Critical Illness Insurance

Which conditions would stop me from applying?

The plan isn’t available if you, or your spouse if they’re applying, have or have ever had any of these:

  • Active hepatitis
  • AIDS or AIDS-related disease
  • Alcohol abuse in the past five years
  • Alzheimer’s disease
  • Any heart condition or heart trouble (excluding controlled hypertension)
  • Cancer (all cancer except basal cell skin cancer)
  • Coronary artery bypass surgery
  • Diabetes
  • Heart attack
  • Huntington’s chorea
  • Kidney disease, other than kidney stones or a history of kidney infection
  • Lou Gehrig’s disease (amyotrophic lateral sclerosis, ALS)
  • Major organ transplant recipient
  • Multiple sclerosis
  • Permanent paralysis (paraplegia, quadriplegia), other than Bell’s palsy
  • Pulmonary fibrosis
  • Stroke (cerebrovascular accident)
  • Transient ischemic attack

Reviewed by Garrett Agencies Ltd., October 2026. How we write

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More about Critical Illness Insurance

A lump sum if you’re diagnosed with a covered critical illness.

Engineers Canada Critical Illness Insurance

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