Does anyone know an insurance company (in Canada) that provides life and disability insurance for climbers at a decent rate?
Have this type of insurance currently through my employer but if I decide to go independant again I want to make sure I get proper insurance (which will put my wife at ease...)
Hey wbylsma, If you can get new November issue of Climbing magazine, you will be able to see some valuable information how climbing insurance is managed in USA and Europe. I know we are Canadians but this article will give you an insight how others are covered. In case you going to talk to your insurance company. See you in the mountains. Be safe. Zoran
Good news for me - my broker found me life insurance that covers climbing with only a small increase in the rate (few hundred dollars a year extra for 500K)
Bad news for me - It does not cover skiing and specifically states that in the policy
Bad news for a lot of others - My broker told me that my policy is underwritten at the time when you sign-up but that a lot of other policies are not (mainly group plans). That means it might not state that a policy exludes climbing or skiing but in case you do die doing such a thing they might still exlude it after the fact...that sucks...a lot of mortgage life insurance plans are often like that.
If you need the name and contat info for my broker send me an email/PM
Still haven't found any dissability insurance that includes climbing or skiing :-(