Insurance Provided

A WCC Membership provides two types of insurance:  SPORT ACCIDENT INSURANCE and LIABILITY INSURANCE.

SPORT ACCIDENT INSURANCE provides reimbursement of medical and treatment costs and compensation for personal injury and losses suffered while participating in a sanctioned club ride. This coverage is in effect only for rides in Canada and for Canadian citizens with provincial government health care.

LIABILITY INSURANCE provides legal and financial protection against claims brought against the club or a club member for losses or damages suffered in relation to a sanctioned club activity.

•    Club insurance will be in effect only during WCC sanctioned rides or events. To be sanctioned, a ride must be pre-scheduled on the WCC calendar and overseen by a WCC ride leader. Note that in some cases an event or ride appearing on the club calendar may be unsanctioned, with club insurance not in effect.
•    To be insured, each participant must have a Full Membership, or have a Single Ride Membership that is valid for the date of a given club sanctioned ride (with waiver signed and corresponding fee paid). An Associate Membership provides no insurance.
•    Each participant must wear a helmet while riding in a sanctioned club ride.

Coverage Parameters


$30,000 Capital Benefits (for death or significant permanent loss of use)
$10,000 Medical/Dental Expenses
$3,000 Prosthetic Devices
$3,000 Rehabilitation
$2,000 Tuition
$1,000 Repatriation
$500 Physiotherapy ($50 per visit)
$500 Fractures (lesser amounts may apply for different types of fractures)
$50 Emergency Transportation

($0 Deductible)


$10,000,000 Bodily Injury and Property Damage (aggregate)

($2,500 Deductible per Claim)

The interpretations above are based on an informal review of the related insurance policies. For further information, please email your request to 

Sport Accident Claims

Instructions and forms for submitting a Sport Accident claim can be found at this link: CLICK HERE THEN DOWNLOAD