Insurance for Trekking Overseas? - ClubTread Community

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post #1 of (permalink) Old 06-07-2017, 12:25 AM Thread Starter
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Default Insurance for Trekking Overseas?

Hi, was wondering if anyone is willing to share suggestions on travel insurance for Canadians heading overseas for trekking and possibly climbing. Any companies with positive reviews? Any to avoid? What would one expect to pay for a couple months of travel?

Also, if anyone has been to Ladakh and is willing to chat about the experience, please PM me. Cheers.
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post #2 of (permalink) Old 06-07-2017, 08:26 AM
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I would highly highly recommend BCAA travel insurance. A serious almost deadly surfing accident in Hawaii for a close family member (involving surgery and a month long hospital stay) was covered with zero question.

The cost is minimal. There are lots of variables in cost, age, how much coverage, how long you are gone for, etc. I think it cost me in the area of around $125-150 for the entire year for a fairly well packaged travel insurance policy.

Ones to avoid: Bel-air (also known formerly as CDI). Reason: Good luck getting them to pay for anything.

“Real adventure is defined best as a journey from which you may not come back alive, and certainly not as the same person.” - Yvon Chouinard

Last edited by pdomansky; 06-07-2017 at 08:31 AM. Reason: Adding comments.
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post #3 of (permalink) Old 06-09-2017, 11:32 AM Thread Starter
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Thanks for the reply. My wife has BCAA so maybe that will work for us. Will definitely look into it.
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post #4 of (permalink) Old 06-09-2017, 11:54 AM
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Originally Posted by Candy Sack View Post
Thanks for the reply. My wife has BCAA so maybe that will work for us. Will definitely look into it.
No problem. If you (or your wife) are a BCAA member, I think you also get a rate discount on insurance.

“Real adventure is defined best as a journey from which you may not come back alive, and certainly not as the same person.” - Yvon Chouinard
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post #5 of (permalink) Old 06-09-2017, 12:34 PM
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Make sure to check any altitude restrictions on a trekking policy, also restrictions on use of "technical" equipment, ie, ropes, climbing gear.

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post #6 of (permalink) Old 06-09-2017, 03:26 PM
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Originally Posted by Trail Talk View Post
Make sure to check any altitude restrictions on a trekking policy, also restrictions on use of "technical" equipment, ie, ropes, climbing gear.
That is a good point. I would certainly call or verify with BCAA that they do cover climbing/trekking or use of gear and ropes before buying it.

That being said, I was browsing MEC's web site, and came across member benefits:

10% SAVINGS ON THE CO-OPERATORS TRAVEL INSURANCE
Save 10% on travel insurance
Members are eligible for 10% savings on competitively priced travel insurance through The Co-operators, and you’ll be covered when doing outdoor activities. Call 1.800.449.4084 for details. Please have your MEC member number ready


See the link here: https://www.mec.ca/en/explore/special-offers and search for insurance.


Please note I have not used them before, so I cannot comment on how they work, but it is listed on the MEC web site.

“Real adventure is defined best as a journey from which you may not come back alive, and certainly not as the same person.” - Yvon Chouinard
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post #7 of (permalink) Old 06-09-2017, 03:51 PM
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Hi Candy Sack, I can't offer reviews but found this on a quick search: http://www.alpineclubofcanada.ca/acc-trip-insurance/. I'd trust Bridget's review, she's done lots of expedition type trips. Here's more info on TuGo: https://www.tugo.com/en/travel-insurance/sport/ - looks like they cover upto 6000m if you buy their 'adventure sports coverage' option.

For regular travel insurance (BlueCross, BCAA, whatever's attached to your credit card, etc.), climbing is often under general exclusions: "mountain climbing (where ropes or guides are normally used)". I'd read through the certificate to make sure there's no loop hole.
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post #8 of (permalink) Old 09-29-2017, 05:26 PM
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I'm in the same boat. If you go to TuGO's site, it mentions that you can get their insurance at BCAA or Sussex Insurance. I went into BCAA and their underwiter is Tugo
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post #9 of (permalink) Old 09-29-2017, 08:30 PM Thread Starter
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That's true. We ended up using BCAA. It cost more than I think we wanted... but their coverage is pretty good and comprehensive.
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