Critical Illness Insurance in Ontario

Should you become gravely ill, Critical Illness insurance provides a lump sum payment that you can use as you choose. This insurance coverage can be extremely helpful if your sickness leads to unemployment or requires that you make medical purchases not covered by any other insurance policy.

A variety of illnesses and diseases are covered under Critical Illness insurance, but the extent to which companies cover someone can depend on the degree of severity of the condition from which he or she are suffering. You cannot purchase this insurance for a disease or illness that you are already experiencing.

To Request A Critical Illness Insurance Quote
Call Toll Free at

Diseases and Illnesses Covered

Typical diseases and illnesses that are covered by Critical Illness insurance policies can include:

  • Alzheimer’s
  • Blindness
  • Cancer
  • Heart Attack
  • Kidney Failure
  • Multiple Sclerosis
  • Organ Transplants
  • Paralysis
  • Stroke

Should I Buy Critical Illness Insurance

Examine your existing insurance for policies that may already cover many of the illnesses listed above. Keep in mind that many policies do not cover travel to and from a point of treatment, home care, day to day expenses, or day care, should you need to use it during your infirmity. This process will help you decide if Critical Illness insurance is necessary.

How Much Will Critical Insurance Cost Me?

If you are a healthy, younger person, your premium will be lower than someone who is older and perhaps already has existing medical conditions. No matter what age, it is always prudent to compare available options from a range of critical illness insurance companies. Huronia Insurance Group agents can easily do that for you and present their findings so you can make an informed decision.

How Do I Make a Critical Illness Claim?

If you are diagnosed with a critical illness or disease by a Canadian physician and that condition is covered under your policy, you can make a critical illness insurance claim. Once your claim is approved, your lump sum payout is made 30 days after approval. There are no limitations on how this money is spent, and once you have been paid out, your policy ceases.

What Happens If There Is No Claim and Complete Recovery?

In the event of your death caused by something outside of the illnesses covered by your policy, premiums may be returned to your beneficiary. Should you fully recover from your illness, you are entitled to collect the entire benefit.

Any of our Huronia personal insurance brokers would be glad to speak with you and answer any questions you might have about critical illness insurance. Contact us today at 1-866-955-8386. You can also fill out our online contact form or send us an email.

Contact Huronia Insurance
Offering 199 Years of Combined Experience
Call 1-866-955-8386 OR


Simcoe Region

New Tecumseth
Wasaga Beach

York Region

New Market
Richmond Hill

Durham Region


Halton Region


Other Counties

Thunder Bay