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Critical Illness Insurance 101

Critical Illness Insurance is not as well-known as Life Insurance, but it should be!  It provides a lump sum payment if you are diagnosed with a covered illness so you can worry less about finances and just focus on your recovery.


The lump-sum payment received from Critical Illness Insurance can provide relief by helping you with medical care (the Canadian government may not cover all these expenses), bringing in additional help at home while you’re undergoing treatment, replacing any lost income, paying your mortgage or bills, alternative treatments or really anything that will make your recovery easier.


We have partnered with leading Canadian providers to offer you:

Guaranteed Acceptance Critical Illness Coverage

Some products offer instant approval for up to $25,000 in coverage for Canadian residents between the ages of 18 to 69.

No Medical Exams Required

We offer no-questions asked coverage, as well as plans that may be more affordable or offer higher coverage amounts if you are willing to answer a few simple health questions. 

Coverage for most common Critical Conditions

Our Insurance Specialists can get you protected with a Cancer and Cardiac policy that covers the 8 conditions that make up 90% of Critical Illness Insurance claims and include:

  • Heart Attack, Valve Replacement, Aortic Surgery, Stroke, Coronary Artery Bypass Surgery

  • Cancer, Aplastic Anemia, Benign Brain Tumor

We also offer a more comprehensive plan that provides coverage for over 24 Critical Conditions* and is available fully online.  


Full benefits are payable for the following conditions:

  • Alzheimer’s disease, Motor Neuron disease, MS, Parkinson's disease

  • Aorta surgery, Coronary artery bypass surgery, Heart attack, Heart valve replacement

  • Benign brain tumour

  • Blindness, Deafness, Loss of speech

  • Cancer

  • Coma, Paralysis, Stoke

  • Dismemberment 

  • Major organ failure, Major organ transplant,

  • Occupational HIV

  • Severe burns


Limited covered conditions include:

  • Ductal Carcinoma In Situ (DCIS) - 20% of your CI coverage amount up to a maximum of $20,000 

  • Early Stage prostate cancer - 20% of your CI coverage amount up to a maximum of $20,000

  • Loss of independence - 25% of your CI coverage amount


Easy Online Application– Get Instantly Approved

Regardless of whether you prefer the self serve option or you book a virtual meeting with one of our Specialists, we use a simple online application process that provides quick approval.


Second Event Benefit – Continued Protection After a Claim

Your coverage doesn’t have to end once you’ve made a claim. The second event benefit continues your policy after a claim, for ongoing protection against select conditions*.


30-Day Money Back Guarantee

If you are not absolutely satisfied with your plan, let us know and receive a full refund.

*See sample policy for complete details

Heard enough and ready to get covered?

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