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.
