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Both permanent and temporary disabilities are more common than you may think. Ensure your financial protection in the event you are rendered unable to work.

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4.8 Stars
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Our Reviews

Excellent
4.8
Based on 464 reviews
steve R
steve R
Wow what a great experience these guys are so knowledgeable.
Parfiano
Parfiano
I recently had the pleasure of working with Dornaz at Allianz global assistance who helped me secure health and dental insurance, and I couldn't be more satisfied with the experience. From the moment we started the conversation, she was incredibly knowledgeable and attentive to my needs. She took the time to explain all my options clearly, ensuring I understood the details of each plan.What stood out the most was Dornaz’s patience and willingness to answer all my questions, no matter how small. She made the entire process smooth and stress-free, guiding me through all the process and making sure I felt comfortable with my decision. Thanks to her expertise, I feel confident that I chose the best health insurance plan for my needs. I highly recommend Allianz Global assistance services to anyone looking for reliable and friendly assistance in navigating health and dental insurance options! From my experience, Allianz Global assistance is the best insurance company outta here!
Tom Smith
Tom Smith
Agent was very pleasant and efficient in providing an immediate quote
John MacDonald
John MacDonald
I was researching for a travel emergency medical plan for seniors. Allianz was on my list but I hadn't made contact as yet. I received a call back from Ummi Hanny of Alliance as a result of one of my queries and I'm delighted with the result. She listened and guided me through the process with great skill, knowledge and understanding. She forwarded a quote and afforded me time to consider the offer over the weekend and we would reconnect early the next week. This also gave me time to continue my research with a better understanding. which I much appreciated.We spoke on Tuesday and concluded the signing of the coverage offered through Alliance. It was the best plan for me, coverage wise, duration and financially. The fact that Alliance is a European based company is a plus as that is where I'm traveling as well as non U.S, based.Ummi's engaging style lead to these discoveries for me. She was attentive, knowledgeable, personable and genuine. She represents her organization extremely well and I would not hesitate to recommend Alliance and/or engage your service in the future.SincerelyJohn S. MacDonald
Eva Young pow
Eva Young pow
Sehar Bajwa was very efficient, professional and knowledgeable. I was extremely pleased with her prompt service and pleasant personality.
Beth Foster
Beth Foster
Your customer service caller was so helpful. I felt confident going ahead and signing up for health insurance for my upcoming trip. Thank you for your patience and friendliness during the call. I feel better about spending a few days in the United States knowing I have health coverage.
Evelyn Dickson
Evelyn Dickson
I went online for a quote. Then Sehar called me with a quote.Sehar was wonderful. So professional and easy to understand.It was a delight speaking to her. Also the price was the best.
krystyna Harasymowicz
krystyna Harasymowicz
Artemiz Namazi was very professional, patient, and friendly while helping me purchase medical insurance for myself, my husband, and my son.
Miriam Assouline
Miriam Assouline
I had a wonderful experience with this company! Ummi was incredibly helpful, professional, and kind throughout the entire process. She made everything so easy and stress-free. I truly appreciated her support and would highly recommend her to anyone. Thank you, Ummi!
Fern Michel
Fern Michel
Recently purchased Trip Cancellation /Interruption Insurance from them. Say their advertisement on Facebook. The company was easy to deal with and provided information to make an informed decision. Despite not be able to deal with my initial contact person, Artmiz was very attentive, helpful and thorough. The rating given was earned
Joe Kilford
Joe Kilford
Shana and George at Alliance were amazing to work with. They were very friendly and prompt in all transactions.
Theepan Moorthy
Theepan Moorthy
Sehar Bajwa she is very good helpful. Travel insurance very good purchas price .
Robert Grills
Robert Grills
As seniors in our + 70s we know travel medical insurance can be costly without taking out a mortgage. Fortunately our health is better than most our age or even some younger and understand Insurance Underwriters and Acturaries go by statistics. The agent we talked to Karen Write was absolutely patient and helpful. We were pleasantly surprised by the quote she gave, as the quote we had from another carrier was about 3 times more. Naturally we went with Karen Write at Alliance. We can't thank her enough for being so patient, undestanding and helpful. If in the future we are fortunate, health wise, to continue to travel we will definitely call Karen Wright at Alliance. CUDOS to Karen Wright
Edwin Drewlo
Edwin Drewlo
Clear Communication and assurance of service
Nadir Habib
Nadir Habib
i was very impressed with sehar prompt response and helped me through with me getting what i needed
Judy Howard
Judy Howard
Sehar Bajwa was very competent and helpful. I have dealt with her for 3 years and I always get the same quality service when purchasing travel insurance from her.
Danny Swain
Danny Swain
I have just worked with Dornaz Samiei in purchasing trip insurance, and she was informed, efficient and friendly. I couldn't ask for more. Thanks.
Kelly LePage
Kelly LePage
Sehar Bajwa was extremely helpful while we were searching for travel insurance for our upcoming trip. Sehar provided all necessary information and setting up the required insurance was very easy and well-priced
I R b
I R b
Geting tarvel insurance,all process to finalaize our insurance documents was pleasent because friendly (not puschy)and very profesional lady Sehar Bajwa thank you SEHAR
Len Hirsch
Len Hirsch
Simply an Amazing Individual. The Reason I buy my Insurane from.Allianz!!!!Thank You Dornaz!
Susan Madden
Susan Madden
Dornaz was very helpful and responsive to my requests which I really appreciate!
Susan White
Susan White
Thank you Dornaz Samiei for the above service you gave me today. You have so much knowledge and patience.
anne johnson
anne johnson
Great help by Alliance Sehar was a great help.
Maida Kellgren
Maida Kellgren
Dealing with Dornaz was such a pleasure. Great customer service!
Donna Hemming
Donna Hemming
Azita was very helpful and patient with me as I was trying to make my travel insurance choice. She called me back about 3 times and when I was finally ready, she was away and Dornaz was equally helpful in completing my application. I would recommend this company!
Dawna Shane
Dawna Shane
Very helpful and friendly people to deal with. Dornaz answered all my questions and helped me with my travel insurance. I would highly recommend this company.
Tina Rhodes
Tina Rhodes
I am very pleased with the service I received from Alliance. Dormaz was my contact. She was very friendly and easy to talk to. She answered all my questions with kindness, patience, and respect. She found me a policy which offered the coverage I wanted at a better price than I had been able to find on my own.
Robert Hamilton
Robert Hamilton
Very friendly and easy to talk with. Dornaz explained things clearly and allowed me to ask any questions.
Frances Heywood
Frances Heywood
Very friendly and efficient service!
marg marlin
marg marlin
Spent time searching for best options for my needs
Barbara Hanser
Barbara Hanser
Dornaz was extremely helpful to get the right travel insurance for us. She was very friendly and knowledgeable.
Darla Sward
Darla Sward
Ummi. Excellent representative. Very pleased.
Gail Campbell
Gail Campbell
Dornaz was very friendly and professional providing me with travel cancellation/interruption insurance.
hanne sajda
hanne sajda
I’m so happy in dealing with Ummi Hanny , she’s absolutely a star, she really helped me finding the right insurance for me.
Denise Morgan-Fell
Denise Morgan-Fell
Great travel insurance Dornaz was very professional.
A. Ron Algate
A. Ron Algate
Very pleasant, efficient and helpful
Brent Clayton
Brent Clayton
Very easy to set up policy on a ti.ely manner.
Nora from Aurora
Nora from Aurora
The cost quoted was definately comparable to other carriers. My only complaint is that you can never call and get a direct quote. You always have to leave a message and wait for a call back. I find that inconvenient. It took me 2 days to get a quote. It used to take less than 30 minutes.
pradeep mohapatra
pradeep mohapatra
Great service by Dornaz
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What is Disability Insurance?

In the event you become temporarily or permanently disabled, Disability Insurance will replace between 60% to 85% of your income. Disabilities are more common in Canada than you may think, with almost 25% of population aged between 45 and 64 living with at least one disability. 

You also need to consider common temporarily disabilities, such as a broken arm or leg, that can prevent you from working for several months depending on your profession. Furthermore, if your occupation involves intense physical activity, then injuries and accidents may be more prevalent within your field, making Disability Insurance that much more desirable.

What are the levels of coverage?

Insurance companies differentiate between coverage for being unable to work in “own occupation” or “any occupation”. “Own occupation” coverage provides income replacement if you cannot continue working at your job after becoming disabled (either temporarily or permanently). “Any occupation” coverage, however, applies to becoming unable to work in any occupation that is aligned with your education and experience.

 

For example, if a construction worker breaks an arm and is unable to work for 60 days, under “own occupation” that individual would receive partial income replacement. However, under “any occupation” coverage the construction worker could be relegated for time being to office work (planning, scheduling, supplier relations), and not receive benefits. Accordingly, “any occupation” coverage has lower premiums.

What is the cost of Disability Insurance?

Like with most other insurance products, the younger and healthier you are, the lower your premiums. However, the cost of Disability Insurance is also heavily impacted by your occupation. If you work in an environment prone to workplace accidents, your premium will be higher than that of an office worker.

 

Other factors that affect your premiums include your salary, amount of coverage, and duration of benefits. Depending on your circumstance, you can expect to pay anywhere between 1% to 5% for either Short-Term or Long-Term Disability Insurance.

Types of Disability Insurance in Canada

You can get either Short-Term Disability Insurance or Long-Term Disability Insurance, or both, depending on your situation:

Short-Term Disability Insurance

It typically replaces 70% of your salary for up to 6 months if you become unable to work due to a disability. Before purchasing this type of Disability Insurance, check if it is provided by your employer. If your employer does offer it, they may require you to use up your other employment benefits (such as sick leave or vacation days) before your coverage kicks in. You can still purchase a Short-Term Disability Insurance policy if you are dissatisfied with your employer’s coverage.

Long-Term Disability Insurance

Long-Term Disability Insurance replaces on average 60% of your salary for two or more years, depending on your chosen coverage. However, your benefits take effect after Short-Term Disability Insurance or Employment Insurance coverage ends, and you have exhausted your employee benefits such as sick leave and paid vacation days.

How to Save Money on Disability Insurance?

The best way to save money on insurance is to shop around and compare rates from different providers. This can be an exhaustive and time-consuming process. Thankfully, Policy Rates takes care of it for you! When you request a quote through our website, we check what rates you can get from every major Canadian insurer.

Policy Rates provides you with the lowest rates for the level of coverage that you desire from top insurance companies.

How to save money image of Policy Rates

Got Employer Coverage?

Reduce your premiums by adjusting your plan to only fill the gaps in the coverage provided by your employer.

When Is Your Birthday?

Your age bracket impacts your premiums. Avoid higher rates by purchasing a policy before your next birthday.

Are You a Smoker?

Smokers can pay up to a 100% more for the same level of coverage. Consider quitting for a considerable reduction in your premium payments.

Bundle Your Coverage

Disability Insurance is often purchased alongside Life Insurance or other coverages. Get your policies from the same provider for a discounted rate.

Got Employer Coverage?

Reduce your premiums by adjusting your plan to only fill the gaps in the coverage provided by your employer.

When Is Your Birthday?

Your age bracket impacts your premiums. Avoid higher rates by purchasing a policy before your next birthday.

Bundle Your Coverage

Disability Insurance is often purchased alongside Life Insurance or other coverages. Get your policies from the same provider for a discounted rate.

Are You a Smoker?

Smokers can pay up to a 100% more for the same level of coverage. Consider quitting for a considerable reduction in your premium payments.

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4.8 Stars
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