Optional coverage

Stop Loss Insurance
Stop Loss Insurance enables you to limit your financial exposure when faced with large unforeseen medical/ hospital expenses. For example, you can limit your cost under the ud+hc Plan to $3,000 or $4,500 and have an insurer assume the risk thereafter.

Emergency medical travel insurance
Medical treatment is expensive outside your province of residence and even a minor medical emergency could be financially devastating. Why not pass the risk to an insurer? Emergency medical travel insurance is inexpensive and provides $2,000,000 protection for any number of trips of up to 31 days duration outside Canada per year.

Critical illness recovery plan
This plan pays a lump sum amount in the event that an insured person suffers a severe injury or catastrophic illness such as cancer, heart attack, stroke, etc. The benefit can be spent however the insured chooses, e.g. to pay for specialized treatment out of Canada in order to avoid long waiting lists in Canada.

Premiums may be tax deductible as a business expense.

Accidental death & disablement insurance
AD&D coverage amounts of $100,000, $200,000 or $300,000 are available on an optional basis. Insurance is underwritten by Lloyd's, London Correspondents.

If you have Adobe Acrobat you can now download a PDF version of
universal dental + healthcare application

Please print out, complete the application and mail to address shown below.