caa travel insurance policy guide

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Exploring Travel Insurance: Your guide to heading south

As the days grow shorter and temperatures dip, many Canadians venture south and to Europe in search of sunny beaches and milder weather. This lifestyle of eternal summer requires some advance planning. Thankfully, CAA offers travel insurance that provides peace of mind for long-term travellers. Here are some commonly asked questions to help you get started!

What does travel insurance cover?

With CAA, you can choose a plan tailored to your travel requirements. CAA Travel Insurance includes emergency medical coverage 1 , trip cancellation, and trip interruption protection. If you're over 60, don't fret! CAA's pre-existing medical conditions rider* allows you to travel safely while chasing the sun. You can easily obtain a quote online in just a few simple steps or reach out to a CAA Travel Consultant.

Will my travel insurance plan cover COVID-19 related illnesses?

CAA Travel Insurance's emergency medical plans now provide up to $2.5 million CAD for partially vaccinated individuals and up to $5 million CAD for fully vaccinated individuals to cover COVID-19 related illnesses that might occur when traveling during a time when the Government of Canada has issued a Level 3 (avoid non-essential travel).

Which medical conditions affect travel insurance rates?

For individuals aged 60 and above, any medical conditions known prior to purchasing travel insurance are considered "pre-existing conditions," and you must declare them. These conditions can range from high cholesterol and diabetes to cancer. You can find more information online or speak with a CAA Travel Consultant.

Which medical conditions are not covered by insurance?

Travel insurance typically excludes routine health checkups, non-emergency care, cosmetic surgery, and non-essential therapies. Your travel insurance plan is designed to protect you in emergency situations.

Are pre-existing conditions covered?

Coverage is available for individuals with pre-existing conditions if they purchase an additional coverage option for their emergency medical plan. Pre-existing conditions are covered if your health has remained stable for 3 months or 6 months depending on your age before travelling. 2

Is a medical exam required for emergency medical insurance?

A medical exam is usually not necessary when buying travel insurance. However, travellers aged 60 and older will need to complete a medical questionnaire, which can be done online or over the phone with a CAA Travel Consultant.

How do insurance companies learn about pre-existing conditions?

Insurers typically assess the presence of pre-existing conditions based on your current health status. Being truthful on medical questionnaires ensures you receive the best coverage. Honesty is essential to ensure you're covered if you need to make a claim.

Can I use OHIP to cover out-of-country medical expenses?

While OHIP may cover some out-of-country medical expenses, it's advisable not to rely solely on OHIP. If you're traveling over the winter, especially for several weeks to months, comprehensive insurance coverage is recommended.

What travel insurance plans cover multiple trips in a year?

If you're a traveller who likes to return home periodically, you may be interested in CAA's multi-trip insurance plans. 3 These plans protect against the costs of unexpected medical emergencies for multiple individual trips, ranging from 4 to 60 days each, throughout the year. Your multi-trip plan starts each time you leave Canada, and a top-up can be purchased if you stay longer than the days included in the plan. For travel within Canada, your number of travel days is unlimited with a multi-trip plan, and a top-up is not necessary.

Can I get discounts on my travel insurance policy by purchasing through CAA?

CAA Members can save 10% 4 on CAA Travel Insurance, which can add up to significant savings, especially for extended travel. You can obtain a quote online to see how much you'll save.

Travel protected with the people you trust this winter. Go online to get a quote in a few simple steps or call 1.800.263.7272 to speak with a CAA Niagara Travel Insurance Consultant.

CAA Travel Insurance is underwritten by Orion Travel Insurance Company, a CAA Company. Certain exclusions, limitations and restrictions apply. Subject to change without notice. A Medical Questionnaire is required if you are 60 years or older to purchase travel insurance. Quotes are valid for 30 days. *All pre-existing medical conditions rider must be stable within 7 days prior to departure. Certain exclusions, limitations and restrictions apply. 1. Up to $5 million CAD. Maximum $25,000 for all Emergency Medical Insurance benefits for Canadian residents without active Government Health Insurance Plan (GHIP); and/or without GHIP authorization to cover trip days in excess of 212 days in Ontario in a 12-month period. Certain exclusions, limitations and restrictions apply. Please click here to read the policy endorsement to make sure you meet the requirements before you travel. 2. To have your pre-existing medical condition covered by your travel insurance policy, the medical condition must be stable as defined by your policy. Please see the policy at [caaniagara.ca/policy] for full details. 3. Medical Multi-Trip Plans cover 4, 8, 15, 30, or 60 days per trip depending on the plan you purchased. Top-Up coverage is available for longer trips. Coverage cannot extend beyond 365 days from departure date or effective date. 4. Applies to CAA Members in good standing (CAA Membership dues paid in full by membership expiry date). Ten percent (10%) savings applies to the total premium excluding applicable taxes. Minimum premium applies. Excludes Visitors to Canada Insurance. Subject to change without notice. ®CAA trademarks are owned by, and use is authorized by, the Canadian Automobile Association.

Tags: Travel , Travel Insurance , Insurance

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6 Tips to Choose the Right Travel Insurance for Your Next Adventure

Planning a trip is exciting and fun, but let's be real – choosing the right travel insurance can be a daunting task. With so many options and policies out there, it's easy to feel overwhelmed and confused.  

But don’t worry, fellow adventurers, because CAA has got you covered.  

In this blog, we’ll share with you 6 tips and tricks on how to choose the right travel insurance for your next adventure. So, fasten your seat belt, and let's dive in. 

1. Consider your travel needs

The first and foremost thing to keep in mind is to talk about your travel needs. It's important to consider your destination and trip duration when choosing your travel insurance.

You’ve got to figure out where you're headed and how long you'll be sticking around. Are you off to a luxurious beach resort for a week of sipping cocktails or are you hiking the Himalayas for a month?  

Moving on, it’s time to think about risk factors . No, we’re not talking about your decision to wear socks with sandals – we’re talking about things like political unrest, natural disasters, and even petty crime.  

It’s important to assess the risks associated with your destination and activities to make sure that your insurance policy provides adequate coverage for the time you’re there. 

And finally, don't forget to identify any pre-existing medical conditions that you might have. 

Sure, it might be tempting to ignore that chronic back pain or pesky allergy, but trust us, you don't want to end up in a foreign hospital without proper coverage. 

Be honest with yourself and your insurance provider about any existing medical conditions to ensure you're fully covered in the unfortunate event of a medical emergency. 

2. Shop around for the best policy

All right, let's talk about shopping around for the best travel insurance policy.

Don't just settle for the first policy you come across. Take the time to compare policies from different providers and consider important elements like coverage limits and exclusions.  

After all, choosing an insurance policy is not like choosing a snack from a vending machine, right? 🙃 

Also, while you're at it, you must also look for policy benefits that match your needs. 

Are you a thrill-seeker planning to bungee jump and skydive your way through your travels? Or maybe you're a digital nomad who’s looking for a policy that covers lost or stolen gadgets. 

But let's be real, shopping for travel insurance isn't exactly the most exciting task.  

It's like trying to find a needle in a haystack, except the needle is a good policy and the haystack is the vast expanse of the internet. So, grab a cup of coffee, take a deep breath, and start researching.  

Take the stress out of travelling. With CAA, be protected no matter where you go!    

3. Understand the different types of coverage

Let's now talk about the different types of coverage available when it comes to travel insurance. This is very important to ensure you're fully covered during your trip.

First up, we have medical and dental coverage.   

Let's face it, nobody wants to end up with a toothache in a foreign land. And if you do get sick or injured, emergency medical evacuation and repatriation coverage can be a lifesaver – literally. 

But what about all those unexpected curveballs life throws at you?  

That's where trip cancellation and interruption coverage come into play. Missed your flight due to a sudden illness or a natural disaster? Don’t worry, your policy has got you covered. 

And let's not forget about your precious belongings. Baggage and personal belongings coverage can provide peace of mind in case of theft or loss. 

And finally, for all you adrenaline junkies out there, adventure sports and activities coverage can ensure you're protected while skiing, bungee jumping, or even ziplining through the jungle.  

So, don't be afraid to live life on the edge. Just make sure you're covered while you do it. 

4. Check the policy's fine print

Moving on to the nitty-gritty details, it’s time to talk about the fine print. 

We know, we know, it's not the most exciting topic, but trust us, it's important. After all, knowledge is power, and it can save you a lot of headaches (and money) in the long run.  

Before you sign on the dotted line, take the time to review the policy wording and coverage details.  

This will give you a better understanding of what's covered and what's not. It’s important to watch out for those hidden clauses and exclusions because you wouldn’t want to be surprised. 

However, you don't have to be an expert to decipher the fine print. Just make sure you understand the claims process and requirements, and you'll be good to go. 

And hey, if you're really struggling, you can always give us a call and speak to one of our trusted CAA Insurance Consultants who have years of experience in this area and are happy to help. 😊 

5. Consider additional coverage options

We’re almost at the end of the list now (yay). Just a few more things to consider. 

If you're planning to do any high-risk activities like skydiving or bungee jumping (you crazy adventurer, you), you might want to consider adding on some extra coverage for those specific activities.  

Further, if you're bringing along any expensive items like a fancy camera or a sparkling piece of jewelry, it might be worth discussing how to get some additional coverage to protect those valuables as well. 

And finally, there’s the trip cancellation and interruption coverage for travel delays or missed flights. 

Let's face it, delays and missed connections happen, and it's better to be prepared than to be stuck sleeping at the airport (trust us, we've been there and it’s no fun). 

6. Choose a trusted insurance provider

When it comes to insurance, your cousin's best friend's uncle's neighbor who "knows a guy" is probably not your best bet. Which is why it’s very important to choose a trusted insurance provider.

So, do your research. Check out the provider's reputation and financial stability. You don't want to be stuck with a company that can't pay out your claim if something goes wrong.  

Make sure to check their credentials and don't forget to read customer reviews and testimonials.  

It's always helpful to hear from other travelers who have used the same insurance provider and can vouch for their quality of service. After all, you want to be covered by the best of the best.  

Protect yourself on your next trip with Canada's most-trusted insurance brand  

Be prepared for the unexpected with CAA Travel Insurance  

When it comes to travel, you never know what unexpected events might pop up. Hence, travel insurance becomes a must for you to enjoy your travel adventures. 

We like to think of travel insurance as a safety net. You hope you never have to use it, but it's comforting to know it's there just in case. 

With Canada’s most-trusted insurance brand, you can be prepared for anything that comes your way. 

From single-trip plans for those one-off vacations to multi-trip plans for those who love to travel more frequently, CAA Travel Insurance covers you in and out of Canada.  

So, don't miss out on this important investment. Choose a travel insurance policy that fits your needs and budget and go forth on your adventures with confidence and peace of mind. 

Safe travels!

Tags: CAA Insurance , Travel

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HelloSafe » Travel Insurance » CAA

Is CAA the best travel insurance in Canada in 2024?

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Information verified by   Alexandre Desoutter

Our articles are written by experts in their fields (finance, trading, insurance etc.) whose signatures you will see at the beginning and at the end of each article. They are also systematically reviewed and corrected before each publication, and updated regularly.

Traveling without travel insurance can lead to significant expenses. Did you know that a night at a hospital in the United States can cost over $14,000 CAD? Certain countries may even deny access if you cannot prepay for medical treatment.

So, travel insurance is essential when you're away from home. It ensures you have access to necessary healthcare and covers the costs when needed. Apart from medical emergencies, it offers assistance for flight delays and cancelations, lost luggage, and more.

If you're considering travel insurance, it's worth looking at CAA travel insurance. We've created this guide on coverage, pricing, and everything you need to know about CAA travel insurance. You can also compare it with other players using our free tool and get quick travel insurance quotes.

Our 2024 review of CAA travel insurance

CAA, or the Canadian Automobile Association is a trusted travel brand. It offers a wide range of insurance plans to fit any budget or travel plan.

Here are some CAA travel insurance pros and cons:

Why CAA could be right for you

• Membership with CAA gives a 10% discount on travel insurance packages.
• Easy to apply for coverage or file a claim online.
• Extensive coverage for emergency medical intervention.
• Enjoy 24/7 customer service
• CAA offers travel insurance plans specifically curated for the needs of seniors and snowbirds.

Why CAA may not be right for you

• Special discounts are only available to CAA members.
• CAA travel insurance requires you to answer a medical questionnaire.
• Like most insurers, CAA medical travel insurance does not - for the most part - cover pre-existing medical conditions (such as cancer for instance).

Should you be interested in CAA's plans, know that you can get a travel insurance quote with CAA directly on the insurer's website! But, before choosing CAA travel insurance, compare options and quotes. A little shopping around can help you to save money and find a coverage that really fits your needs:

Compare the best travel insurance plans on the market!

What does CAA travel insurance cover?

CAA offers excellent coverage that cuts across medical, dental, and economic benefits. Medical emergencies, travel interruptions and loss, theft or damage of personal belonging are well covered by CAA travel insurance plans. Here are the main travel insurance plans by CAA:

Good to know

The Multi-Trip Annual Vacation plan offers more all year round. Aside the medical coverage of $5 million, it offers maximum trip protection coverage of $10,000 per year, baggage protection and delay benefits reach up to $3,000 and $1,500 per policy year.

For more information on CAA international travel insurance, download the PDF below:

CAA offers extensive coverage to visitors to Canada. This covers medical intervention, compensation for travel interruption and baggage protection:

Does <strong>CAA </strong>travel insurance cover Covid-19?

CAA COVID-19 policy has been updated to cover COVID-19 related emergencies and interruptions. COVID-19 updates are regularly passed to clients to ensure safe travel.

How much does a travel insurance with  CAA  cost?

The rates of CAA travel insurance depend on multiple factors:

• Your desired coverage and otpions.
• Your deductible.
• Your waiting period. 
• The lenght of your trip.
• Your destination(s) (do you want to go to the USA, where medical expensises are high, or do you want to travel within the bordes of Canada?).

Whether you buy CAA travel insurance from Manitoba, Quebec, Ontario, Saskatchewan, Alberta, Winnipeg or anywhere else, your location doesn't influence the price of coverage. Your destination, however, will).

CAA travel insurance doesn't provide tables on its pricing. Rates are also ver dependable on your profile and needs. Therefore it will be important to get an  individual quote customized for your unique needs.

This is only indicative but, on average, travel insurance in Canada costs $25,35 per trip for a single traveller.

Before settling on CAA's travel insurance policy, we advise you shop around! You can quickly and anonymously compare prices from leading travel insurance companies using our free comparison tool below:

How does CAA travel insurance work?

How to get a caa travel insurance quote.

With a call to the following CAA travel insurance phone number 1-800-437-8541, you can purchase or request a travel plan quote from CAA.

You can also purchase a travel package directly on the website.

How to file a travel insurance claim with CAA?

CAA Insurance allows you to file your claim directly on their online CAA travel insurance portal. You can also initiate a claim by calling:

• 1-888-493-0161(from Canada and the USA)
• 1-519-988-7044 (Worldwide)

How to cancel your CAA travel insurance?

CAA travel insurance cancellation policy is similar to most travel insurers:

• You can cancel your CAA policy anytime within a few days following the purchase (10 business days on average) and get a refund as long as your trip has not started, and you have not made a claim. To proceed with the cancellation, you can connect on you CAA's members portal or call the following number: 1-800-437-8541
• If you cancel after that period, your payment may not be refunded.

How can I contact  CAA  travel insurance?

You can contact CAA travel insurance using different means of communication:

• CAA's phone number: 1-800-437-8541
• You can also log onto CAA's webstite and use their contact form.

Save up to 25% on your travel insurance with our partner soNomad

Get a quote

1-888-550-8302

Alexandre Desoutter has been working as editor-in-chief and head of press relations at HelloSafe since June 2020. A graduate of Sciences Po Grenoble, he worked as a journalist for several years in French media, and continues to collaborate as a as a contributor to several publications.

More From Forbes

Is travel insurance refundable here’s everything you need to know.

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Sometimes, travel insurance is refundable. Here's when you can get your money back.

Peter Hoagland always checks to see if his travel insurance is refundable. That's because anything can happen between the time you book your vacation and when you leave — and because travel insurance isn't always refundable.

During the pandemic, he discovered that the hard way. He had to cancel a trip and asked for his money back from the insurance company. It refused.

"Since then, I always read the fine print on the policy," he says.

The refundability of travel insurance has always been an open question. Some countries and U.S. states regulate refundability. Travel insurance companies put refundability details in the fine print of the policy. And, as Hoagland found out, there are always exceptions.

Like the pandemic, when refund policies were all over the map. Some insurance companies adhered to their published policies. Others offered a credit that could be reused within a year, which was minimally useful because the pandemic was still happening a year later. Others quietly gave their customers a refund.

Hoagland says he fought for his money. Eventually, he contacted a manager at his travel insurance company.

"That produced a quick result," he says. "I got my money back."

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But let's face it: Getting a refund for travel insurance can be difficult. There are times when insurance is always refundable because it's required by law. There are times when it's sometimes refundable. And there are times when it's almost never refundable. But even then, there may be a way to recover some — or all — of the value of your policy.

Getting a refund for travel insurance can be a challenge

If you have a travel insurance policy and would like to get a refund, it might be easier said than done, say experts.

"While travel insurance is regulated like auto and home insurance, it’s often less standardized," says Stuart Winchester, CEO of Marble, a digital wallet for your insurance. "So first off, it’s important to check the fine print of your specific policy. Don’t assume it’s like the last one you got."

Even when you have something in writing, a refund can require some serious negotiating skills.

"Getting a refund for travel insurance can be complicated and frustrating," says Peter Hamdy, the managing director of a tour operator in Auckland, New Zealand. He's asked for a refund on policies numerous times and says that despite what travel insurance companies may tell you, there are no hard-and-fast rules when it comes to getting a refund on your policy.

"Some situations can warrant a refund," he says. "It depends on your policy."

What does a typical refundability clause look like? For example, the World Explorer Guardian from Insured Nomads notes that it's refundable only during the 10-day review period from the date of delivery or 15 days from the date of delivery if mailed, provided you have not already departed on your trip and you have not incurred any claimable losses during that time. If you depart on your trip before the expiration of the review period, the review period ends and the policy can't be refunded.

"We go a bit further with our World Explorer Travel Medical plans," notes Andrew Jernigan, CEO of Insured Nomads. "If no claims have been filed then we can refund the unused portion of the policy if you cut your trip short.”

When can you get a refund for travel insurance?

Here are the most common cases where travel insurance can be refunded:

• If you cancel during the "free look" period required by the government. Most states require what's called a "free look" period of anywhere from 10 to 14 days. "During this period, travelers can review the purchase and make sure it fits their needs," explains James Nuttall, general manager of Insubuy . "If it does not, they can cancel it for any reason and get a full refund, no questions asked, so long as you haven’t departed yet.
• If you cancel during the travel insurance company grace period. Many insurance companies also have a grace period for refunds (usually, they are the same as the "free look" although some grace periods can be longer). "If you’re outside your grace period, which typically lasts one to two weeks after signing, you’re contractually obliged to pay your premiums," says David Ciccarelli, CEO of the vacation rental site Lake . "Still, it doesn’t hurt to ask your company for a refund or alternative options if you’re outside your grace window. You might not get a yes, but it could lead to some cost savings or better solutions."
• When someone else cancels your trip. "For instance, if your cruise is canceled due to low river tide, you are not at fault and would typically receive a full refund or credit for a future sailing, thus eliminating the need for the travel insurance policy," explains Rhonda Abedsalam vice president of travel insurance for AXA Assistance US.
• If you die. Typically, the policy would be refunded to your next of kin. Generally, you can also ask for a refund if your travel companion dies before your trip.

Remember, it depends on where you buy your insurance

The refundability of your insurance can depend on where you purchased it. Commercial policies bought from a cruise or tour company are generally canceled and refunded if you cancel the trip far enough in advance of your departure date.

"The travel insurance cancellation provisions are generally tied to the cancellation provisions for the cruise or tour," explains Dan Skilken, president of TripInsurance.com . "After you have paid the last deposits on the cruise and are close enough to departure that they will not provide a refund on the cruise, they generally will also not provide a refund on the travel insurance. But if you cancel early enough to get all or most of your deposit back, you will also get your travel insurance premium refunded."

If you’ve purchased retail travel insurance from a third-party provider or comparison website, you can often get a refund if you can show receipts proving that you received a full refund of all trip deposits and have not had any cancellation penalties or taken any travel credits when you canceled your trip.

That's because retail travel insurance is sold for a specific traveler and for a specific trip. If you have proof of a complete refund and have not received travel credits, then you no longer have what's called an "insurable interest" in the trip. The insurance company must cancel and refund your premium in full, says Skilken.

Insider tip: If the insurance company refuses, just tell them you have proof that you no longer have an insurable interest in the trip. You have to have an insurable interest in a trip to own a travel insurance policy.

Your agent may be able to help you get a refund

You may also be able to lean on the agent who sold you the policy. For example, all policies on Squaremouth come with a money-back guarantee.

"The purpose of this benefit is to give travelers extra time to review their policy documentation to be sure it’s the best policy for their coverage needs," says spokeswoman Jenna Hummer. At Squaremouth, the money-back period typically lasts between 10 and 14 days, which is in line with the mandated "free look" period.

However, I have also seen agents negotiate with travel insurance companies for a more generous refund period in case of extenuating circumstances. There's no guarantee that you'll get it, but it's worth asking — and one reason to work with a third party.

Agents can also help you avoid this problem. Susan Sherren, who runs Couture Trips , a travel agency, notes that American Airlines Vacation Packages offers a predeparture protection insurance plan, which allows cancellation for any reason before the outbound departing flight time. Other restrictions apply, she adds.

"More flexibility will often cost you more," she says. "But having the flexibility is a great way to sleep well at night."

Can't get a refund? Look for other kinds of flexibility from your travel insurance company

Even if your travel insurance company says no to a refund, it doesn't necessarily mean you've lost the value of your policy.

"If a travel supplier changes or cancels your trip, you should be able to change your travel insurance policy to match the new dates of your trip or even cover a new trip, sometimes up to two years into the future," says Daniel Durazo, director of external communications at Allianz Partners USA .

Pro tip: Be sure to change the dates of your travel insurance policy before the departure date of your current itinerary. You can do that online or by calling your agent. Once the policy's effective date has passed, making any changes or initiating a refund or credit becomes much more difficult.

Don't forget to do your due diligence

Bottom line: Travel insurance is refundable under certain circumstances. But knowing when can require research.

"It's important for consumers to carefully read their policy upon receipt to understand the specific terms offered by their insurance provider," says Robert Gallagher, president of the US Travel Insurance Association.

The more you know, the likelier you are to get the refund you want when your plans change.

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Sep 6, 2022

6 min. read

Are you planning to travel across the border more than once this year or to several destinations abroad?

If something happens while you’re out of the country, you’ll want to ensure you’re covered in the event of an unexpected emergency, like if you or a loved one gets sick or injured.

Coverage is important

Whether you’re sailing along the Amalfi Coast of Italy, hiking the Swiss Alps or enjoying the sun on a tropical getaway, there’s still the chance you could have a stomach ache, take a tumble or sprain an ankle. That’s why it’s crucial to have the proper travel insurance coverage.

If you’re taking a few cross-country or international trips this year and need peace of mind that you won’t be stuck with unexpected medical expenses,  CAA Travel Insurance  has the answer with the Multi-Trip Plan.

Complete protection

The plan provides coverage for multiple individual trips outside your province or territory of residence for up to four, eight, 15, 30 or 60 days each, based on your plan duration. You’ll need to return to your province or territory of residence for your next trip coverage to start again.

If you decide to stay longer, no problem—you can purchase a top-up or extension.

What’s included

The Multi-Trip Plan provides emergency medical treatment to a maximum of $5 million, including virtual emergency medical assistance and house call service for access to 24/7 treatment from medical professionals.

It also covers hospital stays, lab tests, x-rays, nursing and ground ambulance, as well as emergency dental expenses, medical repatriation and medical follow-up in Canada.

Covid-19 protection, an urgent message service and assistance with vision care, hearing aids and even pet care are included as well.

A Multi-Trip plan is perfect for frequent travellers who love the convenience of purchasing once and travelling all year.

This plan provides 365 days of coverage within Canada and includes cross-border and international travel for 4, 8, 15, 30, or 60 days per trip outside Canada—as many times as you want throughout the year.

Family coverage is available as well and CAA Members enjoy savings of 10 percent.

Adventure abroad without worry by ensuring you have the proper coverage while away.

Protect you and your trip

CAA Travel Insurance experts can help you find the most suitable coverage for your trips. For more information on the Multi-Trip Plan, click  here . Looking for alternative coverage options? Consider our other travel insurance  vacation package plans .

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Travelers is the latest California insurer to raise rates. How to find coverage in your area

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Travelers Insurance, one of California’s largest home and auto insurers, is set to increase its rates by an average of 15%, the latest in a string of rate increases and policy limitations that major insurers say is caused by wildfire risks, reinsurance costs and inflation.

Given the go-ahead by the California Department of Insurance this week, Travelers will update its rates for more than 320,000 homeowners starting June 24. It’s not immediately clear what areas in the state will see higher rates.

Michael Soller, the state Department of Insurance’s deputy commissioner for communications, said the shortage of information is “frustrating across the board.”

The department, he said, is doing its best to make sure consumers don’t pay more than they’re required. Travelers’ premium increases, he said, are completely legal under Proposition 103, the 1988 ballot measure that regulated property and casualty insurance pricing.

The average cost of homeowners insurance in the state is $1,250 per year, or about $104 per month. That’s less than the national average of $1,915, according to Nerdwallet . The average cost for a homeowner in the city of Los Angeles is $1,485 a year, or about $124 a month.

Travelers is the latest major insurer to increase rates, limit the number of new policies issued or pull out of the California market altogether — all actions that are straining the market.

In April, Tokio Marine America Insurance Co. and Trans Pacific Insurance Co. notified the insurance department that they will not renew 12,556 homeowners policies with a premium value of $11.3 million, starting July 1.

State Farm, Farmers and Allstate have limited their offerings in California by cutting back on the new policies issued or tightening underwriting standards. State Farm, for example, announced in March that it would not renew 72,000 policies. Allstate, however, has stated that once the industry-favored insurance reforms that Insurance Commissioner Ricardo Lara proposed go into effect, it will begin writing new homeowner insurance policies in the state, Soller said.

Last year, Geico removed all its in-person offices in the state and is offering policies only through the company’s website or app.

To make insurance rates “more predictable and insurance more available” in the state, Soller said the department is continuing its progress in updating its regulations.

That update could let insurers use algorithms to predict the future risk that properties face from wildfires. Lara is proposing to let insurers use catastrophe modeling when setting the price of policies. Currently, premiums are based on an insurance company’s past losses. This is one of several proposals Lara advanced in a Sustainable Insurance Strategy announced last year.

Even though insurers are making significant changes to their coverage offerings, many are still issuing new policies in California. Here is a partial list:

Farmers Insurance Group offers limited homeowners insurance policies in California, with a monthly cap at 7,000 new business policies.

Mercury is not only offering new policies and renewing existing ones, it’s also taking on customers from Tokio Marina America and its subsidiary, Trans Pacific Insurance Co. — both agencies that pulled out of the California market.

Chubb and its subsidaries, which include Federal Insurance Co., Vigilant Insurance Co. and Pacific Indemnity Co., offer and renew home policies, but with two limitations. It stopped writing high-value homes with higher wildfire risk and isn’t renewing some high-value homes.

USAA is offering new policies if the homes meet its underwriting criteria, which confine the insurer to low-risk properties.

Other insurers that continue to renew or issue new policies in the state are Auto Club of Southern California, Liberty Mutual and American Family.

When a prospective or current homeowner is having trouble finding a policy in their area, the last resort is the California FAIR Plan Assn. A state-established program funded by insurers doing business in California, its mission is to provide homeowners with an affordable policy option when the traditional market fails them.

To find which insurers are offering policies in your area, the California Department of Insurance has a “Home Insurance Finder” tool that will help you locate a provider within 5 to 75 miles of your property.

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Karen Garcia is a reporter on the Fast Break Desk, the team that has a pulse on breaking news at the Los Angeles Times. She was previously a reporter on the Utility Journalism Team, which focused on service journalism. Her previous stints include reporting for the San Luis Obispo New Times and KCBX Central Coast Public Radio.

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