Kaitlynn Furse

School will soon be out for the summer, and many young families are opting to explore the beauty of their own country travelling to top destinations like Vancouver, Calgary and Halifax rather than heading south. While many travellers prioritize insurance for international trips, a recent CAA survey found that many people overlook the necessity of travel insurance for domestic travel, often assuming provincial healthcare will have them covered. "Exploring Canada’s breathtaking landscapes is an adventure worth taking, but unexpected travel hiccups don’t stop at the border,” says Kaitlynn Furse, Director Corporate Communications, CAA SCO. “Whether it’s a sudden medical emergency or trip disruptions, having the right travel insurance ensures you can focus on making memories." The national travel survey conducted for CAA reveals that four in ten Ontarians (41 per cent) travelled outside their home province without travel insurance during their last trip. Some believed it was unnecessary (43 per cent), others worried about the cost (24 per cent), and 20 per cent took their chances, hoping nothing would go wrong. “Many Canadians assume they’re fully protected when travelling within the country, but that’s simply not the case,” adds Furse. A minor mishap can become a major expense, whether a broken ankle on a hike or a last-minute interruption.” Here are two unexpected ways travel insurance can help: You break your ankle while hiking on one of Canada’s beautiful nature trails and now need an ambulance or an airlift, crutches, and medication. You’re on vacation but must return unexpectedly because someone at home gets seriously ill. In stressful situations, like when a family member falls ill, it helps to have support when you need it. Trip Cancellation Insurance would cover the flight change fee and help get you back home. According to Orion Travel Insurance, part of the CAA family, the average medical claim cost has risen by 15 per cent annually since 2019, with everything from ear infections to air ambulance services becoming significantly more expensive. Here are ten additional tips to help your trip go smoothly, no matter where you travel. Know the cancellation policies and check limits or restrictions for everything you booked. Make sure you understand any key dates related to cancellations or changes. This includes accommodation, flights, car rentals, tours, and cruises. Check limits or restrictions on credit cards, employee benefits, and pensions to determine if you need additional travel insurance coverage.   Make sure all your documentation is in order before you book. It is recommended that passport renewals be completed six months before your planned trip. Your passport should still be valid six months after your travel date, as this is required in several countries.  There are varying documentation requirements, so make sure you fully understand what information you need to have ready and in what format.  Read up on Government of Canada travel advisories for your destination. Understand the risk level associated with travel to a particular destination by checking the Government of Canada Travel Advice and Advisories website. Individual travel advisories remain on a country-by-country basis. It is important that Ontarians/Manitobans understand the ongoing uncertainty associated with international travel.  Speak with your physician to discuss your travel plans. It is important that you speak to your physician to ensure you are up to date with needed travel vaccines and have them prescribe enough medication for the length of your trip. Ensure all the medication you take is packed in your carry-on and in its original bottles with labels intact.    Consider purchasing travel insurance at the time of booking your trip. To lock in the best protection, book your travel insurance at the same time you book your trip. Booking Trip Cancellation or Interruption insurance will give you peace of mind that you and your investment are protected. Insurance must be in place before things go wrong for you to benefit from coverage.   Get to the airport early. The old standby of being at the airport one hour before takeoff for domestic flights and two hours before international flights no longer apply. CAA recommends arriving at the airport at least two hours before domestic flight departures and at least three for international flights.  Stay connected. It is important to have access to trusted, up-to-date information while travelling so you can monitor changing conditions and requirements and adapt accordingly. Bookmark the Global Affairs Canada website prior to departure and check it regularly while abroad. It is also a good idea to sign up for Registration of Canadians Abroad and stay in touch with a family or friend who has knowledge of your travel plans. Find these and more information at caasco.com/travelwise Note emergency contact numbers. Provide your travel agent with contact details while travelling abroad and keep all important phone numbers handy; this includes how to call for help and your travel insurance assistance phone number. It is also a good idea to keep a physical copy of all their reservation information and leave those details with a friend or family.     Protect your ID. Ensure you have a digital and paper version of your Travel insurance wallet card, tickets to various events and attractions, and even your passport. You may also want to leave a copy of important paperwork with family members or friends.  Pack your carry-on wisely. Place the most important items like passport/ID, boarding pass, travel itinerary, wallet, phone, charger, medications, toiletries, glasses/contacts, noise-canceling headphones, book/e-reader, snacks, empty water bottle, travel pillow, change of clothes, sweater, socks, pen, and reusable bags in your carry-on bag. For more information on travel insurance and how to stay protected, visit caasco.com/travelwise Based on the sample size of n=2,005 and with a confidence level of 95%, the margin of error for this research is +/2%.)

A recent member survey conducted by CAA South Central Ontario (CAA SCO) has unveiled concerning statistics regarding the lack of travel insurance awareness and preparedness. Despite the financial risks associated with travelling unprotected, the survey found that 40 per cent of members in Ontario who travel don’t always purchase emergency medical travel insurance, highlighting a potential vulnerability. "In a world of uncertainties, our survey highlights a critical gap in travel preparedness among Ontarians," says Kaitlynn Furse, director of corporate communications at CAA SCO. "At CAA, we believe in empowering travellers with knowledge so they can explore confidently and securely." The survey also discovered that almost a quarter of respondents (23 per cent) ventured on their last trip outside the province without any form of travel insurance, exposing themselves to potential financial burdens in case of emergencies. Additionally, 33 per cent of people who travel with travel insurance relied on the coverage provided by their credit cards, raising concerns about coverage limitations, especially for those over 65. CAA SCO is launching its inaugural CAA Travel Wise Week In response to these findings, CAA SCO is launching its inaugural CAA Travel Wise Week to emphasize the crucial importance of travel insurance education. The campaign aims to inform and educate Ontarians on the risks associated with inadequate coverage and provide valuable insights into securing appropriate protection for their travel adventures. According to claims data from Orion Travel Insurance, the average cost of a medical claim has increased by 14 per cent since 2019. “Costs associated with everything from an ear infection to the use of an air ambulance have risen over the last few years due to medical inflation, underscoring the continued importance of travel insurance for life’s unexpected complications,” says Furse. As part of CAA Travel Wise Week, CAA SCO has curated a list of the top ten tips to help individuals stay protected against common travel concerns: Top 10 Tips for Travel Protection: Make sure all your documentation is in order before you book. It is recommended passport renewals be completed six months before your planned trip. Your passport should still be valid six months after your travel date, as this is required in several countries. Read up on Government of Canada travel advisories for your destination. Understand the risk level associated with travel to a particular destination by checking the Government of Canada Travel Advice and Advisories website. Individual travel advisories remain on a country-by-country basis. Speak with your physician to discuss your travel plans. Speak to your physician to ensure you are up to date with needed travel vaccines and have them prescribe enough medication for the length of your trip. Ensure all the medication you take is packed in your carry-on and in its original bottles with labels intact. Consider purchasing travel insurance at the time of booking your trip. To lock in the best protection, book your travel insurance at the same time you book your trip. Doing so will give you the peace of mind that both you and your investment are protected. Insurance must be in place before things go wrong for you to benefit from coverage. Know the cancellation policies for everything you booked. Make sure you understand any key dates related to cancellation and changes, this includes accommodation, flights, car rentals, tours, cruises. Get to the airport early. CAA recommends arriving at the airport at least two hours before domestic flight departures and at least three for international flights. Check limits or restrictions. Travel insurance is often touted as a perk for certain credit cards but can be drastically limited to both benefits and the sum insured. Check limits or age restrictions on credit cards, employee benefits, and pensions to determine if you need additional travel insurance coverage. Stay connected. It is important to have access to trusted, up-to-date information while travelling so you can monitor changing conditions and requirements and adapt accordingly. Bookmark the Global Affairs Canada website prior to departure and check it regularly while abroad. It is also a good idea to sign up for Registration of Canadians Abroad. Find these and more information at www.caasco.com/travel. Note emergency contact numbers. Provide your travel agent with contact details while travelling abroad and keep all important phone numbers handy; this includes how to call for help and your travel insurance assistance phone number. Protect your ID. Make sure you have a digital version and paper version of your travel insurance wallet card, tickets to various events and attractions and even your passport. You may also want to leave a copy of important paperwork with family members or friends. For more information, visit www.caasco.com/travelwise The survey was an online quantitative survey done with the CAA Members Matter Panel in Ontario between September 22 29, 2023. The margin of error for a sample of this size is plus or minus 1.6% at the 95% confidence level.

Winnipeg, MB, October, 26, 2021 – CAA Manitoba (CAA MB) has compiled a list of ten things that Manitobans should be aware of if they are considering travelling abroad. “Now that the Canadian government is no longer advising against non-essential travel due to COVID-19, those who are considering booking a trip should make sure they understand the scope of what travel looks like at the moment,” said Kaitlynn Furse, director, corporate communications, CAA Club Group. “The checklist for planning a trip has changed and we want to help people navigate this new environment.” Through consultation with its top travel agents, CAA MB has identified ten key considerations that potential travellers may not be aware of. Anyone who is considering travel in the current environment should make sure they have looked into the following and remember that travel requirements and regulations are continually changing. 1. Confirm the COVID-19 situation at destination prior to booking. Understand the risk level associated with travel to a particular destination by checking the Government of Canada Travel Advice and Advisories website. While the Global Affairs Canada Level 3 Travel Advisory to avoid all non-essential travel has been lifted, individual travel advisories do remain on a country-by-country basis. It is important that Canadians understand the ongoing uncertainty associated with international travel, whether that be related to the continued community transmission of COVID-19, or state of health care systems in destinations hit hard by the pandemic. 2. Understand the type, timing, cost and accessibility of required COVID testing. Every country has different requirements when it comes to the COVID tests that are needed prior to travel, and every country has different testing capacities once you are there. There are also requirements in order to return to Canada. Make sure you understand the difference between molecular PCR and rapid antigen tests, in what time period tests must be taken, the associated costs and locations where these tests are available. 3. Confirm change and cancellation flexibility with your travel service provider. Many airlines and hotels have been providing more flexibility when it comes to refunds and changes to bookings. Make sure you understand any key dates related to cancellation and changes and whether you are entitled to a refund or a future travel voucher or credit at the time of booking. 4. Buy travel insurance and understand what is covered. Make sure you have $5 million in coverage for emergency medical situations and that illness related to COVID-19 is included. Understand your entitlements for things like denied boarding in the event of a positive test and coverage related to isolation expenses. 5. Prepare required travel documentation and the format it must be presented in, for both Canada and your destination. Canadians returning home should have all required documentation loaded onto the ArriveCAN App or website. Each destination has varying requirements, so make sure you fully understand what information you need to have ready and in what format. Make sure you also take into consideration connections and any requirements in the connecting destination due to lay over or delays. 6. Take note of local public health rules prior to departure. Many destinations have measures in place such as curfews and quarantine requirements. You should also understand what the regulations are if you happen to test positive for COVID-19 in the country you are visiting. 7. Be aware of changes between booking and departure. Make sure you reconfirm all the details that were researched prior to booking, to ensure they are still accurate prior to departure. What was true when a trip was booked may not be the case by the time you are ready to travel. 8. Double check all research with the appropriate embassy or consulate. Travel at this time is complex and many factors can change quickly, so ensuring you have the most up to date and accurate information is essential. 9. Plan for extra time. From disembarkment and customs to retrieving luggage and exiting the airport, most things on the travel journey are taking longer than during preCOVID travel times. Also note the check-in and baggage drop off deadline for your flight as it may require you to arrive earlier than anticipated. 10. Stay connected. Fully unplugging while travelling is likely a thing of the past. It is important to have access to trusted, up-to-date information while travelling so you can monitor changing conditions and requirements and adapt accordingly. Bookmark the Global Affairs Canada website prior to departure and check it regularly while abroad. It is also a good idea to sign up for Registration of Canadians Abroad and stay in touch with a family or friend that has knowledge of your travel plans.