- What is the Canadian Snowsport Association (CSA)?
The Canadian Snowsport Association (CSA) is Canada’s National Ski Association and member of the International Ski Federation (FIS). The CSA membership consists of ten ski and snowboard disciplines, including Alpine Canada Alpin, whose mandate is the development of elite amateur athletes and the pursuit of excellence at national and international level competitions for all disciplines. Among many of CSA’s priorities, one of them is managing the Sport Accident, Liability, Directors & Officers and other insurance programs for all ACA and all other federations.
- What insurance does AOA membership include?
AOA/Alpine Canada Commercial General Liability (CGL) coverage is available to all levels of ACA and PSO membership while they are engaged in or performing sport-related duties. This includes training, competing, officiating, as well as volunteering in Sanctioned/Approved activities. The CGL policy protects ACA/PSO members against the risk of sums they may become legally obligated to pay as the result of bodily injury and/or property damage caused participating in club/provincial alpine association or Alpine Canada activities. The coverage includes the cost of investigating, defending and paying for any claim for injury or damage attributed to negligence on the part of the member or club/provincial alpine association or Alpine Canada or an authorized person acting on behalf of the club/provincial alpine association or Alpine Canada.
For the pre-approved venues and activities list, new activity and venue request form and the CGL Quick Sheet, please click here.
- What is the Sport Accident Insurance Policy?
Alpine Canada’s Sport Accident Insurance Policy (SAIP) is offered as insurance coverage to Alpine Canada members and is designed to cover costs incurred as a result of accident or injury that are not covered by provincial or private insurance. SAIP coverage is mandatory for FIS registered members. SAIP is also mandatory for all AOA athletes (who wish to train and race outside of the country in a sanctioned/approved activity.) To read more details about why the policy is mandatory, please click here for a memo from the Canadian Snowsport Association (CSA). For specific details on limits of the policy please click on the following link-: SAIP FAQ
There are 5 different classes of SAIP available to AOA members.
Class 1 – Mandatory for all national, development and provincial team athletes and coaches (alpine, para-alpine or ski cross) and for all international FIS/IPC licensed athletes and National Card members who travel out of the country (training or competition) for more than 30 days. Exc. FIS masters & national masters athletes. Recommended for coaches, masters athletes and discipline officials who travel out of the country for more than 60 days. Coverage is for consecutive days out of the country, return to Canada will reset the consecutive days traveled. Individuals can purchase additional out of country coverage up to 90 days.
SAIP Class 1 coverage can be extended to a maximum of 90 days out of the country with the purchase of additional weeks coverage. Additional weeks coverage MUST be requested prior to trip departure.
Class 2 – Included in registration for all international FIS/IPC licensed athletes and mandatory** for National Card members who travel out of the country (training or competition) for up to 30 days. This is increased to a max of 60 days where the athlete is listed with ACA as a student athlete attending a NCAA/US School. Exc. FIS masters & national masters athletes. Recommended for coaches, masters athletes and discipline officials who travel out of the country for up to 30 days. Coverage is for consecutive days out of the country, return to Canada will reset the consecutive days traveled.
This is increased to a max of 60 days where the athlete is listed with ACA as a student athlete attending a NCAA/US School.
Class 3 – Included in registration for all Canadian FIS/IPC Licensed athletes. Recommended for non-FIS/IPC athletes, coaches and discipline officials who travel outside of their home province but do not travel outside of Canada.
Class 4 – Mandatory** for all non-FIS athletes etc. masters athletes who travel to the U.S for training and competition. Recommended for coaches, masters athletes and discipline officials who travel to the U.S. Coverage is for one (1) single US trip per season, MAX 7 day duration. NOT VALID FOR TRAVEL OUTSIDE OF THE USA. Individuals who purchase SAIP Class 4 continue to have SAIP Class 3 coverage for the 19-20 season. A 2nd purchase of any single U.S trip in the same season is not available, upgrade to Class 1 or 2 is required.
Class 5 – Mandatory** for all non-FIS athletes etc. masters athletes who travel to the U.S for training and competition. Recommended for coaches and discipline officials who travel to the U.S. Coverage is for one (1) single U.S trip per season, MAX 14 day duration. NOT VALID FOR TRAVEL OUTSIDE OF THE USA. Individuals who purchase SAIP Class 5 continue to have SAIP Class 3 coverage for the 19-20 season. A 2nd purchase of any single U.S trip in the same season is not available, upgrade to Class 1 or 2 is required.
|Class 1||Mandatory for those FIS/IPC International athletes who will be of country training or racing for up to 60 days||Up to 60 days per trip from July 1, 2021-June 30, 2022||$TBC* or with a FIS International registration TBC|
|Class 2||Included with FIS/IPC International registration and mandatory for all other athletes training and or racing out of the country more than twice per season||Up to 30 days per trip from July 1, 2021-June 30, 2022||$TBC*|
|Class 3||Included with FIS/IPC Canadian registration and recommended for all other athletes who travel out of their home province but not out of the country||$TBC*|
|Class 4||For non-FIS age groups, single trip coverage for the US only||7 days||$TBC*|
|Class 5||For non-FIS age groups, single trip coverage for the US only||14 days||$TBC*|
*Please note that a $15 admin fee will be added to each SAIP category during registration.
To register for SAIP click here to login to your AOA account.
**For the 2021-2022 season (July 1st, 2021 – June 30th, 2022) ACA has implemented a waiver program for NON-FIS athletes TRAINING at international destinations. Non-FIS athletes may leave the country without the purchase of Alpine Canada’s SAIP program as long as the organizing entity i.e. host club, has completed and returned the executed waiver document for the camp in question. Any club who does not wish to execute the waiver program is required to ensure that every athlete has purchased the appropriate SAIP insurance policy through ACA, prior to departure.
ACA and the CSA will not sanction any international training without either return of the executed waiver or evidence of SAIP insurance coverage.
Athletes who have purchased SAIP 1,2,4 or 5 (out of country policies) are covered for accident or illness incurred whilst abroad and under the supervision of their coach or team leader. This extends past direct on-hill or dryland training however does not include activities identified on the non-approved activities list. i.e. high-risk activities, waterskiing, wakeboarding, skydiving etc.
- Who should I speak to if I have questions about the SAIP program?
Please contact Robyn Skinner at AOA firstname.lastname@example.org or 705-444-5111 x 128.
- Do I require other trip insurance other than SAIP?
SAIP covers athletes from the day of departure from their home province until their return (within the limits of each Class). Ski-specific incidents, as well as off hill incidents, are covered. Specifics can be found by clicking here. Collect call numbers for claims worldwide can be found here.
ACA does, however, recommend an additional policy if the limits included with the SAIP program are not high enough for a members liking. As an example, SAIP will only cover Physiotherapy, Athletic Therapy ($40/treatment, max of $1,000).
SAIP insurance does not cover classic travel insurance components such as lost baggage or trip cancellation. The CSA recommends that if individuals would like a more significant travel policy that they purchase this but often times this level of coverage can be found on all major credit cards.
- In the event of a claim, are you required to declare other insurance coverage you may have?
The coverage is excess any other valid and collectable insurance and in the event of a claim, you may be asked for details of any other excess Hospital/Medical or Travel insurance you may carry, including premium Credit Card coverages.
- How do I sanction a camp/event/race?
AOA member clubs must have all regular club activities including weekly training, social events and races sanctioned by AOA. Click here and search for the AOA Event Sanctioning Form CLUBS section in Resources. Please update as you add more events to your calendar. This form is also submitted as a part of the club sanctioning process.
ACA must approve all out of country camp requests. Please submit sanction request a minimum of 2 weeks prior to camp for approval. Click here for the sanction form.
If your club or destination venue requires a physical certificate of insurance for your camp or event, complete this form and ACA will charge you $30 for the service. Please note that all athletes must have relevant SAIP coverage for the camp sanction to be approved.