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Travel Insurance is focused on helping you enjoy a worry-free experience while you are travelling around the World.

Plans for Canadians, Visitors to Canada, Canadian Students and International Students.

Travel Insurance protects you from unexpected costs due to a medical emergency. Flexible, affordable insurance plans provide up to $5 million in Hospital and medical coverage, plus a variety of other plans:

    Multi-trip Plan;
    Trip Cancellation & Interruption;
    Trip Interruption;
    Baggage;
    Rental Car Collision Damage Protection;
    Accidental Death & Dismemberment;
    Flight Accident;
    All-inclusive Package Plans

Critical Illness Insurance provides you with a tax-free lump-sum payment 30 days after a being diagnosed with a critical illness. As a result, you can devote 100% of your energies to your recovery, without worrying about the financial impacts of the illness.

Cancer, heart attack or stroke are the three most common critical illnesses, occurring across all ages in Canada. According to the Heart and Stroke Foundation and the National Cancer Institute of Canada (2001), approximately 250,000 Canadians are diagnosed with cancer, heart attack or stroke annually. Most of them will survive -

    82% of heart attack patients admitted to hospital survive
    95% of hospitalized heart attack victims survive the first attack
    75% of men and 77% of women who develop cancer survive
    75% of stroke victims survive the initial event

Living with a critical illness can mean major changes to your lifestyle and serious financial challenges, if you are not prepared.

With a Critical Illness policy you are protecting for your lifestyle during recovery.

Your premiums and protections are guaranteed. Insurance companies reimburse the premiums in the event of the insured's death if the insured was not entitled to payment of the Transition benefit.
More than 25 critical illnesses covered:

    Alzheimer's Disease
    Aortic Surgery
    Aplastic Anaemia
    Bacterial Meningitis
    Benign Brain Tumour
    Blindness
    Cancer (life-threatening)
    Coma
    Coronary Artery Bypass Surgery
    Deafness
    Heart Attack (myocardial infarction)
    Heart Valve Replacement
    Kidney Failure
    Loss of Independent Existence
    Loss of Limbs (dismemberment)
    Loss of Speech (muteness)
    Major Organ Failure on Waiting List
    Major Organ Transplant
    Motor Neuron Disease
    Multiple Sclerosis
    Occupational Injury-HIV
    Paralysis
    Parkinson's Disease (primary idiopathic)
    Severe Burns
    Stroke (CVA)

Critical illness coverage also includes the following critical illnesses and medical conditions up to the insured's 25th birthday:

    Cerebral Palsy
    Congenital Heart Disease
    Cystic Fibrosis
    Muscular Dystrophy
    Type 1 Diabetes (Mellitus)

You can obtain protection of between $10,000 and $2 million.

The costs of living a healthy lifestyle are increasing every day. While some provincial health plans cover many major health costs, they may not cover items like antibiotics and physiotherapy, which can grow to be major expenses if a member becomes sick or needs a condition treated by a health professional (provincial plans vary across Canada).

Extended Health Care insurance, or Medical insurance, is an affordable form of protection that helps cover the costs of health services and supplies not paid for under provincial plans. Members can also purchase family coverage. This insurance will give your members everyday access to needed health care because they know that if they or a family member become sick, they can afford to provide the necessary health care.
Dental Insurance

Dental insurance coverage is also a key way for members and their families to protect their dental health. As with other forms of health care, dental care can become very expensive without insurance protection. Maintaining healthy teeth and gums is essential, especially since more and more research is showing how problems with dental health can affect our overall state of health. Dental insurance product is not sold as a stand-alone product. In order to be covered under our dental plan, members must also be covered under our Extended Health insurance plan.

Accident, Injury or Sickness can significantly impact your lifestyle. Disability Insurance is designed to protect your income.

It is designed for every self-employed and independent contract workers who can not afford to miss any periods of work and are not covered by an employer’s insurance policy.
What would you do if a disability or sickness prevented you from work?

You would lose not only your primary source of income, but you would also have to face extra expenses related to your condition – expenses that you’ll have to pay out of pocket.

You can have coverage to meet your every need:

• Disability Insurance;
• Overhead Expense Insurance;
• Accidental Death, Dismemberment and Loss of use;
• Extended Medical Care Further to an Accident.

Life insurance is a simple way to protect yourself and the financial well-being of your family. It can be affordable and easy to understand.

Life insurance is a foundation of every body's financial future. Unexpected tern can strike any one and if you are not protected it will ruin all of your and your family's financial well being.

You can use Life Insurance as a Tax Shelter for your investment. Your investment stays TAX-FREE while it is building up within the plan, you will earn TAX-FREE income from the plan in retirement, your savings protected against all potential creditors and when you're gone, the rest of the money plus Life Insurance Face amount goes to your beneficiaries TAX-FREE!

There are three kinds of Life Insurance:

• Universal Life Insurance - It is a type of permanent life insurance based on a cash value and Tax Free earnings to increase your net worth
• Term Life Insurance - Affordable financial security for defined periods: 10, 15, 20, 25 - 40 years.
• Whole Life Insurance - Obtain enhanced financial protection with guaranteed cash surrender values and guaranteed premiums.