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CAA Critical Illness Insurance

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


Why is Critical Illness Insurance important?

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.

CAA Critical Illness Insurance is amongst Canada's most comprehensive, while offering competitive rates. CAA Members get to enjoy exclusive 10% discount and other perks!**

**CAA Members enjoy CAA Member Preferred Pricing. See Terms and Conditions for details.

Backed by Securian Canada

CAA Member Perks

Exclusive member pricing: Save 10% off your rates!
Exclusive member pricing: Save 10% off your rates!
44 conditions covered, amongst the most of any Canadian insurer
44 conditions covered, amongst the most of any Canadian insurer
Get a personalized quote in minutes
Get a personalized quote in minutes

Amongst Canada's most comprehensive: 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 in the same application.

The first step is the hardest...

We Make it Easy!

Get a quote online

Get your quote online

Get personalized rates for different coverage amounts and lengths. No commitment required. Apply when you're ready.

Speak to an Advisor

Get personalized advice

A team of non-commissioned licensed advisors are here to help you.


Commonly asked questions about critical illness insurance.

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 illnesses such as 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. You should carefully review your policy terms, conditions, and coverage details to understand what critical illnesses are included, any waiting periods that might apply, and any exclusions or limitations.

Critical illness insurance is designed to provide you (and your family) with a financial safety net in the case of a severe health diagnosis. It can help you and your loved ones manage the financial burden associated with medical treatment, recovery, and lifestyle adjustments that often come with critical illnesses.

The specific illnesses covered by critical illness insurance can vary depending on the insurance provider and the terms of the policy. However, there are several common critical illnesses that are typically covered by most critical illness insurance policies, such as different cancers, heart attacks, and strokes. CAA Critical Illness insurance covers 44 conditions.

Different insurance providers might have variations in coverage, so it's best to consult with an insurance advisor to ensure you have a clear understanding of what's included, what's not included, and any specific terms in your policy.

The waiting period in critical illness insurance refers to the specific period of time that must pass after the diagnosis of a covered critical illness before you can submit a claim. The waiting period varies depending on the insurance provider, the covered condition, and the terms of the policy. It typically ranges from 30 days to 90 days, but it can be longer in some cases. With CAA Critical Illness insurance, there's no waiting period for more than half of the covered conditions.

The critical illness insurance benefit you could receive depends on the amount of coverage you chose when you activated your policy. Different insurance companies offer different coverage amounts. Typically, the amount of coverage offered is between $10,000 to $1M in Canada.

A critical illness insurance benefit in Canada is typically paid in a lump-sum to the policyholder if they are diagnosed with a covered critical illness and meet the conditions outlined in the insurance policy.

Yes, you can always cancel your critical illness insurance. With CAA Critical Illness insurance, you get a full refund on any premiums you've paid if you cancel within 30 days of the date you activated your critical illness policy.

If you cancel after this 30-day period, you'll receive a pro-rated refund of any premiums you have prepaid. And, you won't be charged any cancellation fees or penalties.

Still have questions?

Get personalized advice from a licensed, non-commissioned advisor at:
1 (866) 714-9007
Monday-Friday between 8:30am-8:00pm EST.