For your adventure and mountain sports needs

Whether you’re trekking abroad, mountaineering across the border or backcountry skiing in the next province, your provincial healthcare plan won’t travel with you. That means, if you have an accident or medical emergency on or off the mountain, you’ll have to arrange for care and pay for most of it out of your own pocket.

For the travelling adventurer, the ACC sells TuGo® Travel Insurance, personal insurance for trips.

These policies are available to all Canadians travelling outside their home province within Canada as well as internationally. We also have insurance plans available for visitors to Canada.

An advantage of TuGo Travel Insurance is that it has optional coverages that include climbing-related accidents that are excluded by many policies.


Emergency Medical Insurance

If you require medical attention while you’re traveling outside of your home province, or outside of Canada, your provincial health care plan may not cover you. Likewise for visitors to Canada. TuGo Travel Insurance covers air ambulance, emergency medical and many other medical expenses. Sports and Activities Optional Coverage is available to cover mountaineering, backcountry skiing and ice climbing.

Policies are affordable, starting at $15, and are applicable to Canadians travelling within Canada or abroad.


Out of Province Insurance

If you require medical attention while you're travelling outside of your home province, your provincial health care plan may not cover your expenses. If you require an ambulance, you could be charged thousands of dollars. And in the backcountry, these costs can escalate quickly.

For example, an air ambulance medical evacuation in the backcountry of BC will cost residents of that province a "nominal fee", but non-BC residents will be charged about $2,800 per hour of helicopter time plus other ground ambulance fees. TuGo Travel Insurance, sold by the ACC, can cover these expenses.

We recommend that all Canadian travellers confirm with their provincial health care plans which expenses are covered prior to their trips.

Call 403-678-3200 (ext. 108 or 112 or 118) to talk to one of the ACC's three licensed insurance agents.

Canadians Travelling Abroad

Canadians travelling outside of Canada are not fully covered for their medical expenses by their provincial health care plans. Most plans cover a portion of expenses.

Note: The ACC does not have any agreements with other countries, other alpine clubs or the UIAA for rescue, extraction, ambulance or medical expenses incurred by ACC members.

In October of 2011, ACC member Bridget Milsom caught a crampon and fractured her ankle and wrist descending from Parchermo (6,200m) in Nepal. Bridget was insured through an ACC - TuGo policy. You can read her happy ending story on the TuGo blog.

Call 403-678-3200 (ext. 108 or 112 or 118) to talk to one of the ACC's three licensed insurance agent.

Visitors to Canada

Visitors to Canada should understand that they are not covered by our country's medical insurance. Visitors are responsible for all costs associated with medical visits as well as emergency extractions (rescues).

TuGo's Visitor to Canada medical insurance covers medical transport, emergency dental, prescription drugs, lodging expenses and more.

Call 403-678-3200 (ext. 108 or 112 or 118) to talk to one of the ACC's three licensed insurance agent.
Many extra front-country medical expenses are included in this policy as well – hospital stays and treatment, physician services, x-ray examinations, medication and/or drugs, rental of essential medical appliances, dental services, family transportation, return of excess baggage, return of vehicle, and out of pocket expenses.

Emergency medical benefits are subject to conditions and exclusions; please read the policy wording for more detailed information.

Insure Your Adventure

Click the link below to get an online quote and purchase a policy. You can also call 1-855-929-8846 for more information.

Attention! Ice climbing, mountaineering and backcountry skiing require the Sports and Activities Optional Coverage. Please make sure you chose this option under the Customize Plan tab. Please see the policy wording for more details or call us at (403) 678-3200 - extension 108 for Micki (Mon - Thu), 112 for Chelsea (Fri).

Trip Cancellation and Trip Interruption Insurance

Traveling can be expensive: airline tickets, accommodation, tour operators and other pre-paid travel arrangements add up. If you have to cancel or interrupt your trip due to an emergency these expenses could be lost. With trip cancellation insurance you can protect your investment.

ACC Trips or Personal Trips

Trip cancellation insurance can protect your adventures with the ACC and most personal trips.

Covered Risks

Covered risks include sickness, injury, death or quarantine of the Insured, the Insured’s traveling companion, the Insured’s immediate family or the traveling companion’s immediate family; death or hospitalization of a business partner, key employer/employee, or host at final destination; job transfer; natural disaster; accident; travel advisory; subpoena; hijacking; involuntary job loss; and missed connection.

Trip cancellation insurance coverage is also subject to conditions and exclusions. For complete details, please consult the official policy wording. Click the link below to get an online quote and purchase a policy. You can also contact us directly via email or call 403-678-3200, ext 108 for Micki (Mon-Thu), 112 for Chelsea (Fri) for more information.

Call 403-678-3200 (ext. 108 or 112 or 118) to talk to one of the ACC's three licensed insurance brokers.

TuGo Policy: Policy Wording – English (pdf) Policy Wording – French (pdf)

About TuGo

TuGo is a third-party administrator (TPA) of travel insurance products and services. They develop and administer a variety of travel insurance plans for Canadian business and leisure travelers, visitors to Canada and international students studying in Canada. Their plans can be found in automobile associations, insurance brokerages, banks, credit unions, travel agencies, tour operators and airlines across Canada. TuGo has protected Canadian travelers for over 50 years.

To find out more about other insurance options, visit the TuGo website at or call them direct at 1-855-929-TuGo (1-855-929-8846). Please quote Reference #ALP762, as the ACC benefits whenever this code is used.