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We've Got You and Your Business Covered!
Guaranteed Issue Accident Protection 24 Hours a Day.
In Your Home, at Work, or at Play, Anywhere In the World!
No Medical Required - Just 3 Simple Qualifying Questions.

 
Individuals & Families

 

Affordable Accident and Hospitalization Benefits for the entire family

Specialized

Plan Designed For

Families and

Individuals

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Learn More

Making ends meet at the end of every month is a major concern for all Canadians.  

 

Imagine for a moment if you were to become disabled as a result of an accident or seriously ill.  Think of how difficult it would be for you and your family to manage your monthly expenses in addition to any extra costs related to medical treatment.

 

Innovative Insurance has Accident and Hospitalization plans designed to protect your whole family.  Coverage is available for everyone including dependent children from 30 days old to 21 years of age or until the age of 25 if still at school full-time.

Disability Needs Assessment <<< Calculate What Your Income Needs would be if YOU Became Disabled.

It's EASY to Qualify . . . Personal Accident insurance is designed to provide Guaranteed to Issue Accident coverage if you can answer "No" to 3 qualifying questions.  If you do not work or work less than 30 hours per week you can qualify for $1,000 in monthly benefits, with coverage renewable through to age 90.

 

No proof of income is required for benefits up to $2,000 per month.  To apply for more than $2,000 in monthly benefits, employed individuals must work more than 30 hours per week at the time of application.

 

Benefits of up to $6,000 per month are available to age 64 for both Accident and Sickness protection, and up to $4,000 per month for ages 65 to 68.

 

For your convenience, premiums can be easily paid through your chequing account or by credit card.

Premiums are based on your age and the monthly benefit you qualify for.