CAA Critical Illness

CAA Critical Illness

Get some of the most comprehensive Critical Illness Insurance in Canada.

Round out your coverage with CAA Critical Illness Insurance and enjoy peace of mind knowing you’re prepared for the unexpected.

CAA Member Benefits    


  • Exclusive member pricing: Save 10% off your rates.
  • Coverage for 44 conditions.
  • Get a quote in 30 seconds.

Get A Quote

What is Critical Illness Insurance?

Critical Illness Insurance helps provide financial protection for Canadians diagnosed with severe health conditions. This includes conditions like heart attacks, strokes, and cancer. Critical Illness Insurance can provide a lump-sum payout when you’re diagnosed with a covered condition, which can be used to cover anything you and your family might need, from medical expenses to lost income.

Who should get Critical Illness Insurance?

Critical Illness Insurance is there for you to provide a financial safety for your loved ones who depend on your income. Health uncertainties mean you might need to take time off work or face unexpected medical expenses. Critical Illness Insurance allows you to focus on recovering for your loved ones while it provides financial support when emergency savings aren’t enough.

This valuable protection should be considered if you’re:

  • Parents with children.
  • Employed individuals without company group insurance for Critical Illnesses.
  • Individuals without sufficient emergency savings.
  • Freelancers and self-employed individuals.

Why choose CAA Critical Illness Insurance provided by Securian Canada?

Get Critical Illness Insurance in 3 easy steps online

Get a quote, complete your application and buy your policy online.

Amongst some of the most comprehensive coverage in Canada

Get covered for 44 conditions; 27 critical illnesses and 17 early-stage conditions.

No medical exam needed

For a majority of applicants, no extra medical requirements are necessary for approval.

Apply for Critical Illness Insurance in 20 minutes

Get an instant decision on if you’re approved and immediate assistance from an advisor for any next steps.

Two-in-one application

Apply for Critical Illness Insurance and discover if you're eligible for Term Life Insurance at one time.

Personalized no-obligation quote in 60 seconds

Easily customize your term length and coverage amount to match your needs.

Find coverage that’s right for you.

Get estimated rates for different coverage amounts and lengths. No commitment is required. Apply when you’re ready.

A team of non-commissioned licensed advisors are here to help. Call anytime at +1 (866) 714-9007 Monday to Friday between 7:30 AM – 7 PM CST or schedule a call.

FAQ: Critical Illness Insurance in Canada 

Here are some commonly asked questions about Critical Illness Insurance.
Still have questions? Speak to a licensed, non-commissioned advisor at +1 (866) 714-9007 Monday to Friday between 7:30 AM – 7 PM CST.

Why should someone get Critical Illness Insurance?

Over half of Canadians (55%) have only 3 months or less in emergency savings to cover their expenses (*Source: Angus Reid, December 2021). Critical Illness insurance can provide financial support to cover you and your loved ones from a loss of income caused by a covered illness and/or unexpected healthcare & change-of-lifestyle expenses required to support recovery.

How much Critical Illness coverage should Members purchase?

A starting point between 3 to 6 months of your post-tax income is recommended. From there, you might want to adjust the coverage amount based on your financial situation (e.g. existing debts, income, monthly expenses, number of dependents, etc.). Speak to an advisor at +1 (866) 714-9007, Monday-Friday between 7:30 AM - 7 PM CST, to get a personalized recommendation.

What critical illnesses are covered?

CAA Critical Illness Insurance, provided by Securian Canada, covers a comprehensive list of conditions including:

  • Aplastic Anemia.
  • Multiple Sclerosis.
  • Occupational HIV Infection.
  • Endovascular Aortic Surgery.
  • Coronary Angioplasty.
  • Aortic Aneurysm (of specified severity).
  • Implantation of a Permanent Cardiac Pacemaker.
  • Implantation of a Permanent Implantable Cardioverter-Defibrillator (ICD).
  • Cancer of Specified Severity.
  • Early-Stage Breast Cancer - Carcinoma In-Situ (CIS) of the Breast Treated with Total Mastectomy.
  • Early-Stage Prostate Cancer - Prostate Cancer Treated with Radical Prostatectomy.
  • Early-Stage Blood Cancer - Chronic Lymphocytic Leukemia - Stage 0.
  • Early-Stage Breast Cancer - Carcinoma in-situ (non-invasive cancer).
  • Early-Stage Intestinal Cancer – Gastrointestinal Stromal Tumours (GIST).
  • Early-Stage Prostate Cancer – Prostate Cancer (Stage T1a or T1b).
  • Early-Stage Skin Cancer – Dermatofibrosarcoma.
  • Early-Stage Skin Cancer - Primary Cutaneous Lymphoma.
  • Early-Stage Skin Cancer – Malignant Melanoma.
  • Early-Stage Thyroid Cancer – Papillary Thyroid Cancer or Follicular Thyroid Cancer.
  • Other Forms of Cancer - Carcinoma in-Situ (non-invasive cancer).
  • Benign Brain Tumour.
  • Other Forms of Cancer – Neuroendocrine Tumours (including carcinoid tumours).
  • Cardiomyopathy.
  • Coronary Artery Bypass Surgery.
  • Heart Attack.
  • Heart Valve Replacement or Repair.
  • Motor Neuron Disease (including ALS).
  • Acquired Brain Injury.
  • Bacterial Meningitis.
  • Coma.
  • Dementia, including Alzheimer's Disease.
  • Paralysis.
  • Parkinson's Disease and Specified Atypical Parkinsonian Disorders "Stroke (cerebrovascular accident resulting in persistent neurological deficits)”.
  • Blindness.
  • Deafness.
  • Loss of Limbs.
  • Severe Burns.
  • Loss of Independence Existence.
  • Loss of Speech.
  • Kidney Failure.
  • Major Organ Failure (on Waiting List).
  • Major Organ Transplant.
  • Aortic Surgery.
What is a covered condition?

Covered conditions are broken into two categories:  

  • Fully covered condition: If you are diagnosed with any fully covered condition, you will be eligible to receive a lump-sum payment equal to the total amount (100%) of your coverage amount.
  • Partially covered condition: If you are diagnosed with any partially covered condition, you will be eligible to receive a lump-sum payment equal to a set portion (e.g., 15%, 30%) of your coverage amount.

A detailed list of the Critical Illness conditions that the policy can cover if you fall ill will be provided.

What is a waiting period?

The waiting period (or commonly referred to as “survival period”) is the amount of time that you’d need to wait after a diagnosis before you can submit a claim. For CAA Critical Illness Insurance, there’s no waiting period for more than of the covered conditions.

As an existing policyholder, how do I submit a claim for Critical Illness Insurance?

For policies purchased after December 31, 2023, you can contact or call 1-866-714-9007 (Monday to Friday 8:30AM to 8PM EST) to speak to an advisor and start your claim.

For policies purchased prior to January 1, 2024, you can contact or call 1-877-261-8222 to start your claim.


Securian Canada is the brand name used by Canadian Premier Life Insurance Company and Canadian Premier General Insurance Company to do business in Canada. Policies are underwritten by Canadian Premier Life Insurance Company.