Our Critical Illness Plan is a financial tool designed to make the application and purchasing process easy for Canadians in Manitoba looking for effective critical illness insurance coverage.

The key benefits of our Critical Illness Plan include:

Medical exams are not required

We removed the requirement for medical exams from our application process because we want as many residents in Manitoba as possible to have access to suitable protection.

There are no face-to-face meetings with agents.

The application process for our plan does not require appointments with agents. To get free quotes and see your plan options and make a purchase, you only have to use our short online application.

Protect the financial future of your family

The plan provides up to $25,000 in entirely tax-free living benefit amounts that help you and your family carry on after a diagnosis.

Over 20 critical illnesses covered

Get financial peace of mind for a number of covered conditions, like cancer, heart attack, and stroke.

Guaranteed approval

We only have two simple requirements: be between 18-69 and have a permanent residence in Manitoba.

No Paperwork Required

Applying for coverages doesn’t require you to complete any paperwork to be eligible.

Money-back guarantee

All our plans have a 30-day money-back guarantee. If you are not completely satisfied, return your policy, and you will get a full refund.

The Critical Illness Plan’s covered conditions
Our plan offers Manitobians complete coverage for up to 21 debilitating conditions and partial coverage for three others.
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

If you are interested in acquiring the Critical Illness Plan in Manitoba,
complete our application form to get a free no-obligation quote and discover your plan options 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.