The venues (outdoor and indoor) in which we all recreate can be potentially dangerous places and we all know that accidents can happen.
The ACC’s first goal is always to prevent accidents and injuries through safety education and leadership training. But the Club also carries a comprehensive liability insurance policy that covers its members leading or involved in running an ACC trip/event, and its contractors and employees in case they are named in a lawsuit following an accident.
Being covered by this policy is a benefit of ACC membership and it might be a bigger benefit than many people think.
If you’re an ACC member and you’re leading an ice climbing outing or helping out with the logistics of a ski camp or belaying in a sport climbing competition – any official ACC activity – you’re covered under our policy. If an accident happens that results in a lawsuit, the ACC’s insurance company steps in and covers legal bills and damages to $5 million.
Liability insurance is something we all hope we never have to use. But like your helmet or your crevasse rescue skills, it’s good to know that it’s in place should you ever need it.
The ACC also sells Tugo travel insurance for personal trips. These policies cover activities such as rock climbing and hiking. They can also be tailored to cover activities such as ice climbing and mountaineering over 6,000m. We have a licensed insurance agent based out of the National Office in Canmore who can answer queries, including the ins and outs of what is needed for your particular adventure. See our Travel Insurance page.
Quick Tugo Insurance Info
Covid is covered under all Tugo Medical plans for those who are fully vaccinated in their home province. In Alberta and BC this means you have had at least two vaccinations (the last one at least 14 days before your trip) and you have either received or are scheduled to receive the third one (even if it’s after the trip). If this applies to you then any medical costs associated with covid will be covered up to your plan limit. If you do not meet the requirements above, medical expenses associated with covid will not be covered.
Trip interruption can be added on or bought as a stand-alone policy. If you get covid, it will cover you for quarantine costs (hotels, food, flight changes) up to your plan limit. In order to be covered you need to prove that you had covid by getting a test at a lab or a pharmacy. It can be a rapid test but you must have a documentation that shows your name, the date, the lab/pharmacy name and the positive result. Because you cannot access a lab/pharmacy up at camp, helicopter flights out of camp are not covered under Tugo Trip Interruption Policies.
Trip cancellation covers you for any non-refundable costs for your trip. If you can get credits for an expense then you can’t claim that expense under trip cancellation. We recommend trip cancellation for hut bookings and ACC programs such as the GMC. Trip cancellation must be bought before you leave for your trip. If you have had covid in the last 60 days of the date of buying your plan, any complications from that covid diagnosis will not be covered. However new cases of covid would be still be covered. If you get covid before your trip and can’t go you again need to prove it by getting a test at a lab or a pharmacy. It can be a rapid test but you must have documentation that shows your name, the date, the lab/pharmacy name and the positive result.