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Get peace of mind with flexible
Critical Illness coverage

In the event of a heart attack, stroke, cancer or other critical illness, Combined Insurance offers an easier way to get the help you deserve.

2 in 5

2 in 5 Canadians are expected to be with cancer in their lifetime*


Canadians experience 70,000+ heart attacks each year**


Canadians experience 108,000+ strokes each year**

Your future. Your way.
Critical Illness coverage to protect your family, finances and future


Use the financial benefits for anything you wish, including:

and copays

Out-of-pocket expenses
for out-of-network care

Living expenses
while you recover


Not sure what coverage 
is right for you?

Our agents are available to help answer your questions and walk you through your options so you’re making the most informed choice.

Here’s how Marie used Critical Illness insurance

from Combined Insurance to worry less and pay for more


Marie always prided herself on leading a healthy lifestyle but that did not stop her from suffering a heart attack at age 45 that caused her to undergo emergency cardiac catheterization and stent placement. Despite Canada's universal healthcare coverage, Marie faced out-of-pocket expenses including rehabilitation, costly prescriptions and transportation to and from doctor's appointments. Thanks to her Critical Illness policy from Combined Canada, Marie was able to focus on her recovery and being with her family rather than the financial impact of her medical care or the stress of being out of work

When it comes to critical illness, you have options

Ensure you're protected when critical illness strikes. With Critical Illness coverage from Combined Insurance, we offer you coverage options that unlock doors to the care you deserve and financial benefits paid directly to you for associated out-of-pocket expenses.

Choose to include coverage for your spouse and/or children
Up to 26 standard covered conditions, and many partial covered conditions
Protection ranging from $10-$100K
Different premium payment periods for different options
Four benefit plan types and four coverage term options
A 'Return of Premium' option if you're in good health
Put our sales representatives to work for you

The best way for you to get the right policy is to get a quote from a Combined Insurance agent.

We know our products inside and out — and more importantly, we know people. Don't wait another day — Just fill out the form below and one of our Sales agents will contact you to discuss our policy options and provide you with a quote.

To get started with an agent, complete the form below.

On the other hand, if you need help from one of our Customer Service Representatives to review your current policies and coverage or find answers to any of your questions please use this link to our General Inquiries form and one of our Combined representatives can assist you.

Please note:

By entering your name, phone number, and clicking "Submit," you are

1) electronically signing this form and

2) consenting to Combined Insurance ("our," "us" or "we") making autodialed calls to you at the landline or wireless phone number(s) you provide.

You are not required to provide such consent as a condition of purchasing Combined Insurance products.

This consent will not be available in paper form; you are encouraged to print this form for your records.

This consent only authorizes us to call you at the phone number(s) you provide in response to this request for information.

If you wish to inquire about Combined Insurance products without submitting your information online,call us at
1 888 234-4466.

Your future. Your Way.

Making early coverage choices leads to the best outcome

Contact an agent to begin discussing your coverage options today and open doors to choosing the care that's right for you, no matter the cost.

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