Get personalized advice

Critical Illness Insurance

This insurance provides financial assistance so you can maintain your standard of living and focus on recovery in the event of a diagnosis of critical illness. Insurance created with you in mind.

What is critical illness insurance?

Being diagnosed with an illness is something that can have a negative impact on your personal and family finances. Critical illness insurance provides you with financial assistance so you can maintain your standard of living and focus on what matters—recovery.

Our products cover the critical illnesses that affect Canadians the most. If you are diagnosed with a critical illness that is covered by your policy, you will receive a tax-free lump sum payment to help you cover the costs of the illness. You can use the money as you see fit, without having to justify how you spend it!

Critical illness insurance benefits:

  • The benefits you receive are not taxable
  • You do not need to justify how you spend the money—you can use it as you see fit
  • It helps you cover additional expenses caused by the illness (medications, adapted equipment, experimental treatments not covered by public health insurance, rehabilitation costs and other private medical expenses)
  • It helps you cover your financial commitments if you experience a decrease or loss of income
  • You can use the money for home care for you and your family, such as meal preparation and homework help
  • You can use the money to provide some financial flexibility as you recover so that you can work part time or extend your sick leave to take some time for yourself

Coverage adapted to your needs


This insurance offers a number of coverage options depending on your needs. It covers diseases such as cancer and stroke, but also other conditions such as paralysis, various childhood conditions, and loss of autonomy. Make sure you are fully covered with Transition.

Find out about Transition

Cancer Guard

Cancer Guard is a simplified issue product designed to protect your finances if you are diagnosed with cancer. No medical exams or blood tests are required for this insurance. You just need to answer a few questions to confirm your eligibility.

Find out about Cancer Guard

Kiddy Plan (free)

Kiddy Plan is a free 12-month coverage plan for children ages 2 to 5. It provides you with a tax-free lump sum to help you care for your child if they are diagnosed with a critical illness. It’s quick and easy to sign up online and only takes a few minutes.

Find out about Kiddy Plan

Compare our critical illness insurance products

Transition – 25 Illnesses Transition – 4 Illnesses Cancer Guard Kiddy Plan (free)
Age of eligibility 0–65 0–65 0–65 2–5
Insurance amount $10,000 to $2,500,000 $10,000 to $2,500,000 $5,000 to $150,000 Up to $2,000
No medical exam
Ability to sign up online
Non-taxable compensation
Illnesses covered 25 illnesses + 5 childhood illnesses 4 illnesses + 5 childhood illnesses Most cancers -
Coverage term 10/20/25 years, to age 75, or for life 10/20/25 years, to age 75, or for life 10/20 years or to age 75 12 months
Free service: medical second opinion (MediGuide)
Your policy may contain additional details and exclusions. The provisions in your policy prevail over any coverage mentioned on this page.