Hospitalization Accident Coverage

Covers you for ANY accident, regardless of occupation or hobbies!
Premiums start at $14/month

Accidents don't knock on the door before they come in ...

What are the Benefits of owning a plan like this?

Cash in pocket when you need it the most!

No Medical Exams or Health Questions

Your Health will not affect the eligibility or your premiums. You cannot be denied coverage under this policy due to your health or previous injuries!

Coverage 24/7
Canada & U.S.

You are covered at work, at home at play and anywhere in between - in Canada and or the United States.

Very few exclusions

Almost instant approval for up to $300/day in coverage for Canadian Residents between the ages of 6 months & 69 years

Own the policy until 85 years old

Unlike, Group Insurance, you "own" this policy until you are 85 years old.

Pays in addition to any other benefits

It doesn't matter if you have Worker's Compensation, group benefits or any government employment insurance, these benefits pay in addition.

Premiums cannot be increased

Your premium cannot be cancelled or increased due to the number of claims you make.

Family Plans increase savings

Whether you have 2 kids or 10, the premium stays the same and every child born into the family is grandfathered in at no extra cost

Extreme sports are covered

It doesn't matter if you have Worker's Compensation, Group Benefits or any government employment insurance, we pay in addition to those.

No waiting period

Tax free benefits are paid starting the very first day of your accident, with no waiting periods.

Coverage for all types of occupations and hobbies!


Most frequent questions and answers

You can own an individual policy between the ages of 6 months and 69 years old.  When getting a family plan, the children need to be between 15 days old and less than 18 years old.  Children born into a family plan are “grandfathered” in.

You must be a Canadian citizen or landed immigrant who maintains a permanent residence in Canada. You must read and speak English or French, and  be between 18 years and 69 years.

At the age of 25 years a child in the family plan will be able to convert their plan to an individual plan

No.  The company cannot increase your premium due to the number of claims you file. 

The policy terminates at age 85. 

Daily Hospital Benefit for up to 365 days per accident.  Benefit between $75 and $300 per day can be chosen.  (In $25 increments)  Premium is adjusted depending on the benefit chosen. 


Daily Intensive Care Benefit for up to 365 days per accident, paid IN ADDITION to the daily hospital benefit.  Benefit between $300 and $1200 depending on plan chosen. 


Daily Recovery Benefit following Hospital confinement of a minimum of 10 days – where you can recover at home or at work.  When hospialized for more than 3 days, recovery is up to 3X the number of days hospitalized.


Outpatient Surgery or Fracture Recovery benefit of up to 14 days.  Top plan pays up to $4200


Ambulance Reimbursement between $150 and $600 depending on plan you choose.  

Premiums are based on the benefit selected at time of application as well as whether it is an Individual or a Family plan.  

Yes, participating in any sport or occupation does NOT exclude you from the protection provided by the features of this plan. 

Pre authorized withdrawal from a checking account is set up during the application process for the initial premium which comes out within 3 – 5 days of application submission and the recurring premium which comes out on the selected preferred billing date. 

We are here to support you for the lifetime of you owning policies with us!