One diagnosis can change everything.
A tax-free lump sum the moment you're diagnosed — so you can focus on recovery, not bills. A licensed advisor compares 25+ insurers to match your health and budget.
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A licensed advisor will call you back at the time you chose, ready to match you with coverage from 25+ Canadian insurers — no pressure, no obligation.
+16 moreCoverage isn't one-size-fits-all.
Here's the plain-language version of what's actually available, so you can compare apples to apples with your advisor before you talk pricing.
Standard critical illness
Covers cancer, heart attack, stroke, and 20 or more additional named conditions with a single tax-free lump-sum payout on diagnosis. The most affordable way to protect your income and savings against a serious health event.
No refund if you never claimCritical illness with Return of Premium
Same coverage as standard critical illness, but with a rider that refunds some or all of your premiums if you cancel the policy or reach a set age without ever making a claim. Costs more each month, but nothing is wasted if you stay healthy.
Typically 30–100% higher premiumSimplified-issue critical illness
Health questions only, no paramedical exam. Usually covers a shorter list of core conditions (cancer, heart attack, and stroke) — built for older applicants or anyone with a pre-existing condition who's been declined elsewhere.
Approval in as little as 24–72 hoursMost advisors suggest 1–2× your annual income.
That's usually enough to cover a year or two of reduced income, treatment costs your provincial health plan doesn't, and any outstanding debt, without touching your savings or your family's day-to-day life. The right number depends on your health, your household, and any group coverage you already have through work.
Talk to an advisor about your number →Standard. Return of Premium. Simplified-issue. Here's what changes.
Every policy funds a donation to SickKids.
We match the first month's premium of every client and give it directly to SickKids Foundation. It doesn't change your price — it changes what your coverage means.
See our latest donation →Real coverage, placed for real Canadian families.
"No online forms, just a phone call. Rajivan asked about my health, my mortgage, and my job, then came back with a policy that actually made sense."
"My dad had a heart condition so I assumed I'd be declined. PolicyFind found me simplified-issue coverage with no exam in under three days."
"I liked the idea of getting my premiums back if I stay healthy. My advisor walked me through the Return of Premium math before I signed anything."
Common questions about critical illness insurance
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Read more →A 15-minute call is all it takes to get started.
A licensed advisor compares 25+ Canadian insurers to find coverage that fits your health and budget.
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