caa travel insurance for seniors

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• CAA Travel Insurance Review

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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.

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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. ®Orion Travel Insurance logo and trade names are registered trademarks of Echelon 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.