informational purposes and is not an insurance policy. It is not an offer of insurance. It contains some information about coverages offered by Orion Travel Insurance Company but it does not list all of the conditions and exclusions that apply to the described coverages.
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