Lifestyle Travel Insurance Services
Affordable specialty travel insurance for your adventure.
Why do you need travel insurance?
Many adventure and back-country sports such as sky diving, ice climbing, mountaineering, canyoneering, or back-country skiing are classified as high-risk sport activities and may not be covered by insurance. How can you ensure you have the right coverage? For travelers practicing these sports as professionals, the market becomes even tighter! As a broker with access to all carriers, we understand the policies and how the various carriers will interpret each of these activities. We can guarantee coverage for these adventures at the lowest possible cost available in Canada. Contact us today and find out how we can help protect you on your next adventure. We can customize a program that offers specific coverage at the lowest rates available. Lifestyle Travel Insurance Brokers is the preferred provider for HeliCat Canada, Guide Outfitters of BC, Wilderness Tourism Association and Backcountry Lodges of BC.
Perhaps you’ve been planning a long time for this trip or perhaps it was decided at the spur of the moment. If you’ve committed funds to a vacation, you’ll want to protect your investment in the event of an unexpected cancellation or interruption. Insure your trip for Trip Cancellation and Trip Interruption! Cancellation will insure the non-refundable travel costs before you depart. Interruption covers your lost trip and unexpected out-of-pocket costs if your trip is interrupted after you leave. What can happen? Missed connections, schedule changes, your own accident or injury, a travel companion or family member becomes ill, natural disasters, travel advisories, or even loss of employment. All of these events could cause you to cancel your trip or cause a disruption. Generally, Trip Cancellation costs about 5% of your trip cost and its worth the peace of mind.
Visitors to Canada
Vacationing in Canada? We can provide you with Emergency Medical, Evacuation and Trip Cancellation Insurance for your vacation. Medical costs are increasing in Canada for Visitors. Don’t forget if you are a Canadian citizen and have been abroad for an extended time you will need to purchase Visitors to Canada insurance while you re-satisfy the residency waiting period on your provincial health care plan.
Travelling Within Canada
If you are a Canadian leaving your province, you can still incur expenses if you experience a medical emergency outside your home province. Ambulance, prescriptions, return of vehicle and bringing a family member to your bedside will be out of pocket if you don’t have travel insurance.
Snowbirds and Travelling Canadians
Heading south? Abroad for the trip of a lifetime? Taking the kids to Disney? We have a variety of options for you including Emergency Medical, Trip Cancellation, Interruption, Baggage and Rental Car Insurance. Protect yourself and your retirement from costly medical expenses in the US and abroad.
Travel Insurance Product Information
Provincial plans cover less than 10 % of medical expenses when you are out of the country. Medical expenses in the US can reach $12,000 a day for international customers. Visitors to Canada, returning Canadians, landed immigrants without provincial health coverage can also experience high costs in Canada. Travel Insurance can protect you from these costly expenses. Travel Insurance can include:
- Emergency Medical coverage that is available for single trips or for multi trips. Coverage is available for helicopter evacuation/ambulance. There are also coverage options for pre-existing medical conditions.
- Trip Cancellation /Interruption will reimburse travel costs if your travel plans are cancelled before you depart or if your trip is disrupted and you have additional out-of-pocket expenses.
- Baggage Insurance will cover the loss, damage or theft of your personal effects and baggage.
- Accidental Death and Dismemberment provides payment in the case of your death or dismemberment as a result of an accident.
- Rental Car Insurance provides coverage for physical damage of a rented or leased automobile.
Personal Insurance Resources
BC Government Introduces Rental Protection Fund
The BC government has introduced a new $500 million fund to support non-profit housing organizations in purchasing affordable residential rental buildings and ownership co-operatives.
Five Tips to Keep You Safe During Your Holiday Travels
If you're going to be away this holiday season, there are some important steps for you to take before and during your trip to keep you safe and protect your property.
Top Trends Affecting the Insurance Market for Natural Disasters
Over the past year alone, Canada was hit by two of the costliest natural disasters in the country's history – Hurricane Fiona (insured damage of $660 million) and the windstorm that swept through Ontario and Quebec in May (insured damage of $875 million).