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Budget travel hacks for an affordable vacation

Want to save some dollars when you go on a holiday? Here are a ton of budget-friendly travel hacks to keep the vacation costs low and the fun levels high.

Before you book

If you’re planning a trip but it’s not booked yet, here are a few things to consider to keep your travel costs low and save a few extra dollars to spend at your destination.

• Make a budget. If you’re feeling really organized, make a travel budget to find out how much you need (or don’t want) to spend on your vacation. Use online tools like our BCAA TripTik®, Trip Planner  and Budget Your Trip to plan your getaway and find daily cost estimates for your destination.
• Fly into regional airports. By searching for flights at smaller airports, you may find cheaper airfare and parking – and spend less time in check-in and security lines.
• Fly midweek. Flights tend to be cheaper and less busy between Monday and Thursday. Book departure dates midweek and avoid weekend prices and long lineups.

Packing hacks

Do you really need to pay more to check in that extra suitcase? Pack smart and save on the high costs of check-in luggage .

• Use packing cubes. These handy organizers maximize your suitcase space, making it easier to stuff more into your luggage. Bonus: you can use packing cubes to separate clean and dry clothes from wet and dirty ones.
• Roll your clothes. Don’t fold your clothes, roll them. This saves space and reduces wrinkles. Be a next-level space saver by rolling up your socks and undergarments and tucking them inside your shoes!

• Wear bulky clothes. Bringing a thick sweater, hoodie or heavy jacket? Don’t pack it, wear it, so you can save space in your luggage. The ultimate travel garment may well be the cleverly-designed multi-pocket jacket , vest or pants, if you don’t mind wearing all your possessions. Their slogan: “It’s not rocket science, it’s pocket science.”
• Make the most of carry-on rules . Research your airline’s carry-on baggage rules to see how much you can carry aboard the plane. Often a second, smaller piece of hand luggage is allowed. Not only does this save on fees, but you’re saving time waiting at a luggage carousel.
• Don’t pack things you can get for good value on holiday. Your hotel usually has towels and toiletries, or you could buy items (like shampoo and conditioner) when you get there.
• Protect your valuables. Can you imagine the cost of replacing everything in your luggage if your suitcase went missing? Cover yourself for lost baggage up to $1,500 (or $3,000 for the family) and more with BCAA Trip Protection Coverage.

Travel cheaply

We all love retail therapy to use up time at airports but travel days can get expensive. Keep your travel day costs down by:

• Bring a reusable water bottle. Save money (and plastic) by buying a bottle that you’ll use again and again – here are the 15 best travel water bottles for any trip. Remember, you can’t take water through security so drink up and fill your bottle again at the gate.
• Pack your own snacks and meals. Before you go, pack enough snacks to get you through each airport and flight. A snack plan is an affordable way to satisfy your hunger on busy travel days. Plan well, and you won’t be tempted to blow your budget on pricey airport meals. Here are 10 airport friendly snacks to make before you fly and that won’t use up too much bag space.
• Take a trip to the dollar store. Before you fly, do a dollar store run to load up on budget-friendly travel essentials. Dollar stores sell travel-size items like sunscreen, aloe vera and first aid kits at cheaper prices than you’ll pay in convenience stores or airport shops. Here are 40+ must-have travel essentials you can find in your local dollar store.
• Download books and podcasts. Instead of buying books or magazines at the airport, download e-books or podcasts onto your electronic device. You’ll save money and keep yourself entertained, without carrying a bulky stack of novels to the resort (especially those heavy hardcovers and 1,000-page paperbacks). Here are the best-reviewed e-readers for your next holiday .
• Save on roaming data charges with a prepaid SIM card. To avoid paying budget-killing roaming charges, buy a prepaid SIM card at your destination. You’ll get local data and call services at more affordable rates, so you can stay connected without breaking the bank.
• Research how to cheaply get to your hotel. You don’t just want to know where you’re going, you want to know how you’re going to get there. Look up the transit options to find affordable and convenient ways to reach your hotel. Often, you can save money on transportation by taking the metro/subway, a local beach bus, or a hotel shuttle. These can be just as easy, and often cheaper than taking a taxi or ride-share.

Save money at your destination

When you’re in vacay mode, it’s easy to get carried away. But a little prep before you head to your destination can be very friendly on the wallet.

• Research free and cheap activities at your destination. Look for free or low-cost attractions. These include beaches, museums, art galleries, libraries , national or state parks, lookout points with scenic views, hikes, free street parties/events, art or architecture tours, or free walking tours . You can even create your own tours based on movie locations that were filmed at your destination.
• Get some local currency before you go. Avoid steep exchange rates and fees by buying some local currency before your trip (you can get local currency at most major banks). It’s always smart to have cash on hand for immediate expenses (taxis, transit, tips) when you arrive.
• Visit car rental websites that let you compare pricing. Don’t just rent a car from the first rental company you find. Visit a car rental search engine to compare deals on rental cars. You’ll quickly find the most affordable options. Once you’ve found the cheapest options, compare those results with the rental car company itself. You may get a discount if you have a loyalty program membership.
• Excursion shop. Already decided on the perfect day trip? Instead of booking with the first tour company you find, price shop with different providers. A little research doesn’t take long and you’ll get the best bang for your buck.
• Cook like a local. Book accommodations that come with a kitchen, so you can eat some meals in. Preparing simple meals, snacks and drinks with ingredients from local grocery stores and markets can be a great way to experience the culture by eating just like the locals.

Protect your trip with travel insurance

Your biggest saving of all may be having peace of mind by protecting you and your vacation with BCAA Travel Insurance . Remember to pack BC’s Top Choice for Travel Insurance*, and you can get optional trip protection coverage, comprehensive emergency medical coverage including 24/7 Virtual Care and FREE coverage for kids – and potentially save big on unexpected hospital bills or flight cancellations.

BCAA Travel Insurance offers affordable and flexible coverage for individuals and families – whether it’s in BC, a quick getaway across the border or your dream vacation abroad. Get a quote today.

*BCAA was chosen as the #1 Most Trusted Insurance Brand by British Columbia participants in the 2023 Gustavson Brand Trust Index.

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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.

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Things to Do in Monino, Russia - Monino Attractions

Things to do in monino.

• 5.0 of 5 bubbles
• Good for Kids
• Budget-friendly
• Hidden Gems
• Good for Big Groups
• Adventurous
• Good for a Rainy Day
• Good for Couples
• Honeymoon spot
• Good for Adrenaline Seekers
• Things to do ranked using Tripadvisor data including reviews, ratings, photos, and popularity.

1. The Central Air Force Museum

2. Church of St. George