Missed flights? No problem.

We expect the unexpected, so you can carry on enjoying your trip. CAA Members save up to 20%* on their policy.

Travel insurance for long stays and snowbirds

Do you want to escape the snow this winter? If so, CAA offers insurance that gives piece of mind for long-term travellers like you. Plus, 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.

It’s now easier than ever to get travel insurance online – whether you’re travelling for a few weeks or planning an extended trip. 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

Five tips for your next long stay vacation

As the days get shorter and the temperatures drop, Canadian snowbirds head south and to Europe in search of sandy beaches and milder temperatures. It’s a great lifestyle of perpetual summer, but it requires a bit of planning. Here’s a few tips to get you started:

Purchase your travel insurance as you book all your plans, so you are covered for cancellations.
Make sure you have adequate medical coverage for the full length of your stay.
Make sure you have enough of your medication (if you require any) to last your entire stay.
Inform trusted neighbours or family members you will be out of the country so your house can be monitored.
Check your electricity, HVAC, and plumbing systems and unplug all of your appliances to ensure there are no incidents risks while you are away.

Don’t forget trip cancellation and trip interruption insurance

Overseas medical bills aren’t the only way to ruin a trip. Trip cancellation and trip interruption insurance will protect you against both bad luck and tough circumstances. Here’s what trip cancellation and trip interruption covers:

If inclement weather forces you to miss a flight on your way to board a cruise, it’ll pay up to $2,500 to book a seat on the next available plane.
If the airline loses your luggage, it’ll pay up to $500 to purchase new clothing and essentials.
Add trip cancellation and trip interruption coverage for your next vacation.
Learn More

Insurance coverage options and benefits³


Dental work if you’re hit in the mouth	$5,000,000
Emergency dental pain	$500
Medical follow-up in Canada	$1,000 semi-private room, private nursing $50
Getting family/travel companions home	Economy flight and $1,500 accommodation and meals
Childcare and escorted trips home	$1,000 and cost of an economy flight
Help for your pet	$500 to return your pet $300 commercial kennel $300 vet cost in the event of an accident
Vision	Up to $300 for the replacement at your trip destination of prescription eyeglasses due to theft, loss or breakage during your trip and assistance to co-ordinate the replacement.
Hearing aid	Up to $200 for the replacement at your trip destination of a hearing aid due to theft, loss or breakage during your trip and assistance to coordinate the replacement. Does not include batteries or ear molds.
Bringing your car home	Reasonable costs
Return of deceased	Reasonable costs
Cancel for Any Other Reason	75% Cancel for Any Other Reason, if your travel is booked through CAA Travel or 50% Cancel for Any Other Reason if you book with your travel through another provider.
Interruption for Any Other Reason	Interruption for Any Other Reason (up to $2,500) would be 75% coverage if you interrupt your trip for Any Other Reason when you book with CAA Travel or 50% coverage if you book your travel through another provider. To use interruption for Any Other Reason, you must be at your destination for at least 48 hours.
Before you leave (trip cancellation)	To the amount you purchase
After you have left (trip interruption)	Reasonable cost to either continue your travel or return home, plus the cost of unused travel services
Denied boarding or entry due to health rules (including COVID-19) or mistaken identity	Reasonable cost for food and accommodation related to a delay in returning home. You won’t have coverage if there was an “Avoid non-essential travel” or “Avoid all travel” advisory in place, or you haven’t taken the steps prescribed by the government.
Return trip delay	Reasonable cost to return home
Continue your trip after coming home (BounceBack)	$2,000
Lost or damaged baggage (if you choose to add this)	$1,500
Travel Accident Insurance (if you choose baggage option)	Flight Accident $100,000 & Travel Accident $50,000

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 Brand⁴

We offer 24/7 Multilingual Assistance⁵

Get up to $5 million of coverage⁶

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

How do Canadian Snowbirds get health insurance?

It’s simple! With CAA Travel insurance you can get a quote online or speak to one of our licensed travel insurance agents to help you figure out which policy is best for you.

How early can I purchase snowbird travel insurance?

If you want to avoid price increases, purchase travel insurance up to six months before your trip. That way an increase in premiums will not affect you.

What’s covered under snowbird travel insurance?

Our snowbird travel insurance is the perfect travel insurance for seniors. Your options include coverage for:

Dental work
Emergency dental plan
Medical follow up in Canada
Getting travel companions home
Child care and escorted trips home
Help for your pet
Vision care
Hearing aids
Bringing of your car home
Return of deceased
Cancel for any reason
Interruption for any reason
Before you leave trip cancellation
After you have left trip interruption
Denied boarding or entry due to health rules (including COVID-19) or mistaken identity
Return trip delay
Continue your trip after coming home (BounceBack)
Lost or damaged baggage (optional coverage)
Travel Accident Insurance (if you choose this option)

What is Snowbird travel insurance for?

It covers all your medical expenses (and some travel costs) if you were to suffer from an injury or illness while staying outside of Canada. With CAA you also have the option to add on trip cancellation and interruption insurance on top of your emergency medical.

How long can I be covered for under CAA Travel Insurance?

With CAA's multi-trip insurance plans, you'll be protected 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.

Can I add top ups or riders while I'm away?

Yes, CAA can top-up your existing coverage or extend your current plan so you can continue travelling knowing you're covered.

Read more about CAA Travel Insurance

Everything you need to know about travel visas

December 5th, 2022

Hotel and flight booked? Check! As you prepare for your next trip abroad, don’t forget to check if you need a travel visa. Canadians must have one when visiting some countries. The last thing you want to do is arrive without one and be denied entry.

8 Things you should check in your travel insurance policy

November 14th, 2022

We rounded up the 9 things you should check in your travel insurance fine print. But if you need to learn how travel insurance coverage works, CAA is here to help.

4 tips to help you save money on travel insurance

November 14th, 2022

Ready to save on travel coverage for your next trip? CAA will answer all your questions about travel insurance and get the best coverage for your budget.

^{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. Conditions apply. Check out our full policy guide online for all the details.}

^{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.}