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Emergency Medical Travel Insurance

Get covered for the unexpected whether it’s one trip or multiple trips a year.

As you get back to the people and places you’ve missed, we’ve got your back. BCAA is with you every step of the way, from providing coverage for COVID-19 emergency medical and optional coverage for travel delay and quarantine expenses, to 24/7 Virtual Care in the event of a claim. Plus, whenever possible we will pay your medical provider directly so you aren’t out of pocket. We also offer valuable ways to save from FREE coverage for your kids** and BCAA Members save 10%.

Single Trip

Staying close to home this year? This is the most economical way to protect yourself from costly medical bills, if you only plan to travel once or twice a year. 

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Annual Multi-trip Plan

Set it and forget it. This plan covers you all year long. Just tell us the amount of days you’ll be away on your longest trip and you’ll be covered for all the other ones in between. Recommend if you take 2 or more trips within a year.

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Key Features

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Travel Emergency Medical Insurance

Get comprehensive coverage of $10,000,000 CAD per person, per trip, including up to $10,000,000 in coverage for COVID-19 related emergency medical expenses, depending on your vaccine status*.

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COVID-19 Travel Coverage

Get up to $10,000,000 in FREE coverage for emergency medical expenses related to COVID-19*, plus optional Travel Delay & COVID-19 Quarantine coverage while travelling outside of BC.

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Kids Go Free
Kids Go Free

When you and your partner buy travel insurance, your kids are automatically covered for FREE**.

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24h Emergency Assistance 

Our advisors are available anytime, anywhere. Call toll-free from anywhere in the world, 24 hours a day, 7 days a week.

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24/7 Worldwide Virtual Care

Get the medical help you need wherever you are in the world, with 24/7 virtual care*.

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Worldwide Medical Assistance

Have the freedom to choose your preferred medical provider. Plus, whenever possible we will pay your medical provider directly, so you aren’t out of pocket.

Additional Features

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Pre-existing Condition Coverage

Get up to $300,000 CDN in optional coverage for unstable pre-existing conditions

Trip Cancellation
Trip Protection Package

Coverage for trip cancellation, interruption, COVID-19 quarantine expenses, airline delays, baggage loss or delay and more.

Baggage Insurance
Baggage Coverage

Protect your bags from walking away. This plan covers loss, damage or theft of your baggage, personal effects and currency.

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Travel Delay & COVID-19 Quarantine Coverage

Get coverage for COVID-19 quarantine expenses and expenses resulting from a delayed flight of more than 4 hours and/or when your baggage is lost or delayed more than 6 hours.


How Can You Save with BCAA?

Membership savings

BCAA Members save 10% on any new policy.

Kids Go FREE

Children are automatically covered for FREE on family plans.**

Loyalty Discount

Save an additional 10% on any Annual Multi-trip policy you've held for 3 years or more.

Deductible Options

A deductible is the amount you need to pay in the event of a claim. Increase the deductible and you'll save even more on your policy.

Bundle Coverage

The Trip Protection Package bundles several optional coverages for a reduced cost.

Why Choose BCAA Travel Insurance?

BC Based
BC Based

We understand the unique needs of BC travellers heading out of province on short vacations, multiple trips throughout the year or those visiting Canada.

Ways To Save
Valuable Ways to Save

Get FREE coverage for your Kids**, plus BCAA Members save 10%. You'll also save up to an additional 10% with our loyalty discount.

Award Winning
BC’s Most Trusted Insurance Brand

British Columbians consistently rank BCAA as BC’s Most Trusted Insurance brand as ranked by the Gustavson Brand Trust Index.

Saving the Day
Saving the Day

Our emergency claims team is always ready to help 24 hours a day, 365 days a year anywhere in the world.

Trusted Experts
Trusted Experts

Our expert advisors will help you choose the right coverage for you. With options for pre-existing conditions, travel cancellation, lost baggage and more.

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Planning a Trip? We’ve Got Your Back.

Helpful info on BCAA Travel Insurance and COVID-19

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*$10,000,000 CAD COVID-19 medical coverage limit applies if you have been fully vaccinated (administered with at least two doses of a Health Canada-approved COVID-19 vaccine) and up to $1,000,000 CAD if you have been administered one dose. Dose(s) must be administered 14-days or more 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 The availability of virtual care depends on your geographic location, medical emergency and remains subject to the discretion of BCAA Claims Assistance.
** Dependent children are free on a family policy with two paying adults. Adults must be aged 59 or younger.