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Travel Emergency Medical Insurance

Whether you’re traveling within Canada or abroad, BCAA has you covered with BC’s Top Choice for Travel Insurance. Get $10,000,000 in emergency medical coverage, 24/7 virtual care, FREE coverage for your kids, and optional Trip Protection with Travel Delay +AutoPay.

Plus, BCAA Members save 10%. 

Limited-Time Offer**:
Get FREE Travel Delay +AutoPay with any Emergency Medical policy (within Canada). Offer ends Sept 30, 2025.

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Worldwide Travel

Covers you anywhere in the world, including the United States.​

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Worldwide (Non-Us) Travel

Covers international travel to any destination outside the US, including transit through the US for up to 5 days. It’s the most cost-effective choice if you're not travelling to the US. ​

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Canada Travel

The right plan if you’re traveling outside of your home province and exclusively within Canada. ​

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Get instant payouts with Travel Delay +AutoPay.

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Plan Benefits

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Travel Emergency Medical Insurance

Get comprehensive coverage of up to $10,000,000 CAD per person, per trip, including hospital, physician, ambulance services and more.

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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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24/7 Emergency Assistance

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 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.

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Optional Coverages

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Pre-existing Condition Coverage

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

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Trip Cancellation
Trip Protection Package

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

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Baggage Insurance
Baggage Coverage

This plan covers loss, damage or theft of your baggage, personal effects and currency.

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Travel Delay +AutoPay

Get automatic instant payouts for flight and baggage delays to make your delay more comfortable.

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How Can You Save with BCAA?

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Membership savings

BCAA Members save 10% on any new policy.*

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Kids Go FREE

Children are automatically covered for FREE on family plans.*

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Loyalty Discount

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

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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.

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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.

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.

BCAA Blog

Offering expert advice, useful articles, inspiring stories and simple tips to help you navigate life’s many roads.

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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 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 Travel, Life, Health & Dental and Car 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.

**For a limited time, add Travel Delay +AutoPay at no additional cost when you purchase a new Travel Emergency Medical Annual Multi-trip policy or a Single Trip policy for Travel Within Canada before September 30, 2025. If you choose to add the Trip Protection Package, the cost will be reduced to reflect the value of the included Travel Delay +AutoPay coverage.