How to report a claim
We know it's not fun, that's why you have us
How to report
a claim
Insurance is security, yet when an unforeseen and frankly, unwelcome loss occurs, you’re seeing your policy at work often for the first time. Our claims experts are here to support you.
When unwanted incidents occur, our Western Coast team understands what a claim feels like, challenging and stressful. Our adjustors are there when it matters, that’s our promise to you.
We’re not just about providing you the right security; know that we’re committed to serving you a professional claims experience. We care for your needs and want to see you return to normal.
We’ve designed modern processes to serve you 24/7. That’s just the Western Coast level of service and how insurance meets simplicity.
Claims process
After a claim has occurred, we know your safety is your immediate priority.
Once you are able to do so, your first point of contact should be your Western Coast advisor. We’ve provided another option for you as well. Our Customer Contact Centre team is available to assist you at 1-888-517-7171 between 8:30 a.m. and 5:30 p.m. PST Monday to Friday and 9 a.m. to 5 p.m. PST Saturday.
In knowing the severity of your situation, we will provide the best person with the right knowledge to settle your claim.
After-hours /Emergency
Toll-Free
Incidents don’t always happen during business hours — no worries.
We have options outside of our hours of operation, it’s the same number — just follow the prompts for the emergency claims line. A team of independent insurance professionals are ready to review your details and expedite the claim.
Emergency roadside assistance
Western Coast Auto Emergency Roadside Assistance
For emergency roadside assistance, available 24 hours a day, please contact Road Canada at: 1.888.702.9753
ICBC Claims
For car or motorcycle claims under ICBC insurance. Contact ICBC.
How to report a travel insurance claim
(through Tugo)
Visit www.tugo.com/en/claims/ for claim details or in the event of hospitalization, call claims at TuGo immediately:
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From Canada & USA: 1.800.663.0399
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From Mexico: 001.800.514.9976 or 001.800.681.8070
- Outside N. America & Mexico (global toll-free): 1.800.663.00399
If you cannot reach us using the numbers listed above, call us collect at 1.604.278.4108 and we will reimburse the charges incurred when making this call. Tell the Canadian or local operator you wish to make a collect call to Canada at 604.278.4108 for hospitalization or to make a claim.
Western Coast Insurance Services Ltd. is a wholly owned division of Western Financial Group Ltd. Insurance products are underwritten by certain licensed insurance companies and are only available throughout British Columbia, Canada.
2026 Western Coast Insurance Services Ltd. All rights reserved.
Western Coast Insurance Services Ltd. acknowledges that we operate across the traditional, ancestral, and unceded territories of the numerous distinct First Nations in British Columbia. These territories include the lands of the Takla, T’exelcemc, Esquimalt, Musqueam, Nlaka’pamux, Ktunaxa, Haida, and many other Nations who have cared for these lands since time immemorial, and we reaffirm our commitment to fostering respectful relationships rooted in truth and accountability to support the ongoing work of reconciliation.