Travel Insurance top-ups, extensions and riders

We know travel plans can change. That’s why CAA Travel Insurance offers top-ups and extensions to your travel insurance policy. CAA Members save up to 20% on their policy.

Travel Insurance top-ups, extensions and riders

We know travel plans can change. That’s why CAA Travel Insurance offers top-ups and extensions to your travel insurance policy. We’ll top-up your existing travel insurance coverage (even if it’s through another provider) or extend your current CAA Travel Insurance plan so you can keep travelling protected.

Need additional coverage not included in your policy? CAA Travel Insurance offers riders you can add on to your insurance plan for pre-existing medical conditions, select air activities, and select high-speed activities. CAA Members save up to 20%¹ on their policy. If you’re not a CAA Member, join now for just $30² a year plus tax.

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What top-ups and extensions are available?

Add more days of coverage with a top-up or extension to any of the following insurance plans:

CAA’s Multi-Trip Vacation Package Plan
CAA’s Multi-Trip Plan
Multi-Trip Plan from another insurance provide
CAA's Single-Trip Plan
Single trip medical plan from another insurance provider

What is rental vehicle damage insurance?

Renting a vehicle while travelling? Get coverage against the physical damage or loss of a rented vehicle and associated costs.

Coverage of physical damage or loss of a rented vehicle
Compensation of expenses including towing, salvage, fire department, customs duties and loss of the vehicle

Learn More

Travel Insurance rider options

Pre-Existing Medical Condition Rider³

Provides peace of mind if you have an unstable medical condition or have had a change in medication prior to departure. Can be added to all emergency medical and vacation package plans. Coverage up to a maximum of $200K per insured per trip for eligible hospital and medical-related expenses for sickness or injury incurred as a result of a pre-existing medical condition that existed prior to the departure date. The rider decreases the stability period to seven days prior to the trip.

Adventurous Air Activities Rider⁴

Provides peace of mind and medical coverage if you'll be doing things like parasailing, hot-air ballooning or taking a helicopter tour. Can be added to all emergency medical and vacation package plans. Optional medical coverage up to $5,000,000 for death or injury sustained while performing activities that are currently excluded from the policy.

Sport and Speed Rider

Provides peace of mind and medical coverage for those engaging in activities involving extreme speed. Can be added to all emergency medical and vacation package plans. Reimbursement for expenses incurred as a result of an injury or sickness while participating in, training or practicing for a professional sport or motorized speed contest.

Read our full policy guide online.

Don't pass up CAA Member discounts!

When purchasing CAA Travel Insurance online, make sure to provide your CAA card number to save up to 20% on your insurance premium.

You'll be requested to input your 16 digital card number after reviewing your quote.

Why trust CAA Travel Insurance?

CAA is Canada’s #1 Most Trusted Brand⁵

We offer 24/7 Multilingual Assistance⁶

Get up to $5 million of coverage⁷

CAA Members save up to 20% on their policy¹

CAA Members save up to 20% on travel insurance¹

Get a Quote

CAA Member testimonial

Frequently Asked Questions

What is a top-up?

A top-up provides extra insurance coverage by replenishing the amount your insured for up to a certain amount. The top-up plan is activated if your medical expenses exceed the amount you’re insured for.

How long can I extend my travel insurance for?

You can extend your travel insurance up to a year.

Is there a limit on how many times I can extend my insurance on one trip?

You can extend as many times as you want within a year.

Do I need to extend my travel insurance?

Yes, if you are extending your trip. If anything happens while you are away without travel insurance you will be responsible to cover the full price of whatever incident has occurred, which can be expensive.

Can I add a top-up, extension, or rider after I've already left on my trip?

Yes, you can purchase an extension/top-up to the original policy while at the destination, as long as no claims have been made.

Do I still need rental vehicle damage insurance if my rental company has a Collision Damage Waiver?

It is still a good idea to get rental vehicle damage insurance if the rental company has a Collision Damage Waiver. The waiver transfers the responsibility to pay for damage to the auto rental company, but it can include exclusions.

Read more about CAA Travel Insurance

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^{CAA Travel Insurance, an Orion Travel Insurance product, is underwritten by Echelon Insurance. Certain exclusions, limitations and restrictions apply. Subject to change without notice. A Medical Questionnaire is required if you are 60 years of age and older. Quotes are valid for 30 days.}

^{1. Applies to CAA Members in good standing (CAA Membership dues paid in full by Membership expiry date). Up to twenty percent (20%) savings applies to the total premium excluding applicable taxes. Minimum premium applies. Subject to change without notice. Excludes Visitors to Canada Insurance. CAA Everyday, Classic®, and Plus® Members save 10%. CAA Premier® Members save 20% at CAA Stores or by calling 1-800-267-8713. CAA Premier Members save 10% and earn 10% in CAA Dollars® when booking online.}

^{2. Visit caaneo.ca/termsandconditions for offer details and full Membership Terms and Conditions.}

^{3. All pre-existing medical conditions must be stable within 7 days prior to departure. Certain exclusions, limitations and restrictions apply.}

^{4. Certain exclusions, limitations and restrictions apply.}

^{5. CAA was voted the number one most trusted brand in Canada by the Gustavson School of Business Brand Trust Index in 2022.}

^{6. CAA Assistance is provided by Global Excel Management Inc. In-province virtual assistance is limited to four (4) calls per insured per policy term.}

^{7. Up to $5 million CAD. Maximum $25,000 for all Emergency Medical Insurance benefits for Canadian residents without active Government Health Insurance Plan (GHIP); and/or without GHIP authorization to cover trip days in excess of 212 days in Ontario in a 12-month period.}

^{®CAA trademarks are owned by, and use is authorized by, the Canadian Automobile Association.}

Travel Insurance top-ups, extensions and riders

What top-ups and extensions are available?

What is rental vehicle damage insurance?

Travel Insurance rider options

Pre-Existing Medical Condition Rider3

Adventurous Air Activities Rider4

Sport and Speed Rider

Why trust CAA Travel Insurance?

Frequently Asked Questions

Read more about CAA Travel Insurance

Pre-Existing Medical Condition Rider³

Adventurous Air Activities Rider⁴