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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 416 reviews
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
Dennis Wright
Dennis Wright
Dealt with Sehar Bajwa for travel insurance coverage for Caribbean cruise.Dealt with her for previous policy as well.Was very pleasant and helpful in completing the application.
Noguts
Noguts
we dealt with Dornaz as our agent. Great service. First time using Alliance but will not be our last. Thank you
Gerald Berezuk
Gerald Berezuk
Dornaz was knowledgeable, professional, friendly and took the time to explain things clearly
Genry Garcia López
Genry Garcia López
Thanks to Mia Chen we were able to get our home insurance. She is very professional and safe.
Lily
Lily
I reached out to Alliance in my search to get travel insurance for an immigration visa for a family member. Ummi has been great throughout the process. She was available for all questions I had and assisted me in extending the plan as we had delays. I highly recommend her services as an insurance broker.Thank you Ummi!
Dee Tung
Dee Tung
Sehar Bajwa looked after all my travel insurance needs in the utmost professional mannerShe was very helpful asking the right questions to help get the insurance that was right for me. I will definitely call her for my next trip to Japan
James Francis
James Francis
To date everything promised was delivered. If we ever need to make a claim, I will update with our experiences
Pratibha Malavia
Pratibha Malavia
Sehar Bajwa helped me with buying travel insurance for my husband. She was amazing!! The process was fast and painless. This was first time buying travel insurance and I was little leery about it but Sehar was very helpful in answering all my questions and she was very patient and caring. Thank you Sehar for making it so easy for me and it was pleasure dealing with you.
Suzanne & Roy Cormier Palmer
Suzanne & Roy Cormier Palmer
A fantastic experience! Sehar could not have been more helpful and competent. It was a real pleasure with someone so efficient and patient. I have already recommended Alliance Income to some friends and directed them to Sehar. Great work! Keep it up!
Antonio Talanga
Antonio Talanga
Very knowledgeable and able to recommend the best insurance for the circumstances
Jan-Paul Landry
Jan-Paul Landry
Sarah, was very helpful in providing us with answers to our questions, and guiding us through our needs for travel insurance.
Chris Paveley
Chris Paveley
Excellent service from Ummi.
Dave Fabello
Dave Fabello
Sahar provided a detail of my coverage was very courteous allowed me to review! After a couple weeks later we reconnected to secure!Great experience!
hayam rozik
hayam rozik
Thank you Sehar Bajwa, prompt helpful and professional.
Janet Fountain
Janet Fountain
I got my out of country medical insurance assisted by Sahar. It was a pleasure workingwith her and will be contacting her for any future trips. Thank you Sahar.
Edgar Montano
Edgar Montano
Attended by Artmize, good customer service, puntual and very professional. Will continue making bussiness with her.
Kevin Rodger
Kevin Rodger
Sehar Bajwa was great and very knowledgeable. Sehar has been more than helpful over the last few years with my travel insurance needs. Thank you again Sehar.
Deb Knight
Deb Knight
Sehar was super to deal with! she called with clarifications and any questions. Very happy with our travel insurance purchase. Hoping if we need to use it will be clear and easy too. Thank you Sehar we appreciate you
Mary Crossan
Mary Crossan
Sehar Bajwa gave us a lot of attention over 2 days with a details sent by email and over the phone. We obtained exactly what we wanted for medical insurance for the trip. Thank you Sehar!!Mary Lou and Fred Crossan
Rachel Blouin
Rachel Blouin
I’ve dealt with Sehar for the last few years and she is knowledgeable and helpful when purchasing our insurance for our stay in Florida for the winter I highly recommend her
Faye Libler (MacGIRLver)
Faye Libler (MacGIRLver)
Sehar was wonderful to deal with while buying medical insurance for our winter in Arizona. We had been having trouble securing insurance for my husband because of some health issues and she found a company very quickly that would cover him. Of course we always hope not to have to use our insurance but if we do I hope it goes as smoothly as when we purchased. Thank you Sehar!
Linda
Linda
Sehar Bajwa always followed up and double checking all prices and providers for the best insurance to fit our needs. Very patient and thorough, highly recommend her expertise
Cindy Mathison
Cindy Mathison
Quick, reasonable and the broker, Sehar Bajwa was helpful, knowledgeable and kind.Thank you Sehar!
Donna Karjalainen
Donna Karjalainen
Sehar was a great help in sorting out my travel insurance, even while I was on the road, follow up was easy.Emergency medical and Trip insurance, got a great rate, tks again Sehar!
John Fantin
John Fantin
Service was excellent. Assisted in every way possible to clarify my needs.
Mikhael Chernitsky
Mikhael Chernitsky
I and my wife got travel insurance with help of insurance agent Sehar Bajwa. Tanks a lot for Sehar Bajwa for very professional and competent job.
Bandna Sawhney
Bandna Sawhney
Thanks Sehar for your knowledge and patience while I decided which package to take!! Well done!
Joy McDonell
Joy McDonell
I had a great experience with Sehar when purchasing my travel insurance.
Katiana Lo
Katiana Lo
Thank you Ummi, Alliance Income for her wonderful service, she was helping me with travelling insurance with professional manners, giving me options and advices that I felt very comfortable and confidence. The process was smooth and efficient, right after the phone call process, the policy was immediately delivered to my e-mail. I would recommend Alliance Income and agent Ummi. Thanks.
Pam Singh
Pam Singh
Spoke with Artmiz. Very knowledgeable and very professional. Answered all my questions.Would highly recommend her to family and friends...actually, I already did and my friend was very pleased with the service she received
Eklove Shatner
Eklove Shatner
My dealings with both Adam and Theresa were handled in a professional prompt manner giving me confidence in Alliance. I hope never to have the need to use my coverage, but I would hope that the experience would be as good.
Stephen J. Rushford
Stephen J. Rushford
Ummi was most helpful and informativewhen I purchased Trip Cancellation andInterruption coverage on September 19!
Joanne Hunt
Joanne Hunt
Amazing service! Nice to talk with a real person and not just online. Great at changing my insurance with no issues.
Geoff Stiles
Geoff Stiles
Artmiz was capable, responsive and punctual. A good experience!
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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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Insurance Companies Partners