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From Manitoba? Here’s What You Need To Know About Travel Insurance

Akari Digital — Tue, 03 May 2022 14:31:36 +0000

Travel Insurance

From Manitoba? Here’s What You Need To Know About Travel Insurance

May 3, 2022

Updated: January 7, 2024

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We’ll admit it: Travel insurance is complicated. And, it’s not exactly fun to figure out. Especially when you have to interrupt your beach-themed daydreams to research it.

So now that we’re in the thick of another Manitoba winter, it makes sense that the question we’re being asked the most right now is:

“What do I need to know about travel insurance?!”

In this post, we channel that super-confident Speedo guy on the beach and put it all out there. (There’s always one Speedo guy, right?)

Consider this your one-stop shop for everything you need to know about travel insurance as a very, very cold Manitoban.

What To Know About Travel Insurance as a Manitoban

Buying travel insurance should always be part of your vacation planning checklist. Sure, you may already be partially covered through your employers’ group benefits plan or credit card, but this coverage is often not enough. So what’s a travel-loving Manitoban to do?

We know buying travel insurance can be overwhelming, especially when you’re trying to decide if you actually need it. Don’t worry; we’ve done the work for you! We’ve chatted, checked, and created a list of six things every Manitoban needs to know before they head out on their next trip. So you can get back to choosing if you want an ocean or jungle view.

Travel Directly To The Info You Need Most

Basic Travel Insurance: What It Covers & What It Doesn’t
Why Travel Insurance on Credit Cards Isn’t Enough
When To Buy Travel Insurance
Insurance For Manitobans Travelling Within Canada
Get The Best Policy: Travel Insurance Tips and Tricks
Tips For Buying Travel Insurance as a Manitoban

Have other questions? Read the answers to our travel insurance FAQs.

Basic Travel Insurance: What It Covers & What It Doesn’t

All Manitobans need basic travel insurance, but depending on your health, your itinerary, and your idea of holiday fun, you may want to look into extended insurance, too.

Basic travel health insurance plans only cover emergency medical expenses. That means pre-existing or chronic conditions aren’t covered. Neither are trip-related issues like cancellation and lost baggage. Think of these plans as a carry-on suitcase: they’re cheaper, but they’ll only take you so far.

That’s why, if you’re opting for basic insurance, we recommend that people opt for these travel insurance add-ons:

Emergency medical coverage
Baggage insurance
Trip interruption and cancellation coverage
Extreme sports and activities coverage

Extended travel health insurance plans are more like a checked bag. It’s got everything you know you need to have plus a few things you want to have for peace of mind. (Like the backup hair dryer you pack just in case the one at the hotel is no good.)

This much more extensive plan covers things like:

Trip interruption/cancellation
Accidental death & dismemberment
Baggage insurance
Rental car insurance
Insurance for sports & activities

…and more, depending on which policy you get and which add-ons you choose.

Why Travel Insurance on Credit Cards Isn’t Enough

Sure, most credit cards offer some form of travel insurance, but often, it’s just not enough. Be sure to read your policy details in depth before you take off, and as you do, be wary of the limitations and maximums of the coverage your card offers. There may be exclusions or fine print that, if missed, can leave you without the reimbursement you need.

Bottom line: While it’s great to have a credit card that offers travel insurance benefits, be sure you know and understand what it covers and get additional insurance to fill in the gaps!

When To Buy Travel Insurance

Travel insurance must be purchased BEFORE you leave on your trip. Even 30 minutes before while you’re driving to the airport will work! Once your plane goes wheels up or you drive over a border, sadly, it’s too late (in most cases) to get insured. Doing your research and buying early can help you truly unplug during your time away!

Travel Health Insurance Start & End Dates

No matter what plan you choose, you’ll want to make sure your coverage extends the whole duration of your trip, including the day you leave and the day you come home.

To find the policy that fits you as well as that brand new outfit you bought for your trip—one that considers any coverage you already have, where you’re going, and what you’ll be doing—get in touch with us! We’ll help you sort out your options and make the best choice.

Insurance For Manitobans Travelling Within Canada

There’s no doubt that we’re lucky to have access to a universal healthcare system in Canada. We can rest easy knowing that most of the illness or injury expenses we incur while visiting another province would still be covered under our provincial health plans. But many travellers are surprised to learn that our public health system doesn’t cover everything that happens to us—or everywhere we go.

Certain prescription drugs, dental emergencies, and even ambulance services aren’t always covered and could cost you a pretty penny if you need them. For this reason, even if you’re just traveling within Canada, we recommend buying an additional travel insurance plan!

Get The Best Policy: Travel Insurance Tips and Tricks

Want to get the best policy at the best price?

Make sure you’re covered for the entire duration of your trip.
Purchase your insurance before you hop on a plane or cross a border.
Buy from an Insurance Broker. They’ll help you shop around!
Know the exclusions and limitations on your coverage before relying on your employer’s health plan or credit card. (These plans often have big coverage gaps!)

Tips For Buying Travel Insurance as a Manitoban

Traveling soon? Keep these tips for getting travel insurance in mind:

#1 Cover Your Whole Trip

Make sure to purchase coverage for the entire duration of your trip. This way, you’ll be covered right up until you get home. Remember, you can usually extend your coverage once you are away. If you need to do this, be sure to extend it before your coverage runs out.

#2 Purchase Before You Go

Once you leave the country, most insurance companies can no longer offer you travel insurance for your trip. Make sure getting travel insurance is on your pre-trip checklist so you know you have the protection you need.

#3 Don’t Settle for Basic Insurance

Unless you’re certain it’s enough for you, don’t settle for a basic travel health insurance plan. Discuss where you plan to go and what you plan to do while you’re there with your Insurance Consultant who will help you make sure you’ve got all the coverage you need.

#4 Don’t Rely On Credit Card or Group Insurance

Your employer’s group insurance package or your credit card travel insurance may offer travel insurance, but don’t just assume it will be enough. Read the fine print and look specifically for limitations and exclusions so you’re never surprised by insufficient coverage.

This rings true for other types of insurance as well. Don’t assume that because you are young and healthy or because you have coverage through another source– like your work or spouse– that you are covered.

If you’re young and don’t hold your own insurance outside of group plans, we recommend you check out our free Guide To Insurance For Manitobans in their 20s and 30s and start to familiarize yourself with the insurance options you have. Insurance is the cheapest and easiest to get when you’re young, so what are you waiting for?

Manitoba Travel Insurance FAQs

You’ve got travel insurance questions, and we’ve got answers!

Can You Cancel A Travel Insurance Policy?

You sure can! If you come back early or end up not going, you can cancel the policy. Just be aware that you may or may not receive a refund for any premiums already paid, so best to ask before booking.

Do Manitobans Need Insurance For Travel Trailers?

Yes, all of your vehicles and vehicular equipment need to be insured when travelling! Be sure to speak with an Insurance Consultant about your specific needs, and they’ll set you up with the appropriate coverage.

Can You Buy Travel Insurance When You’re Already Abroad?

Unfortunately, it is very unlikely that you’ll be able to purchase travel insurance once you’ve left home. However, you are usually able to extend the coverage you’ve already purchased if your trip ends up being longer than you planned for. Every policy and insurance company is different though, so just make sure to ask about this while buying your travel insurance.

Can You Buy Travel Insurance At The Airport?

It’s relatively easy to purchase travel insurance nowadays. There are websites you can access wherever you have data and wifi and even travel insurance companies inside airports. So long as you haven’t started your trip, you can buy insurance at the airport! That said, we recommend making your airport check-in easier by having your insurance purchased in advance.

How Much Is Travel Insurance In Canada?

The amount you pay will depend on:

The duration of your trip
The country or countries you’re visiting
The type of policy you’re getting
Your travel plans (participating in extreme sports like SCUBA could cost you more)
Your age

But with all of that said, a 7-day comprehensive plan for a healthy, 40-year-old person typically costs around $50.

Where Is The Best Place To Get Travel Insurance?

Wondering where to get travel insurance? The best place to buy is always through an Insurance Broker (like us!).

Brokers represent you, not the insurance companies. So we can:

Make sure you have the right amount of coverage
Help you shop around for the best policy and price
Answer questions you have along the way
Help if you need to claim your insurance

Booking The Trip? Get The Insurance!

Ready to get this to-do off your list? Get in touch with us!

We’ll answer your questions, address your concerns, and help make sure you have the protection you need for your trip.

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A Complete Guide To Winter Sports & Ski Holiday Insurance for Manitobans

Akari Digital — Fri, 24 Dec 2021 18:35:50 +0000

Travel Insurance

A Complete Guide To Winter Sports & Ski Holiday Insurance for Manitobans

December 24, 2021

Updated: January 6, 2024

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If you travel out of the province without the right travel health insurance, you could be on the hook to pay hundreds or thousands in medical costs out of pocket. Which would make even the best ski trip go downhill way too fast.

Getting the right insurance can help you avoid these financial hurdles.

In this post, we fill you in on what ski holiday insurance is, how it works, and why you should always purchase travel insurance before you leave Manitoba.

Does Skiing Holiday Insurance Exist? And What Does It Cover?

In short, no, ski holiday insurance doesn’t exist. At least, not in Manitoba.

You’ll need to buy basic travel health insurance plus a few key insurance add-ons to make sure you have the coverage you need.

Standard Travel Health Insurance Coverage for Manitobans

Basic travel insurance plans protect you from having to pay out of pocket if you get hurt or sick while skiing outside of Manitoba. This standard coverage includes all of the usual hospital or medical expenses you would expect to incur following an emergency illness or accident. Expenses that, without insurance, you would have to pay out of pocket.

The basic version of travel medical insurance plans include:

Hospital & Medical Services Coverage: You’ll be covered for hospital services, paramedical assistance services, any drugs or medicines you need, medical appliances, any child care you require during hospitalization, private-duty nursing, eyeglass and contact lens replacement, and, you’ll receive a hospital in-patient allowance.
Boarding & Lodging Coverage: Any required boarding or lodging, like in-patient hospitalization, will be covered.
Transportation Benefits: If you require ambulance services, a dependent escort, an emergency remote evacuation, a medical evacuation or air ambulance services, or if you need your personal items returned home for you, you’ll be covered. Transportation benefits also cover repatriation if a person is deceased while traveling, as well as any return of pet/vet charges, return of vehicle, and any required transportation to identify a deceased person.
Emergency Dental Care Coverage: Basic travel insurance will cover any accidental or emergency dental care while away. (Hockey players, rejoice!)
Automatic Extensions: Basic travel insurance also grants you access to automatic extensions—but only for covered circumstances. Check with your Insurance Consultant when purchasing your plan to make sure you’re getting all the coverage that you need based on your specific circumstances.

Because it covers all of the above, basic travel insurance is essential. But for skiers—and all other winter sports enthusiasts who open themselves up to more risk—it’s often not enough.

Does Travel Health Insurance Cover Skiing?

Simply put, no. Your basic travel health insurance will not sufficiently cover skiing or a ski holiday (but there are travel insurance add-ons and extensions that will!). Other things that basic travel insurance does not cover include:

Abuse of Alcohol, Drugs or Intoxicants
Charges for Travelling Time
Continuing Health Care
Driving While Impaired
Expected Medical Treatments
Flight Accidents
High-Risk Sports and Sports Activities

Does Travel Health Insurance Cover Backcountry Skiing?

Sorry, this is another no. When insurance companies say they won’t cover “high-risk sports,” that includes “participating in, training, or practicing in any areas that have been closed off to public access or can only be accessed by crossing a fenced, gated, or roped-off area that has been marked as off-limited according to safety authorities”.

That means no backcountry skiing and snowboarding, no downhill freestyle skiing and snowboarding (even if organized competitions), no high-risk snowmobiling, and no ice climbing, mountaineering, or rock climbing. (Even if you’re playing the sport professionally!)

This might all feel like a major letdown—but thankfully these sports are only off-limits insurance-wise if you have basic travel insurance. There are plenty of travel insurance add-ons and extensions that will give you the coverage you need!

The Best Insurance Add-Ons for Skiing Holidays

Even though basic travel health insurance won’t cover skiing, backcountry skiing, and other high-risk winter sports, there are travel insurance add-ons and extensions that will. So for a few extra dollars, you can still get the coverage you need.

These are the insurance add-ons we recommend for you and your family (if you’re traveling with them):

#1 Sports & Activities Insurance

If you’re a winter sports enthusiast, we can’t recommend the Sports & Activities travel insurance extension enough! It covers those higher-risk sports, including:

Backcountry skiing/snowboarding
Ice climbing
Mountaineering
Rock climbing
Downhill freestyle skiing/snowboarding in organized competitions
Downhill mountain biking
High-risk snowmobiling
Motorized speed contests
Skydiving

Just remember that this coverage only applies if your medical expenses result from an emergency that occurs after coverage begins (including after any waiting periods). And, that emergency must have taken place while you were travelling outside of your province or territory of residence. That means if you have a pre-existing or chronic condition, or if you get sick or injured before your coverage is locked in, you won’t receive financial support.

#2 Extreme Sports Insurance

“Basic” sports refers to any recreational activity or traditional sports, and these types of activities are almost always covered by basic insurance. But if you’re someone who engages in extreme sports regularly or while traveling, you could benefit from extreme sports insurance.

“Extreme sports” refers to any sporting or recreational activity that lies outside the normal rules or limits of traditional sports. It can also refer to an activity that’s made extreme or dangerous by modifying equipment and locales, or where there’s a high probability of physical danger, or risk of injury or death, as a result of participation. If you like taking extreme risks, you won’t want to pass up extreme sports coverage.

#3 Trip Cancellation & Interruption Insuranced

Winter trips can be cancelled, postponed, or derailed for all kinds of reasons. There are the big ones, like pandemics, and the smaller ones, like bad snow conditions. If you think you may want to reserve your right to cancel or reschedule your winter holiday or ski trip, then you may want to invest in Trip Cancellation or Interruption Insurance.

Trip Cancellation Insurance is a pre-departure benefit that can reimburse 100% of your trip costs if you need to cancel your trip for a covered reason. (The most common covered reason is unforeseen illness, injury, or death of the traveler, a traveling companion, or a non-traveling family member.)

Trip Interruption Insurance covers the costs of travel plans being unexpectedly cut short, where the traveler must return home. It also covers you if an unexpected interruption, like a major weather event, forces you to stay at your destination longer than you’d originally planned.

#4 Family Ski Holiday Insurance

Okay, so this one isn’t an add-on you can buy. It’s just a reminder from us to add these travel insurance extensions to ALL your family member’s plans. We’ve seen it all and we can tell you for sure that nothing ruins a family ski holiday faster than an uninsured accident.

Manitoba Winter Sport & Ski Insurance FAQs

If I get hurt playing a winter sport like skiing, am I covered?

Yes! Basic travel health insurance covers you in most emergency medical situations while traveling. So whether you break an arm or leg skiing, you fall and break your hip on the ice, you contract an illness or a disease, or you break a tooth, you’ll be protected financially.

If something happens and I have to cancel my holiday, am I covered?

Not under regular travel insurance. Trip interruption and cancellation insurance is not included with standard travel insurance. However, you can buy Trip Cancellation Insurance, Trip Interruption Insurance, or Cancel Anytime Insurance, which would cover you in these scenarios. Just be aware that there are time limits around when these add-ons can be purchased. Typically, you need to purchase within 72 hours of your first travel insurance payment.

If my airline or the country I plan to visit cancels my holiday, am I covered for hotels, lift tickets, etc.?

If you purchased Trip Cancellation insurance before your trip, then yes, you could submit a claim to be reimbursed for costs like hotels and lift tickets. Simply contact your travel insurance company or broker who will support you in claiming your Trip Cancellation insurance.

What if after I go, something happens and I need a new flight back?

If you purchased Trip Interruption Insurance before your trip, then yes! You could claim the additional travel expense through that policy.

What if I get there, but my ski equipment doesn’t, and I need to rent for the trip?

Same as above, if you purchased Trip Interruption insurance before your trip, you could claim the additional costs that way!

How much is winter sports insurance?

It depends on your history, your travel plans, and how many risks you plan to take and need coverage for. Most plans fall between $50 and $100, but it’s hard to say for certain. Click here to get a free quote based on your plans.

How To Use Your Ski Travel Insurance

Once you’ve secured your travel insurance, If you’re visiting another Canadian province or territory and need hospital or medical care, all you’ll need to do is show your Manitoba Health Card. In most cases, the doctor and hospital bills will be sent directly to Manitoba Health and/or Seniors Care for processing.

If you’re admitted on an emergency basis to a hospital outside of Canada, Manitoba Health and/or Seniors Care will pay for the services you need based on established daily rates established in Manitoba. If you need to make a claim, the doctor or hospital bills you for the outstanding premiums. If your claim is approved, you’ll be reimbursed when you get home.

Some Risks Are Worth Taking. Traveling Without Insurance Isn’t One Of Them.

We’re all for taking calculated risks on the slopes. When it comes to your finances and your health and well-being? Not so much!

If you’re Manitoban and you plan to travel for winter sports or skiing this season, we can help you get covered.

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A Guide to Extreme Sports Travel Insurance for Manitobans

Honest Agency — Thu, 25 Feb 2021 19:10:41 +0000

Travel Insurance

A Guide to Extreme Sports Travel Insurance for Manitobans

February 25, 2021

Updated: October 21, 2023

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An extreme sport is any sport that involves a certain amount of inherent risk or a particularly high rate of injury. They usually involve speed, specialized equipment, stunts, or physical contact.

And while the word “extreme” might make you think these sports aren’t your thing, you could be wrong! Most of us have tried an extreme sport—like scuba diving and or ziplining—on vacation. Or, at least, we want to!

Within Manitoba, if you practice or play these sports and get hurt, your Manitoba Health Plan will cover you. But when you’re away? You’re vulnerable. Most plans don’t cover these sports without you intentionally seeking out additional coverage. So if you get hurt while participating, even if you have basic travel insurance, you could end up footing the bill.

Whether you’re a true extreme athlete or just a vacation thrill-seeker, it’s worth putting high-risk sport insurance on your radar. In this post, you’ll learn all the most-know info—and have tons of opportunities to get a free quote if you need one. Like right now!

Already know you need Extreme Sport Travel Insurance?

How Extreme Sports Travel Insurance Coverage Works in Canada

Most insurance companies offer enhanced Extreme Sports, Adventure Sports, and Sport and Activities Coverages as an optional travel insurance add-on. With this specialized coverage in place, you can rest easy knowing that your insurance company will pay any reasonable and customary charges for medical-related expenses (up to the maximum coverage limit).

This can include a critical, sudden, or unexpected emergency medical condition or injury that happens while you are participating in, or training or practicing for, the sport or activity you’re covered for.

Considerations When Buying Extreme Sports Insurance

It’s important to remember there may be specific clauses that apply in order for your coverage to be valid. Some details that could affect your coverage include:

Possessing recognized certifications (For scuba diving, a dive certificate is required)
An activity’s level of difficulty (For rock climbing, only Class 1–3 climbs in Yosemite Decimal System could be covered)
Practicing a sport on marked trails (Skiing and mountain biking coverage only applies if you stay on marked trails)

Which Sports Are Considered “Extreme”

Standard or basic sports are any activities people engage in during regular, daily life. Things like getting a few friends together to play hockey, joining a soccer team, or playing football all count because they don’t involve particularly high levels of risk. Anything above and beyond that could be considered extreme by your insurance company.

Extreme Summer Sports

Extreme summer sports are played when the weather is warmer, the days are longer, and all you need to wear is a t-shirt, shorts, sunscreen, and the proper protective gear.

Think extreme activities and sports like:

Waterfall kayaking
Wingsuit flying
Rodeo
Bull riding/fighting
BASE jumping
Hanging gliding
Bungee jumping
Zip-lining
Scuba diving

Extreme Winter Sports

Winter sports typically rely on snow, ice, and those bitter-cold, negative temperatures that true Manitobans fully embrace!

They’re extreme activities and sports like:

High-risk snowmobiling
Snow kiting
Ice yachting
Snow kayaking
SnoCross
Shovel racing

What Your Extreme Sports Insurance Policy Covers

Because extreme and adventure sports are not always covered by standard health, life, and travel insurance, if they’re part of your life—while you’re at home or on vacation—you’ll want to look into insurance extension options that you can add-on to a more basic plan.

What specifically is covered in extreme sports insurance plans varies by insurance company, but many will offer Adventure Sports Insurance, Extreme Sports Insurance, and Sports and Activities coverage as add-ons.

Make Sure You Have All The Right Coverage

You may be an extreme risk taker when it comes to your activities, but we recommend you play it safe when it comes to your coverage.

If you’re in your 20s or 30s and are just starting to think about insurance beyond what you may have gotten from work/ your province, we recommend downloading our free Guide To Insurance For Manitobans in their 20s and 30s. In this simple, easy-to-read guide, we break down all the insurance policies that we recommend you take advantage of while your young and healthy.

Just like you wouldn’t jump on your bike without your helmet, don’t jump into life without the proper coverage.

Adventure Sports Insurance

Adventure Sports and Extreme Sports Insurance options always cover a predetermined list of high-risk activities and sports, but each insurer will have its own list, so it will be important that you specifically ask if your favourite sports are covered by the insurers you speak to. That said, here are some examples of extreme sports insurance options and the sports they cover!

Adventure Sports Insurance gives you coverage to the policy limit for sports like:

Backcountry ski/snowboarding
Boxing
Downhill freestyle ski/snowboarding in organized competitions
Ice climbing
Mixed martial arts
Mountaineering
Rock climbing
Downhill mountain biking

Extreme Sports Insurance

This plan will cover you for up to $500,000 for the following extreme sports:

BASE jumping
Hang gliding/paragliding
High-risk snowmobiling
Motorized speed contests
Parachuting/skydiving/tandem skydiving
Scuba diving or freediving (over 40 metres)
White water sports – Class VI
Wingsuit flying

Sports & Activities Insurance

This plan will cover any “reasonable and customary expenses” for medical and related expenses up to your coverage limits for an emergency, sports-related medical condition. (As long as the sport is included on their list of covered activities!)

Activities that are typically included are:

Backcountry skiing and snowboarding
Ice climbing
Mountaineering
Rock climbing
Downhill freestyle skiing and snowboarding in organized competitions
Downhill mountain biking
High-risk snowmobiling
Motorized speed contests
Skydiving

Just know that the charges they pay for must be the result of an emergency that happens after your coverage begins—not an existing or chronic condition—and must happen outside of your home province or country.

Finding The Right Insurance Coverage

Not all extreme sports insurance options are the same. Sometimes one insurance company covers your sport, while another does not! And, sometimes the right coverage depends on where you’ll be playing your sport. Before you buy a policy, explain your specific extreme sport plans and circumstances to an Insurance Consultant, so they can make sure you have the exact coverage you need.

Extreme Sports Insurance Within Manitoba & Canada

The right extreme sports coverage within Canada all depends on what kind of insurance protection you have, and what you’re looking to protect. Typically, when accidents happen in Canada and you require medical attention, you’ll be covered under the Manitoba Health Plan. If you have employee benefits through work or your own individual health plan, you’re also likely to get enhanced coverage. Just keep in mind that there may be exclusions in these policies that would negate coverage in these instances. It’s best to always look into all the insurance coverage you have in place before you play, so you can fill any gaps.

Canadian Travel Insurance & Extreme Sports Activity Coverage

If you have a group plan with your employer or an individual health plan, you’ll likely have coverage for out-of-country travel, but remember that there will likely be exclusions if you’re traveling to play extreme sports! Again, it’s best to look into your coverage in-detail before going. And, since there will likely be gaps, we highly recommend purchasing an extreme sports travel insurance policy that goes over-and-above your baseline health plan coverage. This way, you’ll have options to add coverage for activities that would normally be excluded under a group policy.

To find the coverage that’s right for you and the extreme sports you love to play, talk to our expert Insurance Consultants. We’re licensed to sell insurance and because we represent you (not the insurance companies), we’ll make sure you get the advice and protection you really need.

Frequently Asked Questions About Extreme Sports Travel Insurance

How does standard Travel Medical Insurance work?

In most scenarios, basic travel medical insurance reimburses you for any covered financial losses after you file a claim and that claim is approved. In other words, if you get hurt or sick while traveling, you pay for any medical bills upfront, file a claim when you get back, and then your insurer pays you back. (As long as your claim is allowed!)

Note: To file a claim, you’ll need to submit proof of your loss, so be sure you keep all necessary paperwork and evidence related to your accident.

What’s different for extreme sports-related travel?

If you have travel insurance and your sport or activity is not listed as an exclusion on your policy, you’ll be covered under the Emergency Medical Insurance plan. However, if your sport is listed as an exclusion, then it’s considered an extreme sport and won’t be covered. In that case, you’ll need to purchase additional coverage to enhance your emergency medical plan.

Is my credit card travel insurance enough if I plan on participating in extreme sports?

It depends on your credit card provider, as every company is different, but it’s very likely that extreme sports will be excluded from your credit card company’s policy. Contact your provider to learn which sport activities are covered and the limit of coverage you have access to.

Are adventure sports covered under standard Travel Insurance?

Adventure sports are only covered by travel insurance when you purchase optional coverage that gets added-on to your emergency medical plan.

What happens if you’re injured playing an extreme sport and you don’t have insurance coverage?

If you’re injured outside of Canada and you don’t have specific extreme or adventure sport insurance in place, you would have to cover any medical fees and expenses you incur out of your pocket. This means paying for everything from hospitalization to medication to ambulance transportation to treatment fees, which can get very expensive, very fast.

If I’m participating in sports as a coach or teacher do I still need Extreme Sports Travel Insurance?

If you’re coaching or teaching any extreme sports or activities but aren’t actually participating in them, you don’t need to purchase additional insurance. Your standard travel insurance will be sufficient.

Let’s Get You Covered!

As insurance brokers, we work with a variety of different insurance companies that each offer unique adventure and extreme sports insurance options. To secure the best one for you, get in touch with us. We’ll assign an Insurance Consultant to review your unique needs, and match you up with the best protection for your situation!

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