Travel

Affordable Travel Insurance for your adventure!
It’s important to get the right coverage for your adventure and that’s where we can assist.

Lifestyle Insurance & Benefits Brokers is the preferred provider for HeliCat Canada, Guide Outfitters of BC, Wilderness Tourism Association and Backcountry Lodges of BC.

Need Travel Insurance

Click the links below for self serve and custom quoted travel insurance for your next trip.

Adventure Tourism Partners

Your guests are skiing the backcountry, rock climbing, upgrading skills in a course or hiking the Alpine. As an adventure tourism enthusiast they’re prepared and probably have a back up plan. Those plans should include travel medical insurance and evacuation coverage.

High Risk Activities

Many adventure and backcountry sports such as sky diving, ice climbing, mountaineering, canyoneering, or backcountry skiing are classified as high risk sport activities and may not be covered by insurance. How can you ensure your guests have coverage? For travellers practicing these sports as professionals the market becomes even tighter! This is valuable for individuals already employed in the industry and upgrading skills.

As a broker with access to all carriers, we know 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 your guests and reduce risk your business risk. We can customize a program that offer a specific coverage for your guests at the lowest rates available.

Lifestyle Insurance Brokers is the preferred provider for HeliCat Canada, Guide Outfitters of BC, Wilderness Tourism Association and Backcountry Lodges of BC.

Testimonials from our Travel Adventure Tourism Partners

We have been using Lifestyle Insurance Brokers for several years now. We insure all of our guest’s with their “Visitors to Canada / Out-of-Province Medical and Evacuation Insurance” program. As a result, our guests and guides don’t ever have to worry about extended medical coverage or expensive helicopter evacuation costs. The peace of mind we gain for the minimal additional cost allows us to focus on more important things. It’s a no-brainer.
Chris McNamara, Retallack
We have received very good feedback from our clients for offering the insurance options. The manifest itself is fairly simple and quick to use, and the folks at Lifestyle are very helpful and accommodating.
Northern Escape Heli Skiing
I provide both summer and winter backcountry adventures for over 200 guests annually. My guests and staff participate in a series of week-long vacations, engaging in a variety of adventure activities in a remote location somewhere in the mountains of British Columbia. Without exception I encourage my guests to purchase Medical and Evacuation Insurance from Lifestyle Financial. As a small business operator I am unable to provide refunds when guests find the need to cancel their trip. The folks at Lifestyle and their program allows my guests, staff and myself peace of mind and the ability to focus on the ‘awesomeness’ that trips into BC’s backcountry can provide. The staff at Lifestyle are quick to respond with valuable insights anytime that I have needed some advice or assistance.
Brad Harrison, Colwest Alpine Adventures
Lifestyle is our ‘go to’ for travel insurance. They know their business well and can insure any type of trip. The staff are extremely helpful and they are always prompt to respond to all inquiries.
Jeneen Sutherland, Executive Director, Magnificent 7 Luxury Wilderness Lodges of Canada.

Visit our Travel Insurance website for a no-obligation quote.

Trip Cancellation/Interruption

Perhaps you’ve been planning for a long time for this trip or perhaps it was just 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 off 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.

Injury forces cancellation of European river cruise
75-year-old Marge and 46-year-old Julie purchased a river cruise through Europe. They also had an extra week planned with some land tours, accommodation and rail travel.

One month prior to departure, Marge fell and fractured her hip and as a result they both cancelled their trip. The accommodation charges were 100% refundable and both women claimed for the rest of their travel costs including the cruise cost, return airfare, rail tickets, and land tours for a total claim of $13,899.

Read the stories of these travellers experiences
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.

5 Day US Hospital Stay
Alejandro had just crossed the Canada/US border on his motorbike when he went into cardiac arrest. He was rushed by air ambulance to the nearest hospital where he stayed for 5 days. He was transferred back to Canada by ground ambulance for further treatment once he was stable. His total claim was $335,520. His provincial plan paid $2,000.

ATV Accident on Holidays
A 25-year-old woman was in an ATV accident while on vacation. She went over a 35-foot embankment and although she was wearing protective gear, she suffered multiple fractures and internal life-threatening injuries. The woman was airlifted to a trauma hospital. After 21 days in the hospital, she was air evacuated to Canada. Her total claim was $420,700. Her provincial plan paid $9,058.

Museum Visit Results in Broken Elbow
It doesn’t get much safer than walking in a museum, but that wasn’t the case for 49-year-old Anna. She was visiting family in California when she tripped and fell at a museum, severely injuring her arm. An ambulance was called and she was taken to Emergency; she suffered a compound elbow fracture, as well as lacerations to her head and legs. Anna’s elbow required immediate surgery.

After three days, she was able to leave the hospital to stay with family until her scheduled return to Canada. Her total claim was $166,600 and her provincial plan paid $1,660.

Read the stories of these travellers experiences
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 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 of an accident.
  • Rental Car Insurance provides coverage for physical damage of a rented or leased automobile.
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.

Snowboarding Injury
Seo, a 17-year-old, was snowboarding. While going over a jump, he fell and experienced a sudden loss of feeling in his lower extremities. Seo was air ambulanced to the nearest hospital, where he was admitted. Tests showed swelling around his spine, but luckily, no fractures. Seo remained in the hospital for one week and was then discharged with anti-inflammatory medication. His claim was $23,400.

Abdominal Pain Results in Surgery
Sebastian was visiting from Switzerland, when he started experiencing acute upper abdominal pain. His family took him to the hospital where he was diagnosed with gallstones, requiring surgery. He had complications following surgery resulting in infection and sepsis. Requiring him to stay in the hospital for 14 days. After he was released he had to return to hospital daily for IV antibiotic therapy for another 7 days. His total claim was $66,200.

Heavy Hockey Hit Results in Aneurysm
A 19-year-old hockey player visiting from Europe was hit during hockey practice. Later that evening, he experienced vomiting and a headache. The man’s trainer took him to the hospital, where he had a CT scan, revealing a brain aneurysm. The patient was taken into surgery, and the aneurysm was coiled. He stayed in hospital for 19 days. His total claim was $51,300.

Aortic Aneurysm Results in Surgery
A 54-year-old Mexican Man was visiting his family in Canada when he developed acute abdominal pain and was taken to the ER and had surgery for an aortic aneurysm. He spent 5 days in hospital and his claim was $133,200.

ER Visit for UK Traveller
An 80-year-old woman from the UK suddenly fainted. She was taken to ER and admitted for observation overnight. It was determined that she had low blood pressure. Although she spent less than 24 hours in hospital her claim was $4,900.

Read the story of recent Visitors experiencing an emergency in Canada
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 brining a family member to your bedside will be out of pocket if you don’t have travel insurance.

27 Day Hospital Stay
An 87-year-old man from Quebec travelled to New York to catch a Maritime coast cruise with his granddaughter. While on the cruise, he became ill and disembarked in Nova Scotia for treatment. What was thought to be a moderate viral illness with fever, chills and sweating, was in fact meningoencephalitis. The insured was admitted to the ICU ward of the hospital for 27 days! His granddaughter stayed in the city during his hospitalization and accompanied him home, incurring additional meals, lodging and airfare expenses. His total claim was $5,800.

Weakness Leads to Stroke Diagnosis
A 66-year-old woman from British Columbia travelled with her husband by motor home to Nova Scotia. While there, she had an acute onset of right sided weakness. After being rushed by ambulance to the nearest emergency facility, she was transferred to a hospital for CT/MRI scans. The tests confirmed that the patient had suffered a stroke. She was admitted to the hospital for eight days, then discharged to fly home. Her Ambulance was $1,000 and her vehicle was returned to British Columbia. Her total claim was $6,000.

Read the stories of fellow Canadians
Resources

Interested in travel insurance tips and claims stories?

Your travel checklist:

  • Itinerary
  • Vaccinations
  • Passport
  • Registered with Travel.gc.ca
  • Bought Travel Insurance

Congrats, you’ve done a great job planning your trip! But have you ever wondered what actually happens if there is a medical emergency and you have a claim while on vacation?
Your broker would have provided you a wallet card and/or policy booklet. The wallet card and the booklet will have some important phone numbers on who to contact in an emergency.

Of course, you’re going to call the first responders in a real emergency – but what if you catch the flu and you’re not sure how to proceed? Make contact with the emergency assistance provider and they can assist in directing you to the nearest clinic, urgent care or emergency room.

Not only can the assistance provider direct you to a medical facility. But when you open a claim, it allows them to make contact with the billing department at the hospital, review coverages with you and authorize tests and procedures as well.

Most hospitals in the US will bill your travel insurance provider directly. On occasion they may request a deposit for services.

Always keep your original medical receipts and you can submit them with your claim form. If you visit a small clinic it’s likely they will want full payment up front and will not be interested in billing direct. Again, keep your receipts.

In Mexico and the Caribbean, hospitals in popular tourist destinations will likely be happy to arrange direct billing with your insurance provider. However, deposits are commonly always required. Be prepared and have access to funds or credit.

If you are admitted to hospital, it might be appropriate to be returned to your home province for further care. The assistance provider will confer with treating physicians to ensure its in your best interest to return and they will coordinate an available hospital bed near your home and an air ambulance.

Some conditions might require you to be accompanied by a full medical team, or perhaps a medical attendant. Often a family member will be allowed to travel with you.

They’ll assist with obtaining your passport too.

Remember! Travel Informed!
Ask questions, keep in contact with the assistance provider during your emergency and keep all of your original medical and travel receipts for your claim submission.

What happens if I have a medical claim while on vacation?

Tips

Can a smoker get life insurance?

Smokers can get a life insurance policy, but they will pay a higher price for the coverage. It is already well known the risk factors associated with smoking, and insurance companies consider smokers high risk candidates. Most life insurance companies consider you a non-smoker if you have quit for 12 months, which will qualify you for better rates after a year of being nicotine free.

You should…

Regularly review your life insurance policy and amend it if your circumstances change. Examples could be the birth of a child, a change in occupation or an increase in your debt.

When should you purchase travel coverage?

As soon as you have paid for your trip, you are at risk, so secure coverage as soon as you have book your vacation.

Multi-trip travel insurance

If you travel several times a year, it often makes sense to take a multi-trip insurance policy as opposed to getting every time single-trip policy.

Coverage is more important than price

You will most likely pay a premium for good quality coverage that meets your specific needs. It helps to compare rates and our agents do this for you to ensure you are getting the best coverage for your cost limit.

Why consult with a Licensed Financial Professional?

A financial professional can help you factor in financial considerations, your needs and your family’s needs.

Are you protected?

Did you know that Mortgage insurance sold through your bank is only designed to protect the lender, and not the homeowner?

Play with the deductible

If possible, find out whether changing the deductible will make any difference to the price. Often a higher deductible means a lower premium. Rather than cut back on coverage, raising the deductible gives you maximum peace of mind and minimum risk.

Elmer Letterman

“Luck is what happens when preparation meets opportunity”

Don’t underestimate the value of a stay at home parent

Legal & General released a report revealing that replacing the work of a full time mum can cost upwards of $40,000 a year.