Yes, if you add a return of premium option, which adds to the cost. Depending on the option, you get some or all of your premiums back if you don’t make a full claim: on death, if you cancel after a set number of years, or when the policy ends.
Can I get my critical illness insurance premiums back if I don’t get seriously ill?
Reviewed by Garrett Agencies Ltd., October 2026. How we write
Spot a mistake? Tell us and a licensed advisor will check it. Email compliance@garrett.ca
More about critical illness insurance
A lump sum if you’re diagnosed with a serious illness such as cancer, a heart attack or a stroke.
More questions about critical illness insurance
A question about your coverage? Ask us.
No obligation. We’ll tell you plainly what we think, including when you already have what you need.