Critical Illness Insurance

Critical Illness Insurance delivers peace of mind by offering coverage against significant health setbacks. Shield yourself with a policy that assures benefits, securing financial stability during challenging times, allowing you the peace to heal.

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4.8 Stars
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Our Reviews

Excellent4.8 Based on 395 reviews from ★★★★★ Attended by Artmize, good customer service, puntual and very professional. Will continue making bussiness with her.Edgar MontanoEdgar Montano ★★★★★ Sehar Bajwa was great and very knowledgeable. Sehar has been more than helpful over the last few years with my travel insurance needs. Thank you again Sehar.Kevin RodgerKevin Rodger ★★★★★ Sehar was super to deal with! she called with clarifications and any questions. Very happy with our travel insurance purchase. Hoping if we need to use it will be clear and easy too. Thank you Sehar we appreciate youDeb KnightDeb Knight ★★★★★ Sehar Bajwa gave us a lot of attention over 2 days with a details sent by email and over the phone. We obtained exactly what we wanted for medical insurance for the trip. Thank you Sehar!!Mary Lou and Fred CrossanMary CrossanMary Crossan ★★★★★ I’ve dealt with Sehar for the last few years and she is knowledgeable and helpful when purchasing our insurance for our stay in Florida for the winter I highly recommend herRachel BlouinRachel Blouin ★★★★★ Sehar was wonderful to deal with while buying medical insurance for our winter in Arizona. We had been having trouble securing insurance for my husband because of some health issues and she found a company very quickly that would cover him. Of course we always hope not to have to use our insurance but if we do I hope it goes as smoothly as when we purchased. Thank you Sehar!Faye Libler (MacGIRLver)Faye Libler (MacGIRLver) ★★★★★ Sehar Bajwa always followed up and double checking all prices and providers for the best insurance to fit our needs. Very patient and thorough, highly recommend her expertiseLindaLinda ★★★★★ Quick, reasonable and the broker, Sehar Bajwa was helpful, knowledgeable and kind.Thank you Sehar!Cindy MathisonCindy Mathison ★★★★★ Sehar was a great help in sorting out my travel insurance, even while I was on the road, follow up was easy.Emergency medical and Trip insurance, got a great rate, tks again Sehar!Donna KarjalainenDonna Karjalainen ★★★★★ Service was excellent. Assisted in every way possible to clarify my needs.John FantinJohn Fantin ★★★★★ I and my wife got travel insurance with help of insurance agent Sehar Bajwa. Tanks a lot for Sehar Bajwa for very professional and competent job.Mikhael ChernitskyMikhael Chernitsky ★★★★★ Thanks Sehar for your knowledge and patience while I decided which package to take!! Well done!Bandna SawhneyBandna Sawhney ★★★★★ I had a great experience with Sehar when purchasing my travel insurance.Joy McDonellJoy McDonell ★★★★★ Thank you Ummi, Alliance Income for her wonderful service, she was helping me with travelling insurance with professional manners, giving me options and advices that I felt very comfortable and confidence. The process was smooth and efficient, right after the phone call process, the policy was immediately delivered to my e-mail. I would recommend Alliance Income and agent Ummi. Thanks.Katiana LoKatiana Lo ★★★★★ Spoke with Artmiz. Very knowledgeable and very professional. Answered all my questions.Would highly recommend her to family and friends...actually, I already did and my friend was very pleased with the service she receivedPam SinghPam Singh ★★★★★ My dealings with both Adam and Theresa were handled in a professional prompt manner giving me confidence in Alliance. I hope never to have the need to use my coverage, but I would hope that the experience would be as good.Eklove ShatnerEklove Shatner ★★★★★ Ummi was most helpful and informativewhen I purchased Trip Cancellation andInterruption coverage on September 19!Stephen J. RushfordStephen J. Rushford ★★★★★ Amazing service! Nice to talk with a real person and not just online. Great at changing my insurance with no issues.Joanne HuntJoanne Hunt ★★★★★ Artmiz was capable, responsive and punctual. A good experience!Geoff StilesGeoff Stiles ★★★★★ Once again Ummi has provided an economical rate and stress free service for my snowbird health insurance. Strongly recommend for price and revive many thanksElizabeth BastableElizabeth Bastable ★★★★★ Theresa helped me get medical insurance for my upcoming trips. She explained everything in detail making it an easy for me to make the decision!christine Foxchristine Fox ★★★★★ Theresa Hauser provided excellent service - clear information and great support regarding travel insurance- both cancellation and interruption.Don WagnerDon Wagner ★★★★★ Theresa was very helpful & answered all my questions. Very efficient & I received all the documents & information within minutes. Thank you TheresaIrene HartlIrene Hartl ★★★★★ Quick and efficient process and very good, pleasant exchange with agent Theresa HeuserRandy KlattRandy Klatt ★★★★★ Theresa is very helpful and efficient. I get all my insurance needs done seamlessly by this company.Maria Cecilia Danganan-LandichoMaria Cecilia Danganan-Landicho ★★★★★ Artmiz Namazi was a very nice person to deal with. She went far and beyond to help me to have the best deal. She understood my problem and made sure I knew it was solved. I will greatly recommend her to anyone searching for emergency travel insurance.Catherine PoplawskiCatherine Poplawski ★★★★★ Theresa Heuser helped me with buying travel insurance today. She was amazing!! The process was fast and painless. I always find buying our travel insurance to be one of the most stressful things in getting ready to travel. Thank you Theresa for making it so easy for me.Pat and Art ThorrougoodPat and Art Thorrougood ★★★★★ Theresa was prompt at replying, answering all my questions and very friendly and pleasant to deal with. She is an asset to your company.Yvonne FjaagesundYvonne Fjaagesund ★★★★★ Great experience. Theresa Heuser And Sabrina Izdiher helped me with everything. Very helpful and awesome customer serviceGurasisGurasis ★★★★★ Great professional quick service!Colleen Van HornColleen Van Horn ★★★★★ It was good, customer service and the client dealing is best and also they get you good deals.Ahtsham SaifAhtsham Saif ★★★★★ Theresa was very clear and helpful with our travel insurance questions.Gabriella KleinGabriella Klein ★★★★★ Theresa was very helpful and professional in all our dealings! Would recommend her highly.Joyce SchaafJoyce Schaaf ★★★★☆ Theresa was very efficient, friendly and patient.Sandra PerrinSandra Perrin ★★★★★ Artmiz Namazi was an excellent person to deal with. She was very knowledgable and gave me excellent advice. Her quick response to my inquiries on line and over the phone were great. She was extremely helpful and friendly and gave 5 star service.The price for the insurance I needed was also excellent. Thanks ArtmizFran SmythFran Smyth ★★★★★ Excellent product at a cheaper price than other providers.Dale CrawfordDale Crawford ★★★★★ Brilliant and professional support given by Artmiz. Very happy with our Travel Insurance Policy. Thank youSabir ParvaizSabir Parvaiz ★★★★★ I am So glad and happy to have the agent name Ummi to assisted me purchase our travel insurance, very pleasant and helpful. Introduced her to my friends, they were happy with the service too. Thanks Ummi. For sure will looking for you at next travel time.Van TranVan Tran ★★★★★ Great people & service.Dave GobellDave Gobell ★★★★★ Great job, knowledgeable, very patient and tried her best to help me. Thanks Ummi for excellent customer serviceRazijaRazija ★★★★★ Artmiz was very pleasant and efficient to deal with. She was prompt in her replies, and in answering any other questions we had. Her travel insurance pricing was the best that we found,Jean BamfordJean Bamford ★★★★★ Artmiz was totally great!! She is so pleasant, efficient and she gave us the best price and advice!! It was a pleasure to work with her.Ian BamfordIan Bamford ★★★★★ Very good. LovelyDonna KeenanDonna Keenan ★★★★★ Our agent Artmiz was very knowledgeable and answered all of our hypothetical travel scenarios with ease. The premium savings were significant because Allianz offers "top-up" products to those of us who have existing coverage, but need more.catherine onishicatherine onishijs_loader
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Shopping for Critical Illness Insurance? We Can Help!

We make finding the right insurance coverage fast and simple by connecting you with the best insurance providers in Canada.

Browse options, compare rates, and save more on HealthRates.ca.

Understanding Critical Illness Insurance

Critical illness insurance is a vital component of financial planning for Canadians. Imagine facing a sudden health crisis—a heart attack, cancer diagnosis, or multiple sclerosis. In such moments, the emotional and physical toll is immense, and the last thing you need is financial stress. That’s where critical illness insurance steps in. It provides a lump-sum payment upon diagnosis, offering tax-free cash that you can use flexibly. Whether it’s covering medical expenses, replacing lost income, or adapting your home for accessibility, this insurance provides peace of mind. Unlike some other policies, critical illness insurance even covers pre-existing conditions, making it valuable for those with health concerns. Plus, some plans allow you to extend coverage to family members.

Key Benefits

Critical illness insurance offers several key benefits for Canadians:

Financial Support During Recovery:

  • When diagnosed with a critical illness (such as cancer, heart attack, or multiple sclerosis), you receive a lump-sum payment.
  • This tax-free cash can be used for:
    • Out-of-pocket medical expenses: Private treatments, prescription drugs, medical equipment, and accessibility modifications to your home.
    • Replacing lost income if you’re unable to work.

Flexibility in Using the Benefits:

  • Unlike some other insurance products, critical illness insurance has very few restrictions on how you can use the cash payout.
  • You’re free to allocate the money as needed, whether for treatments, home modifications, or other expenses.

Coverage Even for Pre-Existing Conditions:

  • Critical illness insurance covers pre-existing conditions, making it valuable for those with health concerns.

Add-On Coverage for Family:

  • Some policies allow you to extend coverage to family members, providing additional protection.

Peace of Mind:

  • Knowing you have financial support during a critical illness allows you to focus on recovery and well-being.

Tips for Saving Money on Critical Illness Insurance

Our goal is to help you reduce costs. The most efficient way to save on critical illness insurance is by comparing rates from different providers. While this task can be time-consuming, HealthRates.ca simplifies it for you. Just request a quote on our website, and we’ll handle the rigorous evaluation of rates from major Canadian insurers to ensure you receive the most competitive options available. Additionally, here are some tried-and-true tips for saving money on critical illness insurance:

Compare Coverage Options

Research and compare critical illness insurance plans to find the best fit for your needs and budget.

Understand Policy Terms

Familiarize yourself with the terms, coverage limits, and exclusions of your chosen policy.

Consider Bundling

Some insurers offer discounts when you bundle critical illness insurance with other types of coverage.

Maintain Good Health

Leading a healthy lifestyle can positively impact your insurance rates.

Review Your Policy Regularly

As your circumstances change, revisit your policy to ensure it still meets your needs.

Work with an Advisor

Seek professional advice to navigate the complexities of critical illness insurance and make informed decisions.

FAQ’s – Critical Illness Insurance

Find even more valuable answers to the most commonly asked questions about critical Illness insurance here:

Critical Illness Insurance provides financial support when diagnosed with a serious illness covered by the policy. It pays out a lump sum benefit upon diagnosis, which can be used for medical expenses and other financial needs.

Policies usually cover a range of serious illnesses such as cancer, heart attack, stroke, organ transplant, and major organ failure. The exact illnesses covered can vary by provider, so it’s essential to review the policy details.

Critical illness insurance focuses on specific illnesses and provides a lump-sum payout upon diagnosis (e.g., cancer, heart attack). Disability insurance provides ongoing income replacement and replaces lost income due to injury or illness, paying monthly benefits. Health insurance helps pay for general medical expenses like doctor visits, prescriptions and unexpected medical costs.

Yes, the lump sum can be used for any purpose, including covering everyday living expenses, travel for treatment, or making necessary home modifications.

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