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Accidental and Sickness Insurance

All-in-One Coverage for Life’s Unexpected Moments

Short-term financial support for health-related interruptions.

Sometimes life throws curveballs—a sudden illness, a fractured wrist, or even a viral infection can temporarily take you out of work. While it may not be long-term, losing your income for even a few weeks can strain your finances.

Accident & Sickness Insurance offers short-term income replacement if you're unable to work due to a non-critical illness or accidental injury. This type of coverage is ideal for individuals who don’t qualify for traditional disability insurance or want temporary protection without the long wait times or lengthy commitments.

This policy is especially valuable for self-employed workers, seasonal workers, or individuals in physically demanding jobs who don’t have access to group benefits or employment insurance.

What Does It Cover?

    Accident & Sickness Insurance pays a weekly tax-free benefit if you are:

  • Injured in an accident (e.g., sprains, fractures, burns, falls)
  • Temporarily unable to work due to illness (e.g., flu, infections, surgery recovery)
  • Hospitalized due to sickness or injury
  • Requiring rehab, physiotherapy, or short-term recovery support

    • Depending on your policy, this benefit can continue for up to 2 years, with options to choose your benefit amount and waiting period (usually as short as 0–7 days).

How Does It Work?

You select a plan that matches your needs, including:

Weekly benefit amount (typically $300 to $1,000 per week)

Waiting period before payments begin (e.g., 0 days for accidents, 7 days for illness)

Benefit period (commonly 13 weeks to 104 weeks)

If you get sick or injured, you submit medical documentation confirming your inability to work.

Once your waiting period ends, weekly tax-free payments begin, continuing until:

You return to work,

or You reach the end of your benefit period, whichever comes first

This ensures you still have income while recovering—without dipping into savings or going into debt.

Why Choose Accident & Sickness Insurance?

  • Offers faster and shorter-term protection than long-term disability policies
  • Easier to qualify for— minimal health underwriting and no medical exams required for some plans
  • Excellent for seasonal or contract workers who aren’t eligible for employer plans
  • Helps fill gaps when EI sickness benefits or provincial coverage isn’t enough
  • Ideal as a bridge policy while waiting for long-term disability to begin

Who Should Consider This Insurance?

  • Self-employed or freelance workers without employee benefits
  • Tradespeople and manual labourers at higher risk of injury
  • Newcomers, students, or workers on permit status without provincial benefit access
  • Anyone with financial obligations who can’t afford to miss even a few weeks of income
  • People in physically intensive roles like warehouse workers, delivery drivers, or personal care aides

Key Features and Benefits

  • Weekly tax-free payments up to $1,000 per week
  • Short waiting periods (0–7 days)
  • Benefit periods of 13, 26, 52, or 104 weeks available
  • Combines both illness and accident protection
  • Easy approval process with limited medical questions
  • Can be combined with other insurance products (e.g., critical illness, disability, or health & dental)
Keep your finances healthy while your body recovers.

We’ll help you design a short-term protection plan that matches your job, risk level, and budget. Whether you want basic backup coverage or a tailored weekly benefit, we’ll walk you through your options and get you covered—fast.