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BCAA Travel Insurance Review 2024

Updated: Feb 28, 2024, 3:40am

Touted as B.C.’s top choice for travel insurance, BCAA offers an impressive selection of medical and trip protection coverage that is both flexible and affordable. The $10 million in emergency coverage includes a comprehensive list of benefits, and the pre-existing benefit add-on gives peace of mind to travellers with health concerns. While not the cheapest plan, you definitely get your money’s worth, though you need to be a resident of B.C or the Yukon to qualify.

• Customizable coverage
• $10 million emergency medical
• Generous benefit limits
• Pre-existing condition add-on
• No family coverage for travellers 60 and above
• Only available to residents of B.C. and the Yukon

Table of Contents

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The British Columbia Automobile Association (BCAA) was founded in 1906 (then known as the Victoria Automobile Club) when a group of motoring enthusiasts came together to enjoy their hobby and help each other when their vehicles broke down. By 1940, an affiliation of 31 clubs across B.C. officially amalgamated under the name BCAA and opened a head office in Vancouver.

Today, the BCAA is a member of the Canadian Automobile Association (CAA) and the American Automobile Association (AAA), serving members in British Columbia and the Yukon.

The CAA is made up of nine regional clubs across Canada, including CAA South Central Ontario (that includes Manitoba), North East Ontario, Niagara, Alberta, British Columbia, Manitoba, the Maritimes, Quebec and Saskatchewan.

BCAA insurance offers home, car, travel, small business and life insurance, as well as health and dental insurance.

BCAA travel insurance is underwritten by BCAA Insurance Corporation. Claims are administered by Orion Travel Insurance Company and its subcontractors.

Here are the key types of travel insurance coverage offered in BCAA travel insurance plans:

• Emergency medical insurance: If you get ill or are injured on your trip, travel medical insurance can pay for emergency medical expenses, up to the coverage limits in your plan. These expenses can include doctor and hospital bills, medication and lab work.
• Trip cancellation insurance: If you cancel a trip for a reason listed in your travel policy, such as you or your travelling companion becoming ill, weather conditions causing a massive delay or you end up losing your job, trip cancellation insurance can reimburse you for prepaid, non-refundable costs.
• Travel interruption or delay insurance: Trip interruption insurance can pay for a last-minute flight home in an emergency and money that you lose if you have to return home earlier than expected, such as non-refundable activities and hotel stays. If your flight is delayed , your insurance can cover the cost of incidentals, such as meals or accommodations, after a specified period of time, usually six, 10 or 12 hours.
• Baggage insurance: Baggage travel insuranc e can compensate you up to your policy limits if your luggage is lost or stolen. It will reimburse the depreciated value of your suitcases and what you packed. If your checked bags are delayed, it can reimburse you for the cost of the necessities you’ll have to buy to tide you over.
• Travel accident insurance. This coverage offers compensation in the event of accidental death or catastrophic injury from an accident during your trip. Flight Accident Insurance covers injury while you’re on a commercial plane, during a connection or in an airport. Travel Accident Insurance covers death or dismemberment, including the loss of limbs or eyesight, while on your trip. This is also called Accidental Death and Dismemberment benefit.

BCAA allows you to customize the amount of travel insurance coverage you need. For example, you could opt for the most comprehensive travel insurance protection by selecting the Travel Emergency Medical Insurance and the Trip Protection Package (that bundles four coverages) or if you’re mostly concerned about lost, damaged or stolen personal items during your travels, you could just select the Baggage coverage option as an add-on to your emergency medical coverage. Alternatively, if you have medical coverage elsewhere (such as a travel credit card ) you could select the Trip Protection Package coverage.

The individual benefits are as follows:

Travel Emergency Medical Insurance: If you’re worried about medical emergencies while travelling, this benefit includes the following coverage:

• Hospital accommodation up to a semi-private room
• Out-patient services provided by a hospital
• One follow-up visit within 14 days of initial treatment
• Physician’s services
• Ambulance services (ground, air or sea)
• Emergency air transportation
• Remote evacuation
• Laboratory diagnostics and X-rays
• Prescription medication, up to 30-day supply
• Replacement of lost or stolen prescription drugs
• Cost to rent or purchase essential medical appliances, including a wheelchair, crutches and canes
• Private duty nursing
• Fracture treatment, including X-rays, exams, casting and re-casting, and cast removal
• Hospital allowance for incidental expenses, such as TV rental and telephone
• Paramedical services, such as emergency treatment by a physiotherapist, chiropractor, chiropodist, osteopath, podiatrist, optometrist, naturopath, holistic doctor or acupuncturist
• Emergency dental due to a blow to the face, plus continuing treatment once you return home
• Emergency dental due to pain or illness
• Unexpected birth of a child during the first 31 weeks of pregnancy
• Repatriation to your home province or territory
• Out-of-pocket expenses for meals, accommodation, etc., due to transfer to another medical facility or delayed return home
• Child care during parent/guardian’s hospitalization
• Replacement of prescription glasses, contact lenses or a hearing aid due to theft, loss or breakage

This coverage also includes a medical follow-up in Canada benefit that provides the following reimbursement for costs incurred within 15 days after you have been returned home for medical reasons:

• Up to $1,000 for a semi-private room in a hospital, rehabilitation centre or convalescent home
• Up to $100 per day for home care nursing
• Up to $300 for ambulance or taxi services to receive medical care
• Up to to $200 to rent or purchase essential medical appliances, such as a walker, canes, trusses, orthopedic corset and/or oxygen

Trip Protection Package: This package bundles four coverage options, including trip cancellation and interruption, baggage, travel delay and COVID-19 quarantine, and travel accident coverage.

• Trip Cancellation and Interruption coverage: This reimburses you for insured travel expenses (such as hotels or prepaid excursions) if you have to cancel, interrupt, extend or modify your trip due to a covered reason either before your trip or after you have left home. This includes transportation expenses if you have to interrupt, modify or extend your trip, as well as a subsistence allowance for hotels and meals if your return home is delayed. You can select the amount of trip cancellation coverage before departure, between $250 and $100,000.
• Baggage: This provides compensation if your baggage is delayed, lost, stolen or damaged during your trip.
• Travel Delay & COVID-19 Quarantine: This provides reimbursement for COVID-19 quarantine expenses, such as unplanned accommodations, as well as expenses incurred due to a flight delay.
• Travel Accident: This offers coverage for the accidental loss of life or limb while travelling.

Rather than purchase the package, you can buy the following benefits individually:

• Baggage: As above.
• Travel Delay & COVID-19 Quarantine: As above.
• Travel Accident: As above.
• Pet Coverage: This covers pet-related costs for boarding and/or transportation if you are hospitalized, repatriated or if you die while on your trip. It also covers veterinary fees if your pet is injured during the trip. Maximum coverage is $600.

With a BCAA Travel Insurance plan you can purchase family coverage for two or more people, 59 years old and under, and any dependent children or grandchildren.

In addition, when purchasing your coverage you will be asked, “Where are you travelling?” The options are:

• Worldwide (including USA): Covers you anywhere in the world, including the United States. This includes short stopovers, layovers and cross-border shopping trips to the U.S.
• Worldwide (not including USA): Covers international travel to non-U.S. destinations. This also allows you to travel via the U.S. for up to five days, such as if you travel through the U.S. to reach your destination.
• Within Canada: This provides travel insurance for trips within Canada .

We highlighted key benefits of BCAA Travel Insurance to help you identify which plan is the best fit for your travel needs.

Travel Emergency Medical:

Trip Cancellation and Interruption:

Travel Delay and COVID-19 Quarantine:

Travel Accident:

The price of a BCAA Travel Insurance plan depends on factors such as the cost of your trip (for trip cancellation and interruption coverage), your age, your health and the amount of coverage you choose.

Here are some price examples of BCAA Travel Insurance plans for healthy travellers based in B.C. assuming a $0 deductible.

You can also add an optional deductible, or the amount you will pay out of pocket before your coverage kicks in, to your travel medical insurance to lower the cost of your premium. Deductible options include: $500, $750, $1,000 and $2,500.

Here’s a comparison of the emergency medical insurance premium with and without a $500 deductible.

CUMIS Travel Insurance

Emergency medical: $10 million Cancel For Any Reason: No Baggage insurance (maximum): $500

Related: CUMIS Travel Insurance Review

TuGo Travel Insurance

Emergency medical: $10 million Cancel For Any Reason: Yes, 50% Baggage insurance (maximum): $1,500

Related: TuGo Travel Insurance Review

Pacific Blue Cross

Emergency medical: $10 million Cancel For Any Reason: No Baggage insurance (maximum): $1,500

Related: Pacific Blue Cross Travel Insurance Review

BCAA Travel Insurance offers a pre-existing coverage add-on that provides $300,000 in additional medical coverage for an unstable pre-existing medical condition. To be eligible for this coverage, you must not have had any symptoms or received medical consultation in the seven days before your departure.

Here’s how this add-on could affect your emergency medical premium cost:

BCAA members earn 10% off their premium for any travel insurance plan. Travellers who have held an annual multi-trip plan for three years or more earn an additional 10% off.

Yes. You can buy multi-trip insurance if you travel more than once a year for several individual trips. BCAA Travel Insurance offers annual multi-trip insurance for worldwide (including USA) plans for both emergency medical and trip protection coverage for separate trips of three, eight, 15, 30, 60, 90, 120, 150, 183 and 365 days.

Here’s how the cost compares between single-trip and multi-trip insurance:

If you stay longer than the number of days on your plan, you can purchase a top-up.

BCAA Claims Assistance is available 24/7 (for medical emergencies), 365 days of the year and can help you when you’re faced with a travel emergency. Support while you’re travelling includes:

• Assistance finding the nearest medical facility
• Payment to hospitals and other medical providers for travel emergency medical expenses, guaranteed where possible
• Medical consultative and advisory services, including review of appropriateness and analysis of your medical care
• Monitoring of progress during your treatment and recovery
• Management, arrangement and authorization of emergency medical evacuation
• Multilingual assistance
• Travel assistance for your family
• Family/employer communications and message centre
• Arranging for a medical assistant to travel with you
• Submitting paperwork to your government health care plan and extended care benefits plan
• Referral to legal assistance
• Travel assistance for lost documents, lost luggage, etc.
• Referral to Canadian consular services worldwide

Support before you leave on your trip includes:

• Tourist visa and/or passport information
• Information regarding inoculation and vaccination requirements
• Weather information
• Currency exchange information

BCAA will not pay any medical expenses related to any medical condition that is not stable for a set period of time, before your coverage takes effect.

A medical condition is considered stable when all of the following are true:

• There has been no deterioration of your condition as determined by your physician.
• There have been no new symptoms or findings or more frequent or severe symptoms or findings.
• There has been no change in medical treatment or no alteration in any medication for the condition.
• There has been no new medical treatment prescribed or recommended by a physician or received.

Specifically, BCAA has the following age-specific exclusions:

For travellers 59 years of age or under (on your policy’s effective date): Benefits are not payable for costs related to any medical condition that was not stable in the 90 days before your departure.

For travellers 60 years of age or over (on your policy’s effective date): Benefits are not payable for costs related to any medical condition that was not stable in the 180 days before your departure.

There are a number of scenarios not covered by travel insurance and it’s critical to know what not to do before you make a claim. In addition to pre-existing condition exclusions, the following are some of the most common situations not covered by BCAA travel medical insurance:

• A trip taken against medical advice
• A trip taken after the diagnosis of a terminal condition
• A trip taken while you are receiving palliative care or palliative care has been recommended
• Any health condition for which diagnostic tests had been taken or scheduled before departure and for which results were not received (with exceptions)
• Any medical treatment due to complications or recurrence after the emergency ends
• Costs for emergency air transportation when the arrangements were not made by BCAA Claims Assistance
• Illness or injury incurred if you choose to travel to a destination with a level 3 (avoid unnecessary travel) or level 4 (avoid all travel) travel advisories were in effect before departure and the illness or injury is related to the reason for the travel advisory
• Expenses incurred when coverage is purchased after departure
• Any medical expenses in excess of $50,000 if you are not covered by government health insurance
• Loss, theft or breakage of prosthetic devices or dentures

Additional exclusions will apply for trip cancellation and interruption, baggage and travel delay coverage.

Also, there is currently no coverage for any trips taken to Russia, Ukraine, Belarus or any other country subject to a level 3 (avoid non-essential travel) and level 4 (avoid all travel) travel advisory issued by the Canadian government due to the armed conflict with Russia.

There is no coverage for any trip cancellation or trip interruption claims related to COVID-19. There is, however, coverage for travel medical emergencies for fully- and partially-vaccinated travellers.

To be eligible for medical travel insurance with BCAA, the following must apply:

• You are a Canadian resident.
• You have not been advised against travel by your physician.
• You have not been diagnosed with a terminal condition.
• You are not receiving palliative care or palliative care has not been recommended.

In addition, you must be a resident of B.C. or the Yukon to purchase travel insurance.

Due to high call volumes, BCAA recommends you file your claim online at BCAA.com/travelclaims or by email at [email protected]. You can file a medical, dental and trip cancellation/interruption claim online 24/7 by logging into your account via BCAA’s partner Global Excel Management.

Depending on the kind of claim, you will also need to provide supporting documentation within one year from the date of loss.

Depending on your claim, supporting documentation may include:

• Original itemized receipts of out-of-pocket expenses incurred
• Medical certificate(s) from attending physician(s) completed with diagnosis, dates of service and type of treatment
• Original pharmacy prescription receipts
• Completed government health insurance plan forms
• A copy of the death certificate, will or power of attorney and police report, if applicable
• Original unused airline tickets
• Itemized travel agency invoices showing full payment for your trip
• Statement from the travel agency, airline or tour operator documenting refunds provided
• Proof of loss for stolen property, such as a police report
• Written estimate to repair damaged baggage
• Proof of baggage delay and itemized recipes for personal necessities purchased

BCAA notes that the majority of claims are resolved within 30 business days.

BCAA Travel Insurance FAQs

Does bcaa pay for medical costs upfront.

According to the BCAA travel insurance policy, when you have selected travel emergency medical insurance, the following services are available to assist you in a medical emergency: “Payment to hospitals and other medical providers for emergency medical expenses will be guaranteed where possible relieving [the] claimant of credit responsibilities.”

Does BCAA offer coverage extensions?

Yes. Your coverage is automatically extended for up to seven days starting on the final day of your trip due to a transportation delay, such as a common carrier delay, vehicle accident or breakdown. If you are hospitalized, your coverage is extended for the period of hospitalization and up to seven days after discharge. If your return home is delayed due to a medical emergency that does not require hospitalization but makes you unfit to travel, your coverage is extended for up to seven days. If you are unable to travel home due to quarantine as a result of a positive COVID-19 test, your insurance will be extended for a maximum of 14 days.

You can also request an extension if you want to stay longer on your trip, as long as:

• You have not seen a physician or other registered medical professional since your departure date or effective date of the policy.
• You have not submitted a claim and have no intent to submit a claim.
• You are in good health and you do not know of any reason to seek medical attention.
• Your period of coverage has not already expired.

You will be charged a service fee, in addition to the new premium.

Does BCAA require a medical questionnaire?

Yes. Travellers age 60 and over are required to complete a health questionnaire.

Does BCAA have any age restrictions?

There are no noted age restrictions beyond the age-specific exclusions for pre-existing conditions, family coverage eligibility and requirement to complete a questionnaire.

Does BCAA provide coverage for COVID-19?

BCAA provides the coverage for COVID-19 if you purchase travel emergency medical insurance for annual multi-trip and single trip for worldwide travel, and single trip excluding USA travel.

If you test positive or are diagnosed with COVID-19 while on your trip, BCAA travel insurance provides up to $10 million in coverage if you have been fully vaccinated 14 days or more before your departure date or if you are under 18 whether or not you have received the vaccine. You are eligible for $1 million in coverage if you have received at least one dose of the vaccine.

There are exceptions to this coverage, including if you did not receive any Health Canada-approved vaccinations, if you tested positive or had symptoms in the 14 days before your trip or if you received a COVID-19 diagnosis and experienced complications in the 90 or 180 days before your trip, depending on your age.

When does my coverage with BCAA begin?

In general, if you purchase cancellation coverage, it begins the day you buy your policy and ends the day when you make a claim or leave on your trip. Your emergency medical coverage and interruption coverage, if purchased, begins when you leave home. Your delay coverage begins once an insured risk prevents you from returning home as scheduled.

Can I get a refund with BCAA?

You can request a cancellation and full refund of your contract before the effective date of the contract (the date the coverage begins) or during the 10 days following the date of purchase, unless:

• You have made or intend to make a claim.
• The contract is for a period of 10 days or less.
• The contract was purchased within 11 days before the trip and includes trip cancellation or interruption coverage.

If you purchase trip protection coverage, you can request a refund (less a cancellation fee) if:

• The tour operator cancels the trip and all penalties are waived.
• You cancel the trip prior to the effective date of any cancellation penalties.
• The tour operator changes the travel date and you are unable to travel and all cancellation fees are waived.

If you return early from your trip and have not submitted or intend to submit a claim, or if no Medi-Assist case has been opened, you can request a partial refund of your premium. However, a refund of premium does not apply if:

• You are covered for a trip cancellation benefit.
• You are covered for an emergency return benefit.
• You are covered under an annual insurance contract.
• You are repatriated at the insurer’s expense.
• Your refundable premium is less than $20 after application of the $25 administration fee.

Does BCAA offer a free look period?

BCAA travel insurance offers a 10-day full refund provision whereby you have 10 days starting from the application date to review your policy to ensure it meets your travel needs. You can request a full refund as long as no travel has taken place. This provision does not apply to the Trip Protection Package.

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.

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Pack the right travel insurance for your next trip

If you’re planning a getaway, some items are essential. Depending on where you are going, that might be passport, currency or sunscreen. But whether you’re visiting a Canadian bucket list location , a sustainable destination like Costa Rica or Helsinki , or somewhere special you’ve had your heart set on, you definitely want to be covered with travel insurance.

Here’s a helpful primer on your travel insurance options when you venture outside of BC and Canada.

BC Medical Services Plan travel coverage: Limited coverage outside of BC

British Columbians rely on BC’s Medical Services Plan (MSP) for medical treatment within BC, however this plan may not pay for all your health care costs outside of BC. MSP limits medical payments to a maximum $75 CAD a day and it won’t exceed the amount payable had the same services been performed in BC. It will also only cover treatment performed by a physician, so services provided by non-physician health care practitioners, medical supplies, prescription drugs or ambulance services won’t be covered. That means these, and any excess costs above the MSP limit, will be your responsibility.

Given the high cost of medical care outside Canada – especially in the US—our provincial government recommends you purchase travel insurance before leaving BC .

Extended health travel insurance plans: Employer benefit packages may not cover it all

A travel study found that 29% of BC travellers relied on their employer’s extended health benefits plan for their travel insurance coverage.* These plans may have limitations, however, including inadequate limits, age and trip length restrictions, and limited options for cancellation coverage and coverage for pre-existing medical conditions.

If you have travel insurance in your employee benefits package, you may not have options like coverage for unstable pre-existing medical conditions, trip cancellation or interruption insurance. Fortunately, you can buy these as add-ons to complement your company’s travel insurance.

Some employee plans only cover the employee, so if you’re travelling with your family, ask your insurance specialist about a family travel insurance plan, for both medical and trip cancellation/interruption insurance.

If you get hospitalized during a trip, your group plan coverage may not pay for someone to stay with you. Compare that with BCAA Travel Insurance , which will arrange to have a family member with you during your hospitalization and cover transportation costs.

Credit card insurance coverage: Read the fine print on stipulations and penalties

The same study found that 6% of travellers relied on their credit card company for travel insurance coverage.* This travel insurance is relatively easy to sign up for and often automatically included with your credit card.

You may consider this insurance an affordable and convenient way to cover your vacation. However, the downside to both credit card and health plan insurance policies is they may not cover all your travel needs or they may have specific stipulations. For example, some credit cards require that you pay for the full cost of your trip with the card. They may also penalize you if you don’t call the claims company right after an emergency or before you visit the hospital. Some credit cards won’t cover specific recreational activities, either, most of which are covered by BCAA (learn more at bcaa.com/wordings ). Plus, if you decide to extend your trip, some credit card plans won’t allow a mid-trip extension, which BCAA can take care of, as long as you’re eligible.

You want to be sure your credit card plan comes with medical coverage, too, not just travel accident insurance. There’s a difference and it could cost you if something happens while you’re away. Accident insurance typically provides a lump sum payout for bodily injury or death, whereas travel emergency medical insurance covers you for hospital visits and other emergency treatments for sickness or injury.

Travel insurance through a trusted private provider: Supplement your coverage for a safe and relaxing trip

Even if you have existing coverage through your employer or credit card, the coverage likely won’t be enough to meet your needs. To supplement this, you can get travel insurance through a private insurer like BCAA. As BC’s top choice for travel insurance, we offer up to $10,000,000 in coverage for emergency medical expenses, including 24/7 Virtual Care in the event of a claim.** So you can get the medical help you need, wherever you are in the world. Plus, BCAA members save 10% and kids go free on family plans.***

You also have more options to choose from with a private insurer. For example, with BCAA you can add up to $300,000 in coverage for unstable pre-existing medical conditions , and coverage for travel delay, trip cancellation and interruption costs.

Wherever you choose to go, BCAA has your back

No matter where your travels take you, enjoy your trip with travel insurance protection from BC’s top choice and most trusted brand. Visit bcaa.com/travel to learn more and get a quote today.

Wishing you safe and happy travels.

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BCAA Travel Insurance for Canadians: Travel with Peace of Mind

• By rideoncanada

Canadians are known for their adventurous spirit and love of exploration. Whether you’re planning a relaxing beach vacation, a thrilling backpacking trip, or a visit to family abroad, having the right travel insurance is crucial. Explore BCAA Travel Insurance, a trusted solution for Canadians seeking comprehensive protection for their journeys.

Why Travel Insurance Matters for Canadians:

Unexpected events can disrupt even the best-laid travel plans. From flight cancellations and medical emergencies to lost luggage and trip interruptions, travel insurance provides a financial safety net, ensuring you’re covered for unforeseen circumstances. Here’s why travel insurance is essential for Canadians:

• Medical Coverage: Medical expenses abroad can be astronomical. Travel Insurance offers emergency medical coverage, ensuring you receive necessary medical treatment without breaking the bank.
• Trip Cancellation & Interruption: Unexpected situations may force you to cancel or interrupt your trip. BCAA’s travel insurance helps you recoup prepaid, non-refundable trip costs if you need to cancel due to covered reasons like illness, injury, or weather events.
• Trip Delay: Flight delays can disrupt your itinerary and cause frustration. BCAA Travel Insurance can provide reimbursement for additional expenses incurred due to a covered trip delay.
• Baggage Loss or Damage: Lost luggage can be a major inconvenience. BCAA Travel Insurance offers coverage for lost, stolen, or damaged baggage, helping you replace essential items.
• Peace of Mind: Knowing you’re covered for unexpected events allows you to relax and enjoy your travels without constant worry.

Understanding BCAA Travel Insurance Options:

BCAA offers different travel insurance plans to cater to diverse travel needs and budgets. Here’s a breakdown of some popular options:

• Single Trip: This plan offers coverage for a single trip, ideal for those planning a one-time vacation.
• Annual Multi-Trip: This plan provides coverage for multiple trips throughout the year, suitable for frequent travelers. This plan often comes with additional benefits like lost passport coverage or trip interruption due to a medical condition of a close relative back home.

Features and Benefits:

BCAA Travel Insurance offers several features and benefits that make it a compelling choice for Canadians:

• Comprehensive Coverage: Plans include emergency medical coverage, trip cancellation/interruption, trip delay, baggage loss/damage, and more.
• Flexible Coverage Options: You can customize your plan by adding optional coverages like adventure activities, cancellation for any reason, or cruise travel protection.
• 24/7 Emergency Assistance: BCAA provides 24/7 emergency assistance to help you navigate any situation that arises during your trip.
• Competitive Rates: BCAA offers competitive rates on their travel insurance plans, ensuring you get the protection you need without breaking the bank.
• Canadian-Based Company: BCAA is a trusted Canadian company with a long-standing reputation for providing exceptional service.

Getting Travel Insurance Quote:

Getting a quote for BCAA’s Travel Insurance is quick and easy. Here are a few options:

• Online: Visit the BCAA website to access a quote calculator. Enter your trip details and BCAA membership information (if applicable) to receive a personalized quote.
• By Phone: Contact BCAA by phone to speak with a travel insurance specialist who can answer your questions and provide a quote.
• BCAA Branch: Visit your local BCAA branch and speak with a representative about BCAA Travel Insurance options and get a quote in person.

Advantages for Canadians:

It offers numerous advantages for Canadians, making it a compelling choice for travel protection:

• Tailored for Canadians: BCAA plans are designed with the needs of Canadian travelers in mind, including coverage for medical expenses incurred outside Canada.
• 24/7 Emergency Assistance in English & French: BCAA offers assistance in both English and French, ensuring clear communication and support during emergencies.
• Additional Benefits for Members: BCAA members may receive additional discounts or benefits on travel insurance plans.

Why Choose BCAA Travel Insurance?

BCAA Travel Insurance provides Canadians with a comprehensive and reliable solution for travel protection. By offering diverse coverage options, competitive rates, and 24/7 emergency assistance, BCAA empowers Canadians to travel with confidence, knowing they’re covered for unexpected events.

Additional Tips for Canadians:

• Read the Policy Wording Carefully: Before purchasing any travel insurance plan, including BCAA’s, carefully review the policy wording to understand what is and is not covered.
• Disclose Pre-Existing Medical Conditions: Be honest about any pre-existing medical conditions you or your traveling companions have. Failure to disclose pre-existing conditions could invalidate your travel insurance coverage.
• Consider Your Travel Activities: If you’re planning adventurous activities like skiing, white-water rafting, or skydiving, ensure your chosen BCAA travel insurance plan includes coverage for these activities. Some plans may require an optional add-on for adventure sports.
• Compare Plans from Different Providers: While BCAA offers a great travel insurance option, it’s always wise to compare plans from different providers to ensure you’re getting the best coverage and value for your needs.

Beyond Insurance: Travel Resources for Canadians:

Here are some additional resources for Canadians to ensure a smooth and enjoyable travel experience:

• Government of Canada Travel Advice & Advisories: Stay informed on travel advisories and safety information for your destination country.
• Canadian Airports Authority: Find information about Canadian airports, including security procedures and travel tips.
• Nexus Program: Consider enrolling in the Nexus program for expedited border crossings between Canada and the United States.

Conclusion:

By understanding the importance of travel insurance, exploring the offerings of BCAA Travel Insurance, and utilizing the recommended resources, Canadian travelers can embark on their journeys with peace of mind. BCAA Travel Insurance provides a safety net, allowing you to focus on creating lasting memories and enjoying your exploration of the world.

• rideoncanada
• June 21, 2024

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How can we help you?

Trip protection coverage, i’ve experienced a travel disruption, where can i learn about my air passenger rights.

Air travel passengers are eligible for refunds or compensation if airlines cancel or delay their flight under the Air Passenger Protection Regulations (APPR). Learn more in BCAA’s Air Passenger Help Guide at bcaa.com/travelhelp.

How can I make a claim on my Travel Insurance Policy?

You can make a claim on your BCAA Travel Insurance policy online, over the phone or via email 24 hours a day. CXO-TravelService

Can I get a refund for my BCAA Trip Protection Policy?

Refund eligibility table for Non-Medical and Trip Cancellation/Interruption policies. CXO-TravelService

How can I get a copy of my Insurance Documents?

You can access your BCAA Account to get copies of your documents for Travel, Optional Car and Home documents. CXO-HomePayments

How can I update my credit card?

BCAA Primary Members who have a credit card on file for their Membership or insurance products, can update their credit card information through BCAA My Account. Through the Home Insurance Portal, Members who are the Primary Policy Holder (those listed first on their policy document) can also update credit card or bank account information...

How does BCAA Travel Insurance work if I already have coverage with my credit card or health care plan?

BCAA Travel Insurance works in coordination with other benefits you have from another insurer. You can also purchase a "Top Up" plan if you are looking to extend the amount of days you have covered from another plan.

How can I get a quote for Trip Protection Insurance?

There are several different ways to get a Trip Protection quote. This package gives you coverage for Trip Cancellation & Interruption, Travel Accident Insurance, Baggage Protection and Travel Delay & COVID-19 Quarantine Coverage.

What happens if I'm quarantined while I'm away?

Travel Delay & COVID 19 Quarantine Coverage provides coverage for some quarantine expenses. BCAA Travel Emergency Medical Insurance may automatically extend your coverage up to 14 days.

What are my travel insurance coverage options?

Through BCAA you can purchase Emergency Medical Travel Insurance, Visitors to Canada Insurance and/or a Trip Protection package to cover you on your travels.

My flight was delayed or cancelled, what will my Travel Insurance cover?

Flight cancellation and delay coverage under the BCAA Trip Protection Package.

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• Travel Insurance 1
• Visitors To Canada 1
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Traveling with a pre-existing medical condition: Tips to enjoy your trip to the fullest

If you love to travel and have a medical condition, then it’s essential that you’re covered by travel insurance that fits your needs and protects you while you are away from home.

For peace of mind, you want to be sure your travel insurance offers you the appropriate coverage, as many basic travel insurance policies may not cover pre-existing conditions. No matter your medical condition, it’s always a good idea to check with your insurance agent to understand your coverage and any extra coverage that may be available to you to ensure you’re protected.

What is a pre-existing condition?

Typically, a pre-existing condition is a medical or dental illness or injury that is known to you, and you have visited a physician for consultation, treatment and diagnosis for. Pre-existing conditions are considered either stable or unstable.

How do I know if my pre-existing condition is stable?

A stable pre-existing condition is one where there have been no changes noted for a period of time. How long a condition must be stable to be covered by your insurance is usually determined by your age and the type of policy that you buy. Many factors can affect your condition's stability, including changes to your prescription medications and even a check-up with your doctor if it turns out there's been a change to a condition you've previously been treated for. More details, including your stability periods and important definitions, can be found in your policy wording.

Does travel insurance cover me if I have a pre-existing condition?

Coverage for pre-existing conditions varies depending on the stability of your condition, and how long it’s been stable for. This is usually determined by your age and the type of policy you buy. More details can be found in your travel insurance policy wordings.

It’s very important that you disclose your medical condition when applying for your travel insurance coverage. Even if you have coverage for your pre-existing condition, make sure you tell your provider if your health changes during your coverage period. If you don’t, you could be left with no coverage for that condition if it is unstable.

How does it work if I take multiple trips per year?

If you have an annual multi-trip travel insurance policy, your stability is determined prior to each trip departure date during the policy term. If your health or the stability of your medical condition changes at any time during your policy term, you’ll want to discuss these changes with your provider to understand how it might affect your travel insurance coverage.

Can I get coverage if my condition isn’t considered stable?

Some providers, including BCAA, offer additional coverage for unstable pre-existing conditions. BCAA’s Pre-existing Condition Coverage provides up to $300,000 in additional emergency medical coverage for unstable conditions , as long as you haven’t had any symptoms or consultation for at least seven days before you left.

Where can I learn more?

At BCAA, we understand you may have unique needs you’d like to discuss, so we’re here to help. You can learn more at bcaa.com/travel , or by contacting our trusted experts online, by phone or by visiting your local BCAA Service Location .

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