Travel Insurance

The first step is to contact your advisor. If you are not satisfied with the information they provide, you can write to us. For more details, including contact information, please refer to our Complaint Handling and Dispute Resolution Policy.

Everyone has access to the insurance products we offer on our website. You are warmly welcomed to request a quote for any of them that are of interest to you.

Naturally, we provide special benefits for CAA-Quebec members, such as discounts on various insurance premiums as well as preferential rates. Becoming a member to take advantage of these benefits could prove worthwhile for you. Feel free to discuss it with one of our advisors.

The coverage offered by the RAMQ (Régie de l’assurance maladie du Québec) when you travel outside Quebec is far from complete. In addition, the RAMQ doesn’t provide 24/7 assistance services if something goes wrong. 

Travelling outside Canada: The RAMQ will reimburse only a very small part of the medical expenses incurred abroad: $50 for a visit to a physician $100 per day of hospitalization. Many other fees aren’t covered at all, like prescription drugs, ambulance transport or repatriation, which can rapidly add up to a hefty bill.  

Travelling in Canada: The RAMQ will reimburse professional services only up to the rates in effect in Quebec, even if the insured person has paid more. If the service is more expensive than in Quebec, you will have to pay the difference. Furthermore, in the rest of Canada and abroad, prescription drugs, emergency dental care, ambulance transportation and repatriation costs are not covered. 

For further details, visit the Régie de l’assurance maladie du Québec website.

Although the addition of a deductible is optional, it is a good way to reduce your insurance premium. You can choose from among different deductible amounts. The chosen amount is the maximum you will have to pay for your medical expenses in the event you experience a problem abroad. The insurer will pay the remaining amount, if any. 

Whether or not you opt for coverage with a deductible, you should always contact the insurer’s assistance service to have treatments approved.

Yes, but be aware that insurance companies and carriers may not have the same requirements. 

While Canadian authorities allow pregnant passengers to fly up until the 36^th week of pregnancy, most travel insurance policies have different conditions. 

Travel Insurance offered by CAA-Quebec covers pregnancy and related complications if the pregnancy has not been declared high-risk and if the pregnant woman is travelling before the final nine weeks preceding her due date. 

However, children born while travelling are not covered, regardless of when they were born. 

Please note that the airline may require written confirmation of the number of weeks of pregnancy. Therefore, it is important for pregnant passengers to consult their physician and obtain all the necessary information before travelling.

Yes! The Annual Plan package option from CAA-Quebec Travel Insurance is perfect for people who plan to make several trips a year. This Annual Travel Insurance is offered as an option with the Emergency Medical Insurance and the Vacation Package Plan. 

You choose the maximum duration of your coverage based on the total length of your stays. Several trip-length options are available to you. 

Choosing this option saves you time, since you’ll be covered for all your trips during the year under a single policy. Plus, you won’t need to notify your insurer before each trip unless an extension is required or your state of health changes. 

It also saves you money: the insurance generally pays for itself after just two trips.

Travel insurance premiums are calculated by taking into account several criteria, including the length of the trip, the person’s age, the coverage chosen, and the state of their health (above a certain age). 

A unique, highly efficient calculation tool has been specially designed for this purpose. It enables our advisors to offer you the best option every time, along with a personalized premium at the lowest possible rate. 

And that’s not all! There are many discounts to choose from, all of which can be combined. CAA-Quebec members are automatically awarded a discount of 10% on their premium. Members who purchase an explore travel product, and groups of 10 or more insured persons receive an additional discount of 10%. Our family premium is another way for you to save.

You need to contact the insurer’s assistance service. Find out how.

A Quebecer who is injured in a road accident outside Quebec is entitled to the same benefits as if the accident had occurred in Quebec. Whether or not the person is at fault for the accident.  

For more information, visit the Société de l’Assurance automobile du Québec website. 

A pre-existing medical condition is a health condition that already exists at the time insurance is purchased or at the time of departure. It’s also known as a “pre-existing condition.” 

It may include, for example, a case of influenza for which you have consulted a doctor, a change in the dosage of one of your medications, high blood pressure, surgery, a problem for which you are awaiting medical results, and so on. 

You must inform your insurer of your health status, e.g., on the medical questionnaire if one is required. A false statement or erroneous information may result in your policy being cancelled and rendered null and void. 

Travel Insurance distributed by CAA-Quebec allows you to add an option to your policy to cover a pre-existing medical condition. No additional questions about your health will be asked. Your health status simply has to be stable for 7 days prior to departure for coverage to apply.

The insurer reserves up to 12 weeks to analyze and process claims related to travel insurance distributed by CAA-Quebec. You can check the status of your claim online at any time. 

Claims may be limited or denied if you did not contact the insurer before obtaining a consultation or treatment. Claims related to pre-existing conditions may be ineligible, whether or not a condition was disclosed at the time the insurance was purchased.

Yes, your premium is fully refundable up to the effective date of your policy, provided it does not contain trip cancellation insurance. Policies including Trip Cancellation and Interruption insurance cannot be refunded unless the request is made within 10 days of purchase.  

Other conditions may apply. Please refer to the Refunds section of your insurance policy for full details.

You can purchase CAA-Quebec Travel Insurance at any time prior to your trip. However, the sooner you insure, the more risks and unforeseen events you cover that could arise between now and your departure. 

In fact, you may even pay a lower premium if you take out your insurance in advance, since the premium increases with age. Therefore, it is a smart choice to purchase your insurance before your birthday. 

Furthermore, some coverages cannot be purchased at any given time, such as “all-risk” cancellation insurance. It must be taken out within 48 hours of purchase or first payment. This insurance covers cancellation of your trip for any reason whatsoever. Reasons for cancellation are not limited to the risks listed in the policy.

Yes, your Visitors to Canada policy is fully refundable up to its effective date. If it was taken out as a condition for obtaining or maintaining a super visa, you’ll need to provide proof that it was refused: 

• Proof of your early return to your country of permanent residence, issued by Immigration, Refugees and Citizenship Canada, if the policy was taken out to obtain a super visa. 

To find out how to request a refund, see the form Early Return Refund Request

Yes, you can get a refund for unused days if no claim is on file. Policies containing Trip Cancellation and Interruption insurance are not eligible for a refund of unused days. You must provide:  

• Proof of return (airline ticket, invoice, reservation email, etc.) in your province of residence. This must be signed by the insured person and indicate the place and date of your return. 

To find out how to request a refund, see the form Early Return Refund Request

Rental Vehicle Damage travel insurance is fully refundable before its effective date. You can also get a full refund during the trip if the insurance is rejected by the commercial rental agency at your destination. Proof may be required.

1. Open to CAA-Quebec members in good standing who have paid their dues in full by their membership expiry date. The 10% discount applies to the total amount of the premium, plus taxes. A minimum premium applies. Visitors to Canada Travel Insurance is excluded.

2. Family Coverage is available for 3 or more family members insured under one policy. Premium calculation is equal to 2 times the premium of the eldest traveller for the Emergency Medical Plan and 2.75 times the premium of the eldest traveller for the Vacation Package Plan. Family pricing is not available for Trip Cancellation and Trip Interruption plans. 

3. CAA Travel Assistance is provided by Xodus Travel Services Inc. Availability of virtual emergency medical assistance services may vary depending on the region and the condition of the person requiring emergency care. In-province virtual assistance is limited to four (4) calls per insured per policy term.