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Get one of the most comprehensive Critical Illness Insurance products in Canada

Round out your coverage and enjoy peace of mind knowing you’re prepared for the unexpected.

CAA Member Perks

● Exclusive member pricing: Save 10% off your rates!

● 44 conditions covered, amongst the most of any Canadian insurer

● Get a quote in 30 seconds

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What is critical illness insurance?

Critical Illness Insurance can provide peace of mind and financial support for Canadians diagnosed with severe health conditions like heart attacks, strokes, or cancer. When you’re diagnosed with a covered condition, critical illness insurance can provide a lump-sum payout that can be used to cover anything you and your family might need, from medical expenses to lost income.

Why choose CAA Critical Illness Insurance?

One of the most comprehensive critical illness insurance products in Canada

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

Customizable coverage that fits your needs

Choose between $10K and $1M in coverage and term lengths from 10 to 30 years.

Expert advisor support when you need it

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

Simple and modern process

Complete your application in as little as 20 minutes and activate your policy online - all from the comfort of your home.

Two-in-one application

Apply for Critical Illness Insurance and discover if you're eligible for Term Life Insurance at one time.

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Get a no-obligation quote in 60 seconds or less

What critical illnesses are covered with CAA Critical Illness Insurance?

You and your family deserve the best. That’s why CAA Critical Illness Insurance, provided by Securian Canada, covers on average more conditions than other insurance providers in Canada.

• 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

Who should get Critical Illness Insurance in Canada?

Critical illness insurance is designed to provide a financial safety net in the event you become seriously ill. Health uncertainties mean you might need to take time off work or face unexpected medical expenses - critical illness insurance helps to let you focus on your recovery by providing financial support for you and your loved ones.

Consider adding this valuable protection if you’re:

● A parent or responsible for dependents

● Employed without benefits, or only have limited benefits

● Self-employed

● Without additional health insurance

● Someone with limited savings

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

Find peace of mind with stress-free critical illness insurance. Get your personalized quote, complete your application, and activate your policy – all online.

Check your eligibility in minutes: Answer some questions about your health and lifestyle and find out instantly if you’re approved. If we need more information, we’ll let you know.

eSign and activate your coverage: Read your contract in detail to learn about the terms and conditions. When you’re ready, eSign and add your payment details. Need help? A team of non-commissioned advisors are available by phone 5 days a week.

Complete a claim form: Get financial relief fast. If you’re ever diagnosed with one of the covered conditions, a team is ready to help you with every step of the claims process. Plus, with CAA Critical Illness Insurance, 25 of 44 covered conditions have no waiting period.

Receive your living benefit: Upon review and approval of your claim, you’ll get a lump-sum tax-free payment to help support you financially while you recover. 

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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. Often, need to meet or call 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


Yes Yes
Convertible Yes Yes
Two-in-one application Apply for critical illness insurance and term life insurance in a single application Usually requires separate applications

*As of January, 2024.

Get your personalized, no-obligation quote

How much coverage should I get?

The amount of critical illness insurance you might need depends on your current savings and level of financial responsibility. It’s usually recommended to have three to six months' worth of after-tax income in savings.

To decide how much coverage you might 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.

Not sure how much coverage meets your needs? A team of licensed, non-commissioned advisors can help you determine your ideal coverage amount.

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