BCAA has over 800,000 members throughout the Yukon and British Columbia. The company has been serving Canadians for more than 100 years, and is an affiliate of the Canadian Automobile Association (CAA).

Advantages

  • BCAA members get a discount on insurance, but you don’t need to be a BCAA member to buy travel insurance
  • You can choose monthly or annual payment options
  • You can make a claim over the phone or online
  • You can buy insurance if you’ve already left on your trip (but only if you’ve left in the last 48 hours).
  • There is $200,000 in optional coverage if you have an unstable pre-existing medical condition (single trip and multi-trip plans)
  • Easy, no hassle online quotes
  • No maximum age limit

Disadvantages

  • If you’re 60 years of age or older, you’ll need to fill out a medical health questionnaire

Overview

BCAA offers travel insurance products for individuals, families and visitors to Canada.

BCAA Emergency Medical Insurance Plans

BCAA offers single trip and multi-trip annual medical plans, and trip cancellation and interruption policies for individuals and families.

BCAA Single Trip Emergency Medical Plan for Individuals

The BCAA Single Trip plan includes $10 million for emergency medical coverage and a $200,000 optional coverage if you have an unstable pre-existing medical condition. This plan doesn’t come with trip cancellation or interruption or baggage insurance, but you can buy add-on cancellation, interruption, baggage, travel accident and air travel accident coverage.

Coverage is available for either worldwide, worldwide excluding the USA, or within Canada.

BCAA Multi-Trip (Annual) Emergency Medical Plan for Individuals

The BCAA Multi-Trip plan is designed for Canadians who travel outside of British Columbia three or more times a year. It includes 10 million in emergency medical coverage, and $200,000 optional coverage if you have an unstable pre-existing medical condition.

This plan doesn’t come with trip cancellation or interruption or baggage insurance, but you can buy add-on coverage for trip cancellation and interruption, baggage, travel accident, and air travel accident.

Coverage is available either worldwide, worldwide excluding the USA, or within Canada.

You can select a maximum trip length of 3, 8, 15, 30, 60, 90, 150, 183 or 365 days.

BCAA Trip Cancellation and Interruption Plan for Individuals

The BCAA Trip Cancellation plan protects you in case your trip is cancelled or interrupted as a result of sickness, injury or death when travelling, if there is a travel advisory warning, missed connections and more. It also covers non-refundable prepaid expenses like cancellation penalties and airline tickets.

This plan doesn’t come with baggage insurance, but you can purchase additional baggage, travel accident and air travel accident coverage.

BCAA Single Trip Emergency Medical Plan for Families

The BCAA Medical Plan for Families is suitable for a family that is travelling outside of British Columbia once or twice a year.

The oldest member of this plan must be age 59 or under. This plan has a limit of two adults age 59 or younger, and includes all dependent children, grandchildren and/or your spouse. Family members do not need to reside in the same household or travel together.

It includes 10 million in emergency medical coverage, and $200,000 optional coverage if you have an unstable pre-existing medical condition.

This plan doesn’t come with trip cancellation or interruption or baggage insurance, but you can buy additional cancellation, interruption, baggage, travel accident and air travel accident coverage.

BCAA Multi-Trip (Annual) Emergency Medical Plan for Families

The BCAA Multi-Trip Plan for Families is designed for Canadian families that travel outside of British Columbia three or more times a year.

It includes 10 million in emergency medical coverage, and $200,000 optional coverage if you have an unstable pre-existing medical condition.

This plan doesn’t come with trip cancellation or interruption or baggage insurance, but you can buy add-on trip cancellation and interruption, baggage, travel accident, and air travel accident coverage.

You can select a maximum trip length of 3, 8, 15, 30, 60, 90, 150 or 183 days.

BCAA Trip Cancellation and Interruption Plan for Families

This Trip Cancellation Plan for Families is will cover you if your trip is cancelled or interrupted before your departure as a result of sickness, injury or death of your traveling companion, issuance of a travel advisory warning, missed connections and others. Covered expenses include nonrefundable prepaid expenses such as airline tickets, hotel bookings and cancellation penalties.

This plan doesn’t come with baggage insurance, but you can buy additional baggage, travel accident and air travel accident coverage.

Comparing BCAA’s Travel Insurance Plans

PlanMedical Insurance CoverageDeductibleTrip Cancellation and InterruptionBaggageMaximum Age
BCAA Single Trip Emergency Medical Plan for Individuals10 millionvariableOptional add-onNo age limit but persons aged 60 and above fill a medical health questionnaire
BCAA Multi-Trip (Annual) Emergency Medical Plan for Individuals10 millionvariableOptional add-onNo age limit but persons aged 60 and above fill a medical health questionnaire. Maximum trip length of 3, 8, 15, 30, 60, 90, 150, 183 or 365 days.
BCAA Trip Cancellation and Interruption Plan for IndividualsvariableTrip cancellation non-refundable prepaid airfare and travel costs. Trip interruption non-refundable unused prepaid travel costs.Optional add-onNo age limit but persons aged 60 and above fill a medical health questionnaire
BCAA Single Trip Emergency Medical Plan for Families10 millionvariableOptional add-onNo age limit but persons aged 60 and above fill a medical health questionnaire
BCAA Multi-Trip (Annual) Emergency Medical Plan for Families10 millionvariableOptional add-onNo age limit but persons aged 60 and above fill a medical health questionnaire. Maximum trip length of 3, 8, 15, 30, 60, 90, 150 or 183 days.
BCAA Trip Cancellation and Interruption Plan for FamiliesvariableTrip cancellation non-refundable prepaid airfare and travel costs. Trip interruption non-refundable unused prepaid travel costs.Optional add-onNo age limit but persons aged 60 and above fill a medical health questionnaire

BCAA Visitors to Canada Travel Insurance

This plan is for visitors to Canada, immigrants awaiting a provincial healthcare cover or returning Canadians.

The plan includes up to $300,000 cover for hospital expenses, prescription drugs, ambulance services and medical care. You can buy additional coverage for baggage, trip and cancellation cover and other additional expenses related to air traffic. Coverage is good worldwide, except in the country of residence, as long as the majority of the time is spent in Canada.

Tips for Saving with BCAA Travel Insurance

  • If you are a member of BCAA, you can save 10 percent on travel insurance products.
  • If you’re traveling as a family, a family plan may be cheaper than buying single plans.

Refunds

You can apply for a refund 10 days after the date of application for the policy. Full refunds will be granted provided you have not traveled. Instructions for other refunds, including partial refunds, are available in individual policies.

You Need to Know

  • You don’t need to be a BCAA member to buy travel insurance through BCAA.
  • You must be a Canadian resident for individual and family plans.
  • For individual and family travel insurance plans, you should buy insurance while you’re in British Columbia. If you have already left B.C., coverage may still be available, but you’ll need to call BCAA and speak to a representative (you can find contact information here). World Nomads will let you purchase insurance online, without hassle, after you’ve left on your trip, or if you’re outside of BC.
  • For individual and family plans, you can’t be travelling against a physician’s advice and you can’t have been diagnosed with a terminal condition.
  • Insurance is sold through BCAA Insurance Agency. TuGo and TravelGold are registered trademarks of and are administered by North American Air Travel Insurance Agents Ltd., d.b.a. TuGo. Insurance is underwritten by Industrial Alliance Insurance and Financial Services Inc., Industrial Alliance Pacific General Insurance Corporation and certain Lloyd’s Underwriters, severally and not jointly.

How to Buy

You can fill an online quote and purchase your plan online. You can also call toll free 1 877 325 8888.

Want to Compare BCAA’s Travel Insurance Rates?

The easiest way to compare Canadian travel insurance rates is to use a comparison website.

Comparison websites, like Kanetix.ca, let you compare quotes for travel insurance from several different companies at once. Type in a few details about your trip, and compare policy coverage and prices to help narrow down your choice. Check out our review of Kanetix.ca.