You can get a quote in seconds by clicking ‘Get a quote’ on this page. The price is impacted by several factors, including the amount of coverage you select and your sex at birth, age, and use of tobacco products.

The risk of dying and/or being diagnosed with a critical illness increases with age. To manage this risk, your premiums change when you enter a new age band. After age 25, age bands are in 5-year increments (i.e. 25-29, 30-34, 35-39 and so on). We’ll always advise you prior to making a change to your premium.

When thinking about how much coverage you need, you should consider your income, financial obligations, dependents, and health care needs.

Your Protection Plus Benefits coverage will continue even if you leave your employment unless you cancel it. Premiums will continue to be deducted via pre-authorized debit or credit card and you will remain eligible, assuming that all other terms of the coverage are met.

To apply for coverage, you need to be actively at work. When you return to work, you may be eligible to apply for coverage up to the Guaranteed Coverage Amounts with no medical questions asked if you experience a qualifying life event. Without experiencing a qualifying life event, you can apply for coverage by answering medical questions.

If you apply during a time-limited ‘open enrolment’ period or are a new employee and apply within 31 days from the date you become eligible for benefits, you do not need to provide medical information to secure up to certain amounts in coverage. This amount of coverage is ‘guaranteed’.

If you were eligible during the time-limited period but decide to wait until after this period had passed to apply or were on leave during the time-limited period, then you will need to answer medical questions as part of your online application to secure any amount of coverage, unless you experience a qualifying life event.

The medical questions will simply appear as part of your application. Your application is still completed online and if more details are required based on your answers, Blue Cross Life will reach out to you to obtain this information.

If you buy coverage for an amount that DOES NOT require answering any medical questions (i.e. amounts up to and including the Non-Evidence Limit), your coverage is effective on the first day of the month following receipt of your electronically signed application form by Blue Cross Life.

For example, if the Non-Evidence Limit is $100,000 and you submit your signed application for $100,000 of coverage on January 1, or any date in January thereafter, your coverage will be effective on February 1 (the first of the month following receipt of your signed application).

If you apply for an amount that DOES require answering medical questions (i.e. amounts over the Non-Evidence Limit), your effective date is split in two. Your coverage for amounts up to the Non-Evidence Limit is effective on the first day of the month following receipt of your electronically signed application form by Blue Cross Life. The effective date for coverage for amounts higher than the Non-Evidence Limit will be communicated to you once your application has been processed and approved.

For example, if your Non-Evidence Limit is $100,000 and you submit your signed application for $150,000 of coverage on January 1, or any date in January thereafter, $100,000 of your coverage will be effective on February 1 (the first of the month following receipt of your signed application), and the remaining $50,000 is effective on the date this additional amount is approved by Blue Cross Life.

Most commonly, coverage for you, your spouse and/or your dependent children will end the earlier of when:

• You terminate your coverage
• Your premiums are not paid within 31 days of their due date
• You or your spouse or your dependent child(ren) are no longer a full-time resident of Canada
• Your spouse or your dependent child(ren) no longer meet the eligibility requirements
• You or your spouse turn age 70, or your dependent child(ren) turn age 21 (age 26 if a full-time student)
• The maximum amount payable under this policy has been paid
• You or your spouse or your dependent child(ren) commit fraud against Blue Cross Life
• You or your spouse or your dependent child(ren) die

Full details on when coverage ends are provided in the policy.