Our travel insurance experts are here to help you get the right coverage for your needs, no matter how complex they are.
If you’re travelling to a topical destination, shopping in the US, or visiting friends in another province or country—your provincial healthcare plan won't cover you. At CapriCMW, we have the expertise and a wide range of coverage options to get you the right travel insurance policy at the right price.
Key Travel Insurance Coverages:
- Emergency Medical and Dental
- Trip Cancellation and Interruption
- Trip Delay
- Accidental Death and Dismemberment
- Baggage Coverage and Delay
- Rental Car Coverage
- COVID-19-related cancellation
- High-risk activities
- Adventure travel
- Government of Canada Travel Advice and Advisories by Destination: Click here
- Government of Canada – Travel Health Notices: Click here
- CATSA – ACSTA Current Wait Times: Click here
Do your travel plans involve "high-risk" activities?
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 typical travel insurance policies.
CapriCMW's Lifestyle Travel Insurance Services offers a unique specialization in Adventure Travel and can help you get the right coverage.
Frequently Asked Questions
I have a pre-existing condition. Can I get travel medical insurance?
We can usually find coverage for people with health issues, but some exclusions could apply. If you have an existing health condition, it’s critical that you disclose the details when applying for coverage.
I have travel insurance through my credit card. Do I need a separate policy?
Some credit cards do provide basic travel insurance. However, it’s important to fully understand exactly what your coverage includes and what exclusions apply.
Do I need travel insurance for travelling outside of my province, but within Canada?
Yes. Your provincial healthcare plan will not cover medical expenses incurred outside of your province of residence, even if you’re travelling within Canada.
Personal Insurance Resources
ICBC Introducing Usage-Based Discounts Beginning in 2023
As part of its intended shift towards more personalized insurance products, ICBC will be introducing new usage-based insurance options over the next several years. The first of its usage-based offerings will be available in 2023, a discount on certain…
Three Types of Insureds Explained
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ICBC to Introduce New Distance-Based Discount for 2023
BC drivers who qualify for the new distance-based discount will save between 5 and 15 per cent on certain ICBC optional coverages.