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 466 reviews from ★★★★★ Sehar was very helpful. Made the process painless!Lynne FulcherLynne Fulcher ★★★★★ Sehar Bajwa was the agent with whom I spoke. She was very helpful and efficient. I was also quoted Travel Cancellation and Interruption Insurance by two other agents at different companies. I went with Sehar because she provided me with the most thorough information and an excellent rate.estolteestolte ★★★★★ Wow what a great experience these guys are so knowledgeable.steve Rsteve R ★★★★★ I recently had the pleasure of working with Dornaz at Allianz global assistance who helped me secure health and dental insurance, and I couldn't be more satisfied with the experience. From the moment we started the conversation, she was incredibly knowledgeable and attentive to my needs. She took the time to explain all my options clearly, ensuring I understood the details of each plan.What stood out the most was Dornaz’s patience and willingness to answer all my questions, no matter how small. She made the entire process smooth and stress-free, guiding me through all the process and making sure I felt comfortable with my decision. Thanks to her expertise, I feel confident that I chose the best health insurance plan for my needs. I highly recommend Allianz Global assistance services to anyone looking for reliable and friendly assistance in navigating health and dental insurance options! From my experience, Allianz Global assistance is the best insurance company outta here!ParfianoParfiano ★★★★★ Agent was very pleasant and efficient in providing an immediate quoteTom SmithTom Smith ★★★★★ I was researching for a travel emergency medical plan for seniors. Allianz was on my list but I hadn't made contact as yet. I received a call back from Ummi Hanny of Alliance as a result of one of my queries and I'm delighted with the result. She listened and guided me through the process with great skill, knowledge and understanding. She forwarded a quote and afforded me time to consider the offer over the weekend and we would reconnect early the next week. This also gave me time to continue my research with a better understanding. which I much appreciated.We spoke on Tuesday and concluded the signing of the coverage offered through Alliance. It was the best plan for me, coverage wise, duration and financially. The fact that Alliance is a European based company is a plus as that is where I'm traveling as well as non U.S, based.Ummi's engaging style lead to these discoveries for me. She was attentive, knowledgeable, personable and genuine. She represents her organization extremely well and I would not hesitate to recommend Alliance and/or engage your service in the future.SincerelyJohn S. MacDonaldJohn MacDonaldJohn MacDonald ★★★★★ Sehar Bajwa was very efficient, professional and knowledgeable. I was extremely pleased with her prompt service and pleasant personality.Eva Young powEva Young pow ★★★★★ Your customer service caller was so helpful. I felt confident going ahead and signing up for health insurance for my upcoming trip. Thank you for your patience and friendliness during the call. I feel better about spending a few days in the United States knowing I have health coverage.Beth FosterBeth Foster ★★★★★ I went online for a quote. Then Sehar called me with a quote.Sehar was wonderful. So professional and easy to understand.It was a delight speaking to her. Also the price was the best.Evelyn DicksonEvelyn Dickson ★★★★★ Artemiz Namazi was very professional, patient, and friendly while helping me purchase medical insurance for myself, my husband, and my son.krystyna Harasymowiczkrystyna Harasymowicz ★★★★★ I had a wonderful experience with this company! Ummi was incredibly helpful, professional, and kind throughout the entire process. She made everything so easy and stress-free. I truly appreciated her support and would highly recommend her to anyone. Thank you, Ummi!Miriam AssoulineMiriam Assouline ★★★★★ Recently purchased Trip Cancellation /Interruption Insurance from them. Say their advertisement on Facebook. The company was easy to deal with and provided information to make an informed decision. Despite not be able to deal with my initial contact person, Artmiz was very attentive, helpful and thorough. The rating given was earnedFern MichelFern Michel ★★★★★ Shana and George at Alliance were amazing to work with. They were very friendly and prompt in all transactions.Joe KilfordJoe Kilford ★★★★★ Sehar Bajwa she is very good helpful. Travel insurance very good purchas price .Theepan MoorthyTheepan Moorthy ★★★★★ As seniors in our + 70s we know travel medical insurance can be costly without taking out a mortgage. Fortunately our health is better than most our age or even some younger and understand Insurance Underwriters and Acturaries go by statistics. The agent we talked to Karen Write was absolutely patient and helpful. We were pleasantly surprised by the quote she gave, as the quote we had from another carrier was about 3 times more. Naturally we went with Karen Write at Alliance. We can't thank her enough for being so patient, undestanding and helpful. If in the future we are fortunate, health wise, to continue to travel we will definitely call Karen Wright at Alliance. CUDOS to Karen WrightRobert GrillsRobert Grills ★★★★★ Clear Communication and assurance of serviceEdwin DrewloEdwin Drewlo ★★★★☆ i was very impressed with sehar prompt response and helped me through with me getting what i neededNadir HabibNadir Habib ★★★★★ Sehar Bajwa was very competent and helpful. I have dealt with her for 3 years and I always get the same quality service when purchasing travel insurance from her.Judy HowardJudy Howard ★★★★★ I have just worked with Dornaz Samiei in purchasing trip insurance, and she was informed, efficient and friendly. I couldn't ask for more. Thanks.Danny SwainDanny Swain ★★★★★ Sehar Bajwa was extremely helpful while we were searching for travel insurance for our upcoming trip. Sehar provided all necessary information and setting up the required insurance was very easy and well-pricedKelly LePageKelly LePage ★★★★★ Geting tarvel insurance,all process to finalaize our insurance documents was pleasent because friendly (not puschy)and very profesional lady Sehar Bajwa thank you SEHARI R bI R b ★★★★★ Simply an Amazing Individual. The Reason I buy my Insurane from.Allianz!!!!Thank You Dornaz!Len HirschLen Hirsch ★★★★★ Dornaz was very helpful and responsive to my requests which I really appreciate!Susan MaddenSusan Madden ★★★★★ Thank you Dornaz Samiei for the above service you gave me today. You have so much knowledge and patience.Susan WhiteSusan White ★★★★☆ Great help by Alliance Sehar was a great help.anne johnsonanne johnson ★★★★★ Dealing with Dornaz was such a pleasure. Great customer service!Maida KellgrenMaida Kellgren ★★★★★ Azita was very helpful and patient with me as I was trying to make my travel insurance choice. She called me back about 3 times and when I was finally ready, she was away and Dornaz was equally helpful in completing my application. I would recommend this company!Donna HemmingDonna Hemming ★★★★☆ Very helpful and friendly people to deal with. Dornaz answered all my questions and helped me with my travel insurance. I would highly recommend this company.Dawna ShaneDawna Shane ★★★★★ I am very pleased with the service I received from Alliance. Dormaz was my contact. She was very friendly and easy to talk to. She answered all my questions with kindness, patience, and respect. She found me a policy which offered the coverage I wanted at a better price than I had been able to find on my own.Tina RhodesTina Rhodes ★★★★★ Very friendly and easy to talk with. Dornaz explained things clearly and allowed me to ask any questions.Robert HamiltonRobert Hamilton ★★★★★ Very friendly and efficient service!Frances HeywoodFrances Heywood ★★★★★ Spent time searching for best options for my needsmarg marlinmarg marlin ★★★★★ Dornaz was extremely helpful to get the right travel insurance for us. She was very friendly and knowledgeable.Barbara HanserBarbara Hanser ★★★★★ Ummi. Excellent representative. Very pleased.Darla SwardDarla Sward ★★★★★ Dornaz was very friendly and professional providing me with travel cancellation/interruption insurance.Gail CampbellGail Campbell ★★★★★ I’m so happy in dealing with Ummi Hanny , she’s absolutely a star, she really helped me finding the right insurance for me.hanne sajdahanne sajda ★★★★★ Great travel insurance Dornaz was very professional.Denise Morgan-FellDenise Morgan-Fell ★★★★★ Very pleasant, efficient and helpfulA. Ron AlgateA. Ron Algate ★★★★☆ Very easy to set up policy on a ti.ely manner.Brent ClaytonBrent Claytonjs_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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