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BCAA Insurance Wordings

Home Insurance

The policy wording outlines your insurance coverage. It provides important contact information in the event of a claim. It also contains clauses that may exclude or limit your coverage. If you have any questions or concerns regarding your coverage, please contact your BCAA Insurance Agent.

If you have any questions or concerns regarding your coverage, please contact your BCAA Insurance Agent.

Home, Condo and Renters Policies

Home, Condo and Renters Coverage Summaries

Home, condo and renters coverage summaries provide a quick overview of your coverage, whether you own or rent a home, condo or townhouse. (click the name of the product type to access the coverage summary for that product)

Residential Strata Policies

Travel Insurance

The policy wording outlines your travel insurance coverage. It provides important contact information should you need to contact us during regular business hours to extend your policy while you are travelling, or 24 hours a day, 7 days a week in the event of a claim. It also contains clauses that may exclude or limit your coverage. If you have any questions or concerns regarding your coverage, please contact your BCAA Insurance Agent.

COVID-19 and BCAA Travel Insurance Coverage

With global travel restrictions in place, we understand you may have questions related to BCAA Travel Insurance and COVID-19. You can find helpful information, including answers to frequently asked questions, at bcaa.com/coronavirus.

Policy Wordings

Policy wordings are specific to when you purchased or renewed your policy. Please choose your wording from below.

  • Policy Wording - Policies purchased or renewed May 26, 2021 or later - PDF file.
    • Coverage includes up to $1M in COVID-19 emergency medical coverage for eligible customers. Review your policy wording to learn more.
  • Policy Wording - Policies purchased or renewed between August 13, 2020 and May 25, 2021 - PDF File.
    • Coverage now includes up to $1M in COVID-19 emergency medical coverage for eligible customers (for trips that departed May 26, 2021 or later). Learn more at bcaa.com/COVID-19.
    • Trip Cancellation & Interruption and Visitors to Canada Travel Emergency Medical Insurance coverage continues to be impacted by COVID-19. Learn more at bcaa.com/COVID-19.
  • Policy Wording - Policies purchased or renewed between November 6, 2019 and August 12, 2020 - PDF File.
    • There is no coverage for COVID-19 related illness under the base Travel Emergency Medical plan during a Level 3 (avoid non-essential travel) and Level 4 (avoid all travel) government travel advisory . If you have plans to travel before the end of your policy term and want coverage for emergency medical expenses related to COVID-19, please call us at 1.888.268.2222 to learn more.
    • Trip Cancellation & Interruption and Visitors to Canada Travel Emergency Medical Insurance coverage also continue to be impacted by COVID-19. Learn more about these changes and if your policy is impacted at bcaa.com/COVID-19.

RV Insurance

BCAA Optional Car Insurance

  • Policy Wording - Policies purchased or renewed with effective dates up to April 30, 2021 - PDF file
  • Policy Wording - Policies purchased or renewed with effective dates after May 1, 2021 - PDF file
     

Travel Accident Insurance