CAA Travel Insurance review

Plans CAA Travel Insurance offers

CAA South Central Ontario, part of CAA Club Group, sells single-trip medical, a Canada Plan for trips within Canada, multi-trip annual medical, a Vacation Package (single-trip all-inclusive), a Multi-Trip Vacation Package, a non-medical vacation package, trip cancellation and interruption, visitors to Canada, rental vehicle damage, and top-ups, extensions and riders. CAA Travel Insurance is an Orion Travel Insurance product underwritten by Echelon Insurance.

Package plans include infant protection for children under 2. The visitors plan is open to work and student visa holders and to Canadians without government health coverage. There’s no standalone student plan for Canadians.

Emergency medical and trip length

The policy wording dated September 1, 2026 lists emergency medical coverage up to $10 million, with a maximum of $25,000 for Canadian residents without active government health coverage. Visitors to Canada offers coverage options from $25,000 to $150,000. One CAASCO page says the Multi-Trip plan has a maximum of $5 million, while the Multi-Trip page and the policy wording say $10 million, so confirm the figure before you buy.

Trip length rules:

• Single Trip Plan: the lesser of your government health plan’s period or 365 days
• Multi-Trip Plan: 4, 8, 15, 30 or 60 days per trip, with top-ups and no maximum day limit within Canada
• Multi-Trip Vacation Package: 4, 8, 15 or 30 days; trips can’t exceed 63 days in total at ages 60 to 84
• Vacation Package Plan: 63 days maximum at ages 60 to 84; no policy extends beyond 365 days

Pre-existing conditions and stability periods

CAA lists these stability periods before each departure:

• Single Trip, Multi-Trip, Multi-Trip Vacation Package and top-ups: three months under 70, six months at 70 and over
• Vacation Package Plan: three months under 60, six months at 60 to 84
• Canada Plan and Canada Vacation Package Plan: no pre-existing condition exclusion
• Optional rider: covers a condition stable within seven days before departure, up to $300,000 per insured, per trip

Age limits and the medical questionnaire

The Single Trip, Canada and Multi-Trip medical plans have no maximum age limit. The Vacation Package and Multi-Trip Vacation Package have an age limit of 84. CAA says a medical questionnaire may be required if you’re 60 or older. Age limits for the visitors plan weren’t stated. Answer every question accurately, since incorrect answers can affect a claim.

Buying, claims and COVID notes

You can buy online. An optional deductible is available on the Single Trip, Canada and Multi-Trip plans, stated in US dollars and applied per insured, per covered condition or event. The amounts aren’t listed, except a $50 minimum on Visitors to Canada. Trip cancellation and interruption includes Cancel For Any Reason and Interrupt For Any Reason options (up to 50% of the sum insured, or 75% for travel booked through CAA) and has no stability requirement for pre-existing conditions. The Multi-Trip Vacation Package lists trip cancellation of $2,000 to $5,000 per trip, to $10,000 per year, and baggage up to $1,500.

Contact CAA Assistance before treatment, or benefits drop to 80% to a maximum of $25,000. The Emergency Medical page lists COVID protection subject to conditions, but the policy wording has no COVID-specific clause, only a travel advisory exclusion that doesn’t apply to unrelated medical emergencies.