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Your Return-to-Travel Guide

Before the COVID-19 pandemic, it was easy to book a spontaneous sojourn – we could hop a plane on a whim, with little planning required. But now, after nearly two years spent hunkered down at home, we’ve emerged to find that trip planning has become a more complicated process, with safety top of mind. But travel is possible, as long as you research in advance and follow the latest health guidelines. Here are some helpful tips to guide your next getaway. By Bianca Bujan | BCAA Magazine, Fall/Winter 2021

With the majority of British Columbians fully vaccinated, and more of the world opening to Canadian visitors, we’re starting to get comfortable with the idea of travelling again. According to a recent BCAA survey, 58 per cent of British Columbians feel ready to travel either this year or next.

Where Canadians can travel now

What to expect depends on where you’re headed. As winter approaches, Canadians typically set their sights on warm weather destinations. Many of those spots are now open to us again, along with more than 100 countries worldwide. This includes Mexico – the most popular sun destination flown out of Vancouver International Airport – plus Cuba, Costa Rica, the Dominican Republic and many more. As of November 2021, fully vaccinated Canadian travellers can cross the US border by land. Arrival by air is also permitted, with proof of vaccination and a negative COVID-19 test within 72 hours of departure.

Whether it’s safe to travel in general is a personal question. No destination is risk-free, so travellers will have to decide for themselves, says Agnes Gulbinowicz, Manager of Travel Insurance Product for BCAA. Before you go anywhere, check and follow the advice at: travel.gc.ca. “Depending on where you’re going, different requirements and restrictions may be in place – something to keep in mind as you plan,” she adds.

Vaccination is your most important travel prep step and best line of defence against COVID-19, abroad and at home.

Essential prep and planning

Begin by ensuring that all eligible members of your travel party are fully vaccinated, at least two weeks before departure. With new, highly contagious COVID-19 variants emerging around the world, this is the best way to prepare and protect yourself abroad.

Once you’ve picked your destination, allow extra time for research and planning, says Gulbinowicz. On top of entry requirements, read up on rules within your destination. For instance, are masks required in public spaces, like shops, subways, taxis and theatres? Along with your normal travel documents, such as current passports and visas, you’ll need to pack proof of vaccination for most places. Some countries have vaccine passport programs similar to BC’s Vaccine Card system, so keep your document on hand and ready to produce in museums, restaurants and wherever requested.

During your trip

At airports, patience is a must. You can expect longer lines due to additional security and safety checks. Departure and arrival delays are common, too, so get there as early as possible. Masks are mandatory in lounges, concourses and other communal spaces. As you board, gate agents may take your temperature, and you’ll notice flight attendants checking in regularly to make sure masks stay on, except during meals.

Sensible safety precautions apply as much during your trip as they do back home: wash your hands frequently and wear a mask in all crowded spaces, even when it’s not required by law. When possible, stick to outdoor dining and activities in your destination to lower your risk.

You should also self-monitor for COVID-19 symptoms before and during your travel, and isolate if you experience symptoms, even mild ones. And what if you catch COVID-19 while travelling? In most places, you would be forced to quarantine locally at your expense for 10 days to two weeks (or until you needed medical attention). “If a traveller is showing symptoms, we encourage them to call us and get an assessment right away,” says Gulbinowicz.

Travellers returning to Canada must take a PCR test and share info using the ArriveCAN app .

Travel insurance in the age of COVID

If travel insurance was a smart choice before COVID-19 – to cover unexpected delays and out-of-country medical issues – it’s even more essential now. Finding a provider that offers COVID-19-specific coverage is key.

BCAA Travel Insurance now includes COVID-19 medical coverage at no additional cost, says Gulbinowicz. Travellers who are fully vaccinated with a Health Canada-approved vaccine at least 14 days prior to departure can receive up to $10 million for COVID-19-related medical expenses outside of Canada. Those who have a first dose 14 days before departure can get up to $1 million in coverage. Meanwhile, a new BCAA Virtual Care program allows customers to speak to a doctor by phone or video, from anywhere in the world, by dialling the BCAA claims assistance centre. A team member guides the caller through a remote assessment, and assists with accessing the service.

“It allows you to potentially skip having to go to an ER or clinic in person while travelling abroad. You can avoid unnecessary in-person interactions that may put you in harm’s way,” says Gulbinowicz. The team then works closely with medical personnel to understand your situation, direct you to local medical resources and, where possible, set up direct payments for medical costs if needed.

Wherever your travels take you, one thing is certain: the comfort of knowing someone is watching out for you back at home makes it easier to go with confidence.

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Planning a trip? With BCAA Travel Insurance, you get FREE COVID-19 medical coverage and worldwide virtual care. Plus, Members save 10%.

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Enjoy Your Trip With BC's Top Choice

Travel insurance, comprehensive coverage & flexible plans, travel emergency medical insurance.

Up to $10,000,000 in coverage for unexpected medical expenses including 24/7 virtual care options, for travel outside of BC

Visitors to Canada Travel Emergency Medical Insurance

Coverage for visitors to Canada, returning Canadians and new immigrants

Trip Protection Coverage

Coverage for trip cancellation, trip interruption, airline delays and baggage loss, damage or delay

Why Choose BCAA Travel Insurance?

We understand the unique needs of BC travellers heading out of province on short vacations, multiple trips throughout the year or those visiting Canada.

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Get FREE coverage for your Kids, plus BCAA Members save 10%*. You'll also save up to an additional 10% with our loyalty discount.

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British Columbians consistently rank BCAA as BC’s Most Trusted Insurance Brand**.

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Our emergency claims team is always ready to help 24 hours a day, 365 days a year anywhere in the world.

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Our expert advisors will help you choose the right coverage for you, with options for pre-existing conditions, trip cancellation, lost baggage and more.

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Offering expert advice, useful articles, inspiring stories and simple tips to help you navigate life’s many roads.

Travel insurance that can protect your trip in a big way

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Family travel: How to have a memorable and safe spring break vacation

BC’s Top Choice for Travel Insurance based on a third party market share study of responses from approximately 1,500 British Columbians per month; BCAA is consistently selected by the highest proportion of British Columbians for where they purchased their travel insurance.

The availability of virtual care depends on your geographic location, medical emergency and remains subject to the discretion of BCAA Claims Assistance. Travel Insurance is sold through B.C.A.A. Holdings Ltd. dba BCAA Insurance Agency, a licensed insurance agent and is underwritten by BCAA Insurance Corporation. Insurance claims are administered by Orion Travel Insurance, a division of Echelon Insurance, and its subcontractors, Active Care Management (2018) Inc. and Global Excel Management Inc. and all policy terms, conditions, exclusions and limitations can be found in the policy wording at bcaa.com/wordings. The availability of virtual care depends on your geographic location, medical emergency and remains subject to the discretion of BCAA Claims Assistance. * BCAA Member savings on insurance products are only available with Basic, Plus, or Premier Membership plans. For full details, please visit bcaa.com/plans . Applicable to Travel Emergency Medical Insurance policies. Dependent children are free on family policy with two paying adults. Adults must be age 59 or younger. Policy terms and conditions apply. **BCAA, in association with CAA, was chosen as the #1 Most Trusted Insurance Brand by British Columbia participants in the 2023 Gustavson Brand Trust Index.

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Get More Benefits  with the CAA Preferred SM Best Western Rewards ® Program

Best Western ® Hotels & Resorts  is pleased to offer discounted rates for AAA members on room rates throughout North America.

Canada’s vast open roads await. From bustling eastern city life in Toronto to the spectacular ocean and mountain views in Vancouver, explore the country. A Best Western Hotels & Resorts branded hotel is ready to welcome you on your next road trip.

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CAA Members, Want More Benefits? Join the CAA Preferred SM Best Western Rewards ® Program

Join our exclusive program created for CAA members and get on the road to earn more points – the fastest way to earn free room nights. 

• CAA Best Western Reward Members are automatically upgraded to Gold status
• Earn 10 points for every U.S. dollar spent on qualified hotel room rates
• Receive a discount on room rates at Best Western Hotels & Resorts with the CAA Member discount.
• Points never expire
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Automatic Enrollment Discounts with the CAA Rate* Points Never Expire No Blackout Dates Exclusive Reservation Line Free Night Redemptions Count Towards Elite Status Exclusive Member Rates Pay with Points 5 Complimentary Water and Points Upon Arrival 1 500 Bonus Points Upon Arrival Qualifications 2  for 2024 3 5 Qualifying Nights

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50% Bonus Points For Qualifying Nights

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1  Points may not be available at all international locations. Complimentary water (based on location may be bottled or filtered). 2 Activity required per calendar year to achieve or maintain status. Only qualified nights will count towards elite qualification. 3  Any Elite member who reaches a new elite tier level in 2024, will maintain that tier level through March 31, 2026.  4 Early check-in & late check-out, subject to availability. 5 A minimum of 5,000 points must be redeemed. Available at select hotels.  6 BWR members staying at an Executive Residency, SureStay Studio or @Home property will receive 5 BWR points for each $1USD spent on room revenue before taxes and fees.

**CAA Preferred℠  Best Western Rewards ® enrollment/membership required prior to first qualified stay. A 'qualified stay' is defined as one or more nights (consecutive) at an individual Best Western Hotels & Resorts branded hotel, regardless of multiple check-ins/check-outs, at a rate eligible for Best Western Rewards ® points or airline rewards. Please allow 2 to 3 weeks for posting of bonus points or airline rewards. Discount offer valid at participating Best Western Hotels & Resorts branded hotels. Other restrictions may apply. Offer not valid with any other promotion or discount. Promotion subject to cancellation or change without notice. Hotel numbers are approximate and may fluctuate. All Best Western Rewards program rules apply. 10% point bonus applicable to base points only. See bestwesternrewards.com for additional program TERMS AND CONDITIONS. CAA and CAA marks are owned, and use is granted, by the American Automobile Association.

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What coverage does my bcaa membership provide if i am travelling to another province or country, bcaa membership follows you around the world with the same coverage as you have under your current membership plan. sep 25, 2023 • knowledge, was this article helpful, related articles.

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BCAA Travel Insurance Review 2024

Updated: Feb 28, 2024, 3:40am

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

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

Table of Contents

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

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

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

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

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

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

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

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

The individual benefits are as follows:

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

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

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

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

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

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

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

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

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

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

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

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

Travel Emergency Medical:

Trip Cancellation and Interruption:

Travel Delay and COVID-19 Quarantine:

Travel Accident:

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

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

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

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

CUMIS Travel Insurance

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

Related: CUMIS Travel Insurance Review

TuGo Travel Insurance

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

Related: TuGo Travel Insurance Review

Pacific Blue Cross

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

Related: Pacific Blue Cross Travel Insurance Review

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

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

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

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

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

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

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

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

Support before you leave on your trip includes:

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

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

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

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

Specifically, BCAA has the following age-specific exclusions:

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

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

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

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

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

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

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

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

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

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

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

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

Depending on your claim, supporting documentation may include:

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

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

BCAA Travel Insurance FAQs

Does bcaa pay for medical costs upfront.

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

Does BCAA offer coverage extensions?

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

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

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

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

Does BCAA require a medical questionnaire?

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

Does BCAA have any age restrictions?

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

Does BCAA provide coverage for COVID-19?

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

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

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

When does my coverage with BCAA begin?

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

Can I get a refund with BCAA?

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

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

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

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

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

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

Does BCAA offer a free look period?

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

Fiona Campbell is a Staff Writer for Forbes Advisor Canada. She started her career on Bay Street, but followed her love for research, writing and a good story into journalism. She is the former editor of Bankrate Canada, and has over 20 years of experience writing for various publications, including the Globe and Mail, Financial Post Business, Advisor’s Edge, Mydoh.ca and more.

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Best Hotels in Samara, Russia

Samara Hotels

Property types, distance from, traveller rating, hotel class, popular hotels in samara right now.

• Best Value Properties ranked using exclusive Tripadvisor data, including traveller ratings, confirmed availability from our partners, prices, booking popularity and location, as well as personal user preferences and recently viewed hotels.
• Traveller Ranked Highest rated hotels on Tripadvisor, based on traveller reviews.
• Distance to city centre See properties located closest to the centre first with confirmed availability for your dates from our partners

1. Moya Glinka

3. Lotte Hotel Samara

4. Hampton by Hilton Samara

5. HolidayHall Samara Hotel

6. Green Line Samara Hotel

7. Ibis Samara

8. Hotel Graf Orlov

9. Meridian Hotel

10. House on Potapova

11. Vestrum Hotel

12. Hotel Trend

13. Countries Hotel

14. Alliance Hotel Samarskiy

15. ost west club.

16. Angel Hotel

17. Equator Hotel

18. Bristol-Zhiguli Hotel

19. dom sivre boutique hotel, 20. russian hunting hotel complex, 21. welcome inn, 22. oktyabrskaya hotel.

24. Villa Classic

25. TsSK VVS Hotel

26. samara hotel.

27. Hotel Sovremennik

28. rossiya hotel.

29. Like Hostel

30. Iceberg Hotel

Samara Hotels Information

Hotels near the sights.

Exploring the Charms of Samara Oblast: A Comprehensive Travel Guide

Samara Oblast, a region nestled in the heart of Russia, is a hidden gem waiting to be discovered by travelers seeking a unique blend of culture, nature, and history. Encompassing picturesque landscapes, vibrant cities, and a rich cultural heritage, Samara Oblast offers an array of experiences for all types of adventurers. In this comprehensive travel guide, we’ll explore everything you need to know about Samara Oblast, including the best time to visit, must-see places, exciting activities, transportation options, dining experiences, accommodation choices, famous street markets, and essential travel tips to make your journey truly unforgettable.

About Samara Oblast: Geography: Samara Oblast is located in the southeastern part of European Russia. It boasts diverse landscapes, including the Volga River, dense forests, rolling hills, and vast steppes.

Culture: The region’s culture is a fusion of Russian traditions and the heritage of the many ethnic groups residing there. Samara is known for its distinct folklore, music, and festivals.

Best Time to Visit Samara Oblast: Summer (June to August): Summer is the ideal time to visit Samara Oblast. The weather is warm, nature is in full bloom, and outdoor activities are at their peak.

Spring (May and early June) and Autumn (September): Spring and autumn offer pleasant weather, making it an excellent time to explore the region with fewer crowds.

Winter (December to February): Winter in Samara Oblast is perfect for those who enjoy snow activities like skiing and ice skating. The snow-covered landscapes are enchanting.

Places to Visit in Samara Oblast: Samara: The city of Samara, the regional capital, is known for its vibrant cultural scene. Don’t miss the Samara Art Museum, the beautiful embankment along the Volga River, and the historic center.

Zhigulevsk: This charming town is famous for its namesake Zhigulev beer. Visit the Zhigulevskye Hills and explore the local brewery to learn about the beer-making process.

Tolyatti: Tolyatti is one of Russia’s major industrial cities and offers a glimpse into modern urban life. Explore the city’s parks and the impressive Tolyatti Avtovaz automobile factory.

Volga River: The Volga River, one of Russia’s most famous waterways, flows through Samara Oblast. Enjoy a river cruise to appreciate the scenic beauty and historical sites along its banks.

Things to Do in Samara Oblast: Outdoor Adventures: Explore the region’s diverse natural landscapes through activities like hiking, camping, fishing, and birdwatching.

Cultural Festivals: Samara Oblast hosts numerous festivals and events throughout the year, celebrating music, dance, and local traditions. Check the event calendar to plan your visit accordingly.

Volga River Activities: Enjoy boat tours, fishing, and water sports on the Volga River, a central part of Samara Oblast’s identity.

Hot Air Ballooning: Get a unique perspective of the region’s landscapes by taking a hot air balloon ride, offering breathtaking views.

How to Get Around Samara Oblast: Domestic Flights: Samara’s Kurumoch International Airport connects the region to other Russian cities. Domestic flights are the most efficient way to travel.

Trains and Buses: Samara Oblast is well-connected by train and bus networks, making it easy to travel to cities and towns within the region.

Rental Cars: Renting a car is a convenient option for exploring Samara Oblast, especially if you plan to visit remote areas. Ensure you have the necessary documentation and insurance.

Local Transport: Cities like Samara and Tolyatti have public transportation systems, including trams, buses, and trolleybuses, making it easy to get around.

Where to Eat in Samara Oblast: Russian Cuisine: Sample traditional Russian dishes like borscht, pelmeni, and shashlik at local restaurants.

Local Specialties: Try regional dishes such as Samara-style kholodets (jellied meat) and the famous “Zhigulevskoe” beer.

International Cuisine: Samara Oblast also offers a variety of international cuisine, including Italian, Chinese, and European restaurants.

Famous Street Stalls in Samara Oblast: While street food culture may not be as prevalent in Samara Oblast as in larger cities, you can find local stalls offering traditional Russian and street food snacks in some areas.

Where to Stay in Samara Oblast: Hotels: Samara Oblast offers a range of hotels, from luxury to budget-friendly. Some popular options include the Renaissance Samara Hotel and the Hotel Ibis Samara.

Guesthouses and Homestays: For a more immersive and personal experience, consider staying in guesthouses or homestays in smaller towns and villages.

Camping and Eco-Lodges: If you prefer a more adventurous and nature-focused experience, consider camping or staying in eco-lodges near national parks and outdoor destinations.

Travel Tips for Samara Oblast: Visa Requirements: Ensure you have the necessary visa to enter Russia. Visa regulations can be strict, so check well in advance of your trip.

Language Barrier: English may not be widely spoken, so it’s helpful to learn some basic Russian phrases or have a translation app handy.

Weather Preparation: Depending on the season of your visit, pack accordingly. Winters can be very cold, so bring warm clothing.

Respect Local Customs: Russian culture values politeness and respect. Be courteous to the locals and follow cultural norms.

Wildlife Awareness: When exploring nature, be aware of the local wildlife, including bears. Take precautions and follow local advice to ensure your safety.

Conclusion: Samara Oblast, with its diverse landscapes, rich culture, and unique experiences, promises an unforgettable journey for travelers seeking an off-the-beaten-path adventure in Russia. Whether you’re captivated by the natural beauty, cultural festivals, or outdoor activities, Samara Oblast has something for every type of traveler. By following the travel tips provided in this guide, you can make the most of your visit to this enchanting region, whether you come in the summer, winter, or any other season. Samara Oblast is a destination where lasting memories are waiting to be created.

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