Major Accident Protection

Provides the funds to assist with the immediate costs of an accident.
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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.

Plan Details

What's covered?

Two coverage benefits. 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 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:

 Major Impairment
 covered losses
 Amount payable
 per unit
 Total and permanent Paralysis
 or Loss of Use of two limbs
 Brain Damage  $100,000
 Total and permanent Loss
 of Sight or Hearing or Speech
 Loss of one Hand and
 one Foot
 Loss of one Hand or one
 Foot and Sight of one Eye
 Loss of Use of both
 Hands or both Feet
 Loss of Use of one Arm or
 one Leg
 Loss of Use of one
 Hand or one Foot
 Total and Permanent Loss of
 Sight in one eye
 Loss of Thumb and Index
 Finger of the Same Hand
 Total and Permanent Loss of
 Hearing in one ear
 Total and Permanent Loss of
 Hearing in one ear
 Loss of Four Fingers of
 One Hand
 Loss of All Toes on
 One Foot
What's excluded?

Benefits are not payable if death or impairment results from:

  • Suicide or 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.


Determining your eligibility

Eligibility for application is granted to a Canadian resident under 66 years of age, who is:

  1. A member of the engineering regulators that license the country’s 300,000 members of the profession (including members in training); also, an engineering student who is registered in an engineering program accredited by the Canadian Engineering Accreditation Board;
  2. A member of the Ontario Society of Professional Engineers or Genium360;
  3. A member of the Association of Professional Geoscientists of Ontario, Geoscientists Nova Scotia or the Ordre des géologues du Québec;
  4. A member of one of the participating provincial associations of professional technicians and technologists;
  5. A member of the Manitoba Association of Architects, the Architects’ Association of New Brunswick, the Nova Scotia Association of Architects or the Architects Association of Prince Edward Island;
  6. A full-time employee of Engineers Canada or one of the engineering regulators that license the country’s 300,000 members of the profession or one of the participating organizations or of Youth Science Canada; or
  7. A limited licensee or a provincial licensee.

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


Major Accident Protection Monthly Premiums
Major Accident Protection Monthly premiums
   1 unit  2 units  3 units  4 units  5 units
 Up to
 Up to
 Up to
 Up to
 Up to
 $25K  $50K  $75K  $100K  $125K
 $1.50  $3.00  $4.50  $6.00  $7.50

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