Lifestyle Insurance & Benefits Brokers is the preferred provider for HeliCat Canada, Guide Outfitters of BC, Wilderness Tourism Association and Backcountry Lodges of BC.
Click the links below for self serve and custom-quoted travel insurance for your next trip.
Your guests are skiing the back-country, 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.
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 your guests have coverage? For travelers 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 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 your guests and reduce your business risk. We can customize a program that offers 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
Visit our Travel Insurance website for a no-obligation quote.
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.
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.
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:
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.
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.
Interested in travel insurance tips and claims stories?
Smokers can get a life insurance policy, but they will pay a higher price for the coverage. The risk factors associated with smoking are well-known 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 allow you to qualify for better rates after a year of being nicotine-free.
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.
As soon as you have paid for your trip, you are at risk, so secure coverage as soon as you have booked your vacation.
If you travel several times a year, it often makes sense to purchase a multi-trip insurance policy as opposed to getting a single-trip policy every time.
You will most likely pay a premium for good quality coverage that meets your specific needs. It helps to compare rates. Our agents will do this for you to ensure you are getting the best coverage for your cost limit.
A financial professional can help you factor in financial considerations, as well as the specific needs for yourself and your family.
Did you know that Mortgage insurance sold through your bank is only designed to protect the lender, and not the homeowner?
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 cutting back on coverage, raising the deductible will give you maximum peace of mind with minimum risk.
“Luck is what happens when preparation meets opportunity”
Legal & General released a report revealing that replacing the work of a full-time stay at home parent can cost upwards of $40,000 a year.