Critical Illness Insurance

Critical illness insurance pays a lump-sum benefit directly to you upon diagnosis of one of the 25 covered conditions. The benefit payment is tax-free, and you can spend it any way you wish. 

The PAC Critical Illness Insurance Plan offers:

  • Up to $300,000 of coverage.
  • Up to $300,000 of coverage for your spouse.
  • Up to $10,000 of coverage for each of your dependent children.
How to apply

Multiple Event Coverage

The Multiple Event Coverage benefit allows insured members and spouses who are unfortunate enough to suffer from a separate and unrelated covered condition to claim multiple times. For complete details and illness categories, please visit

Your group advantage

The Paramedic Association of Canada uses your group buying power to negotiate exceptional value, offering unique features and benefits you won’t find with other insurance providers.

A trusted provider

iA Financial group (Industrial Alliance Insurance and Financial Services Inc.) is one of Canada's largest and most established insurance providers. With iA Financial Group you can enjoy the peace of mind that comes with sound financial backing, dependable corporate integrity and years of dedicated service.


You are covered for 25 life-changing illnesses:

  • Aortic Surgery
  • Aplastic Anemia
  • Bacterial Meningitis
  • Benign Brain Tumour
  • Blindness
  • Cancer (Life-Threatening)
  • Coma
  • Coronary Artery Bypass Surgery
  • Deafness
  • Dementia, including Alzheimer's Disease
  • Heart Attack
  • Heart Valve Replacement or Repair
  • Kidney Failure
  • Loss of Independent Existence
  • Loss of Limbs
  • Loss of Speech
  • Major Organ Failure on Waiting List
  • Major Organ Transplant
  • Motor Neuron Disease
  • Multiple Sclerosis
  • Occupational HIV Infection
  • Paralysis
  • Parkinson’s Disease and Specified Atypical Parkinsonian Disorders
  • Severe Burns
  • Stroke

You can also apply for up to $10,000 in coverage for your children. Children will be protected for the same 25 illnesses as adults plus the following 6 child-specific conditions:

  • Cerebral Palsy
  • Down’s Syndrome
  • Congenital Heart Disease
  • Muscular Dystrophy
  • Cystic Fibrosis
  • Type 1 Diabetes

Click here to see full definitions of these illnesses.

Benefits you won't find anywhere else:

The AdvanceCare Benefit will pay 10% of the total benefit amount for coronary angioplasty and several early stage cancers. Not available for dependent child coverage.

Claims at TuGo
Should you choose to use private medical facilities, Claims at TuGo may help make your money go considerably further than if you personally arrange medical treatment. You can find more information at Note that utilization fees may apply.

How much does it cost?

Member and Spouse Critical Illness Insurance
Monthly Premium Rate per $25,000
Age as of June 1st* Male Female
  Non-Smoker** Smoker Non-Smoker** Smoker
Under 25 $2.15 $2.55 $2.05 $2.30
25-29 $2.60 $3.35 $2.85 $3.35
30-34 $3.35 $4.75 $4.20 $5.10
35-39 $4.60 $7.35 $6.30 $8.05
40-44 $6.95 $12.30 $9.40 $12.80
45-49 $11.05 $20.75 $13.85 $20.00
50-54 $18.30 $34.40 $20.05 $30.25
55-59 $30.35 $55.40 $28.30 $44.70
60-64 $50.15 $85.65 $41.60 $66.60
65-69† $80.40 $133.85 $63.95 $101.05
70 Coverage Terminates
* Premiums are calculated each year, based on your age at June 1st and will increase as you enter a new age band.
** Non-smoker rates apply to individuals who, at the time of application, have not used any form of tobacco (except an average of one cigar a month), including nicotine products, electronic cigarettes, marijuana mixed with tobacco, hashish mixed with tobacco, smoking cessation products, betel nuts or leaves, supari, paan, gutka or shisha, within the last 12 months and who have provided satisfactory evidence of insurability.
† For renewal only. Last age to apply is 64.
Dependent Children Critical Illness Insurance
Monthly Premium for all Eligible Children
Benefit Amount Monthly Premium
$5,000 $2.10
$10,000 $4.20
Plus taxes where applicable. Rates are subject to annual review.


More information about your Critical Illness Insurance coverage

Who can apply?

Members in good standing with the provincial chapter of Paramedic Association of Canada and their spouses are eligible to apply. Applicants must be under age 65 and residing in Canada.

Dependent children are also eligible to apply provided they are under age 21 (up to 24 if they are enrolled full-time at a post secondary school) and the member also applies for Critical Illness Insurance coverage.

When does coverage take effect?

Insurance will take effect the date your completed application is approved by Industrial Alliance Insurance and Financial Services Inc. and your first month's premium has been paid.

When does my coverage terminate?

Critical Illness Insurance will terminate on the earliest of the following dates:

  • the end of the policy month in which your written request to cancel your insurance is received by Industrial Alliance Insurance and Financial Services Inc.;
  • the end of the policy month in which the member is no longer eligible;
  • the end of the policy year in which the member reaches age 70;
  • the due date of any unpaid premiums;
  • the date the Group Policy between Paramedic Association of Canada and Industrial Alliance Insurance and Financial Services Inc. terminates.

With respect to spouses:

  • the earlier of the above or the end of the policy year following the date they reach age 70;
  • the end of the policy month in which they no longer qualify as a spouse.

With respect to children, coverage terminates on the earliest of the following dates:

  • the end of the policy month your coverage ceases for any reason;
  • the end of the policy month they no longer qualify as a dependent child;
  • the date the benefit is paid for a dependent child.

Are there any limitations or exclusions I should be aware of?

There are several important limitations and exclusions:

Any covered condition or AdvanceCare Benefit Condition diagnosed prior to the effective date of coverage is excluded.

If you are diagnosed with a benign brain tumour or cancer within the first 90 days of coverage, a benefit will not be payable and benign brain tumour or cancer will no longer be considered covered conditions.

No benefit will be paid if the covered condition or AdvanceCare Benefit Condition results from attempted suicide, alcohol or drug abuse, war or armed forces service, self-inflicted injury, taking poison or inhaling gas or participation in a criminal act.

For paralysis, blindness, deafness, severe burns, stroke, coma, or loss of limbs no benefit will be paid if the condition is a result of participating in amateur or professional boxing, bungee jumping, B.A.S.E. jumping, cliff diving, motor vehicle racing or speed competition on land and/or water, parachuting or underwater activities, including scuba diving or snuba diving. There is also an exclusion for certain pilots.

Some illnesses have exclusions, refer to the full illness definition list for details.

Questions? We're here to help.
Call 1 (800) 266-5667 or email