Group Health and Wellness Insurance
As committed partners of ACMG from coast to coast, Acera Insurance is offers an exclusive extended health and dental benefit plan tailored specifically for members, through their partner, Simply Benefits. The plan’s comprehensive coverage is designed to ensure that the ACMG member and their family has access to quality care.
ACMG partner, Acera Insurance offers travel insurance options through TuGo Travel Insurance. Many ACMG members travel for work and play. Having emergency medical coverage is essential to peace of mind when visiting other lands.
One of the problems inherent in this kind of insurance, though, is what’s known as The Professional Sport Clause. This clause essentially excludes you from coverage if you are injured while guiding or instructing an activity from which you earn the majority of your personal income. For an additional flat fee ACMG members are covered for high risk activities. Also included in the package is coverage for trip cancellation, trip interruption, accidental death and dismemberment, baggage insurance (single trips only) and rental car protection (single trips only).
If you have a pre-existing medical condition, you are not necessarily excluded from coverage. Please read the appropriate sections carefully if this applies to you. There is also an option for you to provide access to coverage for visitors coming to Canada.
Critical Illness Insurance, offered by Industrial Alliance Special Markets is optional for eligible members, their spouses and dependants. Critical illness insurance provides a tax-free lump sum of up to $250,000 in the event that the insured ia diagnosed with one of 25 covered illnesses including life-threatening cancer, heart attack and stroke. It also provides up to $10,000 coverage for each dependent child.
To make a claim under this policy please contact:
Angie Patrick, Client Service Specialist
Email: [email protected]
Phone: 250.542.8577 ext.1871
ACMG partner, Affinity Life Insurance, provides simple online life insurance solutions for ACMG members. Their tailored life insurance solutions offer affordable rates without exclusions.
ACMG partner, Acera Insurance offers life insurance options through Industrial Alliance Special Markets for eligible members, their spouses and dependents, providing up to $250,000 in the event of death from accident or illness for people who engage in higher risk mountain travel activities. Premiums are based on current age and smoking status. The policy also provides coverage of up to $20,000 for each dependent child.
To make a claim under this policy please contact:
Angie Patrick, Client Service Specialist
Email: [email protected]
Phone: 250.542.8577 ext.1871
Accidental Death and Dismemberment insurance is mandatory for active ACMG members in the Mountain Stream (Mountain, Ski, Alpine and Rock guides and apprentices) and provides up to $50,000 in coverage. Active ACMG members outside the Mountain Stream (Hiking Guides, Climbing Instructors and Via Ferrata Guides) can optionally purchase this insurance.
Includes coverage for injury sustained as the result of an accident anywhere in the world regardless of whether or not the insured is working. Active ACMG members under age 70 are eligible for this insurance coverage. The policy year is from January 1 through December 31 (premiums are not prorated). Employers may reimburse the cost of premiums as a benefit of employment.
Please review the AD&D Benefit Summary for complete coverage details.
To designate a beneficiary other than your estate, please complete and return this Personal Accident Insurance AD&D Beneficiary Designation form.
To make a claim under this policy please contact:
Angie Patrick, Client Service Specialist
Email: [email protected]
Phone: 250.542.8577 ext.1871
The Weekly Accident Indemnity (WAI) insurance is optional for all active ACMG members who purchase Accidental Death and Dismemberment (AD&D) insurance.
WAI covers loss of earnings due to injury from an accident. The indemnity will pay up to 60% of weekly insured earnings (from all work sources) to a maximum of $ 800 per week for a maximum of 26 weeks. There is a 21-day waiting period from the date of disability until benefits start. If unemployed at the time of disability, earnings will be calculated based on income received from the best 9 of the last 12 months. Self-employed earnings will be calculated on employment income reported on the previous year’s income tax return. Benefits may be reduced by benefits payable under Work Safe BC, WCB, CPP, QPP, automobile insurance, group disability and retirement plans, or other individual disability plans, so that total benefits do not exceed 60% of pre-disability earnings.
Active ACMG members under age 70, who are Canadian citizens or permanent residents living in Canada, and covered under the provincial health insurance plan in their province of residence are eligible for this insurance coverage. The policy year is from January 1 through December 31 (premiums are not prorated). Employers may reimburse the cost of premiums as a benefit of employment.
Please review the WAI Benefit Summary and WAI FAQs for complete coverage details.
To make a claim under this policy please contact:
Angie Patrick, Client Service Specialist
Email: [email protected]
Phone: 250.542.8577 ext.1871
The Diagnostic and Specialist Access (DSA) insurance is optional for all active ACMG members. Covered ACMG members who are referred for an MRI, CAT or CT scan with a wait time of greater than 21 days, can access this benefit for an expedited appointment. The Insurer will arrange the first available appointment within 21 days at the geographic location closest to the ACMG member.
Active ACMG members under age 70, who are Canadian citizens or permanent residents living in Canada, and covered under the provincial health insurance plan in their province of residence are eligible for this insurance coverage. The policy year is from January 1 through December 31 (premiums are not prorated). Employers may reimburse the cost of premiums as a benefit of employment.
Please review the DSA Benefit Summary and DSA FAQs for complete coverage details.
To make a claim under this policy please contact:
Angie Patrick, Client Service Specialist
Email: [email protected]
Phone: 250.542.8577 ext.1871