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Notice to CAA Members in Ottawa: we’re making it easier to get travel advice, insurance coverage, and Membership services by combining our resources and merging CAA Hunt Club with CAA Nepean effective Apr. 15, 2024. Click here for more details.

Multi-trip travel insurance plans

If you travel often multi-trip1 travel insurance plans will save you time and money. CAA’s multi-trip travel insurance plans offer the same comprehensive coverage as our single trip policies (including up to $5 million CAD2 in coverage) but for 365 days a year. A multi-trip plan starts each time you leave Canada, so there is no need to waste time signing up for a new plan. But it also provides flexibility. If you travel longer than planned, you can also purchase a top-up. Best of all the more you travel – the more you save! CAA Members save up to 20%3 on their policy. If you’re not a CAA Member, join now for just $304 a year plus tax.

It’s now easier than ever to get year-round travel medical or vacation package insurance online. In just a few simple steps, you’ll have a quote that’s good for 30 days. You can also visit a CAA Store or call 1-800-267-8713 to speak with a CAA Travel Consultant.

Get a Quote

How long does it cover for?

Stay covered against the cost of unexpected medical emergencies for multiple individual trips (up to 4, 8, 15, 30, or 60 days each) throughout the year. Your multi-trip plan starts each time you leave Canada. If you stay longer than the days included in the plan, a top-up can be purchased.

Upgrade to a multi-trip vacation package

Want the best possible coverage all year long? Upgrade your policy to a multi-trip vacation package. Not only will you get emergency medical coverage, but you’ll also have trip cancellation and interruption insurance, travel accident coverage, baggage loss, and more.

Learn More


Pick a plan that’s right for you

Multi-Trip Plan

Multi-Trip Vacation Package

Emergency medical travel insurance up to $5 million

Yes

Yes

Medical repatriation

Yes

Yes

Return of remains

Yes

Yes

Non-medical emergency evacuation

Yes

Yes

Medical follow-up in Canada

Yes

Yes

Trip cancellation insurance

No

Yes

Trip interruption insurance

No

Yes

Flight and accident insurance

No

Yes

Baggage loss and damage

No 

Yes

Unlimited number of trips for a year (up to the number of days selected at purchase)

Yes

Yes

Read our full policy guide online.

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 coverage2

CAA Members save up to 20% on their policy3

Canadian Goose flying over Peru

CAA Members save up to 20% on travel insurance3

Get a Quote

CAA Member testimonial

Frequently Asked Questions

You are eligible if you:

  • Are insured under a valid Canadian provincial or territorial health insurance plan (GHIP)
  • Purchase the policy before you have left Ontario
  • Meet the eligibility requirements
  • Are an Ontario resident
  • Purchase your policy before you depart If you purchase your travel insurance policy after you leave for your vacation or after an injury/illness has occurred it will not be valid.
  • Make sure you’re aware of what claims aren’t covered: Certain things such as planned procedures, routine checkups, or unstable pre-existing medical conditions are not covered by insurance and therefore would be denied if a claim was submitted.
  • Read  and fill out the medical questionnaire very carefully: If you forget to include a certain health condition this could lead to a void of your policy, everything including long term and unused prescriptions must be disclosed.

Annual travel policies are a cost-effective way for frequent travellers to purchase travel insurance benefits for multiple trips in one year. They cover your medical and travel benefits for multiple trips in one year, so you don’t have to worry about buying insurance every time you fly.

Yes, CAA provides you with up to $2,500for reimbursement of change fee, new one-way flight to your next and missed days of your cruise or tour. Read our policy guide for a full list of what’s covered.

If you travel frequently, a multi-trip insurance plan will save you time and money. You'll be protected against the cost of unexpected medical emergencies for multiple individual trips throughout the year. The more you travel, the more you save.

You can top up or extend your multi-trip insurance as long as it's within the same year your original policy was purchased.


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. Medical Multi-Trip Plans cover 4, 8, 15, 30, or 60 days per trip depending on the plan you purchased. Top-Up coverage is available for longer trips. Coverage cannot extend beyond 365 days from departure date or effective date. 

2. 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.

3. 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. 

4. Visit caaneo.ca/termsandconditions for offer details and full Membership Terms and Conditions. 

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. 

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