Accidental Death and Dismemberment insurance is mandatory for active ACMG members in the Mountain Stream (Mountain, Ski, Alpine and Rock guides and apprentices). Active ACMG members outside the Mountain Stream (Hiking Guides, Climbing Instructors and Via Ferrata Guides) can optionally purchase this insurance. Check with your employer to see if they will reimburse the cost as a benefit of employment.

You are covered for injury sustained as the result of an accident anywhere in the world regardless of whether or not you are working. AD&D insurance coverage provides the following benefits:

• $25,000 Accidental Death Benefit paid to your estate or designated beneficiary
• up to $25,000 Accidental Loss of Body Part Benefit
• up to $15,000 Family Transportation Benefit
• up to $15,000 Home Alteration and Vehicle Modification Benefit
• up to $15,000 Rehabilitation Benefit 
• up to $10,000 Accidental Medical Reimbursement Benefit
• up to $1,000 Rehabilitative Physical Therapy Benefit
• up to $1,000 Accidental Dental Reimbursement Benefit
• up to $1,000 Fracture, Dislocation and Miscellaneous Indemnity
• up to $1,000 Psychological Therapy Benefit

You are eligible for this insurance coverage if you are an active ACMG member under age 70. Coverage remains valid as long as you remain an active ACMG member. The policy year is from January 1 through December 31 and premimums are not prorated. This summary is for information purposes only. Please review the AD&D Benefit Summary for complete coverage details, including exclusions. 

Please complete the form below in order to proceed with purchasing the insurance.

The Weekly Accident Indemnity (WAI) insurance is optional for all active ACMG members who purchase Accidental Death and Dismemberment (AD&D) insurance. Check with your employer to see if they will reimburse the cost as a benefit of employment.

WAI covers loss of earnings due to injury from an accident. The indemnity will pay up to 60% of your 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 your disability until benefits start.

If unemployed at the time of your disability, your earnings will be calculated based on income received from the best 9 of the last 12 months. If you are self-employed, your earnings will be calculated on employment income reported on your previous year’s T1 General 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 as not to exceed 60% of your pre-disability earnings.

You are eligible for this insurance coverage if you are an active ACMG member under age 70, a Canadian citizen or permanent resident living in Canada, and are covered under the provincial health insurance plan of your province of residence. Coverage remains valid as long as you remain an active ACMG member. The policy year is from January 1 through December 31, and premiums are not prorated. This summary is for information purposes only. Please review the WAI Benefit Summary and WAI FAQs for complete coverage details, including exclusions.