Adventure Travel Insurance
Wander near or far without worry.
Embarking on an adventure shouldn’t come with unnecessary stress. Unexpected illnesses, trip cancellations, or lost luggage can disrupt a meticulously planned journey. Adventure travel insurance is here to help.
Your guide to adventure travel coverage.
When you’re traveling, your full publicly-funded healthcare doesn’t travel with you. And when ‘high-risk’ activities are involved, it’s especially important to understand the fine print of your travel insurance policy. Our adventure travel insurance provides peace of mind, ensuring you can focus on creating memories, not worrying about what-ifs.
We cover:
- Pre-existing conditions
- “High-risk” activities such as mountaineering, mountain biking, backcountry skiing, rock climbing, motocross, ice-climbing and more
- Single or multiple trips
- Visitors to Canada and landed immigrants
- Returning Canadians
- Trip delays and cancellations
Coverage across Canada.
Get in touch about adventure travel insurance by phone or in person at your nearest location.
Common adventure travel insurance types.
Whether you’re scaling mountains, diving into coral reefs, or exploring ancient ruins, get coverage for the unexpected.
Emergency Medical Coverage
This helps cover your emergency medical expenses if you are injured or get sick. This can include evacuation costs – which can be extremely high if you’re participating in outdoor activities like hiking or skiing.
Trip Cancellation or Interruption
This coverage 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.
Trip Delay
This helps cover additional expenses incurred when your trip is delayed, including accommodation, transportation and food costs.
Baggage Insurance
This insurance covers the loss, damage or theft of your personal effects and baggage while on your trip.
Accidental Death and Dismemberment
This coverage provides payment in the case of your death or dismemberment as a result of an accident. This can help your family cover repatriation and travel costs.
Rental Car Insurance
This provides coverage for physical damage to a rented or leased automobile.
Why choose Acera Insurance for your adventure travels?
Our experienced team is here to help you find the coverage you need to ensure your next adventure is smooth sailing.
Better Coverage
We offer extensive coverage for travellers with regular travel insurance policies – from high-risk activities to coverage for pre-existing conditions and more.
Personalized Customer Service
Our dedicated insurance advisors will take the time to get to know your distinct needs and work with you to create a customized adventure travel insurance solution for you.
Unparalleled Expertise
Our adventure travel insurance team has decades of experience and specialized industry expertise. You’ll receive professional advice from local experts.
Helpful tips from our advisors.
Get tips from our advisors on how to get the most out of your adventure travel insurance.
Answering your most common questions.
What high-risk activities are covered by adventure travel insurance?
Many activities considered “high-risk” are covered by adventure travel insurance, including:
- Backcountry hiking
- Backcountry skiing
- Ice climbing
- Mountaineering and canyoneering
- Mountain biking
- Rock climbing
- Snowmobiling
- Skydiving
Speak to our Acera Insurance adventure travel insurance about the specific activities you’re looking to participate in.
Can I get adventure travel coverage if I have a pre-existing condition?
Yes, you can get adventure travel insurance even if you have a pre-existing condition.
What isn’t covered by adventure travel insurance?
It will depend on your individual policy as to what is and is not covered. It’s important to remember that travel insurance is for sudden and unexpected things – not routine medical care or a disruption you were aware of ahead of time.
When should I get travel insurance?
You should get travel insurance when you book your trip. If you travel frequently, you can also purchase an ongoing travel insurance policy.
Am I covered if my flight gets delayed or cancelled?
Yes, our policies provide coverage for delayed or cancelled flights. This includes covering expenses for accommodation, transportation and food if you’re delayed or waiting for a new flight. It can also cover alternate transportation such as another flight or another mode of transportation to get you where you need to go.
I have coverage through my credit card and/or employer, do I need a separate adventure travel insurance policy?
There may be limitations on your travel insurance coverage through a credit card or employer, including:
- Limited coverage may increase your out-of-pocket expenses
- “High-risk” activities are not covered
- Often have age limitations and trip length limits
- May not cover travel companions
- Limited or no coverage for pre-existing conditions
- You may be penalized if you do not seek assistance immediately or if the whole trip isn’t booked on the same credit card
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