Archive for category: Blog Content

Understanding Your Sump Pump: Your Home’s First Line of Defence Against Water Damage

Owning a home comes with its share of surprises—and few are more stressful than unexpected water leaks or basement flooding. While many homeowners prepare for fire safety and storm readiness, far fewer take proactive steps to manage one of the most common causes of home insurance claims: water damage. That’s where your sump pump comes in. This unassuming device can be the reason a minor leak doesn’t become a major insurance claim. We want homeowners to feel confident, informed, and protected—long before water becomes a problem.

Key Takeaways

• Your sump pump prevents basement flooding by actively removing rising groundwater.
• Seasonal tests and visual checks can extend the life of your pump and avoid costly damage.
• Professional installation and routine cleaning are essential for optimal performance.
• Consider power backups and alarm systems to prevent pump failure during storms.

What Does a Sump Pump Do?

A sump pump helps keep your basement dry by automatically pumping water away from your foundation when it rises to a preset level. It’s especially important in regions like the Okanagan where snowmelt, rainfall, and shifting groundwater levels can quickly overwhelm a home’s drainage system.

Here’s how it typically works:

• A sump pit is installed at the lowest point of your basement foundation.
• Water naturally flows to this pit—whether from heavy rain, melting snow, or groundwater seepage.
• When water reaches a specific height, the pump activates.
• It pushes water safely away from your home through a discharge pipe.
• The pump turns off automatically once the pit is sufficiently drained.

When well-maintained, this cycle can prevent thousands of dollars in damage and keep your home structurally sound.

How to Protect and Maintain Your Sump Pump

Staying ahead of water issues means keeping your sump pump in reliable working condition. Here are steps every homeowner should take to ensure long-term protection:

1. Know Its Lifespan—and Replace on Time

Most sump pumps last around 10 years, though heavy use can shorten their lifespan. Track the installation date and plan for replacement before problems start. If your pump is frequently running, showing signs of stress, or making unusual sounds, consider replacing it sooner.

2. Perform Seasonal Check-Ins

Spring and fall are the most critical times to test your pump. Spring melt brings large volumes of water, while fall freeze-thaw cycles can increase pressure on your foundation.

A quick seasonal review helps ensure:
• The pump activates properly
• The pit is free from excess water
• The discharge line is unobstructed

3. Start With a Simple Visual Assessment

Every few months, take a moment to look at:
• Whether water has overflowed onto the basement floor
• The condition of the electrical cord (never use a power bar or extension cord)
• Whether the pit is free of foreign objects

Because sump pumps operate in damp conditions, secure, direct electrical power is essential.

4. Test the Pump Yourself

Testing is simple and takes only a few minutes:
• Pour water into the sump pit until the float activates.
• Watch how quickly the pump removes the water.
• Confirm that the float switch engages and disengages smoothly.

If the pump doesn’t start running, the float switch may be faulty—one of the most common causes of pump failure.

5. Inspect the Discharge Line

Your pump can’t do its job if water has nowhere to go.

Check that:
• Water flows away from your foundation
• The exterior discharge pipe isn’t clogged by dirt, ice, or debris
• The line is angled to prevent water from freezing inside

Regular checks during the freeze-thaw months can prevent surprise backups.

6. Add a Sump Pump Alarm

A sump pump alarm alerts you if the water level inside the pit rises higher than normal. Modern versions can connect to your home security system or send notifications to your phone, giving you extra time to respond before water reaches your basement floor.

7. Consider a Backup Power Source

If your power goes out during a storm, your sump pump stops working unless it has backup power. Options include:
• A backup generator
• A battery-powered backup sump pump

Either option provides peace of mind during severe weather events that could otherwise leave your basement unprotected.

8. Ensure Proper Professional Installation

Even the best pump will fail if installed improperly. A professional ensures:
• The pit is correctly sized
• The discharge pipe exits at a safe distance
• The check valve is positioned correctly
• Power and drainage systems meet safety standards

Proper installation extends pump life and minimizes the risk of malfunction.

How to Clean Your Sump Pump

Regular cleaning keeps your sump pump functioning efficiently and reduces the chance of backups or premature failure. Plan to clean your pump at least once a year—ideally during a dry period when demand on the system is low.

Before You Start, Gather Supplies

You’ll need:

• A tarp or plastic sheet
• Tools for loosening debris
• A large bucket
• A hose
• A wet/dry vacuum

1. Disconnect the Power

Safety first: always unplug the pump or turn off the breaker before handling it.

2. Remove and Wrap the Pump

Lift the pump from the pit and place it on your tarp to keep the work area tidy.

3. Rinse the Pump and Remove Debris

Use your hose to loosen dirt and sediment. Any stubborn buildup can be gently removed with tools.

4. Drain the Check Valve

Place a bucket underneath, then open the valve to release any trapped water. This valve prevents water from flowing backward into the pit after pumping.

5. Remove Standing Water From the Pit

Use your wet vacuum to remove water and any debris remaining at the bottom.

6. Reinstall and Reconnect

Once clean and dry:

• Place the pump back in the pit
• Reconnect power
• Ensure the float moves freely
• Test the system once more with a small amount of water

Regular cleaning prevents the pump from straining and ensures consistent performance.

Stay Protected With Smart Water Prevention Strategies

Understanding how your sump pump works—and how to maintain it—can prevent costly water damage and protect your home year-round. If you’re ever unsure whether your pump is operating correctly, a professional inspection is a wise investment.

Our brokers can also help you review your policy’s water coverage and ensure you have the protection you need before a problem arises.

Have questions about your water loss coverage or home insurance options? We’re here to help. Contact us today to stay safe, dry, and confidently prepared.

The hidden risk behind everyday laundry – protect your home by maintaining and upgrading your washing machine hoses.

Homeownership comes with plenty of rewards — and responsibilities. Between mortgage payments, routine maintenance, and the odd weekend project, it’s easy to overlook small details that can have big consequences. One of the most common sources of unexpected water damage in Kelowna homes? Your washing machine hoses.

While we often focus on external water risks like heavy rain or flooding, internal leaks are surprisingly common. In fact, many costly home insurance claims begin with something as simple as a burst washing machine hose. We want homeowners to understand how to prevent this avoidable damage before it happens.

Key Takeaways

• Washing machine hoses are one of the most common causes of indoor water damage in homes.
• Rubber hoses should be replaced every 3–5 years; braided stainless steel hoses last longer and are more durable.
• Regular inspections can catch cracks, bulges, or leaks before they cause major damage.
• Turning off the water supply between washes reduces pressure and extends hose life.
• Most home insurance covers sudden water damage—but not gradual leaks from poor maintenance.

Why Washing Machine Hoses Matter

Your washing machine uses a significant amount of pressurized water each cycle. That water flows through two hoses — typically one for hot water and one for cold — which connect your machine to your household plumbing. These hoses are essential to your appliance’s function, but they’re also a weak point if they become worn, bent, or improperly installed.

A single compromised hose can leak hundreds of litres of water in a matter of minutes. If you’re not home to catch it, that water can quickly damage flooring, drywall, and baseboards — and even spread to lower levels of the home.

The Best Type of Hose for Your Washing Machine

Most new washing machines come with rubber hoses. While they’re inexpensive and easy to install, rubber degrades over time, especially under high water pressure or fluctuating temperatures.

For long-term peace of mind, we recommend upgrading to braided stainless steel hoses. These are more durable and resistant to bursts. The stainless-steel mesh exterior protects the inner rubber tube, significantly reducing the risk of leaks.

When purchasing braided hoses, look for:

• High-quality stainless steel – Cheaply made versions can still corrode.
• Elbow connectors – Hoses with a 90-degree elbow at the end prevent bending or kinking.
• Certified products – Check that the hoses meet Canadian safety standards.

If you’re unsure about installation, contact a qualified plumber or contractor. Proper connection is essential to prevent small leaks that could eventually turn into a major water loss.

How Long Do Washing Machine Hoses Typically Last?

Even the best hoses don’t last forever. Lifespan depends on water quality, usage frequency, and installation conditions, but here are some general guidelines:

• Rubber hoses – Replace every 3 to 5 years.
• Braided stainless-steel hoses – Replace every 5 to 7 years.

If you can’t remember the last time you changed your hoses, it may already be time. Keep track of installation dates so you know when replacements are due.

Common Causes of Leaks and Hose Failure

There are several reasons why washing machine hoses leak or fail over time. Recognizing them early can save you from costly water damage repairs — and potential insurance claims.

1. Natural Wear and Tear

Frequent use and constant water pressure cause gradual degradation. Rubber weakens, and even stainless steel can corrode or fray over many years.

2. Hard Water and Sediment

Kelowna’s water can vary in hardness, and mineral buildup can corrode the inner hose lining or block water flow. Sediment and scale can also build up around the connection points, weakening seals.

3. Incorrect Installation

Improperly connected hoses are a leading cause of leaks. If a hose is cross-threaded, twisted, or overly tightened, it can fail prematurely. Always check for secure, straight connections — not overtightened ones.

4. Kinks or Bends

Hoses that are crushed behind the washing machine can split or rupture under pressure. Leave a few inches of clearance between the appliance and the wall to avoid pinching.

How to Maintain Your Washing Machine Hoses

Performing regular checks on your washing machine hoses is simple and can prevent major issues later. Set a reminder to inspect them once a month. Here’s what to look for:

1. Visual Inspection

Look for visible wear, cracks, bulges, rust, or fraying. Any dampness, discoloration, or small water spots near the hose connections can be early warning signs.

2. Feel for Moisture

Run your hand along each hose to detect hidden leaks. A damp or sticky feel could mean the inner lining has already started to fail.

3. Check Connections

Ensure both ends of the hose are firmly attached and aligned. Loose fittings can cause slow leaks that go unnoticed until damage appears.

4. Turn Off Water Between Washes

When possible, shut off the water valves feeding your washing machine between cycles. This reduces the pressure on hoses and extends their lifespan.

5. Keep the Door Open After Use

After washing, leave the door or lid open for 15–30 minutes to let moisture evaporate. This simple step prevents mold, mildew, and musty smells in your machine.

6. Clean the Drain Pump Filter

Many modern washing machines have a small drain pump filter that collects lint, hair, and debris. Clean it every few months to ensure proper drainage and reduce pressure buildup in your hoses.

What to Do If You Find a Leak

If you notice a leak or bulging hose, turn off the water supply immediately. Then unplug the washing machine to prevent electrical hazards.

Next:

1. Inspect the hoses to identify the source.
2. Replace damaged hoses with high-quality braided steel versions.
3. Wipe down and dry affected areas to prevent mould growth.
4. If water damage has already occurred, contact your insurance broker for guidance on the next steps.

At Kelowna Valley Insurance, we’ve seen many homeowners deal with water damage that could have been prevented by a $30 set of new hoses. Replacing old or damaged hoses is one of the easiest home maintenance tasks — and one that can save thousands of dollars.

Water Damage and Your Home Insurance

Did you know that most home insurance policies cover sudden and accidental water damage, but not gradual leaks caused by poor maintenance?

That means if your washing machine hose bursts unexpectedly, your claim will likely be covered. But if the hose has been leaking slowly for months and the damage went unnoticed, coverage could be limited or denied.

Regular inspection and timely replacement are key to staying protected — both from physical damage and from claim disputes.

Keep Your Home (and Hoses) in Good Health

Preventing water damage doesn’t have to be complicated. By learning how your washing machine hoses work, maintaining them regularly, and knowing when to replace them, you can protect one of your most significant investments — your home.

If you have questions about how water damage fits into your home insurance policy, or if you want to make sure your coverage is sufficient, talk to one of our experienced brokers – we are here to help! We’ll review your current policy, explain what’s covered, and recommend affordable ways to strengthen your protection.

Protect Your Home Before Problems Start

Whether it’s a burst pipe, a leaky hose, or a flooded laundry room, water damage is one of the most common (and preventable) home insurance claims in British Columbia.

Contact us today to review your home insurance policy or get expert advice on protecting your home from unexpected water damage.

Visit us at Orchard Plaza or Glen Park Village — your trusted local insurance brokers in Kelowna since the 1970s.

Strata Insurance in BC: Protecting Your Home and Shared Property with Comprehensive Coverage

Strata living in BC – it’s so much more than just a shared roof. Across British Columbia, over 1.5 million people live in strata communities — from cozy duplexes and townhomes to high-rise condominiums and bare land stratas. Strata living offers many benefits: shared maintenance, community amenities, and often a lower-maintenance lifestyle.

But it also brings a unique set of responsibilities — especially when it comes to insurance. Owning a strata property means you’re protecting not just your own home but also your share of the entire complex.

We work with both strata corporations and individual owners to ensure their coverage is complete, cost-effective, and tailored to their unique property. Whether you own a single unit or help manage a multi-building strata, knowing how strata insurance works is essential to safeguarding your investment.

Key Takeaways

• Strata corporations must insure common property at full replacement value.
• Individual owners still need their condo (unit) policy for belongings, upgrades, liability, and deductible assessments.
• Deductibles on building policies can be substantial — owners should have coverage for these costs.
• Strata insurance needs vary based on property type, size, and bylaws.

How It Works: Strata Insurance in BC

When you buy into a strata property, you own your unit and a proportionate share of the common property — things like the roof, lobby, landscaping, and other shared spaces.

Under BC’s Strata Property Act, this shared ownership means insurance is split into two main areas:

1. Strata Corporation Insurance – Covers the building(s), common property, and common assets.
2. Individual Unit Owner Insurance – Covers your personal property, improvements, liability, and potential cost-sharing for building policy deductibles.

What the Strata Corporation Covers

Legally, the full replacement cost of common property gets insured by the strata corporation. This typically includes:

• The building(s) and structures identified on the strata plan
• Common areas like hallways, elevators, lobbies, gyms, and parking facilities
• Original fixtures in each unit (as defined in the bylaws)
• Upon request, common assets such as shared maintenance equipment and furniture can be included.
• Commercial General Liability (CGL) for injury or property damage claims involving common property

These insurance costs are paid from strata fees and are reviewed annually. Responsible strata councils commission updated insurance appraisals regularly to ensure coverage matches current rebuilding costs.

Your Personal Unit Policy – What It Covers

A common misconception among strata owners is that the strata corporation’s insurance covers everything. In reality, it does not protect your personal possessions or improvements.

Your unit policy should cover:

• Furniture, clothing, and electronics and portable appliances like washer, dryer and fridge for example
• Improvements and betterments made to your unit
• Your personal liability if you cause damage to another unit or the common property
• Deductible assessment coverage (for your share of building policy deductibles)
• Additional living expenses if your unit becomes uninhabitable due to a covered loss

Having this coverage ensures you’re not left paying out-of-pocket for damage, repairs, or legal costs.

Small Stratas Still Have Big Responsibilities

From a modest duplex to a three-unit townhouse strata, the corporation is legally required to insure the common property. Smaller stratas may operate informally, but they must still meet BC’s Strata Property Act requirements.

Bare land stratas can be misleading — the homes may appear like single-family dwellings, but the community often shares private roads, utilities, or green spaces. These shared elements still require strata corporation coverage, while each homeowner insures their dwelling separately.

Why Deductible Coverage Is Critical

Deductibles for strata building insurance are often much higher than homeowners expect — sometimes ranging from $25,000 to $100,000 or more. If damage originates from your unit, the strata corporation may require you to pay the deductible, even if the incident wasn’t intentional.

Without deductible assessment coverage in your personal condo policy, this expense would come directly from your savings.

Extra Coverages to Consider

Depending on location and risk factors, your strata corporation and your personal policy may benefit from additional coverage:

• Earthquake insurance – Vital in parts of BC prone to seismic activity, though it often comes with high deductibles.
• Overland flood insurance – Protects against water damage from heavy rain, snowmelt, or rising rivers/lakes.
• Sewer backup insurance – Covers damage from wastewater or sewage backing up into the building.

Best Practices for Strata Councils

• Update insurance appraisals every three years (and review coverage annually)
• Keep owners informed about changes in the building’s insurance policy or deductibles
• Create and maintain a preventative maintenance plan to reduce claims
• Consider bylaws requiring certain owner coverages, such as earthquake or deductible coverage

Best Practices for Strata Owners

• Request a copy of the building’s insurance declaration each year
• Keep a detailed inventory of your personal property and unit upgrades
• Ensure your unit policy includes deductible assessment coverage
• If you rent out your unit, carry landlord’s insurance and require tenants to have renters’ insurance

FAQ – Strata Insurance in BC

Q: Do I still need condo insurance if my strata has a building policy?
A: Yes. The building policy covers common property and original fixtures, not your personal belongings, upgrades, or personal liability.

Q: What happens if a loss starts in my unit but damages the building?
A: The strata corporation may require you to pay the building policy deductible, which could be tens of thousands of dollars.

Q: How do I know if I have enough coverage?
A: Review both your strata’s building policy and your personal policy with a licensed insurance broker to ensure there are no gaps.

Q: Are earthquakes and floods covered automatically?
A: No. These are often optional coverages with separate deductibles. Check your policy or speak with your broker to add them.

Work with an Insurance Broker Who Understands Strata

Strata insurance can be complex, but with the right guidance, you can make sure every risk is covered. We work with multiple insurers to find the most competitive rates and comprehensive coverage for both strata corporations and individual unit owners.

Whether you sit on a strata council or own a single condo unit, we can:

• Review your current policies for gaps
• Explain your coverage in plain language
• Provide quotes from multiple providers
• Offer fast, friendly, and local service

Protect Your Strata!

Your strata property is more than just a place to live — it’s a shared investment in your home and community. Protect it with the right strata insurance for both your building and your personal unit.

Contact us today or visit our convenient Orchard Plaza (two doors up from Winners) or Glen Park Village in Glenmore (behind the McDonalds restaurant) locations to speak with a licensed broker.

Drive with Confidence with Replacement Cost Insurance

Not all insurance is created equal when it comes to protecting your vehicle. We want to help you stay ahead of surprises—and depreciation is one of the biggest. If you’re in an accident and your car is a write-off, basic auto insurance only pays Actual Cash Value (ACV) — the market value of your vehicle at the time of the loss, factoring in depreciation. That’s often much less than what you paid for your car. That’s where Replacement Cost coverage comes in.

This essential add-on ensures you aren’t left in a financial hole after a total loss. Whether buying a brand-new vehicle or recently upgraded, Replacement Cost protection helps you recover the full value of what you had — not just what it’s worth today.

Key Takeaways

• Replacement Cost coverage pays for a brand-new equivalent vehicle — not depreciated value.
• Available through ICBC or private insurers, with longer terms from the private market.
• Designed for new or newer vehicles, typically within the first 3–5 model years.
• Provides financial protection for a write-off, theft, or unrecoverable damage.
• Talk to one of our brokers to review your eligibility and options.

Replacement Cost Coverage–What Is It?

Replacement Cost coverage (also known as Limited Depreciation Coverage or New Vehicle Protection) is an optional insurance add-on that protects your vehicle’s full purchase value in the event of a total loss claim, like a major accident, fire, or theft.

Instead of getting the current market value (which depreciates significantly, especially in the first few years), you receive enough compensation to:

• Replace your vehicle with a new model of the same make and trim, or
• Receive reimbursement for the original purchase price (depending on your policy terms)

This can save thousands of dollars — especially if your vehicle is only a few years old.

Why Depreciation is a Big Deal

Most vehicles lose a minimum of 15% to 20% of their value annually, sometimes more, depending on make, model, and market conditions.

Let’s say you purchased your new car for $50,000. Three years later, it’s written off after an accident. Without Replacement Cost coverage, your payout could be $30,000 or less, depending on mileage and wear. That gap — up to $20,000 — is yours to absorb unless you’re adequately covered.

Who Offers Replacement Cost Coverage in BC?

In British Columbia, Replacement Cost coverage is available from both ICBC and private auto insurance companies. Each has different rules and limits:

ICBC Replacement Cost Options

ICBC offers a Limited Depreciation Endorsement, which typically provides coverage for:

• Vehicles up to 2 model years old at the time the policy is purchased
• Coverage for up to 3 years from the date of vehicle delivery
• Payable only if the loss is covered under your collision or comprehensive policy

It’s a solid option for those with ICBC-only policies, but it tends to be more limited in term length.

Private Market Replacement Cost Options

Private insurers offer broader and often longer-term coverage — some plans extend up to 5 years or more, with eligibility for:

• Vehicles up to 3 model years old at the time of purchase
• Higher-value vehicles or specialty vehicles
• Enhanced flexibility in how the replacement value is calculated

These products are an excellent choice for drivers looking to get the most comprehensive protection for their investment. At Kelowna Valley Insurance, we work with several reputable private insurance providers to find the best match for your vehicle and budget.

Who Should Consider Replacement Cost Coverage?

If you:

• Own or lease a new vehicle
• Have a high-value or luxury model
• Want protection from financial loss after depreciation
• Are you financing your vehicle (and want to avoid paying off a loan for a totalled car)

Then, we strongly recommend Replacement Cost.

Without it, you risk walking away from an accident with a bill far greater than the value of your vehicle — or worse, still owing money on a car you can no longer drive.

Real-Life Example: Why It Matters

Imagine you buy a 2023 SUV for $48,000. Just two years later, it’s totalled in a winter collision. The actual cash value? Around $32,000 — and that’s what basic insurance would cover.

With Replacement Cost coverage, you’re eligible for a new 2025 SUV of the same model and trim, or reimbursement closer to the full $48,000 you spent initially.

That peace of mind is well worth it.

How to Add Replacement Cost to Your Policy

Adding Replacement Cost to your auto policy is easy with Kelowna Valley Insurance. As a full-service insurance broker in Kelowna, we:

• Compare ICBC and private market options
• Help determine your eligibility based on vehicle age and condition
• Explain the terms, duration, and benefits of each plan
• Customize your coverage to match your budget and driving habits

We’ve been helping Kelowna drivers since the 1970s and have the experience to guide you through the options clearly and confidently.

Let’s Review Your Options Together

Whether purchasing a new vehicle or renewing your existing policy, now is the perfect time to ask us about Replacement Cost protection. We’ll review your current coverage and make sure you’re fully protected against the risks of depreciation.

Visit us at either of our two convenient locations:

Orchard Plaza – two doors up from Winners
Glen Park Village in Glenmore – behind McDonald’s

Or give us a call — we’re happy to help you find the proper protection for your vehicle, your life, and your peace of mind.

Replacement Cost Coverage–Common Questions

Q: Is Replacement Cost available for used vehicles?
A: No. It’s typically only available for new vehicles within a few model years of purchase.

Q: Can I add it after I’ve already insured the car?
A: Yes, if your vehicle still meets the eligibility criteria. Ask us — we’ll check your options.

Q: Does it cost a lot more?
A: Not usually. It’s a small additional premium compared to the protection it provides.

Q: Is Replacement Cost the same as GAP insurance?
A: No. GAP covers the difference between your vehicle loan and its ACV. Replacement Cost covers the value of a brand-new vehicle or your purchase price.

Q: Do I need to go with ICBC or private?
A: That depends on your vehicle and needs. We’ll help you compare both options to get the best fit.

Ready to protect your investment the smart way?

Talk to us TODAY about adding Replacement Cost to your auto policy — and drive with peace of mind.

Protect your winter getaway with comprehensive holiday travel insurance.

Enjoy peace of mind with coverage tailored to your travel needs. Get a quote today!

As the holiday season approaches, the allure of a winter getaway becomes irresistible. Whether you’re dreaming of sun-soaked beaches, snow-covered ski resorts, or reconnecting with loved ones far from home, proper planning is essential to ensure your trip is memorable for all the right reasons. At Kelowna Valley Insurance Services, we know the importance of protecting your travel plans. That’s why we offer tailored holiday travel insurance solutions to give you peace of mind during your adventures.

Why Is Holiday Travel Insurance Essential?

Travel planning has grown increasingly complex in recent years, with health concerns, travel restrictions, and fluctuating schedules adding extra layers of uncertainty. Even the most well-prepared travellers can face unexpected challenges like flight cancellations, lost luggage, or medical emergencies abroad.

Holiday travel insurance is your safety net, covering unforeseen expenses so you can create lasting memories instead of worrying about potential disruptions.

What Can Holiday Travel Insurance Cover?

Our travel insurance options go beyond the basics to provide comprehensive coverage, including:

• Emergency Hospital and Medical Expenses: Protect yourself from costly out-of-province or out-of-country medical bills.
• Trip Cancellation and Interruption: Reimbursements for prepaid travel costs if you need to cancel or cut your trip short for covered reasons.
• Baggage Coverage: Compensation for lost, stolen, or delayed luggage.
• Annual Multi-Trip Plans: Ideal for frequent travellers, offering coverage for multiple yearly trips.
• Snowbird Coverage: Customized plans for extended stays in warmer climates.
• Non-Medical Coverage: Options include flight accidents and other travel-related incidents.

We work with multiple insurance providers to ensure you receive the best coverage at an affordable rate.

Tailored Insurance for Every Type of Traveler

The Weekend Warrior

If you’re taking a quick trip across the border, our single-trip insurance plans offer robust coverage for short-term travel. Protect yourself against unexpected medical emergencies or trip interruptions without overpaying for unnecessary extras.

The Family Vacationer

Travelling with your loved ones? Our family plans to cover the entire household, ensuring everyone is protected without needing separate policies.

The Frequent Flyer

Our annual multi-trip insurance is the perfect solution for those who travel multiple times a year. With one comprehensive policy, you’re covered for every adventure, whether a business trip or a last-minute holiday escape.

The Snowbird

Escape the winter chill with our snowbird insurance plans. Designed for long-term travellers, these plans include extended medical coverage to enjoy your warm-weather retreat worry-free.

Why Choose Kelowna Valley Insurance Services?

With over 50 years of experience serving the Kelowna community, we pride ourselves on delivering exceptional service and customized insurance solutions. As an independent broker, we have access to various insurance companies, ensuring you receive a policy tailored to your specific needs.

Our knowledgeable team is here to simplify purchasing holiday travel insurance. Whether you visit us at Orchard Plaza or Glen Park Village or purchase your policy online, we make securing the protection you need easy.

Quick and Convenient: Buy Travel Insurance Online

Travel insurance should be simple, not stressful. That’s why we’ve made it easy to get a quote and purchase coverage online. In just a few clicks, you can secure a policy that protects you against the unexpected, from medical emergencies to travel disruptions.

Travel with Confidence This Holiday Season

After waiting so long to explore the world again, don’t let worries about the unexpected ruin your plans. With Kelowna Valley Insurance Services, you can embark on your winter getaway knowing you’re protected by comprehensive, affordable travel insurance.

Visit us in person or ONLINE to find the perfect policy for your holiday travels. Let us help you make your winter adventure a safe and stress-free experience.

Commonly Asked Questions About Travel Insurance

1. Do I really need holiday travel insurance?

Yes. Without insurance, you could face significant out-of-pocket expenses for medical emergencies or travel disruptions, especially when travelling internationally.

2. What is covered under trip cancellation insurance?

Trip cancellation insurance typically reimburses prepaid, non-refundable expenses if you cancel your trip for a covered reason, such as illness, severe weather, or other emergencies.

3. How do I know which policy is right for me?

Our brokers can help you assess your travel plans and recommend a policy that fits your needs, whether a single-trip plan, annual multi-trip plan, or specialized snowbird coverage.

4. Can I purchase travel insurance online?

Absolutely! Get a quote and buy your travel insurance policy from the comfort of your home.

5. Does travel insurance cover COVID-19-related issues?

Coverage for COVID-19 varies by policy and provider. Speak with our brokers to ensure your policy includes protection for pandemic-related incidents.

This holiday season, let Kelowna Valley Insurance Services provide you with the peace of mind to travel confidently. Contact us TODAY or visit our website to get started on your tailored holiday travel insurance plan.