Engineers Canada Major Accident Protection

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

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A young family on the floor. The mother and father are tickling their young daughter.

Plan Overview

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.

General information

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:

Covered losses
Amount payable per unit
Total and permanent Paralysis or Loss of Use of two limbs
Brain Damage
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
Accidental death
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 age 65, 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.

Major Accident Protection Rates

Major Accident Protection Monthly Premiums
Elmination Period
1 unit
2 units
3 units
4 units
5 units
Major Impairment
Accidental Death
Monthly premium

Premiums are subject to change without notice.

This single monthly premium covers ALL your eligible dependent children, regardless of how many you have.

Get in touch

Talk to an advisor who can understand your situation, answer your questions and help you build an insurance plan appropriate for you and your family.