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Updated: Feb 28, 2024, 5:45am
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The Canadian Automobile Association (CAA) has nine regional clubs across Canada, including the Alberta Motor Association or AMA. For over 35 years, AMA Travel has been providing travel medical insurance to Albertans. Today, globetrotters can select one of four plans offering basic to premium coverage. A major upside to this insurance is that some plans have no age limits. However, if you’re booking some adventurous travel, this plan is probably not suited to you.
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Founded in 1926, and now with 16 agencies across Alberta, the Alberta Motor Association (AMA) is the largest travel agency in the province with almost one million members. Besides offering roadside assistance, AMA also offers comprehensive travel booking, including flights, hotels, packaged vacations and rental cars, as well as travel insurance. It’s worth noting that you must be an Alberta resident to purchase AMA Travel Insurance.
AMA is part of a federation of clubs that includes the Canadian Automobile Association (CAA) in Ontario, the American Automobile Association (AAA) in the U.S. and the Federation Internationale de l’Automobile in Quebec.
AMA Travel Insurance is underwritten by Orion Travel Insurance Company.
Here are the key types of travel insurance coverage offered in typical AMA Travel insurance plans:
AMA offers four travel insurance plans for trips outside of Canada: The Premium Medical Package, the Medical Plan, the Non-Medical Premium Package and standalone Trip Cancellation and Trip Interruption Insurance.
Premium Medical Package (medical and travel coverage): This is the most comprehensive plan offered by AMA, which includes coverage for unforeseen medical emergencies, trip cancellation and interruption, travel accident and baggage loss, damage and delay.
Emergency medical treatment includes:
Medical Plan: If you’re only worried about medical emergencies while travelling, this plan offers all of the medical coverage options of the Premium Medical Package plan and includes hospital accommodations, physician fees, lab tests, private nurses and ambulance services.
Non-Medical Premium Package: If you have medical coverage elsewhere, the Non-Medical Premium Package plan covers trip cancellation insurance, trip interruption, misconnection & delay insurance, baggage insurance and flight & travel accident insurance. You can also add Cancel for Any Other Reason insurance.
Trip Cancellation and Trip Interruption: This coverage provides reimbursement if you need to cancel your trip before departure, as well as expenses such as hotels, meals and taxi fares due to an unexpected trip delay. You can also add Cancel for Any Other Reason insurance.
There’s also an option for Family Coverage that covers you, your spouse and child(ren) if you’re travelling together. AMA Travel takes the age of the oldest person on the plan, calculates their premium and then multiplies it by 2.25. Family coverage usually offers better savings if the oldest person in the family is under age 60 and does not have any medical conditions, such as diabetes.
We’ve highlighted key benefits of AMA Travel Insurance to help you identify which plan is the best fit for you.
Here’s a comparison of the four plans to see how much maximum coverage you’ll get.
The price of an AMA Travel Insurance plan depends on factors such as the cost of your trip, your age and the amount of coverage you choose.
Here are some examples of the cost for AMA Travel Insurance single trip plans for healthy travellers based in Alberta. AMA members get 10% off of travel medical insurance.
With your emergency medical coverage you can also add an optional deductible, or the amount you will pay out of pocket before your coverage kicks in, to lower the cost of your premium by up to 45%.
Emergency medical: $5 million Cancel For Any Reason: No Baggage insurance (maximum): $1,000, $3,000
Related: World Nomads Travel Insurance Review
Emergency medical: $10 million Cancel For Any Reason: No Baggage insurance (maximum): $1,000
Related: Manulife Financial CoverMe Travel Insurance Review
Emergency medical: $5 million Cancel For Any Reason: No Baggage insurance (maximum): $1,500
Related: Blue Cross Travel Insurance Review
AMA Travel offers the following optional riders or add-ons:
AMA members get 10% off of travel medical insurance and BounceBack insurance. The discount does not apply to premium plans or trip cancellation, interruption or delay insurance, or rental vehicle damage insurance.
Here’s an example for the Medical only plan:
Yes. You can buy multi-trip insurance if you travel more than once a year for multiple individual trips. AMA Travel’s Multi-Trip Annual Plans offer medical only coverage for four, eight, 15, 30 or 60 days and premium medical + travel coverage for nine, 16 or 30 days per trip. If you stay longer than the number of days you purchased, you can purchase a top-up. Multi-trip premium insurance is not available for travellers over age 59.
Here’s how the prices between single trip and multi-trip insurance compare:
AMA Assistance is available 24/7, 365 days of the year and can help you when you’re faced with an emergency. Support includes:
When you call AMA Assistance, you’ll need to provide your name, policy number, your location and the nature of your emergency.
If you don’t contact AMA Assistance before receiving medical treatment, you may be limited to reimbursement of 80% of eligible medical expenses, to a maximum of $25,000. AMA Assistance must also approve certain benefits, such as MRIs, CAT scans, ultrasounds or biopsies, in advance. If you receive treatment prior to approval, you may be reimbursed on the basis of “reasonable and customary charges” that may be different from the actual charges.
Your standard trip cancellation insurance with AMA Travel covers 36 unexpected situations that could cause your trip to be cancelled before you leave. These include:
AMA Travel also offers Cancel For Any Other Reason insurance that allows you to cancel up to three hours before departure and receive a 50% refund, if you purchase your travel arrangements with AMA Travel, CAA Travel or amatravel.ca and purchase the policy within 72 hours of booking that trip.
While trip cancellation covers any issues that happen before you leave, trip interruption covers issues once you’ve already left home.
Trip interruption insurance covers issues, such as:
AMA Travel also offers Interruption For Any Other Reason insurance up to $2,500, that covers you for any reason outside of your policy to the following limits:
These benefits kick in only if your trip is interrupted 48 hours or more after your arrival.
For travellers under age 59, AMA Travel will not pay any claims due to any sickness, injury or medical condition that is not stable in the three months before your departure date (and for travellers age 70 to 84, your condition must be stable for six months), unless you purchase the Pre-Existing Medical Condition rider that reduces the waiting period to seven days and covers to a maximum of $200,000.
For travellers under age 59 and under, AMA Travel will also not cover any lung condition if in the three months prior to your departure date you received treatment with prednisone. For travellers aged 69 and under, the time period is three months before your effective date and for travellers aged 70 to 84, the time period is six months before your effective date.
If you’re concerned about a pre-existing condition, you can purchase the Pre-Existing Conditions Rider on any emergency medical plan and reduce your stability period to seven days. Under this coverage, you’ll be reimbursed for a maximum of $200,000 for eligible hospital and medical expenses for sickness or injury due to a pre-existing medical condition.
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 only to be told you’re on the hook for all associated costs. The following are some of the most common issues not covered by travel insurance:
If any of the following conditions or situations applies, you will be considered ineligible for any coverage under a policy with AMA Travel, except for rental vehicle damage insurance:
You can file a claim online 24/7 by visiting the AMA Travel website and accessing the appropriate claim form(s). Depending on the kind of claim, you will also need to provide supporting documentation.
For example, for accidental dental expenses you will need to provide an accident report from the physician or dentist. For a Trip Cancellation claim due to medical reasons, you’ll need to provide a medical certificate by your doctor stating why travel was not possible as well as your entire medical file.
Other documentation may include:
Does ama travel insurance pay for medical costs upfront.
Yes, in most cases AMA will pay hospitals, physicians and other medical providers directly. However, the insurer notes that there may be some “incidental expenses” that you will need to pay out of pocket and that you should keep your original receipts to submit for reimbursement. For example, as part of your emergency medical coverage you are entitled to a hospital allowance of up to $50 per day to a maximum of $2,000, which will be reimbursed to you as a lump sum after your release from hospital.
Yes. Emergency medical plans with AMA Travel provide coverage for COVID-19-related illnesses when Canadian government travel advisories are at Level 2 (Exercise a high degree of caution) or Level 1 (Exercise normal security precautions). AMA Travel Insurance also provides up to $2.5 million coverage if you are partially vaccinated or up to $5 million if you are fully vaccinated for COVID-related illnesses that occur when travelling during a Level 3 travel advisory (Avoid non-essential travel).
Yes. Your coverage is automatically extended for five days starting on the final day of your trip due to carrier delays, weather, vehicle breakdown or accidents. If you are hospitalized, your coverage is extended for the period of hospitalization, plus five days after discharge. You can also request an extension if you want to stay longer provided you apply before the expiry date of your policy and you haven’t made any claims or you’re not currently seeking treatment.
Yes. Travellers age 60 and over must complete a medical questionnaire that asks questions such as: Has it been more than 18 months since your last medical check-up, have you visited the emergency room more than once in the last 12 months, have you been a smoker in the last five years, have you had surgery in the last 12 months and have you received treatment or medication for cardiovascular conditions, diabetes, cancer, neurological conditions or respiratory conditions?
If it’s discovered that you did not answer the questions truthfully or there are any errors, you’ll be responsible for the first $5,000 of any claim and the additional premium required will be evaluated on the accurate answers.
Yes. The single trip premium package (that includes medical and trip coverage) is available to travellers age 84 and under. The medical only plan, non-medical premium package and trip cancellation and trip interruption plan have no maximum age.
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 interruption coverage, if purchased, begins when you leave home. Your delay coverage begins once an insured risk prevents you from returning home as scheduled.
Single trip medical plans and top-ups are fully refundable before the effective date. Partial refunds are possible as long as there is no claim made on the policy and you can provide proof of early return.
Yes. AMA Travel offers a 10-day “Right To Examine” period where you can review and cancel your policy within 10 days of purchase if you have not already left for your trip and there is no claim in progress, or that you haven’t experienced a potentially covered event (such as becoming sick).
No. AMA Travel does not insure or reimburse the monetary value of any travel costs that have been booked and paid for with points, miles or any other travel rewards program.
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.
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