Planning a getaway? Whether it’s a beachside escape, a European adventure, or a cross-country road trip, you’re probably checking your passport, packing your bags, and maybe even relying on your credit card for travel protection. But here’s a truth many travelers learn the hard way: not all coverage is created equal. Let's break down the difference between what your credit card may cover and what dedicated travel insurance offers—so you can make an informed decision before takeoff.
The Basics: What’s the Difference?
Most major credit cards come with some level of travel protection—things like trip interruption coverage or lost baggage reimbursement. But these perks often come with limitations, exclusions, or fine print that only kick in under specific circumstances.
In contrast, travel insurance is designed specifically to protect you before and during your trip. It provides robust, customizable coverage tailored to your destination, length of travel, health needs, and more.
What Credit Cards Typically Cover
- Trip Cancellation/Interruption: Often only if the trip was paid entirely with the card, and limited to specific reasons.
- Lost or Delayed Baggage: Reimbursement limits tend to be low.
- Travel Accident Insurance: May apply only to flights and often excludes medical coverage.
- Rental Car Insurance: Generally covers damage or theft, but not liability or personal injury.
Sounds helpful, right? It can be—but it’s far from complete.
What Travel Insurance Covers (That Credit Cards Usually Don’t)
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Emergency Medical Coverage* – Even outside Canada -
Protection for Trip Cancellations, Interruptions & Delays
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Lost or Stolen Baggage Coverage
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24/7 Emergency Assistance**—anywhere in the world
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Exclusive CAA Member Discounts***
Why It Matters
Imagine getting sick abroad, or needing to cancel your trip suddenly due to a family emergency. The out-of-pocket costs can be staggering—especially if you're relying solely on the limited protection of a credit card. With CAA Travel Insurance, you're not just covered; you’re supported every step of the way.
Bonus for CAA Members
CAA Members enjoy exclusive discounts on travel insurance—and access to personalized travel planning, roadside assistance, and more. It’s all part of helping you travel smarter, safer, and with peace of mind.
Ready to Travel Fully Covered?
Don’t leave your trip to chance. Explore your travel insurance options today and protect what matters most. Whether you're heading across the country or around the globe, CAA Travel Insurance has your back.
To learn more about CAA Travel Insurance, click here.
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