CAA Critical Illness Insurance – CAA North & East Ontario

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Ensure you have comprehensive coverage and enjoy peace of mind, knowing that you're ready for any surprises that come your way.

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Amongst the most comprehensive critical illness insurance products in Canada

What is critical illness insurance?

Critical illness insurance is all about supporting you when you need it most. If you suffer a severe health crisis, such as a heart attack, stroke, or cancer, critical illness insurance can provide a lump-sum payout that can be used for various needs, including medical expenses and lost income. It's a reliable way to help ensure that you -- and your family -- are well taken care of during challenging times.

CAA Member perks:

Exclusive member pricing: Save 10% off your rates!
44 conditions covered, among the most of any Canadian insurer
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Call 1-866-714-9007

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Why choose CAA Critical Illness insurance?

Amongst the most comprehensive products in Canada

Get covered for 44 conditions; 27 critical illnesses and 17 early-stage conditions.

Customizable coverage that fits your needs

Select terms from 10 to 30 years with coverage amounts from $10K to $1M.

Expert advisor support when you need it

A team of trusted, non-commissioned licensed advisors are here to help you along the way.

Simple and modern process

You can easily complete your application in just 20 minutes and activate your coverage online - all from the comfort of your own home.

Two-in-one application

Apply for Critical Illness Insurance and discover if you're eligible for Term Life Insurance in a single application.

Get a no-obligation quote in 60 seconds or less

Get a quote online or speak with an advisor.

Which critical illnesses are covered with CAA Critical Illness insurance?

CAA Critical Illness Insurance, provided by Securian Canada, provides coverage for a wide range of conditions. It can cover cancer, Alzheimer's disease, a heart attack, stroke and more. For a full list click here.

Who should get critical illness insurance in Canada?

Whether you have a family or live independently, unexpected medical expenses or time off work can be costly. Critical illness insurance can help you focus on your recovery while receiving financial support for both you and your loved ones.

Consider adding this valuable protection if you are:

A parent or responsible for dependents
Employed without benefits or have limited benefits
Self-employed
Are without additional health insurance or other sources of income
Tied to a set income

Get your quote online

Get estimated rates for a variety of lengths and coverage amounts. No commitment required. Apply when you’re ready.

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Get personalized advice

A team of non-commissioned, licensed advisors are here to help you. Call us anytime between Monday-Friday from 8:30AM-8:00PM EST at 1-866-714-9007 or schedule a call.

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Insurance that’s easy to get and even easier to use

Discover insurance that's not only easy to obtain but also incredibly user-friendly. Obtain your personalized quote, complete your application, and activate your coverage through our convenient online platform.

1. Check your eligibility in just a few minutes

Answer a few simple questions about your health and lifestyle, and instantly discover if you're approved. If we require additional information, we’ll let you know.

2. eSign and activate your coverage

Take your time to thoroughly review your contract and familiarize yourself with all the terms and conditions of your plan. When you're ready, simply eSign and add your payment details. If you need assistance, licensed advisors are available to assist you five days a week.

3. Complete a claim form

Experience fast and efficient financial relief. If you're diagnosed with one of the covered conditions, a team is fully prepared to assist you throughout the entire claims process. Additionally, with CAA Critical Illness insurance, 25 out of the 44 covered conditions have no waiting period.

4. Receive your living benefit

Upon review and approval of your claim, you'll receive a lump-sum tax-free payment to provide you with the necessary financial support during your recovery.

How does CAA Critical Illness insurance compare?

	CAA Critical Illness Insurance	Other Critical Illness Insurance
Application process	Apply online and get approved and covered in as few as 20 minutes. Expert advisor support is available when needed.	Generally need to meet or call with an advisor and submit a paper application.
Conditions covered	44 conditions covered	20-30 conditions covered (on average)
Coverage amounts offered	$10,000 to $1M	$25,000 to $2.5M (on average)
Coverage lengths offered	10, 15, 20, 25, or 30 years	Usually 10 or 20 years, or until age 70 or 75
Fully-covered severe conditions	27 severe conditions	Usually 24-26 severe conditions
Partially-covered early-stage conditions	17 early-stage conditions	Usually 0-8 early-stage conditions
Payout details	Lump-sum tax-free payout	Lump-sum tax-free payout
Fixed-rate	Yes	Yes
Convertible	Yes	Yes
Two-in-one application	See if you’re eligible for critical illness insurance and term life insurance in a single application	Usually requires separate applications

^{*Comparison as of January 1st, 2024.}

How much coverage should I get?

The simplest answer to this common question is that you should get insurance based on your savings and level of financial wellbeing and responsibility. For example, a healthy financial situation would be three to six months' worth of after-tax income in savings to get you through tough times.

To decide how much coverage you need, it’s best to think about how much you contribute to support your family, both financially and physically. Even if you're not the primary household earner, your family may still rely on both you and your income and need that extra financial support for things like childcare while you’re recovering. Even without dependents, you may need additional support, whether you are self-employed or not.

If you're still not certain about the coverage level you should get, you can speak to a licensed, non-commissioned advisor to help you determine your ideal coverage amount.

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FAQ: Critical illness insurance in Canada

How is a ''critical illness'' defined?

A critical illness refers to a serious and often life-threatening medical condition that is specifically defined in the insurance policy. These conditions typically include major health issues, such as a heart attack, stroke, cancer, organ transplant, kidney failure, and other severe medical events.

It's important to note that the specific illnesses covered and their definitions can vary significantly between different insurance providers. Take the time to carefully review the terms, conditions, and coverage details to understand what critical illnesses are included. Also, be aware of any waiting periods that might apply, as well as any exclusions or limitations.

Remember...

It's always a good idea to review your insurance plan to ensure you have the coverage you need for peace of mind. If you have any questions, don't hesitate to reach out to a licensed insurance advisors for further clarification.

What is the purpose of critical illness insurance?

Critical illness insurance is specifically designed to offer you and your family a reliable financial safety net in the event of a serious health diagnosis. It can provide invaluable assistance in managing the financial challenges associated with medical treatment, recovery, and necessary lifestyle adjustments that often accompany critical illnesses.

What illnesses are covered by critical illness insurance?

Critical illness insurance policies can differ in terms of the specific illnesses they cover. However, most policies typically include common critical illnesses like various cancer, heart attack, and stroke. With CAA Critical Illness insurance, you get coverage for 44 conditions, which is amongst some of the most comprehensive coverage in Canada.

It's important to keep in mind that coverage may vary among insurance providers, so it's always a good idea to chat with an insurance advisor. They can help you understand exactly what's included, what's not, and any other specific terms.

What is a ''waiting period'' for critical illness insurance?

This refers to the specific timeframe that needs to pass after the diagnosis of a covered critical illness before you can submit a claim. The waiting period may vary depending on your insurance provider, the covered condition, and the terms of your plan. Usually, this period ranges from 30 to 90 days, but it can be longer in some cases. The good news is that with CAA Critical Illness insurance, you won't have to wait for more than half of the covered conditions.

How much does critical illness insurance pay?

The benefit you can receive from your critical illness insurance is based on the coverage amount you selected when you activated your plan. Various insurance companies provide different coverage options, typically ranging from $10,000 to $1 million in Canada.

How is the critical illness insurance benefit paid?

In Canada, critical illness insurance is usually offered as a lump-sum payment to planholders who are diagnosed with a covered critical illness and meet the conditions specified in the insurance plan.

Can you cancel critical illness insurance?

Absolutely! With CAA Critical Illness insurance, you can cancel your plan if needed. Plus, if you decide to cancel within 30 days of activating your critical illness plan, you'll receive a full refund of any premiums paid. Even if you cancel after this initial 30-day period, you'll still be eligible for a pro-rated refund of prepaid premiums.

The best part? No cancellation fees or penalties will be charged. We're here to make sure you have the coverage that suits your needs.

What illnesses are covered by CAA Critical Illness insurance?

Aplastic Anemia
Multiple Sclerosis
Occupational HIV Infection
Endovascular Aortic Surgery
Coronary Angioplasty
Aortic Aneurysm (of specified severity)
Implantation of a Permanent Cardiac Pacemaker
Implantation of a Permanent Implantable Cardioverter-Defibrillator (ICD)
Cancer of Specified Severity
Early-Stage Breast Cancer - Carcinoma In-Situ (CIS) of the Breast Treated with Total Mastectomy
Early-Stage Prostate Cancer - Prostate Cancer Treated with Radical Prostatectomy
Early-Stage Blood Cancer - Chronic Lymphocytic Leukemia - Stage 0
Early-Stage Breast Cancer - Carcinoma in-Situ (non-invasive cancer)
Early-Stage Intestinal Cancer – Gastrointestinal Stromal Tumours (GIST)
Early-Stage Prostate Cancer – Prostate Cancer (Stage T1a or T1b)
Early-Stage Skin Cancer – Dermatofibrosarcoma
Early-Stage Skin Cancer - Primary Cutaneous Lymphoma
Early-Stage Skin Cancer – Malignant Melanoma
Early-Stage Thyroid Cancer – Papillary Thyroid Cancer or Follicular Thyroid Cancer
Other Forms of Cancer - Carcinoma in-Situ (non-invasive cancer)
Other Forms of Cancer – Neuroendocrine Tumours (including carcinoid tumours)
Aortic Surgery
Cardiomyopathy
Coronary Artery Bypass Surgery
Heart Attack
Heart Valve Replacement or Repair
Benign Brain Tumour
Motor Neuron Disease (including ALS)
Acquired Brain Injury
Bacterial Meningitis
Coma
Dementia, including Alzheimer's Disease
Paralysis
Parkinson's Disease and Specified Atypical Parkinsonian Disorders
"Stroke (cerebrovascular accident resulting in persistent neurological deficits)”
Blindness
Deafness
Loss of Limbs
Severe Burns
Loss of Independence Existence
Loss of Speech
Kidney Failure
Major Organ Failure (on Waiting List)
Major Organ Transplant

As an existing policyholder, how do I submit a claim for Critical Illness Insurance?

For Critical Illness Insurance coverage purchased after December 31st, 2023, you can contact service@caa.securiancanada.ca or call 1-866-714-9007 (Monday to Friday 8:30AM to 8PM EST) to speak to an advisor and start your claim.

For 1-Year or 5-Year Term Life Insurance Certificates with Critical Illness Insurance riders purchased purchased prior to January 1st, 2024, you can contact memberservice@securiancanada.ca or call 1-866-714-9007 (Monday to Friday 8:30AM to 8PM EST) to speak to an advisor and start your claim.

For all other Critical Illness Insurance policies purchased prior to January 1st, 2024, you can contact am_caa@manulife.com (for English service), am_caa@manuvie.com (for French service) or call 1-877-261-8222 to start your claim.

Still have questions? Speak to a non-commissioned advisor at 1-866-714-9007 Monday-Friday between 8:30AM-8:00PM EST.

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If you are an existing life, health and dental policyholder with Manulife, please click on the self-serve portal link below for information about your policy or to access forms or call Claims & Customer service numbers English: 1-877-261-8222, French: 1-877-273-1222. http://www.caalifeandhealth.ca/

_{Securian Canada is the brand name used by Canadian Premier Life Insurance Company and Canadian Premier General Insurance Company to do business in Canada. Policies are underwritten by Canadian Premier Life Insurance Company.}