Rainy Day
New
Add Rainy Day coverage to your travel insurance and receive compensation when the precipitation threshold covered under your contract, determined at the time of purchase, is reached at your insured location.
- $100 for each covered rainy day
- Rainfall automatically tracked at your insured location
- No proof required
- Payment by Interac e-Transfer after your trip
To view your price and covered precipitation threshold, start a quote and enter the address to be insured.
You can purchase Rainy Day coverage if you:
- Are a Canadian resident covered by a provincial health insurance plan
- Purchase at least one of the following types of coverage: Emergency Medical Care (EMC) and/or Trip Cancellation and Interruption
- Are taking a single trip of up to 28 days to one of the following destinations: Mexico, Cuba, the Dominican Republic, the United States, Canada, or Europe
- Purchase your contract online at least 14 days before departure
Good to know: Coverage is based on the insured location selected at the time of purchase. Only one location address may be covered per contract.
No compensation will be paid in the following situations:
- When the rainfall amount does not reach the covered precipitation threshold indicated at the time of purchase.
- When rainfall occurs outside the covered time period at your insured location.
- When rainfall is measured at a location other than the one specified at the time of purchase.
- For weather conditions other than rain (such as hail, snow, sleet or ice).
- For any loss of or damage to property, regardless of the cause.
- When rainfall occurs on days subject to the applicable deductible.
Please refer to the insurance policy for the complete list of exclusions and limitations applicable to this coverage
How It Works
Before your trip
During your trip
After your trip
Create travel coverage tailored to your needs.
Frequently Asked Questions
The covered precipitation threshold is the minimum level of rainfall that must be recorded at your insured location during the covered time period for a day to count as a covered rainy day.
This precipitation threshold:
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is determined at the time of purchase
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depends on your insured location, the time of year during which you travel, and the exact address of your insured location
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may vary from one trip to another
Rainfall is measured using data from an official weather station each day during the covered time period at your insured location.
Rainfall is automatically tracked using data from an official weather station associated with the insured location provided at the time of purchase.
Rainfall is measured daily during the covered time period at your location.
Drizzle is included if the total recorded rainfall meets your coverage conditions.
Drizzle is also considered a form of precipitation when measuring rainfall.
You do not need to take any action during your trip, and no proof is required.
No. A rainy day is covered only if the amount of rainfall measured during the covered time period reaches the precipitation threshold specified in your coverage.
A Rainy Day deductible may also apply, depending on your contract. Covered rainy days that fall within the deductible period are not eligible for payment.
Any applicable deductible is clearly indicated at the time of purchase based on your insured location and the time of year during which you travel.
Rainy Day deductible means the number of days during which the precipitation threshold is exceeded without giving rise to compensation. This number is indicated on your insurance certificate and varies based on the insured location, the time of year during which you travel, and available historical weather data.
You will receive $100 per covered rainy day, per contract, regardless of the number of insured persons.
The total amount payable is calculated after applying the Rainy Day deductible, if applicable, and includes only eligible covered rainy days.
Example:
If 5 covered rainy days occur during your trip and your contract includes a 1-day deductible, you will receive $400.
No. You do not need to file a claim or provide any proof.
Rainfall is measured automatically using official weather data.
At the end of your coverage period, if one or more covered rainy days were recorded, you will receive an email with a link to request your payment.
Payments are sent by Interac e-Transfer.
Once you complete your payment request using the link sent by email after your coverage period ends, your payment will be issued within 2 business days.
Rainy Day Coverage applies to a single location address provided at the time of purchase.
Rainy Day coverage must be purchased online at the same time as Emergency Medical Care and/or Trip Cancellation and Interruption coverage.
Rainy Day coverage cannot be added after purchase, either by phone or through your Customer Space.
To add it:
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Select Rainy Day coverage during the coverage selection step.
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Enter the address of the insured location.
Rainy Day coverage is currently available for trips to:
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Mexico
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Cuba
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The Dominican Republic
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The United States
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Canada
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Europe
Availability is confirmed at the time of purchase based on the address of your insured location.