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We’re here to help you Mon – Fri 8 am – 6 pm, Sat 9 am – 5 pm. Service Locations are open, with pre-booked appointments recommended, masks required, and COVID-19 safety measures in place.  

At BCAA, we want to help British Columbians stay safe at home and on the move. That includes adjustments to BCAA Travel Insurance and keeping you informed on COVID-19 and the implications for out-of-province travel. Please note the information on this page is subject to change and updates regularly.

BCAA Travel Insurance & COVID-19 Coverage

BCAA Travel Insurance offers both Travel Emergency Medical Insurance and Non-medical Trip Protection Coverage (i.e. Trip Cancellation & Trip Interruption Insurance, and more) and COVID-19 impacts each coverage differently.

BCAA Travel Emergency Medical Insurance: If you purchased your policy on August 13, 2020 or later, your policy includes up to $1,000,000 or $10,000,000 in coverage for COVID-19 related medical expenses outside of Canada depending on your vaccine status and your eligibility*. Your coverage wording is available at bcaa.com/wordings.

If you purchased your policy prior to August 13, 2020, please call us at 1.888.268.2222 to discuss your coverage options.

All policies, other than Visitors to Canada plans, include up to $10,000,000 in coverage for COVID-19 related medical expenses within Canada.

BCAA Visitors to Canada Travel Emergency Medical Insurance. If you purchased your policy on August 13 or later, your policy includes coverage for COVID-19 related medical expenses, up to the coverage limit you selected at the time of purchase**. Your coverage wording is available at bcaa.com/wordings.

BCAA Trip Cancellation or Trip Interruption (Trip Protection/Non-medical Coverage): As of March 5, 2020, COVID-19 is considered a known event worldwide, and no coverage is available for COVID-19 even with the official global advisory in place for policies purchased on or after this date.

More information is available in the below Frequently Asked Questions.

COVID-19 and Travelling

Before you go

The Government of Canada has issued an official global advisory to avoid all non-essential travel outside of Canada in order to limit the spread of COVID-19. Your travel plans may be severely disrupted, and you may need to meet pre-travel requirements or be forced to remain outside of Canada longer than expected. It’s recommended you fully understand the implications to your travel plans, as well as your health, safety.

Be sure to familiarize yourself with travel rules and requirements for your departure from, and return to, Canada. Helpful checklists can be found at travel.gc.ca. It’s also a good idea to closely review your insurance coverage so you’re familiar with the terms and conditions before you leave.

While you’re away

If you get sick while you’re away, with BCAA Travel Insurance you have access to personalized care, with safe and convenient virtual and in-person visit options, as well as the flexibility to choose your medical provider and obtain treatment in any hospital anywhere in the world. If you are not familiar with the medical providers at your location, we can help you find appropriate medical attention.

When you return

Anyone travelling to Canada will need to follow testing and quarantine requirements. Visit the Canadian Government website, travel.gc.ca, for the latest detailed information, including helpful pretravel checklists. If you develop symptoms of COVID-19 once you return home, call 8-1-1 for more information and advice.


Helpful resources

  • Current Canadian travel advisories: The Government of Canada has issued an official global advisory to avoid all non-essential travel outside of Canada (Level 3) and to avoid all cruise travel (Level 4). Learn more about this and other current travel advisories from the Government of Canada at travel.gc.ca.
  • Travel rules and requirements: Travel rules and requirements can change quickly and without notice, so we strongly advise that you check the Canadian government travel website for rules and requirements for leaving Canada, as well as for those of your destination.
  • News on disease outbreaks and ways to protect yourself: The Public Health Agency of Canada and the BC Centre for Disease Control provide the latest news on disease outbreaks, including Coronavirus (COVID-19) and ways to protect yourself, while you’re home and away. You may also want to check the number of COVID-19 cases and vaccination levels for your destination through the World Health Organization.

FAQs


BCAA Travel Insurance Coverage

All Travel Emergency Medical Insurance policies for Canadian residents provide up to $10,000,000 in coverage for COVID-19 related emergency medical expenses, including when travel is within Canada. For details on Visitors to Canada Travel Emergency Medical Insurance COVID-19 medical coverage, see the BCAA Visitors to Canada Travel Emergency Medical Coverage FAQ section below.

If you purchased or renewed your Non-medical Travel Package or Trip Protection Package on or after March 5, 2020 you will not have coverage for Trip Cancellation & Trip Interruption for COVID-19, as it is now considered a worldwide “known circumstance”. Trip Cancellation & Interruption Insurance policies are designed to cover unexpected issues. Because COVID-19 is now so widely known, it’s no longer considered unexpected. You can learn more at bcaa.com/wordings.

If you develop symptoms associated with COVID-19 (or any illness) before your vacation, it would be wise to avoid travelling. If you are sick before your departure, that illness may not be covered by your insurance policy. If you have more questions, please contact us to discuss pre-existing conditions and their impact on available coverage. More information can also be found at bcaa.com/wordings.

If you have purchased the Non-medical Travel or Trip Protection Package and would like to cancel your trip due to illness, coverage may be available provided you purchased the insurance before contracting the illness and your physician advised you in writing against travelling. If your policy was purchased on or after March 5, 2020, you would not have coverage if you got sick with COVID-19.

If you get sick while you’re away, with BCAA Travel Insurance you have access to personalized care, with safe and convenient virtual and in-person visit options, as well as the flexibility to choose your medical provider and obtain treatment in any hospital anywhere in the world. If you are not familiar with the medical providers at your location, we can help you find appropriate medical attention. You can learn more and find contact information at bcaa.com/travelclaims.

COVID-19 Emergency Medical Coverage

BCAA Travel Emergency Medical Insurance policies purchased or renewed on August 13, 2020 or later now include up to $1,000,000 or $10,000,000 CAD in coverage for emergency medical travel expenses related to COVID-19 outside of Canada based on your vaccine status and eligibility. $10,000,000 limit applies if you are fully vaccinated and $1,000,000 limit applies if you are partially vaccinated. Children are covered regardless of their vaccine status. All other policy terms and eligibility criteria are available at bcaa.com/wordings.

For details on Visitors to Canada Travel Emergency Medical Insurance COVID-19 medical coverage, see the BCAA Visitors to Canada Travel Emergency Medical Coverage FAQ section below.

Proof that you’ve been vaccinated is not required at the time of purchase, however, in the unfortunate event of a COVID-19 emergency medical claim, you will need to provide evidence that you received a Health Canada-approved COVID-19 vaccine at least 14 days prior to leaving on your trip. For coverage to apply, travellers also must have not had any COVID-19 symptoms within 14-days of departure and must not have been diagnosed with COVID-19 within 30-days of departure.

If you purchased or renewed your policy on August 13, 2020 or later and you are eligible*, your policy includes up to $1,000,000 or $10,000,000 CAD in coverage for emergency medical travel expenses related to COVID-19, depending on your vaccine status, at no additional cost.

If you purchased or renewed your policy prior to August 13, 2020, please contact us to discuss your coverage options.

No, COVID-19 travel emergency medical insurance coverage is not available during a Level 4 (avoid all travel) advisory. Please check the Government of Canada website for the latest travel advisories for your destination.

COVID-19 Vaccinations

Coverage for adverse reactions to the COVID-19 vaccine is the same as coverage for adverse reactions to all other vaccines and depends on a few factors, including when symptoms started. You can learn more at bcaa.com/wordings.

Yes, coverage would be available as this would be considered an emergency.

Quarantine Coverage

If you’re quarantined, your coverage depends on a few factors, including the type of coverage you have, when you purchased your policy and the level of travel advisory that was in effect for your destination when you left.

  • Travel Emergency Medical Insurance policies purchased or renewed on August 13, 2020 or later: You may have coverage for COVID-19 related emergency medical expenses. Your policy may also extend automatically for up to 14 days if you need to quarantine or self-isolate while you’re away. Visit bcaa.com/wordings to learn more.
  • Travel Emergency Medical Insurance policies purchased or renewed prior to August 13, 2020: Your coverage depends on the reason for being quarantined (i.e. if you’ve been diagnosed with COVID-19, or because you’ve simply been potentially exposed not diagnosed). It’s best to contact us to discuss your specific circumstances. You can also learn more at bcaa.com/wordings.
  • Trip Protection or Non-medical Travel Package Policy (including Trip Cancellation & Interruption coverage): Coverage for COVID-19 related claims, including quarantine, is not available, as COVID-19 is considered a global “known circumstance”.

COVID-19 Tests

All passengers five years of age or older are required to test negative for COVID-19 before travelling by air from another country to Canada. This test result must be presented to the airline prior to boarding a flight to Canada. As requirements change quickly please visit travel.gc.ca for the latest information and requirements. There you will also find a list of locations abroad where you can get the required test.

This pre-travel expense is not covered by BCAA Travel Emergency Medical Insurance, as the policy provides coverage for expenses related to medical emergencies. The cost of a vaccine or screening test is not considered a medical emergency and would not be covered. BCAA Travel Insurance policy details are available at bcaa.com/wordings.

The Trip Cancellation and Trip Interruption coverage within the BCAA Trip Protection Package does not provide coverage for expenses related to COVID-19, including not meeting pre-boarding or pre-travel screening requirements.

Purchasing, Renewing, Extending or Cancelling Your Policy

No, due to the COVID-19 pandemic, BCAA is not currently able to provide coverage for travelers who have already left the country.

Yes, you can renew your policy mid-trip.

Yes, you can extend your policy. Depending on when you departed and purchased your policy, there may be certain limitations on how long you can extend your policy for, so please give us a call to discuss your particular circumstances.

Your eligibility for a refund depends on the type of policy you purchased, how long it’s been in effect and whether you’ve travelled on the policy. Please refer to the following table for more information. Refund rules are also available in your policy wording at bcaa.com/wordings.

Policy Type Policy hasn’t taken effect yet Policy has been in effect for less than 90 days Policy has been in effect for 90 days or more
Single Trip Policy Eligible for a full refund. Eligible for a partial refund, even if you’ve travelled on the policy. Eligible for a partial refund, even if you’ve travelled on the policy.
Annual Policy Eligible for a partial refund, as long as you haven’t travelled on the policy. Not eligible for a refund.

With the global travel restrictions in place, we know that your travels may be taking you within Canada instead. Your BCAA Annual Multi-trip policy provides tremendous value for travel within Canada. For example, your maximum trip length limitation does not apply to travel within Canada, so if you selected a maximum trip duration of 8 days, you can exceed that and travel longer within Canada. Also, your policy covers COVID-19 related emergency medical expenses within Canada up to $10,000,000.

Your eligibility for a refund depends on the type of policy you purchased. Please refer to the following table for more information. Refund rules are also available in your policy wording at bcaa.com/wordings.

Policy Type Policy hasn’t taken effect yet Policy has been in effect for less than 90 days Policy has been in effect for 90 days or more
Single Trip Policy Eligible for a refund (less a cancellation fee) if:

•  you cancel your trip and no cancellation penalties are applied.
•  the tour operator cancels the trip or changes the date (and you aren’t able to travel on the new dates) and no cancellation penalties are applied.
Annual Policy Eligible for full refund as long as you haven’t travelled on the policy and no cancellation penalties are applied. Eligible for a partial refund, as long as you haven’t travelled on the policy and no cancellation penalties are applied. Not eligible for a refund.

Refunds are not available if you intend on making a claim on your Trip Cancellation & Trip Interruption Insurance Coverage.

BCAA Visitors to Canada Travel Emergency Medical Coverage

BCAA Visitors to Canada Travel Emergency Medical Insurance policies purchased August 13, 2021 or later include coverage for COVID-19 related medical expenses, up to the coverage limit you selected at the time of purchase.

For coverage to apply, all vaccine dose(s) must have been administered at least 14 days prior to the effective date, arrival date or COVID-19 diagnosis date, whichever occurs later. Children under the age of 18 are covered regardless of their vaccine status. Vaccines approved by the health authority in your home country will be accepted, even if they are not approved by Health Canada for use within Canada. Coverage also does not apply if you have COVID-19 symptoms within 14-days of arrival date or, effective date or, the date of the COVID-19 diagnosis, whichever occurs earlier or a positive test within 30-days of arrival date or, effective date or, the date of the COVID-19 diagnosis, whichever occurs earlier. Coverage for COVID-19 related medical expenses does not apply if you are unvaccinated or partially vaccinated.

Full eligibility criteria for COVID-19 coverage and all policy terms, conditions, exclusions and limitations can be found in the policy wording at bcaa.com/wordings.

*$10,000,000 CAD limit applies if you are fully vaccinated for COVID-19 and up to $1,000,000 CAD if you have been administered one dose. Vaccine dose(s) must have been administered at least 14 days prior to departure. Coverage provided at no additional cost with the purchase of a BCAA Travel Emergency Medical Insurance policy. Children under the age of 18 are covered regardless of their vaccine status. Full eligibility criteria for COVID-19 coverage and all policy terms, conditions, exclusions and limitations can be found in the policy wording at bcaa.com/wordings.
**Coverage limit for COVID-19 related emergency medical expenses applies and is based on the coverage amount selected at time of purchase. You must be fully vaccinated for COVID-19 and vaccine dose(s) must have been administered at least two weeks prior to the effective date, arrival date or COVID-19 diagnosis date, whichever occurs later. Children under the age of 18 are covered regardless of their vaccine status. Full eligibility criteria for COVID-19 coverage and all policy terms, conditions, exclusions and limitations can be found in the policy wording at bcaa.com/wordings.