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BCAA Travel Insurance Review 2024

Updated: Feb 28, 2024, 3:40am

Touted as B.C.’s top choice for travel insurance, BCAA offers an impressive selection of medical and trip protection coverage that is both flexible and affordable. The $10 million in emergency coverage includes a comprehensive list of benefits, and the pre-existing benefit add-on gives peace of mind to travellers with health concerns. While not the cheapest plan, you definitely get your money’s worth, though you need to be a resident of B.C or the Yukon to qualify.

• Customizable coverage
• $10 million emergency medical
• Generous benefit limits
• Pre-existing condition add-on
• No family coverage for travellers 60 and above
• Only available to residents of B.C. and the Yukon

Table of Contents

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The British Columbia Automobile Association (BCAA) was founded in 1906 (then known as the Victoria Automobile Club) when a group of motoring enthusiasts came together to enjoy their hobby and help each other when their vehicles broke down. By 1940, an affiliation of 31 clubs across B.C. officially amalgamated under the name BCAA and opened a head office in Vancouver.

Today, the BCAA is a member of the Canadian Automobile Association (CAA) and the American Automobile Association (AAA), serving members in British Columbia and the Yukon.

The CAA is made up of nine regional clubs across Canada, including CAA South Central Ontario (that includes Manitoba), North East Ontario, Niagara, Alberta, British Columbia, Manitoba, the Maritimes, Quebec and Saskatchewan.

BCAA insurance offers home, car, travel, small business and life insurance, as well as health and dental insurance.

BCAA travel insurance is underwritten by BCAA Insurance Corporation. Claims are administered by Orion Travel Insurance Company and its subcontractors.

Here are the key types of travel insurance coverage offered in BCAA travel insurance plans:

• Emergency medical insurance: If you get ill or are injured on your trip, travel medical insurance can pay for emergency medical expenses, up to the coverage limits in your plan. These expenses can include doctor and hospital bills, medication and lab work.
• Trip cancellation insurance: If you cancel a trip for a reason listed in your travel policy, such as you or your travelling companion becoming ill, weather conditions causing a massive delay or you end up losing your job, trip cancellation insurance can reimburse you for prepaid, non-refundable costs.
• Travel interruption or delay insurance: Trip interruption insurance can pay for a last-minute flight home in an emergency and money that you lose if you have to return home earlier than expected, such as non-refundable activities and hotel stays. If your flight is delayed , your insurance can cover the cost of incidentals, such as meals or accommodations, after a specified period of time, usually six, 10 or 12 hours.
• Baggage insurance: Baggage travel insuranc e can compensate you up to your policy limits if your luggage is lost or stolen. It will reimburse the depreciated value of your suitcases and what you packed. If your checked bags are delayed, it can reimburse you for the cost of the necessities you’ll have to buy to tide you over.
• Travel accident insurance. This coverage offers compensation in the event of accidental death or catastrophic injury from an accident during your trip. Flight Accident Insurance covers injury while you’re on a commercial plane, during a connection or in an airport. Travel Accident Insurance covers death or dismemberment, including the loss of limbs or eyesight, while on your trip. This is also called Accidental Death and Dismemberment benefit.

BCAA allows you to customize the amount of travel insurance coverage you need. For example, you could opt for the most comprehensive travel insurance protection by selecting the Travel Emergency Medical Insurance and the Trip Protection Package (that bundles four coverages) or if you’re mostly concerned about lost, damaged or stolen personal items during your travels, you could just select the Baggage coverage option as an add-on to your emergency medical coverage. Alternatively, if you have medical coverage elsewhere (such as a travel credit card ) you could select the Trip Protection Package coverage.

The individual benefits are as follows:

Travel Emergency Medical Insurance: If you’re worried about medical emergencies while travelling, this benefit includes the following coverage:

• Hospital accommodation up to a semi-private room
• Out-patient services provided by a hospital
• One follow-up visit within 14 days of initial treatment
• Physician’s services
• Ambulance services (ground, air or sea)
• Emergency air transportation
• Remote evacuation
• Laboratory diagnostics and X-rays
• Prescription medication, up to 30-day supply
• Replacement of lost or stolen prescription drugs
• Cost to rent or purchase essential medical appliances, including a wheelchair, crutches and canes
• Private duty nursing
• Fracture treatment, including X-rays, exams, casting and re-casting, and cast removal
• Hospital allowance for incidental expenses, such as TV rental and telephone
• Paramedical services, such as emergency treatment by a physiotherapist, chiropractor, chiropodist, osteopath, podiatrist, optometrist, naturopath, holistic doctor or acupuncturist
• Emergency dental due to a blow to the face, plus continuing treatment once you return home
• Emergency dental due to pain or illness
• Unexpected birth of a child during the first 31 weeks of pregnancy
• Repatriation to your home province or territory
• Out-of-pocket expenses for meals, accommodation, etc., due to transfer to another medical facility or delayed return home
• Child care during parent/guardian’s hospitalization
• Replacement of prescription glasses, contact lenses or a hearing aid due to theft, loss or breakage

This coverage also includes a medical follow-up in Canada benefit that provides the following reimbursement for costs incurred within 15 days after you have been returned home for medical reasons:

• Up to $1,000 for a semi-private room in a hospital, rehabilitation centre or convalescent home
• Up to $100 per day for home care nursing
• Up to $300 for ambulance or taxi services to receive medical care
• Up to to $200 to rent or purchase essential medical appliances, such as a walker, canes, trusses, orthopedic corset and/or oxygen

Trip Protection Package: This package bundles four coverage options, including trip cancellation and interruption, baggage, travel delay and COVID-19 quarantine, and travel accident coverage.

• Trip Cancellation and Interruption coverage: This reimburses you for insured travel expenses (such as hotels or prepaid excursions) if you have to cancel, interrupt, extend or modify your trip due to a covered reason either before your trip or after you have left home. This includes transportation expenses if you have to interrupt, modify or extend your trip, as well as a subsistence allowance for hotels and meals if your return home is delayed. You can select the amount of trip cancellation coverage before departure, between $250 and $100,000.
• Baggage: This provides compensation if your baggage is delayed, lost, stolen or damaged during your trip.
• Travel Delay & COVID-19 Quarantine: This provides reimbursement for COVID-19 quarantine expenses, such as unplanned accommodations, as well as expenses incurred due to a flight delay.
• Travel Accident: This offers coverage for the accidental loss of life or limb while travelling.

Rather than purchase the package, you can buy the following benefits individually:

• Baggage: As above.
• Travel Delay & COVID-19 Quarantine: As above.
• Travel Accident: As above.
• Pet Coverage: This covers pet-related costs for boarding and/or transportation if you are hospitalized, repatriated or if you die while on your trip. It also covers veterinary fees if your pet is injured during the trip. Maximum coverage is $600.

With a BCAA Travel Insurance plan you can purchase family coverage for two or more people, 59 years old and under, and any dependent children or grandchildren.

In addition, when purchasing your coverage you will be asked, “Where are you travelling?” The options are:

• Worldwide (including USA): Covers you anywhere in the world, including the United States. This includes short stopovers, layovers and cross-border shopping trips to the U.S.
• Worldwide (not including USA): Covers international travel to non-U.S. destinations. This also allows you to travel via the U.S. for up to five days, such as if you travel through the U.S. to reach your destination.
• Within Canada: This provides travel insurance for trips within Canada .

We highlighted key benefits of BCAA Travel Insurance to help you identify which plan is the best fit for your travel needs.

Travel Emergency Medical:

Trip Cancellation and Interruption:

Travel Delay and COVID-19 Quarantine:

Travel Accident:

The price of a BCAA Travel Insurance plan depends on factors such as the cost of your trip (for trip cancellation and interruption coverage), your age, your health and the amount of coverage you choose.

Here are some price examples of BCAA Travel Insurance plans for healthy travellers based in B.C. assuming a $0 deductible.

You can also add an optional deductible, or the amount you will pay out of pocket before your coverage kicks in, to your travel medical insurance to lower the cost of your premium. Deductible options include: $500, $750, $1,000 and $2,500.

Here’s a comparison of the emergency medical insurance premium with and without a $500 deductible.

CUMIS Travel Insurance

Emergency medical: $10 million Cancel For Any Reason: No Baggage insurance (maximum): $500

Related: CUMIS Travel Insurance Review

TuGo Travel Insurance

Emergency medical: $10 million Cancel For Any Reason: Yes, 50% Baggage insurance (maximum): $1,500

Related: TuGo Travel Insurance Review

Pacific Blue Cross

Emergency medical: $10 million Cancel For Any Reason: No Baggage insurance (maximum): $1,500

Related: Pacific Blue Cross Travel Insurance Review

BCAA Travel Insurance offers a pre-existing coverage add-on that provides $300,000 in additional medical coverage for an unstable pre-existing medical condition. To be eligible for this coverage, you must not have had any symptoms or received medical consultation in the seven days before your departure.

Here’s how this add-on could affect your emergency medical premium cost:

BCAA members earn 10% off their premium for any travel insurance plan. Travellers who have held an annual multi-trip plan for three years or more earn an additional 10% off.

Yes. You can buy multi-trip insurance if you travel more than once a year for several individual trips. BCAA Travel Insurance offers annual multi-trip insurance for worldwide (including USA) plans for both emergency medical and trip protection coverage for separate trips of three, eight, 15, 30, 60, 90, 120, 150, 183 and 365 days.

Here’s how the cost compares between single-trip and multi-trip insurance:

If you stay longer than the number of days on your plan, you can purchase a top-up.

BCAA Claims Assistance is available 24/7 (for medical emergencies), 365 days of the year and can help you when you’re faced with a travel emergency. Support while you’re travelling includes:

• Assistance finding the nearest medical facility
• Payment to hospitals and other medical providers for travel emergency medical expenses, guaranteed where possible
• Medical consultative and advisory services, including review of appropriateness and analysis of your medical care
• Monitoring of progress during your treatment and recovery
• Management, arrangement and authorization of emergency medical evacuation
• Multilingual assistance
• Travel assistance for your family
• Family/employer communications and message centre
• Arranging for a medical assistant to travel with you
• Submitting paperwork to your government health care plan and extended care benefits plan
• Referral to legal assistance
• Travel assistance for lost documents, lost luggage, etc.
• Referral to Canadian consular services worldwide

Support before you leave on your trip includes:

• Tourist visa and/or passport information
• Information regarding inoculation and vaccination requirements
• Weather information
• Currency exchange information

BCAA will not pay any medical expenses related to any medical condition that is not stable for a set period of time, before your coverage takes effect.

A medical condition is considered stable when all of the following are true:

• There has been no deterioration of your condition as determined by your physician.
• There have been no new symptoms or findings or more frequent or severe symptoms or findings.
• There has been no change in medical treatment or no alteration in any medication for the condition.
• There has been no new medical treatment prescribed or recommended by a physician or received.

Specifically, BCAA has the following age-specific exclusions:

For travellers 59 years of age or under (on your policy’s effective date): Benefits are not payable for costs related to any medical condition that was not stable in the 90 days before your departure.

For travellers 60 years of age or over (on your policy’s effective date): Benefits are not payable for costs related to any medical condition that was not stable in the 180 days before your departure.

There are a number of scenarios not covered by travel insurance and it’s critical to know what not to do before you make a claim. In addition to pre-existing condition exclusions, the following are some of the most common situations not covered by BCAA travel medical insurance:

• A trip taken against medical advice
• A trip taken after the diagnosis of a terminal condition
• A trip taken while you are receiving palliative care or palliative care has been recommended
• Any health condition for which diagnostic tests had been taken or scheduled before departure and for which results were not received (with exceptions)
• Any medical treatment due to complications or recurrence after the emergency ends
• Costs for emergency air transportation when the arrangements were not made by BCAA Claims Assistance
• Illness or injury incurred if you choose to travel to a destination with a level 3 (avoid unnecessary travel) or level 4 (avoid all travel) travel advisories were in effect before departure and the illness or injury is related to the reason for the travel advisory
• Expenses incurred when coverage is purchased after departure
• Any medical expenses in excess of $50,000 if you are not covered by government health insurance
• Loss, theft or breakage of prosthetic devices or dentures

Additional exclusions will apply for trip cancellation and interruption, baggage and travel delay coverage.

Also, there is currently no coverage for any trips taken to Russia, Ukraine, Belarus or any other country subject to a level 3 (avoid non-essential travel) and level 4 (avoid all travel) travel advisory issued by the Canadian government due to the armed conflict with Russia.

There is no coverage for any trip cancellation or trip interruption claims related to COVID-19. There is, however, coverage for travel medical emergencies for fully- and partially-vaccinated travellers.

To be eligible for medical travel insurance with BCAA, the following must apply:

• You are a Canadian resident.
• You have not been advised against travel by your physician.
• You have not been diagnosed with a terminal condition.
• You are not receiving palliative care or palliative care has not been recommended.

In addition, you must be a resident of B.C. or the Yukon to purchase travel insurance.

Due to high call volumes, BCAA recommends you file your claim online at BCAA.com/travelclaims or by email at [email protected]. You can file a medical, dental and trip cancellation/interruption claim online 24/7 by logging into your account via BCAA’s partner Global Excel Management.

Depending on the kind of claim, you will also need to provide supporting documentation within one year from the date of loss.

Depending on your claim, supporting documentation may include:

• Original itemized receipts of out-of-pocket expenses incurred
• Medical certificate(s) from attending physician(s) completed with diagnosis, dates of service and type of treatment
• Original pharmacy prescription receipts
• Completed government health insurance plan forms
• A copy of the death certificate, will or power of attorney and police report, if applicable
• Original unused airline tickets
• Itemized travel agency invoices showing full payment for your trip
• Statement from the travel agency, airline or tour operator documenting refunds provided
• Proof of loss for stolen property, such as a police report
• Written estimate to repair damaged baggage
• Proof of baggage delay and itemized recipes for personal necessities purchased

BCAA notes that the majority of claims are resolved within 30 business days.

BCAA Travel Insurance FAQs

Does bcaa pay for medical costs upfront.

According to the BCAA travel insurance policy, when you have selected travel emergency medical insurance, the following services are available to assist you in a medical emergency: “Payment to hospitals and other medical providers for emergency medical expenses will be guaranteed where possible relieving [the] claimant of credit responsibilities.”

Does BCAA offer coverage extensions?

Yes. Your coverage is automatically extended for up to seven days starting on the final day of your trip due to a transportation delay, such as a common carrier delay, vehicle accident or breakdown. If you are hospitalized, your coverage is extended for the period of hospitalization and up to seven days after discharge. If your return home is delayed due to a medical emergency that does not require hospitalization but makes you unfit to travel, your coverage is extended for up to seven days. If you are unable to travel home due to quarantine as a result of a positive COVID-19 test, your insurance will be extended for a maximum of 14 days.

You can also request an extension if you want to stay longer on your trip, as long as:

• You have not seen a physician or other registered medical professional since your departure date or effective date of the policy.
• You have not submitted a claim and have no intent to submit a claim.
• You are in good health and you do not know of any reason to seek medical attention.
• Your period of coverage has not already expired.

You will be charged a service fee, in addition to the new premium.

Does BCAA require a medical questionnaire?

Yes. Travellers age 60 and over are required to complete a health questionnaire.

Does BCAA have any age restrictions?

There are no noted age restrictions beyond the age-specific exclusions for pre-existing conditions, family coverage eligibility and requirement to complete a questionnaire.

Does BCAA provide coverage for COVID-19?

BCAA provides the coverage for COVID-19 if you purchase travel emergency medical insurance for annual multi-trip and single trip for worldwide travel, and single trip excluding USA travel.

If you test positive or are diagnosed with COVID-19 while on your trip, BCAA travel insurance provides up to $10 million in coverage if you have been fully vaccinated 14 days or more before your departure date or if you are under 18 whether or not you have received the vaccine. You are eligible for $1 million in coverage if you have received at least one dose of the vaccine.

There are exceptions to this coverage, including if you did not receive any Health Canada-approved vaccinations, if you tested positive or had symptoms in the 14 days before your trip or if you received a COVID-19 diagnosis and experienced complications in the 90 or 180 days before your trip, depending on your age.

When does my coverage with BCAA begin?

In general, if you purchase cancellation coverage, it begins the day you buy your policy and ends the day when you make a claim or leave on your trip. Your emergency medical coverage and interruption coverage, if purchased, begins when you leave home. Your delay coverage begins once an insured risk prevents you from returning home as scheduled.

Can I get a refund with BCAA?

You can request a cancellation and full refund of your contract before the effective date of the contract (the date the coverage begins) or during the 10 days following the date of purchase, unless:

• You have made or intend to make a claim.
• The contract is for a period of 10 days or less.
• The contract was purchased within 11 days before the trip and includes trip cancellation or interruption coverage.

If you purchase trip protection coverage, you can request a refund (less a cancellation fee) if:

• The tour operator cancels the trip and all penalties are waived.
• You cancel the trip prior to the effective date of any cancellation penalties.
• The tour operator changes the travel date and you are unable to travel and all cancellation fees are waived.

If you return early from your trip and have not submitted or intend to submit a claim, or if no Medi-Assist case has been opened, you can request a partial refund of your premium. However, a refund of premium does not apply if:

• You are covered for a trip cancellation benefit.
• You are covered for an emergency return benefit.
• You are covered under an annual insurance contract.
• You are repatriated at the insurer’s expense.
• Your refundable premium is less than $20 after application of the $25 administration fee.

Does BCAA offer a free look period?

BCAA travel insurance offers a 10-day full refund provision whereby you have 10 days starting from the application date to review your policy to ensure it meets your travel needs. You can request a full refund as long as no travel has taken place. This provision does not apply to the Trip Protection Package.

Fiona Campbell is a Staff Writer for Forbes Advisor Canada. She started her career on Bay Street, but followed her love for research, writing and a good story into journalism. She is the former editor of Bankrate Canada, and has over 20 years of experience writing for various publications, including the Globe and Mail, Financial Post Business, Advisor’s Edge, Mydoh.ca and more.

Courtney Reilly-Larke is the deputy editor of Forbes Advisor Canada. Previously, she was the associate editor of personal finance at MoneySense. She was also managing editor of Best Health Magazine and has contributed to publications such as Cottage Life and Blog TO. She currently lives in Toronto.

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Accidents or sudden illnesses can happen at anytime. One of the least convenient times are when you are travelling outside your home province. Make sure you are protected against monetary losses caused by medical emergencies, cancelled trips and lost luggage.

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Thanks again. You are a big reason for us to stay with Megson Fitzpatrick, not only for boats but other insurance needs.

Hank I. (2/2)

I wanted to send you a quick note that I was very impressed with the service Samantha [Slack] has provided me with my house insurance renewal.  Samantha was very responsive, made herself available for a meeting to answer my questions, and I felt she really went above and beyond with her service.  I would be happy to recommend Samantha to any of my friend, family, or business contacts.

Hi Samantha [Slack]

Thanks very much for the speedy service. I needed boat insurance quickly to complete my purchase of a vessel and you made it easy. It was good to have a couple of quotes to compare. I’ve been with Megson FitzPatrick for my current boat and that has worked well. Thanks again.

I would like to inform you of the exceptional customer service experience I received from your insurance broker Samantha Slack.  There is no question that she is far superior to the insurance brokers I have dealt with in the past from Harbord, Brown Brothers and other insurance agencies. For the most part people see insurance as a commodity and it does not really matter what you buy. But I can attest that the broker relationship is the key that sets you apart from others, and the insurance broker staff is the face of the organization,

Matt E. (1/3)

resulting in either a good or bad experience.

Samantha’s knowledge of the products is exceptional and her response time and follow up to e-mails and questions is unique in this era of poor / declining customer service. My introduction to Megson FitzPatrick has been a very positive experience due to Samantha’s assistance, resulting in my transfer of two residential policies and a commercial policy for my business.

Matt E. (2/3)

I will likely be moving my other policies over to Megson in the future when they come due.  I would like to thank the Management team at Megson for their recruitment and training of exceptional staff like Samantha. You are definitely a step above the other insurance options in Victoria.

Matt E. (3/3)

I send this expressly to commend the excellent, most professional service extended by two of your representatives :      Jessica Young      Keith Frey

I live in Vancouver and was considering purchasing a motorcycle located in Kamloops.  Now 74 years of age, I’ve owned many motorcycles since I was 15, so after many long and quite detailed phone conversations with the Seller, I came to the conclusion that the purchase would be sound and worthy of the 4 hour trip to Kamloops to close the sale upon first inspection.

Allen M. (1/3)

In order to simplify the insurance matter and upon the Seller’s specific recommendation, I chose Megson-Fitzpatrick, the current Insurer, even though you’re Office is in Victoria….thus the transaction was to be conducted through a triangulation of Vancouver, Kamloops and Victoria locations. 

Potentially disastrous ! I t wasn’t – Rather, Jessica and Keith worked jointly ( depending upon who was available to answer my phone calls ) to analyze my situation, provide advice as well as options, then prepare and establish the new Policy, so that I would be thoroughly protected on my way back home to

Allen M. (2/3)

Because the Sale and Transfer of Ownership would occur in Kamloops, both Jessica and Keith also provided guidance on how I would be dealing with an ICBC representative in that town.  

With that advice, the entire transaction occurred smoothly and successfully.

My Appreciation and Commendation again goes out to Jessica & Keith. My Congratulations conveys to you, Christopher, and to M-F for service and management well conducted.

Allen M. (3/3)

Megson FitzPatrick has been our Societies go to insurance agency. We have a fleet of antique military vehicles and your staff has always been helpful in suggesting ideas and cost savings. We do all of our personal vehicle insurance through Megson FitzPatrick, and will continue to do so.

Diane & Doug B.

I was referred to your insurance brokerage by a friend who spoke highly of your services after he suffered a serious issue with his boat. since I needed new insurance, I followed up and contacted Ms. Samantha Slack to see if she could help me with a marine insurance policy. Her responses from my initial email request forward were very prompt and focused. She provided me with two viable options in just a few days. This was a very positive experience which I rate as excellent

Happy new year! Thank you so much. I just paid it online, so we’re all set.

I really appreciate your help, and I just wanted to let you know, I tried dealing with my usual insurance company that we had our condo insurance with, and they were nowhere near as easy to work with as you. You were so much more helpful, and we very happily made the jump from their services to yours.

Thanks again,

We are often too quick to criticize when things go wrong and too slow to show appreciation when things go right. I have been insuring my (now five) motorcycles with your company for 10 years. Furthermore, I have been purchasing insurance for various machines, including commercial aircraft, for more than 50 years. I know insurance companies. Since my relationship with Megson FitzPatrick began my agent has been Chris Murphy. I cannot speak too highly of the friendly, competent, timely service Chris has given me over the years. While discounts are always appreciated, that is not why I moved from Beacon to your company. Christopher Murphy is the reason I am with your company.

Jerry O’Leary Cutler

I actually live on the mainland but often visit the island. Any time I can I try and insure my vehicle here instead of anywhere else. I have had great experiences with the employees here. Vicky Bui helped me this time when I went in. She was polite, knowledgeable, and answered all my questions. Helped me to insure my vehicle as fast and pain-free as possible. I highly recommend getting your insurance here.

I’ve had a couple bikes insured with Megson FitzPatrick and each time I’ve had to call their support centre; either for an insurance transfer, or simply to purchase or end insurance, they have been quick, simple and very friendly. Their staff know what they are talking about and they offer solid motorcycle insurance for the year at very good/competitive rates.

I came into the office on Shelbourne today and Shelly Parussini helped me get tenant insurance. I found her to be professional, efficient, warm and supportive. She went the extra mile and I so appreciate her kindness during this difficult time in my life.

Fast and efficient. Good service in the time of COVID.

Very quick an agent was able to answer all questions we had!

Awesome! I could renew my insurance over the phone. Mailed my tags within days. Very happy with the service.

I wanted to write in and say what a wonderful appointment I had today in your office. The staff were very helpful. I was one of those long and arduous “transfer from out of province “ appointments lol. My insurance person Michael? Was very kind and patient. I’m ever so glad I chose you as my insurance folks and will highly recommend you to everyone- I do a lot of talking! Thank- you for making what would normally be a chore into a very lovely experience!

Made an appointment for auto-renewal. Promptly at time of appointment, agent met me at front door and all covid-19 policies were in place. The service to renew this insurance was quick and professional. Always great service at this location.

I am writing to express my appreciation for the service that I received on July 14. My requirement was to change some details of the coverage on one of my vehicles. The first issue that I found which warrants a compliment was the efficiency of the process for making the change. It was extraordinarily fast and easy. The second issue was the service provided by Jackie Brown. She provided excellent help in a very cordial manner and this also merits recognition. So, thank you for the service.

Megson FitzPatrick at Shelbourne is the best Insurance agent around. Super friendly and helpful staff. The car ownership transfer is done in no time. I tried ICBC at Hillside the day before but they have too many reasons not to provide a service (like “appointment only” and they were very close to store closing so they said that “will not have enough time for that”.

I am writing to express my appreciation for the excellent customer service I received when renewing my auto insurance this past Monday evening from Katarina Reid. She was so very helpful and her calm, patient, professional manner was a great help to me when my frustration of dealing with another company had reached its limit. Katarina is a true asset to your firm, and I won’t hesitate in recommending Megson Fitzpatrick in future.

Very helpful through a challenging vehicle transfer.

My go-to office for all insurance needs. Courteous, helpful staff are always ready and have innovated a safe, practical approach for customer service during these pandemic times.

I had a really good experience. They were nice, clear, and fast.

Auto Insurance renewal. In and out in about 15 minutes.

Great staff, very fast and helpful.

Simple. Great price for motorcycle insurance, including multi-bike discount.

Excellent Service! No waiting! Strict COVID-19 protocol enforced, Great Walker/ Wheelchair access. Friendly super helpful and efficient Staff Members who really Smile! They are soo fast, and our Business only took 20 mins! The BEST Insurance service, compared to Coast capital, who always have lineups, eat at their desks, and seem miserable. We Love Megan Fitzpatrick!

Excellent service would recommend to anyone.

Dear sir/madam, I was recently at your office needing auto insurance updating and I had the pleasure of being served by Mr. Michael Chaves. Having recently lost my Spouse of several years to a traumatic massive stroke, I was needing name changes on our automobile ownership, a new policy solely under my name and new licence plates. As you may imagine, this was a very difficult appointment for me. Unfortunately, I brought some of the wrong papers for the work to be done. Mr. Chaves didn’t give up on me, and found the papers I needed in my file, processed them and made everything right for me. I am also very hard of hearing and again Mr. Chaves was patient even to the point of writing the needed requests for me to understand the process if necessary. He also offered to help me change my licence plates. With such superlative service, I wanted to give Mr Chaves a cash token of my appreciation. He graciously declined and kindly told me he felt honoured to have helped me and expressed sorrow for my loss. Mr. Chaves is a wonderful credit to your company. Having our house insurance with your company as well, there has only been the best service I can imagine from your employees over the years. But this was a huge leap and I cannot express enough how Mr. Chaves’ kindness, thoroughness and patience saved me the grief of having to search for, and revisit this painful appointment. I want you to know what an exemplary employee you are so fortunate to have. Mr. Chaves is a wonderful addition to the Megson FitzPatrick family. Thank you for your time.

Jackie Brown went above and beyond with my recent provincial import of a 1981 Toyota Land Cruiser. She was friendly, personable, and professional. Jackie explained the process very well and was patient and helpful with me through the course of my 4 phone calls regarding the transaction. My visit to your uptown location was great Jackie and staff were very friendly, prompt and attentive.

I wanted to take the time (which is precious as I am extremely busy) to say I was so impressed by the service I received from my new account manager Martha Mena in your Victoria Branch – for our home insurance renewal. While I have been with MF for some time and receive decent service in the past, Martha was exceptional. As someone who manages staff, I found she has that customer service quality that is hard to find today. Martha is engaged, informative, professional and very personable. I am writing this as I hope this would go into her HR file and be part of any future performance review or performance feedback as this type of service needs to be recognized. I also compliment anyone who is managing Martha or did the hire as they saw success and acted on it…congrats as I know from experience that isn’t always easy to do. I called with a concern and left as a more committed customer to MF because I could tell we are in good hands.

My last stop after a long day of work today was to pick up my new license plates at Megson Fitzpatrick. It ended up being the highlight of my day. Natalie Willock was kind and professional when she greeted me. She was so organized and made the logistics of covid precautions feel easy breezy. I can’t remember the name of the woman who helped me with my car insurance and I can’t recognize her on any pictures on your website, but she was the absolute best. She was efficient, knowledgeable and went above and beyond. She was thorough in explaining all of the changes to my insurance charges and we celebrated that I was now paying Island prices instead of Vancouver prices! I was excited to pick up my new colourful plates with the little bear on them and she emphatically shared in the excitement with me. We even did a brief Wikipedia search about the Kermode bears. She helped me pick out tools to replace my plates and provided zip-ties when my car’s hardware was too old to reuse. She was honestly just so pleasant and she deserves to be recognized for the wonderful person and employee that she is. If there is any way to find out who she was through my information, here it is: I was insuring a 2002 Nissan Pathfinder with new plates PF787A and I had my walk-in appointment at 3:30 on April 14, 2021. I think her desk was the second one in to the left. If that helps identify the perfect unicorn that provided my insurance, please give her a big thumbs up. Who knew a quick stopover to pick up car insurance could be so fun? Your team is respectful, professional, and an absolute delight. Your hiring manager probably also deserves a pat on the back for hiring such great people.

Sincere thanks for all of your assistance today. We are looking forward to working with you. Anna, sincere thanks to you for the amazing service you have provided to us over the past 3 1/2 years. We feel so fortunate that you answered the telephone when we called inquiring about vehicle insurance. You have provided outstanding and professional service during every encounter. You were very proactive with us as policies were coming up for renewal. Also, you remembered our home insurance was coming up for renewal and introduced us to Melissa. Like you, Melissa was extremely well prepared leading to the two of you taking over our home insurance. Have a wonderful evening and a fantastic week everyone!

Kathie & Mike R.

Fantastic as always. Never had an unprofessional or unfriendly experience.

Always great to deal with. Thanks for your assistance.

Very pleased with the service provided. The online appointment was easy to make. The reception at your office was prompt and courteous. The renewal was handled efficiently.

It was very, very pleasant and there was a young gentleman named Michael who look after me He was very pleasant and very methodical and checked all his calculations over. I have been dealing with Megson FitzPatrick for many yrs and have always had a pleasant experience. Sorry I don’t know Michaels last name but I did ask him for his business card and he said he hasn’t got business cards as yet but that will happen. He is fairly new there I gather. Michael is a keeper in my books for Megson FitzPatrick Insurance. Thanks a bunch Again, I would have Michael in my employ anytime if I were employing.

I came in today with what I thought was a simple insurance purchase, however, it quickly turned into quite the ordeal because I came from out of province and have a leased vehicle. The lady that helped me, I believe her name was Vicki, she was sitting at the first desk on the left. She was absolutely wonderful and handled everything smoothly. She explained everything very well and made sure she had covered all the steps thoroughly. Just wanted to let someone know, it was a very long but pleasant experience thanks to her.

Super pleased with the coverage and the service Megson FitzPatrick has offered over the last little while. I will definitely recommend you to anyone looking for Insurance! 🙂

You guys are great, you are very well organized and geographically easy to get to at Uptown. We have 5 vehicles in our family and all are insured thru you. I was particularly happy that today you had a replacement veteran plate in stock to replace the one I had stolen recently. Fantastic job you do.

Hello! I had to come in to the Uptown office on Monday to cancel my insurance and was very happy how quick and courteous the staff was! They’ve always been very nice and pleasant to deal with. Thanks as always! I definitely plan on choosing you guys again when I get another vehicle. Thanks.

Great, Quick, friendly, clear service.

I just returned from your Victoria Uptown location and as every time I’ve been there the customer service has been excellent! Everyone I’ve been dealing with at MF during repeat visits over the past year has been extremely friendly and knowledgeable. I also appreciate the office’s Covid policies in place to keep everyone safe. I’m lucky to have such as friendly and competent insurance broker in my neighbourhood.

Apologies as this is slow…but believe when you are treated with exceptional charm, wit, good humour and professionalism you should share! I had the good fortune of renewing my car insurance with the vivacious Ms. Jackie Brown at the Uptown locale… this woman is exceptional and so kind and easy-going…actually made the process of insurance renewal at Christmas, during a pandemic a breeze…. thank you Ms. Jackie… you are an asset to the business and keep on keeping on…

WOW! Blown Away! HUGE S/O to Jackie Brown/Auto Acct. Mngr at @MFIVictoria. Her prompt cheerful helpful efficient service is rare and #MadeMyDay and made me #CustomerForLife of this #YYJ company. Highly recommend to anyone in #Victoria. Thx Jackie <3

Maggie M. HeartAGlow

Hi There, my wife and I were in for an auto-renewal appointment at 0915am this morning (Dec 15). We were at the Shelbourne St office. The customer service agent that dealt with us was very nice, professional, knowledgeable and patient. It was very easy to interact with her. Please pass on our thanks to her and let her supervisor know how lovely our experience was with her today. In this day and age, it seems like the only time people contact a business is when they are dissatisfied. We were very satisfied with the customer service today and your employee deserves thanks and appreciation for that.

Rob & Leslee C.

We were very pleased with the agent who processed the Vehicle registration renewal. Likewise, my husband and I were impressed with Shelley Parussini who explained the details of our B.C. home insurance in a clear and easy-to-understand fashion.

I was in this morning re autoplan renewal. Jacklyn helped me out today and the last couple of times I have come in. Jacklyn is very knowledgeable and pleasant. I used to be all BCAA however am now transitioning to MF. One of the main reasons for this is your customer service. Fantastic! I will also add that your online appointment system is very convenient.

I had a very nice, and very unusual experience last week. Out of the blue, someone named Samantha Rankin who works for Megson Fitzpatrick reached out and asked if I knew that my good credit score could help me get lower rates on my insurance. I. WAS. FLOORED. My most common experience in getting better rates normally involves threatening my mobile provider/internet provider that I’m moving my business. Then they miraculously find me a better rate with more features. It always comes down to thinly veiled threats. I can’t tell you how nice it was to have Ms. Rankin tell me I could get lower rates, and that she would handle all the work. This is how great brands are built. Give her a raise!

I had two appointments with your staff. One was over the phone to renew our vehicle insurance and the other was in-person to transfer a travel trailer into our name and insure it. Both staff were absolutely lovely to deal with, the length of the appointments were great and any questions or concerns I had were answered. Very good experience!!

Just wanted to follow up with my appointment today at the Uptown Centre in Victoria BC. Was greeted at the door by [Vicky] very pleasantly. Proceeded on to my appointment with [Hayley] to transfer a vehicle into my name and buy insurance. Just wanted to pass on the excellent service I received and how easy and pleasant the process was. Would highly recommend Haley and your company to my friends.

I was just at your office this afternoon and received excellent service! Katrina was amazing and very patient with me. I had two vehicles that I needed to register and insure in B.C from Alberta. She explained very clearly all the difference between provinces and helped me in deciding what to insure! I will without question recommended Megson Fitzpatrick as all staff seem extremely helpful and professional! It is very difficult these days with covid to been seen without an appointment but Sheila manage to accommodate me and explain what documentation I needed when I came back to the office. Thanks to both ladies as moving is stressful enough!

The lovely person who helped me was named Jaclyn at the Shelbourne branch. She was an absolute pleasure to work with! 10/10

Awesome service and the agent was very knowledgeable and helpful.You got me as a customer. Thank you!

I received excellent service when I went to my appointment. Your representative was awesome and informative.

I wanted to pass along how wonderful your staff is. From the receptionist to Jackie Brown, who renewed my insurance, your staff was helpful, friendly and I felt very safe. Jackie was particularly friendly and lovely to deal with. Thanks for wonderful service in such odd times. Being able to make an appointment was so helpful as well.

We were very impressed with your service. The agent was delightful, knowledgeable and very sweet. Thank you.

I’m sorry that I missed the young ladies name who I met with but her service was EXCELLENT! Fast, friendly, efficient with a great sense of humour (much needed in these times). I also felt completely safe. Thanks so much for your help in renewing my car insurance. I highly recommend Megson to all my friends and family……always. Keep up the great work!

Yesterday [June 18, 2020], I had the delightful experience to (remotely) renew my auto insurance with Hayley Zedel. She was most helpful in her kind and knowledgeable manner. Your company is very fortunate to have her as a very thoughtful and pleasant staff member.

Very helpful. They take the time to answer all your questions. Highly recommended. You might be on hold for a while during this COVID situation, but they’re very helpful once they answer your call. Call to see if they’re able to register new plates, they have been working towards being able to do this for you.

I am new to BC, with that being said the insurance is so different here. They went through everything in detail with me and made me feel a little more comfortable understanding insurance here. Thank you for that.

Have dealt with MFI on several occasions recently and have been very satisfied with my experience. Kim Tucson has been extremely helpful and professional. Many thanks.

We’ve dealt with Megson FitzPatrick for home insurance for several years. We’ve always experienced prompt service and the agents are very knowledgeable and helpful.

I would like to take this time to acknowledge Sheila Ciesek for her excellent customer service. She was very friendly, polite and professional and helped me insure 4 trucks. I called into today to insure a trailer and was lucky enough to get her again. She is the reason we will do our truck and trailer insurance with your company. As an office manager for a small company, I appreciate people like her with her skill set. She is an asset to your company and I hope we still have the option of doing the insuring over the phone.

The multiple Megson Fitzpatrick locations across the city make obtaining insurance easy. But my preference for the company goes beyond that simple convenience. Time again, my experience with the staff is top-notch. They are knowledgeable, kind, and genuinely enjoy a good conversation. Everytime I enter and exit a Megson Fitzpatrick store, it’s all smiles.

I am writing to give credit to Cassie at the Uptown location for her tremendous and efficient service last month. I was on a tight timeline, and needed to re-insure two vehicles, and change a policy significantly, and was feeling stressed. Cassie quickly took care of everything, answered all of my questions, and was courteous as all get out. Thanks, Cassie!

Start a conversation with one of our expert brokers today to determine the right coverage for you.

• Megson FitzPatrick, is now Acera Insurance. Learn More
• Our Royal Bay office is now open  Saturday 9a - 5p !

HelloSafe » Travel Insurance » BC

What are the Best Travel Insurance BC Plans in 2024?

• The most competitive offer on the market
• Fast and efficient submission process
• Multilingual emergency assistance services available 24/7

soNomad travel insurance offers emergency medical coverage up to $5,000,000, including COVID-19 at no extra cost, and baggage insurance up to $1,500, all with no deductible. It stands out for its competitive rates and excellent value for money, surpassing competitors like Allianz and Manulife, which are often more expensive for similar coverage. The cancel-for-any-reason program, subscribed within 7 days of booking, provides additional security. Ideal for all travelers, including those with pre-existing medical conditions.

• Higher rates for the greatest coverage offered on the market
• Allianz offers are very comprehensive

Allianz travel insurance offers emergency medical coverage up to $5,000,000, including COVID-19 protection at no extra cost, and baggage insurance up to $1,000. Although its rates are higher, Allianz stands out for the quality and breadth of its coverage. Compared to soNomad and TuGo, Allianz offers a very comprehensive package but at a higher cost, making it an ideal choice for those seeking maximum and uncompromising coverage.

• Interesting formulas for trips lasting up to one month
• Important coverage
• Adapted to your basic needs

Manulife travel insurance offers a "COVID-19 Pandemic Travel Insurance Plan" providing emergency medical coverage up to $1,000,000 for COVID-19 related health issues, increased to $5,000,000 for fully vaccinated individuals. In case of unforeseen quarantine, it covers up to $200 per day per person (maximum $2,800) and $400 per day per family (maximum $5,600). Compared to other plans, Manulife stands out for its extensive coverage and specific quarantine benefits, offering increased security for vaccinated travelers.

Travelling is an exhilarating experience, filled with new adventures and discoveries. However, unforeseen events can disrupt even the most meticulously planned trips.

To safeguard against these uncertainties, travel insurance becomes essential for any traveller, including residents of British Columbia. But how do you choose the best travel insurance BC policy that's right for you?

In this guide, we look at the best travel insurance BC plans, what they cover, how much they cost, and more. You can use the HelloSafe comparator to compare plans from various providers and also get free quotes in seconds , so you can pick a policy that truly suits your individual needs.

Best BC Travel Insurance Plans

• SoNomad travel insurance : "Versatile coverage options"
• Allianz travel insurance : "Global assurance for your journey"
• TuGo travel insurance : "Adventure and all-inclusive choices"
• Desjardins travel insurance : "Reputable brand coverage"
• Manulife travel insurance : "Comprehensive protection for all travels"
• Sun Life travel insurance : "Flexible options for all types of travel"
• Blue Cross travel insurance : "Established provider with various plans"
• Medoc travel insurance : "Focus on emergency medical benefits"
• BCAA travel insurance : "Tailored coverage for BC explorers"

Top BC travel insurance plans in 2024

In general, the best travel insurance option depends on your specific needs, such as the type of trip, the level of coverage required and any pre-existing medical conditions. We compared plans from different companies and considered factors like reputation, coverage scope and pricing to help you choose the best option for your travel needs. Here are our top 9 picks for travel insurance for BC residents:

SoNomad travel insurance: Versatile coverage options

SoNomad travel insurance in Canada covers a wide range of expenses, including emergency medical expenses trip cancellation or interruption expenses, baggage loss or damage, personal liability coverage, trip delay insurance, emergency medical transportation, COVID-19-related expenses, such as medical treatment, quarantine and transportation.

SoNomad travel insurance is ideal for Canadian residents who are travelling outside of Canada or Canadian residents who are travelling within Canada, but who do not have a provincial health insurance plan. It’s also a good option for people who are travelling to countries with high medical costs.

• Competitive prices
• Easy to purchase and claim
• Covers a wide range of expenses
• Includes COVID-19-related expenses
• Some plans have high deductibles
• There may be exclusions for certain pre-existing conditions
• The policy may not cover all types of travel, such as adventure travel or cruises

If you would like to explore further and get a SoNomad travel insurance BC quote that is personalized to meet your unique needs, you can do so below and get results in a few moments.

Allianz travel insurance: Global assurance for your journey

Allianz travel insurance is a leading provider in Canada. With a strong international presence, Allianz can help travellers overcome language barriers and get quality medical care wherever they are.

Allianz Travel Insurance Canada offers a variety of coverage plans to fit any travel itinerary. The coverage per travel package is comprehensive and includes medical interventions, car rental protection and travel interruptions.

• Variety of plans to choose from, depending on your budget and travel needs
• Free coverage for dependent children under 17 years old
• Extensive coverage for long trips
• Easy access to customer service for assistance
• Lower coverage limits than some competitors
• Adventure and extreme sports activities not included

If you would like to explore further and get an Allianz travel insurance BC quote that is personalized to meet your unique needs, you can do so below and get results in a few moments.

TuGo travel insurance: Adventure and all-inclusive choices

TuGo is a Canadian travel insurance provider that offers a variety of plans to suit different needs and budgets. It offers emergency medical coverage of up to $10 million, trip cancellation/interruption, baggage loss, adventure sports and more. TuGo travel insurance also offers the Cancel for Any Reason (CFAR) upgrade, which allows you to cancel your trip for any reason and receive a full refund.

TuGo is a good option for snowbirds or frequent young travellers who also seek adventure activities. However, its all-inclusive plans are only available for those aged 59 years and under, making it not the best choice for older adults.

• TuGo travel insurance covers a wide range of expenses including rental car damage
• Offers emergency medical coverage, including doctor's visits, hospital stays and ambulance rides
• Has multi-trip plans for frequent travellers
• Can be purchased easily — online or through their customer service representatives
• Premiums can be higher than some other providers
• May not cover pre-existing medical conditions, depending on the severity of the condition
• Some customers reported delays or difficulties in processing claims
• The all-inclusive TuGo travel insurance plan has an age limit of 59
• People above 59 may need to purchase a different plan or provide a medical questionnaire

If you would like to explore further and get a TuGo travel insurance BC quote that is personalized to meet your unique needs, you can do so below and get results in a few moments.

Desjardins travel insurance: Reputable brand coverage

Desjardins is Canada's largest cooperative financial institution, with over 7.5 million members, mostly in Quebec and Ontario. It was founded in 1900 in Lévis, Quebec. Desjardins travel health insurance is therefore provided by a reputable company with a trusted history.

Its coverage includes a range of travel-related risks, such as emergencies like accidents, health, evacuations, trip cancellations, delays and more.

• Well-established and reputable company with a long history of providing financial services
• Desjardins members can get 3 days of complimentary coverage
• Free insurance on some credit cards
• Easy-to-use website and 24/7 customer service
• Penalty for not contacting assistance service
• Some advantages only for Desjardins members
• No online chatbox

Before you decide if Desjardins is the right pick for you, compare coverages, and the pros and cons of Canada's best travel insurance plans right here. You can use our HelloSafe comparator below and compare plans from the best providers and also get free quotes in no time.

Compare the best travel insurance plans on the market!

Manulife travel insurance: Comprehensive protection for all travels

Manulife travel insurance in Canada covers a wide range of expenses, including emergency medical expenses, trip cancellation or interruption expenses, baggage loss or damage, personal liability coverage, trip delay insurance and emergency medical transportation.

Manulife travel insurance is ideal for anyone who is travelling outside of Canada, whether for business or pleasure. It is also a good option for people who are travelling within Canada, but who do not have a provincial health insurance plan.

• Wide range of coverage

If you would like to explore further and get a Manulife travel insurance BC quote that is personalized to meet your unique needs, you can do so below and get results in a few moments.

Sun Life travel insurance: Flexible options for all types of travel

Sun Life is a well-regarded insurance company hailing from Canada, recognized for its assortment of insurance offerings, which encompass travel insurance as well. Its coverage encompasses emergency medical costs, trip cancellations, interruptions, loss of baggage and insurance against accidents during travel.

Families, individuals and groups of travellers alike will find appeal in its manifold coverage choices and a purchase process that is refreshingly unambiguous. Elderly individuals seeking travel insurance might find it relatively pricey due to the escalations in premiums that come with advancing age.

• An extensive array of coverage alternatives
• Provides robust coverage for exigent medical expenditures
• Simple and easy travel insurance process, catering to individuals, families and even groups embarking on journeys
• More exclusions and constraints compared to competing providers
• Might not extend coverage to pre-existing medical conditions, or the coverage for such conditions could be confined
• The claims process could prove cumbersome, potentially demanding substantial documentation from travellers

Blue Cross travel insurance: Established provider with various plans

Blue Cross travel insurance provides a range of coverage options including emergency medical expenses, trip cancellation/interruption, baggage loss and more. They offer various plans tailored to different types of travellers, such as individual, family, or senior travellers.

It offers courage for emergency medical expenses, trip cancellation/interruption, baggage loss, accidental death and dismemberment and travel assistance services. However, pre-existing medical conditions in some cases, risky activities and certain trip cancellation reasons are not covered.

• A well-known and established insurance provider with a strong reputation
• Caters to various types of travellers and offers comprehensive coverage options
• Offers flexibility in plans
• Limited coverage for pre-existing conditions
• Certain exclusions in cancellation coverage

MEDOC travel insurance: Focus on emergency medical benefits

If your primary concern is medical coverage while travelling, MEDOC specializes in offering comprehensive emergency medical benefits. Medoc travel insurance focuses on emergency medical coverage for travellers. It provides coverage for medical emergencies, evacuation and certain non-medical benefits.

While it offers great coverage options, it doesn’t cover pre-existing medical conditions, some adventure sports and certain non-medical trip interruptions.

• Strong emergency medical coverage
• Simple plans tailored to medical needs
• Limited coverage for non-medical aspects
• Pre-existing condition limitations

BCAA travel insurance: Tailored coverage for BC explorers

BCAA is a well-regarded insurance provider in BC, offering a range of coverage options for different types of travellers.

It offers various plans including emergency medical coverage, trip cancellation/interruption, baggage protection, accidental death and dismemberment and more. Its exclusions include pre-existing conditions, certain risky activities and non-medical trip interruptions.

• Established provider
• Multiple coverage options
• Some plans cover pre-existing conditions
• Limited coverage for pre-existing conditions in some plans
• Exclusions for risky activities

How much does travel insurance BC cost?

The cost of travel insurance in BC will vary depending on the company you choose, the type of coverage you need and your age and health. However, here is a general overview of the cost of travel insurance (for a 27-year-old BC resident travelling to India) from some of the top companies in BC:

Please note that these are just estimated prices for an all-inclusive package with a trip value of $1,000.00. The actual cost of travel insurance will vary depending on the factors mentioned above. It is important to get quotes from multiple companies before you buy a travel insurance policy. Here are some things to keep in mind when comparing travel insurance quotes:

• The level of coverage
• The deductible
• The maximum benefit
• The waiting period
• The exclusions

We recommend that you compare pricing, coverage, and exclusions from various policies before you decide upon one. All you need to do is simply use the HelloSafe comparator below and get free quotes tailormade to your unique needs, in just a few seconds.

What does travel insurance BC cover?

The coverage level for each of these travel insurance providers will vary depending on the specific plan you choose. However, here is a general overview of the coverage that is typically included:

These are just the maximum benefits for each coverage. The actual amount of coverage you receive will depend on the specific plan you choose.

What is travel trailer insurance BC plan?

Travel trailer insurance in BC is a type of insurance that covers your travel trailer against damage, theft and liability. It is similar to car insurance, but it is specifically designed for travel trailers.

Travel trailer insurance can be purchased through a variety of insurance companies, including ICBC, BCAA and Westland Insurance. The cost of insurance will vary depending on the make, model and value of your travel trailer, as well as your driving record and the level of coverage you choose.

The coverage that is typically included in travel trailer insurance includes:

• Physical damage: This coverage will pay for the cost of repairing or replacing your travel trailer if it is damaged in an accident, fire or other event.
• Theft: This coverage will pay for the cost of replacing your travel trailer if it is stolen.
• Liability: This coverage will pay for the cost of damages that you cause to other people or property while driving your travel trailer.
• Medical payments: This coverage will pay for the cost of medical expenses for people who are injured in an accident involving your travel trailer.
• Collision forgiveness: This coverage will waive your deductible if you are involved in an accident that is not your fault.
• Rental reimbursement: This coverage will pay for the cost of renting a replacement travel trailer if yours is damaged or stolen.

Do you need medical travel insurance in BC?

Yes, you need to purchase medical travel insurance if you are a British Columbian travelling outside of the province, even if you are only going to another part of Canada. This is because the British Columbia Medical Services Plan (MSP) does not cover medical expenses outside of the province.

There are many different travel insurance providers available, so it is important to compare plans before you buy. Some things to consider when comparing plans include:

• The level of coverage: Make sure the plan covers all of your medical expenses, including emergency hospitalization, doctor's visits and prescription drugs.
• The deductible: The deductible is the amount of money you will have to pay out of pocket before the insurance company starts paying.
• The maximum benefit: The maximum benefit is the total amount of money the insurance company will pay for your medical expenses.
• The waiting period: Some plans have a waiting period, which is the amount of time you have to wait before the insurance company starts paying for your medical expenses.
• The exclusions: Make sure you understand the exclusions, which are the types of medical expenses that are not covered by the plan.

Is there BC government employee travel insurance?

British Columbia government employees are eligible for group out-of-country and travel assistance coverage through Canada Life. This coverage includes:

• Emergency medical and dental services
• Emergency transportation
• Travel delay reimbursement
• Baggage loss or damage
• Trip cancellation or interruption

Employees can also purchase an optional emergency travel medical benefit, which provides additional coverage for medical expenses that occur during trips that begin and end in Canada. In addition to group coverage, BC government employees may also want to consider purchasing individual travel insurance. This can provide additional coverage for things like:

• Cancelling or postponing a trip due to a non-medical reason
• Lost or stolen passports or travel documents
• Trip interruption due to weather or other events
• Medical evacuation

If you'd like to explore policies that cover you beyond your government employee benefits or if you'd like to look for a policy with comprehensive coverage, you can do it right here. You can use the HelloSafe comparator below and get free personalised quotes from the best travel insurance providers.

5 tips to get cheap travel insurance BC plan

• Compare Quotes: Shop around and compare prices from different insurers. Use the HelloSafe comparator and get free quotes in seconds.
• Choose Basic Coverage: Opt for essential coverage that matches your trip needs.
• Travel Off-Peak: Plan your trip during less busy travel seasons for lower rates.
• Bundle with Existing Policies: Check if your existing insurance provider offers discounts for travel insurance.
• Increase Deductibles: Consider higher deductibles to lower premium costs.

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What are my travel insurance coverage options, through bcaa you can purchase emergency medical travel insurance, visitors to canada insurance and/or a trip protection package to cover you on your travels. sep 28, 2022 • knowledge, was this article helpful, related articles.

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Find a plan, advice center, common questions, travel medical insurance.

Emergency Medical coverage for British Columbians travelling outside BC.

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The Government of Canada has issued an official global advisory to avoid non-essential travel (Level 3) outside of the country to limit the spread of Coronavirus (COVID-19). As a result, coverage related to Coronavirus (COVID-19) will be affected:

Travel Medical Insurance For trips that depart on or after March 13, 2020, Coronavirus (COVID-19) related illness will not be covered unless you are fully vaccinated. You can learn more about how Government travel advisories impact coverage in our Travel Insurance FAQs .

Trip Protection Insurance (Cancellations/Interruptions) Effective March 12, 2020, we are considering Coronavirus (COVID-19) to be a known event for individually purchased Trip Protection. Travel insurance is intended to cover losses arising from sudden and unforeseeable circumstances. Any claims resulting from events known to a policyholder at time purchasing the trip are not covered.

These conditions will remain in effect until the advisory is lifted or otherwise stated by Pacific Blue Cross.

We want you to enjoy your trip...

You're going to relax, have a good time, unwind… but before you leave do the one thing that could save you thousands or millions of dollars. Buy travel insurance.

It would be nice if you could guarantee good health and a safe trip, but in our world today, we know life, and certainly travel, are not predictable. When we travel in an unknown environment, we face risk from all angles. Don't stop exploring; just protect yourself from the unexpected — our travel plans can help you do that.

Who do we cover?

You're eligible for travel coverage if:

• You are a resident of Canada
• You have coverage with the government health plan of your province or territory
• You are applying for coverage prior to departing

We provide travel coverage to people of any age. However, persons 61 and older may be required to complete a Health Declaration form as part of their application.

If you're a visitor to Canada and want to apply for health coverage while in BC, you may be eligible for our Visitors to Canada plan.

Pacific Blue Cross travel plans are known everywhere you want to go. Whether you're looking for $10 million travel health coverage or a comprehensive package that includes baggage and trip cancellation, single or multiple trips– we have a solution for you!

What coverage is available?

Our basic travel plan covers costs related to emergency medical care resulting from an accident or sudden illness. Additional coverage is also available for trip cancellation or interruption, air flight accident, emergency return, as well as baggage loss, delay or damage.

All of our plans include:

• 24/7 access   to a team of professionals to connect you with local resources.
• Direct Pay—We will pay any providers directly.
• Coverage for pre-existing conditions—As long as your pre-existing condition meets a minimum stability period you can receive full protection.

Plan Highlights:

Basic plan coverage.

Our base plan covers the following costs for emergency medical care to a maximum of 10 million dollars:

• Emergency medical expenses:   This includes any hospital fees (for a private or semi-private room), nursing fees, drug costs, incidental hospital expenses (television, parking etc), the cost of medical appliances (crutches, canes, wheelchairs), physician and professional fees, diagnostic services (lab tests, xrays), and emergency dental care. F r ee fo r Kids! Only Pacific Blue Cross covers kids of all families for free when you buy travel medical insurance – whether its for one parent or two.
• Repatriation costs:   In addition to paying for you to return to your province or residence to receive immediate medical attention*, we will arrange to have your vehicle returned, your pet returned and your baggage returned. Should an insured person pass away, we cover the cost of repatriating the deceased.
• Medical Follow-up in Canada:   We cover select treatment costs following repatriation.
• Ambulance and taxi fees:   We will pay for the cost to transport a sick or injured person to the nearest Hospital or accredited medical facility.
• Transportation to visit the covered person:   We will cover the cost of round trip, economy class transportation for a family member or friend to visit a sick or injured person in hospital. We also cover the expenses of this visitor while he/she is staying close by up to $300 per day to a maximum of $1,200.
• Subsistence allowance:   We will reimburse you up to $300/day to a maximum of $3000 for accommodation, meals, essential phone calls and transportation by taxi if your return is delayed due to illness or injury.

*Requires the authorization of the attending physician and CanAssistance.

Additional Coverage Options

You can add the following individual benefits to your plan or choose a package and save:

• Trip Cancellation or Interruption:   We will reimburse your travel costs if your trip is cancelled before the planned departure or interrupted after your trip has begun.
• Air Flight Accident:   We insure you if you lose your life or the use of a limb in an air flight accident.
• Accidental Death and Dismemberment:   We insure you if you lose your life or the use of a limb in a non-air flight-related accident.
• Emergency Return:   We will cover transportation expenses for you to return home and possibly back to the holiday destination in the event of an emergency.
• Baggage loss, delay or damage:   We provide payment to cover the cost of lost baggage or the cost to purchase items while baggage is delayed.

This is not a policy. Actual terms and conditions are detailed in the policy issued by Pacific Blue Cross upon approval of application. Our policy will detail plan limitations and exclusions.

Call us if an emergency strikes

Medi-Assist is our 24/7 medical travel assistance line that will help you locate medical care, provide advisory services, refer you to interpreters, assist with transportation, contact relatives and more. It means you can focus on getting healthy and leave it to us to manage your care while in an unfamiliar environment.

If you do experience an unexpected emergency while travelling, we are here to help.

During your trip, you can call our   Medi-Assist   service to determine your level of coverage and receive help:

• In Canada or the U.S., call toll-free:   1-888-699-9333
• Outside of Canada or the U.S. or where toll-free is unavailable, please call collect to   1-604-419-4487   and we will pay for the call.

Claims Process

Out-of-Province Emergency Medical Claims  — Four simple steps

Trip Cancellation / Baggage Claim Form   — Form for claiming Trip Cancellations or Lost Baggage [pdf]

Visitors to Canada Travel Plan Claim Form   — Form for claiming against a Visitors to Canada Travel Plan contract [pdf]

Choose one of our Travel Insurance plans below to get started

Travel Medical

Emergency medical coverage for British Columbians while travelling outside of BC.

Visitors to Canada

Emergency health coverage for tourists, workers, new immigrants and students visiting BC.

Trip Protection

Peace of mind coverage for travel costs related to unexpected cancellations, interruptions and delays.

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Welcome to Canada

Visitors to canada, travel emergency medical insurance coverage for unexpected medical expenses..

Welcome (or welcome back)! If you're visiting or returning to Canada, we offer protection from costly medical expenses that require emergency hospitalization or emergency medical treatment.

You can choose your coverage limit and coverage is worldwide as long as the majority of the time is spent in Canada. It's the perfect plan for Visitors to Canada, returning Canadians and landed immigrants awaiting provincial health care coverage.

Key Benefits

Emergency medical treatment.

Get covered for emergency medical services up to a coverage limit of $300,000 CAD.

Pre-existing Medical Conditions

BCAA offers coverage for some travellers who have stable or unstable pre-existing conditions.

Prescription Drugs

This plan covers the cost of prescription drugs during a hospital stay plus a 30-day supply after being released from hospital.

Dental Services

Don’t let an accident ruin your smile. This plan covers emergency dental expenses you incur while on your trip within Canada.

24/7 Worldwide Virtual Care

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

Additional Benefits

Trip Protection Package

Coverage for trip cancellation, trip interruption, airline delays and baggage loss, damage or delay.

Baggage Coverage

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

Travel Delay Coverage

Be covered for expenses resulting from a delayed flight of more than 4 hours and/or when your baggage is lost or delayed more than 6 hours.

Why Choose BCAA Travel Insurance?

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

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

BC’s Most Trusted Insurance Brand

British Columbians consistently rank BCAA as BC’s Most Trusted Insurance Brand**.

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

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

Planning a Trip? We’ve Got Your Back.

Helpful info on BCAA Travel Insurance and COVID-19

BC’s Top Choice for Travel Insurance based on a third party market share study of responses from approximately 1,500 British Columbians per month; BCAA is consistently selected by the highest proportion of British Columbians for where they purchased their travel insurance.

The availability of virtual care depends on your geographic location, medical emergency and remains subject to the discretion of BCAA Claims Assistance. Travel Insurance is sold through B.C.A.A. Holdings Ltd. dba BCAA Insurance Agency, a licensed insurance agent and is underwritten by BCAA Insurance Corporation. Insurance claims are administered by Orion Travel Insurance, a division of Echelon Insurance,  and its subcontractors, Active Care Management (2018) Inc. and Global Excel Management Inc. and all policy terms, conditions, exclusions and limitations can be found in the policy wording at bcaa.com/wordings. The availability of virtual care depends on your geographic location, medical emergency and remains subject to the discretion of BCAA Claims Assistance. * BCAA Member savings on insurance products are only available with Basic, Plus, or Premier Membership plans. For full details, please visit bcaa.com/plans . Applicable to Travel Emergency Medical Insurance policies. Dependent children are free on family policy with two paying adults. Adults must be age 59 or younger. Policy terms and conditions apply. **BCAA, in association with CAA, was chosen as the #1 Most Trusted Insurance Brand by British Columbia participants in the 2023 Gustavson Brand Trust Index.

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