Why choose Rainy Day?
Available exclusively online. Add Rainy Day coverage to your travel insurance and receive compensation when rainfall at your insured location exceeds the precipitation threshold set at the time of purchase.
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CAD$100 for each covered rainy day
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Automatic weather tracking at your destination
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No paperwork—no proof required
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Interac e-Transfer® sent after your coverage ends
Eligibility
You can purchase Rainy Day coverage if you:
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Live in Canada and are covered under your province's public health insurance plan (RAMQ or OHIP)
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Purchase Emergency Medical Care or the 3-in-1 Package and/or Trip Cancellation and Interruption coverage online
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Are taking a single-destination trip of 28 days or less to Canada, the United States, Mexico, Cuba, the Dominican Republic or Europe
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Purchase your policy at least 14 days before your departure date nds
How it works
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Before you leaveAdd Rainy Day coverage when you purchase your travel insurance online.
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During your tripNo action is required. Rainfall is automatically measured each day at your insured location during the covered time period.
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At the end of your coverageIf you qualify for a compensation, you’ll receive an email with a link to request your payment. Your payment will be sent by Interac e-Transfer® within 2 business days of your request.
Conditions
The precipitation threshold, covered time period and deductible are determined when you purchase your coverage, based on your travel dates and your insured location.
Your coverage
Receive CAN$100 for each covered and compensable rainy day, regardless of the number of insured travellers.
Insured location
Your insured location is the location you specify when purchasing your coverage (hotel, cottage, campground, vacation rental, etc.). Rainfall is measured automatically at that location.
Covered rainy day
A day qualifies as a covered rainy day when rainfall measured at your insured location exceeds the applicable precipitation threshold during the covered time period.
Rainy Day deductible
A deductible may apply. Covered rainy days that occur during the deductible period are not eligible for compensation.
No compensation is paid in the following situations:
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The amount of rainfall does not exceed the covered precipitation threshold specified when you purchased your coverage.
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Rain occurs outside the covered time period at your insured location.
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Rainfall is measured at a location other than the insured location specified when you purchased your coverage.
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The precipitation is something other than rain (for example, hail, snow, or sleet).
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There is loss of or damage to property, regardless of the cause.
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Rain occurs during the applicable deductible period.
See the insurance policy for the complete list of exclusions and limitations that apply to this coverage.
To find your premium and applicable rainfall threshold, start a quote and enter your insured location.
Combine our coverage
From major emergencies to everyday travel mishaps, we've got you covered.
Frequently Asked Questions
The covered precipitation threshold is the minimum amount of rainfall that must be exceeded during the covered time period at your insured location for a day to qualify as a covered rainy day.
The precipitation threshold:
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is determined when you purchase your coverage
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is based on the time of year you're travelling and the exact address of your insured location
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may vary from one trip to another
Rainfall is measured automatically each day using data from the official weather station linked to your insured location.
Rainfall is measured automatically using data from the official weather station linked to the insured location you provided when purchasing your coverage.
Rainfall is measured daily throughout the covered time period at your insured location.
Drizzle is also included when calculating total rainfall.
There’s nothing you need to do during your trip - no proof is required.
A rainy day is covered only if rainfall at your insured location exceeds the precipitation threshold set out in your policy during the covered time period.
A Rainy Day deductible may apply depending on your policy. Covered rainy days that occur during the deductible period are not eligible for payment.
If a deductible applies, its duration is shown at the time of purchase, based on your insured location and travel dates.
The Rainy Day deductible is the number of days during which the precipitation threshold is exceeded without giving rise to compensation. This number appears on your insurance certificate and varies by insured location, travel dates and available historical weather data.
You receive $100 per covered, compensable rainy day, per policy, regardless of the number of insured individuals.
This amount is calculated after applying the Rainy Day deductible (if applicable), and only for covered rainy days.
Example: If your trip has 5 covered rainy days and your policy has a 1-day deductible, the first day covers the deductible ($0). You receive CAN$100 for each of the remaining 4 days, for a total of CAN$400.
No.
Rainfall is measured automatically using data from an official weather station. If the conditions for compensation are met, you’ll receive an email after your coverage ends with instructions on how to request your payment. No proof or supporting documents are required.
Payments are sent by Interac e-Transfer®.
Once you’ve completed your payment request using the link sent to you by email at the end of your coverage period, your payment will be sent within 2 business days.
Rainy Day coverage applies to single-destination trips and one insured location specified when you purchase your coverage.
Rainy Day coverage must be purchased online at the same time as Emergency Medical Care and/or Trip Cancellation and Interruption coverage.
It cannot be added after purchase through the Customer Space or by phone.
To add Rainy Day coverage:
2. Select Rainy Day when choosing your travel insurance coverage.
3. Enter your insured location.
Rainy Day coverage is available for trips to Canada, the United States, Mexico, Cuba, the Dominican Republic and Europe.
Availability is confirmed when you purchase your coverage, based on your insured location.
