Planning a vacation should be exciting, not stressful. One crucial aspect of travel planning is ensuring you have the right travel insurance. Caa Travel Insurance, underwritten by Echelon Insurance and an Orion Travel Insurance product, offers a range of options to protect your trips. Understanding your coverage is key to enjoying worry-free travels.
What Does CAA Travel Insurance Offer?
CAA Travel Insurance provides various plans tailored to different travel needs. It’s important to note that certain exclusions, limitations, and restrictions apply to these policies, and coverage details are subject to change. For complete details, always refer to the full policy documentation available at caasco.com/policy. Keep in mind that a medical questionnaire might be necessary for travellers aged 60 and older. Quotes are typically valid for 30 days and can change without prior notice.
Multi-Trip Vacation Packages
For frequent travellers, CAA offers multi-trip vacation packages. These plans come with options for trip durations of 4, 8, 15, 30, or 60 days, depending on the chosen plan. If you’re planning a longer getaway, “Top-Up” coverage is available. However, it’s important to be aware that coverage cannot exceed 365 days from your departure or the policy’s effective date. For travellers aged 60 to 84, the maximum travel coverage, including any Top-Up, is 63 days.
Emergency Medical Coverage
Emergency medical situations can arise unexpectedly when you’re travelling. CAA Travel Insurance offers emergency medical coverage up to $5 million CAD³. This significant coverage provides a financial safety net should you require medical attention abroad. However, it’s crucial to understand limitations. For instance, Canadian residents without an active Government Health Insurance Plan (GHIP), or without GHIP authorization for trips exceeding 212 days in Ontario within a 12-month period, have a maximum benefit of $25,000 for all Emergency Medical Insurance benefits. Always review the policy conditions and limitations to understand the specifics of your coverage.
It’s also important to note policy endorsements, such as the one related to travel advisories⁴. Make sure to read any endorsements carefully to confirm you meet all requirements before embarking on your journey.
Assistance Services
CAA Travel Insurance policyholders benefit from CAA Assistance⁵, provided by Global Excel Management. This service offers support and guidance during emergencies, helping you navigate unfamiliar situations and access necessary help when you need it most.
Family Coverage Options
Travelling with family? CAA Travel Insurance offers family coverage⁶ for families with three or more members insured under a single policy. For Emergency Medical Plans, the premium is calculated as two times the premium of the eldest traveller. For Vacation Package Plans, it’s 2.75 times the premium of the eldest traveller. Family pricing is not available for Trip Cancellation and Interruption Plans. For detailed information on Family Coverage, refer to the policy documents at caasco.com/policy.
CAA Member Benefits
If you’re a CAA Member in good standing, you can enjoy additional savings. CAA members are eligible for a 10% discount on the total premium, excluding applicable taxes. Keep in mind that minimum premiums apply, and this discount excludes Visitors to Canada Insurance.
Understanding Your Rights and Further Information
For a list of underwriters for various CAA insurance products, you can click here. To learn more about the CAA Insurance Ombudsperson and your consumer rights, click here.
Choosing the right travel insurance is a vital step in planning any trip. CAA Travel Insurance provides a range of options with valuable benefits, especially for CAA members. By understanding the coverage details and policy conditions, you can travel with greater confidence and peace of mind. Always read the full policy for complete terms and conditions to ensure CAA Travel Insurance meets your specific travel needs.
