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Critical Illness Insurance

Focus on healing and take care of your future.

A serious illness can leave you facing not only health challenges but also unexpected financial burdens. This coverage can help you focus on recovery without worrying about medical bills, lost income, or the impact on your loved ones.

Your guide to critical illness insurance. 

Critical illness insurance acts as a safety net, providing help if you’re diagnosed with something serious and life-threatening.

This coverage can help offset recovery-related expenses such as:

  • Treatments
  • Homecare
  • Travel costs
  • Housing costs
  • Mental health support

Coverage across Canada.

Get critical illness insurance by phone or in person at your nearest location.

Common coverage types.

Our coverage options for critical illness insurance take care of a range of critical illnesses that can affect people of all ages. Amounts paid out can vary from $25,000 to $2 million, depending on your policy.

Major Cancers

This is typically the most common critical illness covered, providing a lump sum benefit if diagnosed with a covered form of cancer.

Heart Attack and Stroke

Coverage for a heart condition or event that includes heart attacks, stroke, aortic valve replacement, or other surgery needed, depending on your policy’s definition of severity.

Organ Failure

Financial support in case of critical organ failure, such as kidney failure or liver failure.

Major Organ Transplant

Coverage for the significant costs associated with organ transplant surgery.

Neurological Conditions

Some plans cover common brain diseases and disorders, such as ALS (Lou Gehrig’s Disease) or Multiple Sclerosis (MS).

Blindness

This coverage is for loss of vision beyond a certain degree.

Paralysis

This covers body paralysis, either from genetic disorders or from a specific accident.

Why choose Acera Insurance for critical illness coverage?

Our team is here to support you as you explore your critical illness policy options.

Tailored Approach

Each client is treated as an individual. We work with you to understand your coverage needs and budget.

Ultimate Choice

As one of Canada’s largest independent brokerages, we work with a large number of insurance companies, giving you plenty of choices for your coverage.

Committed to Excellence

Our advisors are experienced and knowledgeable. You’ll receive professional advice from friendly faces you’ll come to know and trust.

Answering your most common questions.

When should I get critical illness insurance?

The best time to purchase critical illness insurance is when you’re young and healthy. Canadians between the ages of 18 and 65 are eligible, but keep in mind the likelihood of a serious illness increases as you age, so you will experience higher rates the older you are.

How much does critical illness insurance cost?

Your rate will depend on a variety of factors: 

  • Your age
  • Your health
  • The level of coverage you want/need

Our Acera advisors will work with you to determine the right critical illness plan for your needs and budget.

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Still have questions?

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