Our plans have a straightforward goal, to help residents in Alberta get the coverage they need to protect the future of those who matter most to them.
Critical Illness Plan coverage benefits.
Guaranteed Critical Illness Plan
Regardless of your health status, approval is guaranteed. You only must be between 18 to 69 years old and have a permanent residence in Alberta.
Forget about medical exams
If you’ve ever been denied coverage because of your health, you can still get covered with our plan.
Coverage for various conditions
We provide financial protection if you are diagnosed with one of our over 20 covered illnesses.
Instant coverage
The plan will be active immediately after you have completed your application process.
Second event benefit
Your coverage continues even after a claim, giving you ongoing coverage for other conditions.
30-day money-back guarantee
If you are not satisfied with your plan, let us know and receive a full refund.
No in-person meetings
From getting a free quote to learning about your options and making a purchase, every step does not require any paperwork or face-to-face meetings with agents.
Covered conditions
Our Critical Illness Plan offers full coverage for up to 21 severe conditions and partial coverage for three illnesses.
See the full breakdown of our covered conditions now.
- Alzheimer’s disease
- Aorta surgery
- Benign brain tumor
- Blindness
- Cancer
- Coma
- Coronary artery bypass surgery
- Deafness
- Dismemberment
- Heart attack
- Heart valve replacement
- Loss of speech
- Major organ failure
- Major organ transplant
- Motor neuron disease
- Multiple sclerosis
- Occupational HIV Infection
- Paralysis
- Parkinson’s disease
- Severe burns
- Stroke
- DCIS
- Early stage prostate cancer
- Loss of independence
We have helped many Canadians in Alberta find the right Critical Illness Plan that fits their needs.
If you would like to get started, discover your plan options, and purchase your plan, please complete our short online form now.
Find out more about our plan details:
All claims are subject to a 30-day survival period following a diagnosis. Death that occurs during this time will not result in payable benefits.
Benefits will not be paid for insured conditions, child insured conditions or additional benefit conditions caused directly or indirectly, by or contributed to by any of the following:
- Suicide or any intentionally self-inflicted injury, while sane or insane;
- Declared or undeclared war, terrorism, riot, insurrection, service in the armed forces of any country or government or international organization;
- A complication of Human Immunodeficiency Virus (HIV) infection or any variance thereof including AIDS and AIDS related complex;
- Committing or attempting to commit a criminal offense, or while in prison; or
- The misuse of medication, the abuse of drugs/intoxicants, or from having a blood alcohol level of 80 milligrams of alcohol in 100 milliliters of blood.
Pre-existing Condition Exclusion
Benefit will not be paid for any pre-existing condition.
Within the first 2 years: an insured condition such as, for example, a heart attack, will not be covered if it was caused by a pre-existing condition such as, for example, hypertension. After 2 years, this exclusion will no longer apply.
90-Day Cancer Exclusion
Benefits will not be paid of any amount for cancer, early-state prostate cancer treatment of DCIS for a period of 90 days from the effective date of the policy or the date of its reinstatement, whichever is sooner.
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