Major Accident Protection

Because you want to spare your family from the financial burden of an accident.

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Overview - Engineers Canada Major Accident Protection

Engineers Canada-sponsored Major Accident Protection can provide the funds to help take your mind off the immediate costs of an accident - so you and your family can focus on recovery instead of bills.
  • $1 million maximum Major Impairment benefit
  • $125,000 maximum Accidental Death benefit
  • As little as $1.50 in monthly premiums
  • Premiums do not go up with age
  • No medical tests or questions when you apply
  • You're covered anywhere in the world

Plan Details

Why might I need it?

Accident statistics tell the complete story

Each year, injuries in Canada result in:


Permanent partial disabilities

Hospitalized treatments

Permanent total disabilities

Fatal injuries

Injuries are the leading cause of death for Canadians aged 1 - 44 and affect just as many individuals and their families as some of our deadliest diseases.

Non-fatal injuries

Many non-fatal injuries result in impairments and disabilities such as blindness, spinal cord injury and intellectual deficit due to brain injury.

Injury-related permanent disability

Injury-related permanent disability pie chart

Have disability insurance at work?

Employer-provided disability coverage is a percentage of your monthly income commonly used for monthly household expenses. An injury-related permanent disability has farther reaching financial consequences � like adapting to a complete change in lifestyle � that the Major Accident Protection lump sum of cash may better cover.

What's covered?

Two coverages in one. Major Accident Protection combines Major Impairment accident coverage with Accidental Death coverage � anywhere you are in the world, 24/7.

Guaranteed acceptance. NO medical tests or questions are required when you apply.  Your spouse can also apply.

Low premiums never increase. This is one of the most affordable plans you can ever purchase for personal accident protection � as low as $1.50 a month! Plus, your premiums stay the same even as you get older.

Lump sum benefit amounts. Each unit of coverage provides up to $200,000 of Major Impairment benefits plus $25,000 of accidental death insurance. With the maximum 5 units, that goes up to $1 million and $125,000, respectively. The minimum benefit amounts payable are outlined below:

Covered losses Amount payable per unitEach unit of Major Accident Protection provides up to $200,000 of Major Impairment coverage, plus $25,000 of Accidental Death coverage. A maximum of 5 units is available.
Severe brain damage $100,000
Total & permanent paralysis $200,000
Loss of use of two limbs $200,000
Total & permanent loss of sight, speech or hearing $100,000
Loss of use of one limb, one hand or one foot $75,000
Total & permanent loss of sight in one eye $75,000
Total & permanent loss of hearing in one ear $50,000
Accidental death $25,000

What's excluded?

Benefits are not payable if death or impairment results from:

  • self-inflicted injury
  • insurrection or war
  • flying, except as a passenger on a commercial flight, or
  • active participation in or attempting or provoking a criminal offence

The Major Impairment benefit is not payable if the insured does not survive the accident for at least 30 days. In that event, the Accidental Death benefit will be paid.

Rates and pricing

Major Accident Protection
Monthly premiums
  1 unit 2 units 3 units 4 units 5 units
Major Impairment Up to $200,000 Up to $400,000 Up to $600,000 Up to $800,000 Up to $1 million
Accidental Death $25,000 $50,000 $75,000 $100,000 $125,000
Monthly premium $1.50 $3.00 $4.50 $6.00 $7.50

Who's eligible?

You must be a Canadian resident and under 66 years of age to apply. You must also fall under one of the following:

  • Members of the 12 provincial and territorial engineering licensing associations (including members in training). Also, student engineers who are members of a student section (in those associations where a student section exists) and who are within 24 months of expected graduation from a program accredited by the Canadian Engineering Accreditation Board.
  • Members of the 10 provincial associations of technicians and technologists
  • Members of l'Ordre des Geologues du Quebec
  • Members of Geoscientists Nova Scotia
  • Members of the Association of Professional Geoscientists of Ontario
  • Members of the Ontario Society of Professional Engineers
  • Members of the Reseau des ingenieurs du Quebec
  • Members of l'Ordre des architectes du Quebec
  • Members of the Manitoba Association of Architects
  • Members of the Newfoundland and Labrador Association of Architects
  • Members of the Architects' Association of New Brunswick
  • Members of the Nova Scotia Association of Architects
  • Members of the Architects Association of Prince Edward Island
  • Permanent full-time employees of the eligible associations, as defined above, or of Engineers Canada
  • Limited licensees

You may apply for Major Accident Protection for your spouse if you are also applying for it or are already insured under this plan.

What's involved?

You can apply for Engineers Canada insurance coverages a number of ways:
  1. Apply Online using Garrett Agencies online applications
  2. Download an application for completion and submit back to Garrett Agencies
  3. Contact Us and an advisor can assist you with completion of the appropriate applications

In all cases, you will be contacted, and a professional advisor will review your application to ensure proper completion.

After the application:

Once the application has been completed, a medical professional from a third party paramedical service may call you to arrange a home visit at your convenience. The insurance company may also contact your doctor to request medical records.

Throughout this process, Garrett Agencies will be communicating with you to keep you up to date on progress and may request additional information from you.

Once the insurance company has received and reviewed all the information required, they will issue an offer for insurance which you may choose to either accept or decline.

We're here to help you

Call 1-800-661-3300 to speak with an advisor or apply online
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