Skip to content

The Canadian Association of Retired Persons (CARP) is a national, non-profit organization that advocates for a better quality of life for Canadians as they age. You do not need to be a CARP member to get travel insurance through CARP. 

CARP previously provided travel insurance through The McLennan Group Insurance, but now CARP’s travel insurance products are provided by CAA Travel Insurance, a nationally licensed insurance agency. 

CAA operates across Canada, but each province has a separate subsection of CAA. In BC, the subsection is BCAA. In Alberta, it is AMA.  

You can compare your CARP insurance quote with many similar policies by using Best Quote Travel Insurance. BestQuote lets you compare travel insurance quotes for several different companies at once! 


  • It is easy to complete the online quote form, and you can retrieve a stored quote via email
  • No upper age limit on plans
  • You can save money by choosing a higher deductible
  • Up to $5 million for a medical emergency
  • In most cases, bills are directly paid 


  • Not all products are available in all provinces 
  • Discounts vary depending on your province
  • You need to be a CAA member to access a CAA discount 
  • The CARP x CAA option is not available in Quebec

CARP Emergency Medical Insurance Plans

You can initially choose from four types of insurance before being directed to the CAA club in your province. You can change the plan you want to go for after this stage. The four types of insurance are: 

  • Emergency Medical Insurance 
  • Trip Cancellation & Interruption Insurance
  • Emergency Medical and Trip Cancellation & Interruption Insurance
  • Visitors to Canada Insurance 

Saving Money

  • You can choose a higher deductible to save on your premium. The deductible options available to you are dependent on your province.
  • For a limited time, if you call CAA for a travel insurance quote, you can get a FREE 1-year CARP membership or renewal, plus a 1-year Zoomer Magazine subscription or renewal.
  • If you are a CAA (or AMA or BCAA) member, you get a discount on your policy (up to 11% off)


Full refunds are available before the start of the trip. For a full refund, they must be requested and approved prior to the original departure date or effective date of the trip. Past the effective date of policy coverage, a partial premium refund may be available, provided no claim has been paid, incurred, or reported on the policy. 

You Need to Know

  • You need a Canadian government health insurance plan (GHIP) to be eligible for a CARP insurance policy. Your GHIP must also be in place for the duration of coverage.
  • Policies and coverage can change at any time without warning. Please check your policy carefully.

How to Learn More

You can learn more about CARP Travel Insurance products online or by calling 1-833-673-3030.

Want to Compare Travel Insurance Policies and Rates?

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

Comparison websites, like BestQuote Travel Insurance, let you compare travel insurance options from several companies at once. Type in a few details about your trip, and compare policy coverage and prices to help narrow down your choice. 

Still looking? Check out our reviews of Tugo travel insurance, BMO travel insurance, and Blue Cross travel insurance, and our helpful post that answers the question: what type of travel insurance do I need?

Click here to see a list of all of our Canadian travel insurance reviews.

Back To Top