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CAA Travel Insurance Review 2024

Updated: Feb 28, 2024, 5:47am

The Canadian Automobile Association, or CAA, is well known for its roadside assistance, but you might not know that it also offers incredibly solid travel insurance—with loads of options for customizing your premium to fit your budget. CAA members also get a 10% discount on their premium. And with coverage for kids, grandkids and even pets, CAA travel insurance is a great choice for families, too.

• Pre-existing conditions rider
• Optional medical deductible
• CFAR and IFAR reimbursement at 75%
• Additional coverage for air excursions and sports
• Medical questionnaire required at age 60
• Limited coverage for adventurous travellers
• Discounts only available to CAA members

Table of Contents

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If you’re one of the 5.8 million Canadians with a CAA membership, you’ve probably called for help when you’ve had a flat tire, been locked out of your car or run out of gas during a road trip. But CAA can offer much more than roadside assistance, including travel insurance for Canadian residents for trips both within Canada and internationally, as well as travel insurance for visitors to Canada.

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, Maritimes, Quebec and Saskatchewan.

This review is based on plans from CAA-South Central Ontario (CAA-SCO). If you live in another part of the province or elsewhere in Canada, your plan offerings may differ.

CAA South Central Ontario travel insurance is underwritten by Orion Travel Insurance, a CAA company.

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

• Emergency medical insurance: If you become ill or are injured on your trip, travel medical insurance can pay for emergency medical expenses, up to the 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 policy, trip cancellation insurance can reimburse you for prepaid, non-refundable costs.
• Travel interruption insurance: Trip interruption insurance can pay for a last-minute flight home in an emergency and money that you lose by cutting a trip short, such as non-refundable activities and hotel stays. CAA offers a BounceBack benefit that kicks in if you have to go home to deal with an emergency, you’ll get $2,000 towards a round-trip ticket home and back again.
• Baggage insurance: Baggage travel insurance 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 bags are delayed, it can reimburse you for the cost of the necessities you buy to tide you over. It also extends to your personal belongings, if they are lost, damaged or stolen.
• 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, sustained on your trip.

CAA offers three travel insurance plans: Emergency Medical + Trip, Medical and Trip.

Emergency Medical + Trip: This is the most comprehensive plan that includes coverage for medical emergencies, trip cancellation and interruption, lost baggage and personal documents, non-medical emergency evacuation, medical repatriation, travel accident insurance and more.

Emergency medical treatment includes:

• Hospital accommodation up to a semi-private room.
• Physicians’ fees.
• Laboratory tests and X-rays.
• Private duty nursing.
• Ground ambulance service.
• Prescription drugs.
• Medical appliances including casts, splints, trusses, braces, crutches or the rental of a wheelchair.
• Treatment by a chiropodist, chiropractor, osteopath, physiotherapist or podiatrist.
• Emergency dental treatment due to a blow to the face.
• Emergency dental treatment due to illness, excluding roots canals or damage to dentures.
• Hospital allowance for long distance calls, TV rental when hospitalized for at least 48 hours.

Medical: If you’re only worried about medical emergencies while travelling (and not trip protection), this standalone plan offers all of the medical coverage options of the Emergency Medical + Trip plan and includes hospital accommodations, physician fees, lab tests, private nurses and ambulance services.

Trip: If you have medical coverage elsewhere, the Trip plan covers trip cancellation insurance, trip interruption insurance, baggage insurance, travel accident insurance and more.

With a CAA Travel Insurance plan you can purchase family coverage for three or more members, including your spouse, children and grandchildren. CAA even extends coverage to your pets in the event you are hospitalized or repatriated, as well as $300 for emergency veterinary care.

We highlighted key benefits of CAA Travel Insurance to help you identify which plan is the best fit for you.

Here’s a comparison of the Medical + Trip, Medical only and Trip only plans and how much coverage you’ll get.

The price of a CAA Travel Insurance plan depends on factors such as the cost of your trip, your age and the amount of coverage you choose.

Here are some price examples of CAA Travel Insurance plans for healthy travellers based in Ontario through the CAA-South Central Ontario Club. CAA members get 10% off these rates.

If you’re purchasing the Medical only plan, you can also add an optional deductible, or the amount you will pay out of pocket before your coverage kicks in, to lower the cost of your premium. Deductible options include: $300, $500, $1,000, $3,000, $5,000, $10,000, $25,000, $50,000 (USD).

World Nomads

Emergency medical: $5 million Cancel For Any Reason: No Baggage insurance (maximum): $1,000, $3,000

Related: World Nomads Travel Insurance Review

Manulife Financial

Emergency medical: $10 million Cancel For Any Reason: No Baggage insurance (maximum): $1,000

Related: Manulife Financial CoverMe Travel Insurance Review

Emergency medical: $5 million Cancel For Any Reason: No Baggage insurance (maximum): $1,500

Related: Blue Cross Travel Insurance Review

CAA Travel Insurance offers the following riders, or add-ons, for the more adventurous or sporty travellers:

• Adventurous Air Activities. Up to $5 million covering extra vacation fun while participating in activities that include hot-air balloon rides, parasailing and helicopter excursions.
• Sports & Speed. If you’re participating in a professional sporting event or motorized speed contest, this provides coverage for any accident or illness while you’re competing, training or practicing while you’re away.

Here’s how these add-ons could affect your premium:

If you’re renting a car while on vacation, the optional Rental Vehicle Damage Insurance add-on will pay up to $80,000 for rentals up to 80 days.

CAA members in the CAA-SCO Club receive 10% off their premium for any travel insurance plan. (Other clubs may offer different discounts. For example, CAA Maritime members receive a 15% discount.)

Here’s an example for the Medical + Trip plan:

Yes. If you travel a few times a year (or more!) it may be cost effective to buy multi-trip insurance , also known as annual trip insurance. CAA Travel Insurance has two plan options: The Multi-Trip Plan that offers medical coverage only for four, eight, 15 or 30 days, and the Annual Vacation Package Plan that offers medical and trip protection coverage for eight, 15 or 30-day periods. If you stay longer than the number of days in your plan, you can purchase a top-up.

CAA Assistance is available 24/7, 365 days of the year and can help you when you’re faced with an emergency. Support includes:

• Directing you to an appropriate physician or hospital at your trip destination.
• Providing multilingual interpreters to communicate with physicians and hospitals.
• Monitoring your care and ensuring only appropriate and medically necessary treatment is given.
• Communicating on your behalf to your family and physician.
• Paying hospitals, physicians and medical providers whenever possible.
• Arranging necessary transportation, such as an air ambulance, whenever necessary.

When you call CAA Assistance, you’ll need to provide your name, policy number, your location and the nature of your emergency. If you don’t contact CAA Assistance before receiving medical treatment, you may be limited to reimbursement of 80% of eligible expenses, to a maximum of $25,000.

If you’re not dealing with an emergency (say you’re holed up in your hotel room with a migraine) but you’d still like some medical advice, CAA Travel Insurance offers a Virtual Emergency Medical Assistance and House Call Service, which provides 24/7 and unlimited number of virtual visits to medical professionals via virtual healthcare.

According to CAA, 80% of cancellation claims are because a traveller, or one of their immediate family members, gets sick or injured.

Trip cancellation insurance covers things like:

• You are a family member, or your travel companion or their family members, is sick, injured, quarantined or dies.
• A blizzard, hurricane or volcano, for example, hits your home or you’re burgled within seven days before your departure.
• You lose your job.
• You’re called for jury duty.
• The business meeting, conference or event you were travelling to is cancelled.
• There’s a new travel advisory.
• The travel supplier you bought from goes out of business.
• Your passport is not issued in time.

CAA also offers Cancel For Any Reason insurance, which offers the following reimbursement if you cancel for a reason up to three hours before departure other than those listed:

• 75% CFAR reimbursement if your travel is booked through CAA Travel.
• 50% CFAR reimbursement if your travel is booked through another provider.

While trip cancellation covers any issues that happen before you leave, trip interruption covers issues once you’ve already left home.

Trip interruption insurance covers issues, such as:

• A missed connection due to bad weather, road delays or a road accident.
• A medical emergency back home.

CAA also offers Interruption For Any Reason insurance up to $2,500, that covers you for any reason outside of your policy to the following limits:

• 75% IFAR reimbursement if your travel is booked through CAA Travel.
• 50% IFAR reimbursement if your travel is booked through another provider.

For travellers under age 60, CAA Travel Insurance will not pay any claims due to any sickness, injury or medical condition that is not stable in the three months before your departure date (and for travellers age 70 to 84, your condition must be stable for six months), unless you purchase the Pre-Existing Medical Condition rider that reduces the waiting period to seven days and covers to a maximum of $200,000.

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

For travellers under age 60, CAA Travel will also not cover any lung condition if in the three months prior to departure you received treatment with Prednisone.

For travellers age 60 to 84, CAA Travel will also not cover any lung condition if in the three months prior to departure you received treatment with prednisone, or any heart conditions if you had heart bypass or valve surgery more than eight years prior to the departure date; if you were taking three or more medications for your heart; you were diagnosed or treated for a heart condition, diabetes and high blood pressure; or you were prescribed or are taking medication for heart failure.

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 only to be told you’re on the hook for all associated costs. The following are some of the most common issues not covered by travel insurance:

• A claim against an unstable pre-existing medical condition. CAA defines a condition as unstable if you have sought medical treatment for that condition, if new or existing symptoms appear or there has been a change in medication or the dose you take.
• Ongoing medical treatment or services. Your coverage treats the emergency then gets you back to Canada for further treatment. The emergency medical coverage does include medical follow-up in Canada.
• Non-emergency, experimental or elective treatment, including cosmetic surgery, chronic care or rehabilitation.
• Pregnancy (other than unexpected complications) or a child born on a trip.
• Injury or illness as a result of alcohol or drug abuse.
• High risk activities, such as being in the air (balloon, kite balloon, paraglider, parasail, parachute, kite, wingsuit, etc.), unless you’ve purchased the Adventurous Air Activities rider.
• Travelling against medical advice or not following medical advice in regards to treatment.
• Travelling to get medical treatment, included diagnosis, palliative care or alternative therapy.
• Suicide or attempted suicide, or any self-inflicted injuries.
• Travelling after the Canadian government issues a “Avoid non-essential travel” or “Avoid all travel” advisory.
• Any professional sports, unless you purchase the Sport & Speed rider.
• Air ambulance services, unless approved in advance.
• Damage to or loss of contact lenses or prosthetic teeth or limbs.

Due to high call volumes, CAA recommends you file your claim online or by email. You can file a claim online 24/7 by logging into your account via CAA’s partner Global Excel Management. You can also visit the CAA website and download your appropriate claim form. Depending on the kind of claim, you will also need to provide supporting documentation. For example, for a claim on your baggage insurance for a theft, you’ll need to submit a report from the police. After the claim is submitted, you will receive an email confirmation with your case number.

Frequently Asked Questions (FAQs)

Does caa travel insurance pay for medical costs upfront.

Yes, in most cases CAA will pay hospitals, physicians and other medical providers directly. However, the insurer notes that some providers require direct payment. In that case you will be reimbursed for “reasonable and customary costs.”

Does CAA Travel Insurance cover COVID-19?

It depends. You are eligible for the $5 million emergency medical coverage if you’re fully vaccinated and $2.5 million if partially vaccinated for any COVID-19-related illnesses that occur while travelling.

Does CAA Travel Insurance offer coverage extensions?

Your coverage is automatically extended for five days due a travel delay due to inclement weather or mechanical failure, or a sudden and unforeseen illness. If you are hospitalized, your coverage is extended for the period of hospitalization, plus five days after discharge. You can also request an extension if you want to stay longer provided you apply before the expiry date of your policy and you haven’t made any claims.

Does CAA Travel require a medical questionnaire?

Yes. Travellers age 60 and over must complete a medical questionnaire that asks questions such as: Have you visited the emergency room more than once in the last 12 months, have you been a smoker in the last five years, have you had surgery in the last 12 months and have you received treatment or medication for cardiovascular conditions, diabetes, cancer, neurological conditions or respiratory conditions. If it’s discovered that you do not answer the questions truthfully, you’ll be responsible for the first $5,000 of any claim.

Does CAA Travel Insurance have any age restrictions?

Yes. Medical + Trip coverage is available to travellers age 84 and under. Trip Only coverage is available at any age.

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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CAA Travel Insurance

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Emergency Medical

Be protected no matter where you go with our Emergency Medical insurance plans. CAA Travel Insurance covers you in and out of Canada to ensure you are always covered. For those that love to travel, multi-trip plans are also available.

Multi-Trip Plan  | Get A Quote

CAA Travel Insurance's Annual Multi-Trip plan is perfect for the frequent traveller, offering insurance coverage for multiple trips which protects you all year long. Choose from 4, 8, 15 or 30 and 60-day trips 

• Coverage for unlimited number of trips per year  
• Out of Province emergency medical coverage limits up to $5 million
• Hospital accommodations, lab tests, x-rays, nursing and ground ambulance
• Emergency dental expenses
• Medical repatriation
• Medical follow-up in Canada
• Reimbursements and assistance for vision care, hearing aids, pet care and kenneling
• CAA Choice Care
• Virtual Emergency Medical Assistance - access up to 4 virtual visits within Saskatchewan with a licensed Canadian medical doctor via live video conference 

Get A Quote Learn More

Single Trip Plan  | Get A Quote

Single Trip plans are for the once-in-a-while travellers who just need travel insurance coverage for a single vacation.

• Coverage for a single vacation or business trip
• Emergency medical coverage limits up to $5 million

Other CAA Travel Insurance Plans 

Deluxe holiday, top-up and extension plans, trip cancellation and interruption plans, visitors to canada.

If you want to ensure you are covered for anything life throws your way while on vacation, our Deluxe Holiday plan is for you. From emergency medical insurance, to lost documents and infant protection, this plan has you covered. 

Already have travel insurance coverage through your work or just want to extend your holiday? Top-up your coverage with CAA Travel Insurance, your 2019 Most Trusted Travel Insurance Provider*

Don't let the unexpected ruin your vacation. CAA Travel Insurance Trip Cancellation and Interruptions plan can help whether you have an unexpected illness in your family or you missed your connection because of a snowstorm.

Whether you are new to Canada, visiting Canada or you're purchasing for your family to come visit you, CAA Travel Insurance Visitors to Canada plan can help with emergency medical protections.

CAA Assistance

CAA Assistance is available 24/7, 365 days per year. Whether you need emergency medical assistance of have a question, we are here to help.

Need to make a claim?

You must substantiate your claim by providing the documents described under the applicable insurance plan(s) in the How To File A Claim section of the  Policy Guide .

Indicate your policy number on all correspondence and send the claim form and all required documents to:

CAA Travel Insurance Global Excel PO Box 308 Station A Windsor, Ontario N9A 6K7

Phone 1.819.780.0754 Toll Free 1.844.640.0754

General Travel Insurance FAQ’s

Even though your CAA membership is not required to purchase travel insurance, as a CAA member, you are eligible for a 10% discount on your CAA Travel Insurance policy. 

Emergency Medical Insurance (also known as Travel Medical Insurance) is a type of CAA Travel Insurance plan that covers emergency medical costs while travelling .

Apart from Emergency Medical Insurance, CAA also provides a Deluxe Holiday plan, a Trip Cancellation and Interruption plan, Top-up and Extension plans, and a Visitors to Canada plan.

The Emergency Medical Insurance plan is a type of CAA Travel Insurance plan that only covers emergency medical expenses while travelling.

The Deluxe Holiday plan is a type of premium CAA Travel Insurance plan that provides you with full comprehensive coverage including emergency medical, lost baggage, lost documents, flight delays, travel accidents, trip cancellations, trip interruptions, etc.

The Trip Cancellation and Interruption plan is a type of CAA Travel Insurance plan that provides insurance coverage if you need to unexpectedly cancel or interrupt your travel plans. This includes unexpected illnesses for you or your immediate family members.

The Top-up and Extension plan is a type of CAA Travel Insurance plan that allows you to extend the coverage of your existing Travel Insurance policy. For example, if you’re travelling for work and want to extend your trip, you can top-up your work Travel Insurance coverage.

The Visitors to Canada plan is a type of CAA Travel Insurance plan that provides Travel Insurance coverage like emergency medical, emergency dental, medical repatriation, subsistence allowance, etc. to your friends and family visiting from outside Canada.

To be eligible to buy CAA Saskatchewan’s Trip Cancellation and Interruption plan, you:

• Must be a Saskatchewan resident
• Must have made your travel arrangements through a licensed travel supplier -- involving travel to, from, or within Canada.

It is recommended that you purchase your Trip Cancellation and Interruption Insurance plan at the same time you confirm and lock your travel plans with a payment.

A CAA Travel Medical Insurance policy includes:

• Emergency medical treatment costing up to CAD $5 million.
• Emergency dental expenses up to CAD $5 million.
• Medical repatriation costing up to CAD $5 million.
• Return of remains costing up to CAD $5 million.
• Non-medical emergency evacuation costing up to CAD $5,000.
• Hospital accommodations, lab tests, x-rays, nursing, and ground ambulance.
• 24-hour phone support and virtual emergency medical assistance.
• Reimbursements and assistance for vision care, hearing aids, pet care, and kenneling.
• COVID-19 coverage

Why should I purchase Travel Insurance FAQ’s

While your government healthcare provides you with medical coverage inside your home province, it becomes limited once you’re outside. Plus, any medical emergency that occurs outside Canada can be significantly more expensive than at home. Having Emergency Medical Insurance protects you against such unforeseen and costly medical expenses while you’re travelling.

Depending on your preferences, CAA Travel Insurance offers two types of Emergency Medical Insurance plans:

The Multi-Trip Plan is perfect for frequent travellers who love the convenience of purchasing once and travelling throughout the year. The plan provides you with 365 days of coverage within Canada and 4, 8, 15, 30, or 60 days per trip outside Canada – as many times as you want throughout the year.

The Single Trip Plan is perfect for those travellers who need Travel Insurance for just one trip. The plan provides coverage for a single trip, up to one year (365 days) long.

You are eligible to purchase an Emergency Medical Insurance policy from CAA Saskatchewan if you:

• Are a Saskatchewan resident.
• Are insured under a valid Canadian government healthcare policy.
• Meet the eligibility requirements and plan qualifications.
• Purchase the policy before leaving Saskatchewan.

You are not eligible for any coverage under an Emergency Medical Insurance policy if:

• Your trip is booked or taken against advice from a medical professional.
• You have received a diagnosis of terminal illness with less than 6 months to live.
• You require kidney dialysis.
• You have ever had an organ transplant (except cornea transplant).
• You have been diagnosed with and/or received medical treatment for metastatic cancer in the last five years.
• You have been prescribed or are taking home oxygen for a lung condition in the last 12 months.

Customers, over the age of 55, will be required to complete a medical questionnaire to determine a plan and premium that is best suited for them based on their personal needs. 

For in-province and in-country trips, your credit card and/or employer’s medical coverage may be sufficient. However, for international trips just relying on them could prove to be a costly affair.

Further, they could have different benefits, exclusions, and limitations when compared to an Emergency Medical Insurance policy. While reviewing your options, always consider the following points:

• Is your family covered under your employer’s medical coverage?
• What is the duration of coverage in your employer’s medical policy?
• Is there a limit on the number of days you’re allowed to travel under your employer’s coverage?
• Is there a possibility of coverage extension under your employer’s medical policy?
• Does your employer’s medical policy include coverage for an air ambulance?
• Does your employer’s medical coverage include medical repatriation?

Buying a Travel Insurance policy not only helps you with emergency medical coverage while travelling but also provides you with the assurance that you’re protected in the event of trip cancellations or interruptions.

Due to unexpected and unforeseen events, you could face the need to change or cancel your travel plans, which could be costly and non-refundable. At times like these when things are out of your control, a Travel Insurance policy helps protect your investment.

You do not need to fill out a medical questionnaire to purchase CAA Saskatchewan’s Trip Cancellation and Interruption Travel Insurance plan. It is, however, necessary that all your pre-existing conditions

(medical or other) are stable and controlled prior to the purchase of your insurance policy and prior to your date of departure.

Travelling during COVID-19 FAQ’s

Emergency Medical Coverage:

• When there are no Level 3 or Level 4 COVID-19 travel advisories for a traveller’s destination, full coverage for COVID-19 is available regardless of vaccination status
• During Level 3 – coverage available for travellers meeting vaccination requirements
• During Level 4 – no coverage available for COVID-19 related illnesses

Yes, CAA Travel Medical Insurance provides coverage for COVID-19-related illnesses.

When the Canadian government has issued a Level 3 travel advisory (avoid non-essential travel), the coverage is up to CAD $2.5 million (if partially vaccinated) and up to CAD $5 million (if fully vaccinated).

Travellers must have received their shot (first dose for partially vaccinated, second dose for fully vaccinated) at least 14 days before their departure date. The COVID-19 coverage does not apply to those on a cruise or those travelling to a destination listed in a Level 4 government advisory (avoid all travel).

Air travel outside of Canada is permitted. However, the Government of Canada has a travel advisory out at this time that states that all non-essential travel must be avoided.

Travelling during such advisories can have an impact on the premium of your Travel Insurance policy.

All travellers entering Canada are subject to testing and quarantine guidelines . You can find all the latest information related to travel and advisories on the Government of Canada website .

If you’re a fully vaccinated traveller, you are exempt from quarantining when you enter Canada. To be considered a fully vaccinated traveller, you must:

• Have received the full series of an accepted COVID-19 vaccine or a full series of a combination of accepted vaccines.
• Have received your last dose at least 14 full days prior to the day you enter Canada.
• Upload your proof of vaccination in the Government of Canada’s ArriveCAN app.
• Have no signs or symptoms of COVID-19.
• Meet all other entry requirements like pre-entry test results, etc.

You must be prepared to quarantine for 14 days in case you do not fulfill the conditions of being a fully vaccinated traveller. In such instances, a suitable quarantine plan must be entered into the ArriveCAN app. For complete eligibility requirements, please visit the Government of Canada page .

You can find all the latest COVID-19 travel information on the Government of Canada’s website . In addition to that, you can also make use of their COVID-19 Travel Tool Kit that contains links to all the necessary resources related to travelling, testing procedures, quarantine requirements, ArriveCAN, etc.

Emergencies are never part of your holiday plan so be sure to spend your vacation building memories, not costly medical bills. Add CAA Travel Insurance to your pre-vacation checklist and know that we've got you covered!  Members SAVE 10%!

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I was 19 and travelled to Europe alone. It hadn’t really crossed my mind that I might run into trouble overseas, like get injured or sick or need to return home.  I ended up using the insurance in Rome and it was easy and my claim was paid 100% in full. It wasn’t a huge claim but it could have been.  

On behalf of my mother, who broke her hip while on a trip for her grandaughter's wedding, I would like to sincerely thank you for the service that was provided to her and myself. I would highly recommend CAA Travel Insurance in the future to anyone for their outstanding service. - CAA Travel Insurance Customer -

It was a scary situation for us however, CAA Choice Care made it so much better.

- Shannon S. - 

I recently had to access medical care on a cruise ship and, thanks to the coverage supplied by your plan through CAA, I was completely covered. Thank you for making the claims process effortless.

- CAA Travel Insurance Customer - 

Contact us to book your dream vacation.

Please fill out our online form if you’d like a CAA Travel Consultant or an Insurance Consultant to contact you.

Speak to a Travel Consultant   Speak to a Insurance Consultant

For complete CAA Travel Insurance details refer to the policy guide . 

CAA Travel Insurance is provided by Orion Travel Insurance and underwritten by Echelon Insurance. Certain exclusions, limitations and restrictions apply. Subject to change without notice. A Medical Questionnaire may be required to purchase travel insurance.

CAA Assistance is provided by Active Care Management Inc. Telemedicine and House Call Services availability may vary depending on geographical locations and current emergency medical condition. *Applies to CAA Members in good standing with dues paid in full by membership expiry date. 10% savings applies to the total premium excluding applicable taxes. Minimum premium applies. Excludes Visitors to Canada Insurance.  

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Which travel insurance coverage do I need?

When we think of travel insurance, we immediately think of insurance that covers hospitalization expenses in case of illness, accident, or injury at the destination: emergency medical insurance. But travellers can choose from among a much broader range of protections. What follows is a brief summary of the different types of travel coverage, as well as a checklist of the ideal coverage options for each kind of trip.

One trip, several kinds of insurance coverage

Medical travel insurance

Emergency medical care coverage protects the individual. You can purchase your travel insurance (or request a quote) online or in person at any time before your trip. It covers the cost of hospitalization or clinic visits following an accident or health issue while travelling and may even include telemedicine services (giving you easy access to a doctor). Some insurers cover the costs up front, while others will reimburse you upon receipt of invoices (you will need to complete a claim form and make sure your credit card can cover major hospital bills). Be sure to check for exclusions, including those due to your age or health and pre-existing conditions (such as cancer). You can also choose to add a deductible , which may lower your premium.

Good to know: Minimum coverage of $1 million or even more is generally recommended if you’re travelling to the United States.

• Trip cancellation insurance

Trip cancellation insurance protects your investment. You must purchase it at the same time as your trip or as soon as possible afterwards. It covers non-refundable expenses incurred before the trip, including down payments, plane tickets, accommodations, excursions, and vehicle rentals. It also includes expenses incurred during the trip, such as excursions purchased at the destination that you are unable to take part in for an unforeseen and serious reason that’s beyond your control.

Good to know: You can sometimes cancel a trip without insurance, so always check the tour operator or carrier’s cancellation conditions. Some are more flexible than others, and this often reflects the price paid: The less you pay, the more restrictions there are.

• Trip interruption insurance

Trip interruption insurance also protects your wallet and must also be purchased as soon as possible after booking your trip or at the same time. It covers additional travel costs in situations that are beyond your control, such as meals and lodging when flights are cancelled or delayed, return plane tickets in case of an emergency, and excursions that you could no longer take.

Good to know: Some insurers limit the benefit amounts, while others offer amounts that are to be determined. Ask for details. You should also know that trip cancellation and interruption insurance are often offered together. This is generally a more economical solution.

Baggage insurance

Baggage loss or theft insurance protects your property as long as you purchase it before your trip. It covers the loss or theft of your luggage, which means all the property travelling with you and that you purchase at your destination. There are coverage limits for some kinds of property like electronics, and they may be less than the value of your devices, so read your contract carefully. Your home insurance may also cover property stolen while travelling, but you’ll have to pay a deductible and a claim will appear on your home insurance file for the next few years, which may impact your premium.

Good to know: A document attesting to the theft or a written statement from the local police will be required to obtain compensation. You may also be asked to list the contents of your luggage.

Rental vehicle insurance

Rental vehicle damage insurance is exactly what the name says. What isn’t always clear is what it covers and where, which depends on whether it’s an endorsement added to your own auto insurance, coverage through your credit card, group insurance or travel insurance, or insurance through the vehicle rental agency. Of course, you have to buy it before you hit the road with your rental vehicle.

Good to know: Many of these coverage options do not include civil liability, even though it’s mandatory. When leaving the country, a coverage amount of $2 million is recommended.

Credit card insurance

If you are considering coverage through your credit card , check to see if you need to pay for your entire trip with the card. And regardless of the insurance, read your policy carefully before you leave to understand how much coverage you have and for how long to avoid unpleasant surprises at your destination. If necessary, be sure to add additional coverage to protect you in certain situations.

Does your travel insurance offer assistance?

Most insurers have a 24-hour travel assistance service , but they aren’t all the same.

• Is yours available in multiple languages? Are any interpretation services offered?
• Is there help available if your passport, credit card, or driver’s licence is lost or stolen?
• Is repatriation for you and your family included?
• What about transportation and a living allowance so that a loved one can get to your bedside if needed?

Assistance services are often underestimated but can be a great help when a problem occurs.

How much does travel insurance cost?

The cost of travel insurance varies depending on the length of your trip, age, health conditions, deductible amount, and selected coverage. Sure, it’s another cost to add to your travel budget, but not getting it could cost you a lot more, even if you’re just going on a simple shopping trip or a short getaway to the United States ! Here are some tips to save money:

• Opt for annual travel insurance , which becomes worth it once you take your second trip in the same year, and is often a better deal than travel insurance for a single trip .
• Choose family insurance if you’re travelling with several family members. Children are often insured at no extra cost.
• Check your credit card or group insurance coverage. You may be able to just supplement that coverage (for example, by adding trip interruption insurance).
• Purchase your coverage options as part of a package (comprehensive insurance). It’s often cheaper than buying them individually.

Something to keep in mind: The most costly insurance is the kind you never took out. Travelling with peace of mind is priceless!

Which insurance for what kind of trip?

Being well insured doesn’t mean being insured for everything all the time; it means having the right coverage at the right time. Here’s an overview of useful coverage depending on the type of trip you’re about to take.

• Emergency medical care insurance
• Lost or stolen baggage insurance
• Rental vehicle damage insurance – If you’re renting a car in Canada and don’t have Endorsement Q.E.F. 27 on your own car insurance policy

You can purchase these coverage options separately or as a package, which is usually a better deal.

• Civil liability coverage of at least $2 million on your auto insurance policy
• Rental vehicle damage insurance – If you’re renting a car abroad, including in the United States, and don’t have Endorsement Q.E.F. 27 on your own car insurance policy

Last but not least, you should know that travel advisories issued by the Canadian government can have an impact on your insurance. Some situations (like getting COVID-19 or other illnesses) may be covered in some countries but not in others if an advisory about them is issued. Before paying for a trip and travel insurance, check the Government of Canada’s travel advice and advisories by destination .

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Is CAA the best travel insurance in Canada in 2024?

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Our articles are written by experts in their fields (finance, trading, insurance etc.) whose signatures you will see at the beginning and at the end of each article. They are also systematically reviewed and corrected before each publication, and updated regularly.

Traveling without travel insurance can lead to significant expenses. Did you know that a night at a hospital in the United States can cost over $14,000 CAD? Certain countries may even deny access if you cannot prepay for medical treatment.

So, travel insurance is essential when you're away from home. It ensures you have access to necessary healthcare and covers the costs when needed. Apart from medical emergencies, it offers assistance for flight delays and cancelations, lost luggage, and more.

If you're considering travel insurance, it's worth looking at CAA travel insurance. We've created this guide on coverage, pricing, and everything you need to know about CAA travel insurance. You can also compare it with other players using our free tool and get quick travel insurance quotes.

Our 2024 review of CAA travel insurance

CAA, or the Canadian Automobile Association is a trusted travel brand. It offers a wide range of insurance plans to fit any budget or travel plan.

Here are some CAA travel insurance pros and cons:

Why CAA could be right for you

• Membership with CAA gives a 10% discount on travel insurance packages.
• Easy to apply for coverage or file a claim online.
• Extensive coverage for emergency medical intervention.
• Enjoy 24/7 customer service
• CAA offers travel insurance plans specifically curated for the needs of seniors and snowbirds.

Why CAA may not be right for you

• Special discounts are only available to CAA members.
• CAA travel insurance requires you to answer a medical questionnaire.
• Like most insurers, CAA medical travel insurance does not - for the most part - cover pre-existing medical conditions (such as cancer for instance).

Should you be interested in CAA's plans, know that you can get a travel insurance quote with CAA directly on the insurer's website! But, before choosing CAA travel insurance, compare options and quotes. A little shopping around can help you to save money and find a coverage that really fits your needs:

Compare the best travel insurance plans on the market!

What does CAA travel insurance cover?

CAA offers excellent coverage that cuts across medical, dental, and economic benefits. Medical emergencies, travel interruptions and loss, theft or damage of personal belonging are well covered by CAA travel insurance plans. Here are the main travel insurance plans by CAA:

Good to know

The Multi-Trip Annual Vacation plan offers more all year round. Aside the medical coverage of $5 million, it offers maximum trip protection coverage of $10,000 per year, baggage protection and delay benefits reach up to $3,000 and $1,500 per policy year.

For more information on CAA international travel insurance, download the PDF below:

CAA offers extensive coverage to visitors to Canada. This covers medical intervention, compensation for travel interruption and baggage protection:

Does <strong>CAA </strong>travel insurance cover Covid-19?

CAA COVID-19 policy has been updated to cover COVID-19 related emergencies and interruptions. COVID-19 updates are regularly passed to clients to ensure safe travel.

How much does a travel insurance with  CAA  cost?

The rates of CAA travel insurance depend on multiple factors:

• Your desired coverage and otpions.
• Your deductible.
• Your waiting period. 
• The lenght of your trip.
• Your destination(s) (do you want to go to the USA, where medical expensises are high, or do you want to travel within the bordes of Canada?).

Whether you buy CAA travel insurance from Manitoba, Quebec, Ontario, Saskatchewan, Alberta, Winnipeg or anywhere else, your location doesn't influence the price of coverage. Your destination, however, will).

CAA travel insurance doesn't provide tables on its pricing. Rates are also ver dependable on your profile and needs. Therefore it will be important to get an  individual quote customized for your unique needs.

This is only indicative but, on average, travel insurance in Canada costs $25,35 per trip for a single traveller.

Before settling on CAA's travel insurance policy, we advise you shop around! You can quickly and anonymously compare prices from leading travel insurance companies using our free comparison tool below:

How does CAA travel insurance work?

How to get a caa travel insurance quote.

With a call to the following CAA travel insurance phone number 1-800-437-8541, you can purchase or request a travel plan quote from CAA.

You can also purchase a travel package directly on the website.

How to file a travel insurance claim with CAA?

CAA Insurance allows you to file your claim directly on their online CAA travel insurance portal. You can also initiate a claim by calling:

• 1-888-493-0161(from Canada and the USA)
• 1-519-988-7044 (Worldwide)

How to cancel your CAA travel insurance?

CAA travel insurance cancellation policy is similar to most travel insurers:

• You can cancel your CAA policy anytime within a few days following the purchase (10 business days on average) and get a refund as long as your trip has not started, and you have not made a claim. To proceed with the cancellation, you can connect on you CAA's members portal or call the following number: 1-800-437-8541
• If you cancel after that period, your payment may not be refunded.

How can I contact  CAA  travel insurance?

You can contact CAA travel insurance using different means of communication:

• CAA's phone number: 1-800-437-8541
• You can also log onto CAA's webstite and use their contact form.

Save up to 25% on your travel insurance with our partner soNomad

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1-888-550-8302

Alexandre Desoutter has been working as editor-in-chief and head of press relations at HelloSafe since June 2020. A graduate of Sciences Po Grenoble, he worked as a journalist for several years in French media, and continues to collaborate as a as a contributor to several publications.

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CAA Niagara - Pen Centre Branch 221 Glendale Avenue (Across from Passport Office) St. Catharines, ON L2T 2K9

• Find an Agent

St. Catharines Travel Consultant 905-322-2023 [email protected]

Christiana Unruh

St. Catharines Travel Consultant 905-225-1288 [email protected]

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St. Catharines Travel Consultant 905-322-2734 [email protected]

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St. Catharines Travel Consultant 905-984-8209 [email protected]

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St. Catharines Travel Consultant 905-322-2721 [email protected]

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St. Catharines Travel Consultant 905-322-2730 [email protected]

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• Seven Corners Travel Insurance
• AIG Travel Guard
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• Trawick International Travel Insurance
• AXA Assistance USA
• TravelSafe Insurance

CFAR Travel Insurance Frequently Asked Questions

• Why You Should Trust Us

Best Cancel for Any Reason Travel Insurance

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

"Cancel for Any Reason" (CFAR) travel insurance provides the utmost flexibility, allowing you to cancel your trip for any reason that's not covered by standard travel insurance. It's the safety net for those 'just in case' moments, offering peace of mind for unforeseen circumstances. Let's dive into what sets CFAR cover apart from general-purpose best travel insurance policies .

• Seven Corners Travel Insurance : Best Overall
• Travel Guard : Best Value
• Travelex Travel Insurance : Best for Adventurers
• Trawick International Travel Insurance : Most Popular
• AXA Assistance USA : Best for Cruises and Tours
• TravelSafe Insurance : Best for Quick Protection

Compare the Top CFAR Insurance Offers

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Diverse coverage options such as CFAR, optional sports equipment coverage, etc.
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Available in all 50 states
• con icon Two crossed lines that form an 'X'. Prices are higher than many competitors
• con icon Two crossed lines that form an 'X'. Reviews around claims processing are mixed
• Trip cancellation insurance of up to 100% of the trip cost
• Trip interruption insurance of up to 150% of the trip cost
• Cancel for any reason (CFAR) insurance available

Trip cancellation coverage for up to 100% of the trip cost and trip interruption coverage for up to 150% of the trip cost

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Trip cancellation coverage of up to 100% of the cost, for all three plan levels
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. CFAR covers up to 75% of total trip costs (maximum of $112,500 on some plans) 
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Medical coverage of up to $500,000 and evacuation of up to $1,000,000 per person
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Includes COVID coverage 
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Above average baggage loss and delay benefits
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. High medical evacuation coverage
• con icon Two crossed lines that form an 'X'. Premiums may run slightly higher than competitors

Travel Guard is a well-established and highly rated name in the travel insurance industry. It offers three main coverage options to choose from, and in general its policies have above-average coverage for baggage loss and baggage delays, plus high medical evaluation coverage limits.

• Trip cancellation coverage for up to 100% of the trip cost
• Trip interruption coverage for up to 150% of the trip cost
• Preexisting medical conditions exclusions waiver must be purchased within 15 days of initial trip payment
• Annual travel insurance plan and Pack N' Go plan (for last-minute trips) available

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Options to cover sports equipment
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Option to increase medical coverage
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Can cancel up to 48 hours before travel when CFAR option is purchased
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Affordable coverage for budget-conscious travelers
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Includes generous baggage delay, loss and trip delay coverage
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Optional "adventure sports" bundle available for riskier activities
• con icon Two crossed lines that form an 'X'. Only two insurance plans to choose from
• con icon Two crossed lines that form an 'X'. Medical coverage maximum is low at up to $50,000 per person
• con icon Two crossed lines that form an 'X'. Pricier than some competitors with lower coverage ceilings
• con icon Two crossed lines that form an 'X'. Some competitors offer higher medical emergency coverage

Travelex travel insurance is one of the largest travel insurance providers in the US providing domestic and international coverage options. It offers a basic, select, and America option. Read on to learn more.

• Optional CFAR insurance available with the Travel Select plan
• Trip delay insurance starting at $500 with the Travel Basic plan
• Emergency medical and dental coverage starting at $15,000

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Useful for adventurous travelers headed to higher-risk destinations
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Affordable plans with varying levels of coverage
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. 10-day free look option
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Generous baggage loss replacement policy
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Trip delay coverage kicks in after just six hours
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Some policies allow a CFAR add-on
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Up to $1 million medical evacuation coverage limit
• con icon Two crossed lines that form an 'X'. Baggage and trip delay coverages don’t kick in until after the 12-hour mark
• con icon Two crossed lines that form an 'X'. International student policies available for temporary stints abroad
• con icon Two crossed lines that form an 'X'. Complaints about claims not being paid or involving an intermediary to resolve claims

Trawick International travel insurance offers plans customized to diverse travelers' needs. We look at coverage options, claims processing, pricing, and other important factors for savvy travelers.

• Travel medical insurance
• Trip protection and cancellation
• International student insurance
• Visitor medical insurance (for traveling to the US)

• Trip cancellation coverage of up to 100% of the trip cost
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Generous medical evacuation coverage
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Up to $1,500 per person coverage for missed connections on cruises and tours
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Covers loss of ski, sports and golf equipment
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Generous baggage delay, loss and trip delay coverage ceilings per person
• con icon Two crossed lines that form an 'X'. Cancel for any reason (CFAR) coverage only available for most expensive Platinum plan
• con icon Two crossed lines that form an 'X'. CFAR coverage ceiling only reaches $50,000 maximum despite going up to 75%

AXA Assistance USA keeps travel insurance simple with gold, silver, and platinum plans. Emergency medical and CFAR are a couple of the options you can expect. Read on to learn more about AXA.

• Silver, Gold, and Platinum plans available
• Trip interruption coverage of up to 150% of the trip cost
• Emergency medical coverage of up to $250,000

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Up to 120 days' coverage available for travelers ages 79 and under (30 days for 80+)
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Up to $2,500 per person for missed connections over three hours or more
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Trip delay coverage of up to $150 per person per day kicks in after six hours or more
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Policy can be purchased by U.S. citizens living abroad
• con icon Two crossed lines that form an 'X'. Medical coverage ceiling of $100,000 may be low for some travelers' needs.
• con icon Two crossed lines that form an 'X'. Claims reviews from customers say performance is not always the best
• A well-rounded insurance plan for travelers who are concerned about missing connections for cruise-related travel
• Classic and Basic travel insurance plans
• GolfSafe travel insurance plans provide coverage for you and your equipment
• Travel medical insurance through partner Trawick International

Best Cancel for Any Reason Insurance Reviews

Best overall cfar insurance: seven corners travel insurance.

Seven Corners Travel Insurance is a well-known carrier that has served thousands of travelers. The Trip Protection Choice plan offers a cancel for any reason travel insurance add-on that covers up to 75% of total trip costs, with a maximum of up to $75,000 in reimbursement. Medical coverage is also generous, with up to $500,000 per person for eligible medical expenses and evacuation/repatriation limits of up to $1 million per person.

Seven Corners also offers generous benefits on lost baggage and delayed travel or baggage expenses. Baggage delay benefits kick in after just six hours and go up to $500 per person. The Choice plan does not insure travel canceled by tour operators that are or have gone out of business, so this policy may not be the best fit for travelers who plan to visit destinations with tenuous

Read our Seven Corners Travel Insurance review here.

Best Value CFAR Travel Insurance: AIG Travel Guard Travel Insurance

Travel Guard  is one of the best-known names in the travel insurance industry, with several plans available for traveler needs in every direction. AIG also provided the lowest quote for our hypothetical Europe travelers despite offering the highest ceiling on CFAR reimbursement. Both AIG's Preferred and Deluxe insurance plans offer CFAR coverage as an add-on to the policy, and some policies cover up to 75% of total trip costs going all the way up to a maximum reimbursement of $112,500.

Many AIG policies also include COVID coverage even without CFAR protection, as well as some ancillary benefits such as rental car protection and even pet travel insurance.

Read our AIG Travel Guard Insurance review here.

Best CFAR Insurance for Adventurers: Travelex Travel Insurance

Travelex Travel Insurance is a great cancel for any reason option for travelers who plan to participate in strenuous or adventurous activities during their trip. While the CFAR coverage add-on only reimburses up to 75% of nonrefundable trip expenses, it still provides a certain modicum of peace of mind in case of emergencies, with cancellation available as an option up to 48 hours before travel begins. Travelex offers low medical coverage compared with its competitors, with a maximum of up to $50,000 per person. Travelers participating in adventure sports can purchase an optional add-on bundle for additional coverage. In case of emergency, Travelex policy holders might do well to consider the travel insurance benefits on their credit cards to supplement any potential medical expenses.

Read our Travelex Insurance review here.

Most Popular Cancel for any Reason Travel Insurance: Trawick Travel Insurance

Trawick International Travel Insurance had one of the priciest plans with CFAR coverage in our comparison, but the carrier's popularity amongst travelers is undeniable, for many reasons. The Safe Travels Explorer is particularly beneficial for pet owners who may incur medical expenses for their animals, as the plan includes up to $250 toward unexpected costs for cats and that who accompany their owners in their travels.

While Trawick's CFAR coverage was one of the most expensive add-ons we evaluated as well, the carrier offers generous compensation margins for travelers who need it, with up to 75% reimbursement for nonrefundable trip costs.

Read our Trawick Travel Insurance review here.

Best CFAR Coverage for Cruises: A XA Assistance USA Travel Insurance

AXA Assistance USA  is a great option for our hypothetical Europe cruise travelers, with its coverage of up to $1,500 per person for missed cruises and tours. This insurer also covers lost and delayed ski, sports and golf equipment – items that aren't always included in lost or delayed baggage coverage under other carriers. The rest of your belongings are safe too with AXA, as lost baggage claim ceilings are up to $3,000 per person - more than double some of its other competitors. Unfortunately, AXA may not be the best fit for travelers who need high-ticket travel protection, as the upper limit for CFAR reimbursement only goes up to a maximum of $50,000 despite covering up to 75% of total nonrefundable expenses, which is lower than the ceilings from other competitors such as AIG and Seven Corners. Furthermore, CFAR insurance coverage can only be added on to AXA's top-tier Platinum plan.

Read our AXA Assistance USA Travel Insurance review here

Best CFAR Coverage for Convenience: TravelSafe Travel Insurance

Travel insurance is a great option to consider if you have a lot of stops or transits on your trip, or if you are an expat living abroad. This insurer offers flexible coverage terms for longer travel durations. If you are 79 years old or younger, you can purchase a single-trip travel insurance plan that can cover your adventures for up to 120 days. Furthermore, reimbursement for baggage delays and losses, trip delays and missed connections kick in far more quickly than most competitors, with up to $2,500 per person for eligible missed travel connections available at the three-hour mark.

While TravelSafe's medical coverage of up to $100,000 may be on the lower side for travelers who anticipate potential medical expenses, those with the right credit cards may be able to supplement their emergency costs through a claim with their card issuer.

Read our TravelSafe Insurance review here.

Understanding 'Cancel for Any Reason' Coverage

Key features.

CFAR policies are unique; they allow cancellation for reasons beyond the usual covered reasons of travel insurance policies. This includes fear of traveling due to a pandemic or a sudden change of mind. However, it's essential to understand the specifics, such as the percentage of the trip cost reimbursed and the time frame for cancellation.

How CFAR Differs from Standard Policies

Unlike traditional travel insurance policies that cover specific cancellation reasons like illness or weather-related issues, CFAR offers a broader spectrum of coverage. It's the premium choice for travelers seeking full control over their plans.

That said, you must also buy travel insurance early if you want to qualify for a CFAR policy, usually within a certain period from when you place a deposit on your trip. That's why it's important to be mindful of when you buy travel insurance . 

How to Pick The Best CFAR Travel Insurance Plan for You

There is no one-size-fits-all "best" insurance plan, especially for CFAR coverage, which can add to your insurance premium. Even for the same person, the right policy will vary from trip to trip, depending on your activities.

If you're primarily concerned about getting your money back if your schedule changes, you may be able to get away with a basic plan that allows you to add CFAR coverage. If you're undertaking a grueling hike through some challenging mountain ranges, you may want to select a policy that includes generous medical and evacuation protection, plus flexibility to reschedule or re-book your trip in case of injury. And if you plan to visit a number of destinations within a short amount of time, trip delay or baggage loss protection may need to be one of your top priorities.

Steps to Choosing CFAR Coverage

• Evaluating Your Travel Needs Consider the nature of your trip, destinations, and what uncertainties you might face. This will help determine the level of travel insurance coverage you need.
• Comparing Prices and Benefits Analyze different policies in terms of cost, coverage percentage, and additional benefits. Look for the best value for your specific needs.
• Reading the Fine Print Understanding the terms and conditions, including the cancellation window and reimbursement process, is crucial to avoid any surprises.
• Making the Most of Your Policy Once you've chosen a policy, it's important to know how to use it effectively.
• Understanding Your Policy Familiarize yourself with the details of your policy, including how and when to file a claim.
• Tips for Filing a Claim Be timely and thorough when filing a claim. Keep all relevant documents handy and follow the provider's process closely to ensure a smooth experience.

CFAR insurance is purchased as an add-on to a single trip travel insurance policy. It will affect how much you can receive for a canceled trip, but won't affect your other benefits. 

No, insurance providers generally don't offer CFAR for multi-trip annual plans. It's limited to single trip travel insurance.

This varies by provider, but typically, CFAR policies reimburse between 50% and 75% of the pre-paid, non-refundable trip cost.

Yes, cancel for any reason travel insurance is worth it if there's a chance you need to change your travel plans. Traditional travel insurance only offers cancellation coverage for specific reasons, so CFAR insurance provides extra coverage and peace of mind. It also reduces the amount of paperwork necessary for filing a claim.

Trip cancellation coverage is a benefit of standard travel insurance plans, offering reimbursement if your trip needs to be canceled for specific covered reasons, such as a death in the family or illness. On the other hand, cancel for any reason insurance, reimburses you for a canceled trip regardless of the reason, so there are fewer restrictions.

Why You Should Trust Us: How We Chose the Best CFAR Travel Insurance

Business Insider reviewed numerous insurance products looking for the best options. Especially when it come to travel insurance, each traveler has a distinct experience and plan. So we looked for companies offering the optimal coverage packages for certain groups.

To accurately compare the cost of CFAR coverage from the insurance carriers we recommend, we collected quotes for a hypothetical two-week trip to three countries in Europe for two travelers ages 38 and 45 that includes a river cruise, renting a vacation home, and taking several flights. The total cost of travel comes out to $14,000 between two people.

The main factors we evaluated when picking our top CFAR travel insurance options were: policy cost, level of protection, claims experience, and policy types.

All our reviews are independently done, meaning travel insurance companies don't get to review or approve our reviews. Similarly, our top guide spots are not for sale. All placements are earned through strong coverage, efficient claims handling, and strong customer service.

Read our insurance rating methodology for more details.

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