CAA Critical Illness Insurance
Coverage for 44 Critical Illnesses/Conditions

The 44 conditions covered (27 critical illnesses, 17 early-stage conditions) are:

• Aplastic Anemia
• Multiple Sclerosis
• Occupational HIV Infection
• Endovascular Aortic Surgery
• Coronary Angioplasty
• Aortic Aneurysm (of specified severity)
• Implantation of a Permanent Cardiac Pacemaker
• Implantation of a Permanent Implantable Cardioverter-Defibrillator (ICD)
• Cancer of Specified Severity
• Early-Stage Breast Cancer - Carcinoma In-Situ (CIS) of the Breast Treated with Total Mastectomy
• Early-Stage Prostate Cancer - Prostate Cancer Treated with Radical Prostatectomy
• Early-Stage Blood Cancer - Chronic Lymphocytic Leukemia - Stage 0
• Early-Stage Breast Cancer - Carcinoma in-Situ (non-invasive cancer)
• Early-Stage Intestinal Cancer – Gastrointestinal Stromal Tumours (GIST)
• Early-Stage Prostate Cancer – Prostate Cancer (Stage T1a or T1b)
• Early-Stage Skin Cancer – Dermatofibrosarcoma
• Early-Stage Skin Cancer - Primary Cutaneous Lymphoma
• Early-Stage Skin Cancer – Malignant Melanoma
• Early-Stage Thyroid Cancer – Papillary Thyroid Cancer or Follicular Thyroid Cancer
• Other Forms of Cancer - Carcinoma in-Situ (non-invasive cancer)
• Other Forms of Cancer – Neuroendocrine Tumours (including carcinoid tumours)
• Aortic Surgery
• Cardiomyopathy
• Coronary Artery Bypass Surgery
• Heart Attack
• Heart Valve Replacement or Repair
• Benign Brain Tumour
• Motor Neuron Disease (including ALS)
• Acquired Brain Injury
• Bacterial Meningitis
• Coma
• Dementia, including Alzheimer's Disease
• Paralysis
• Parkinson's Disease and Specified Atypical Parkinsonian Disorders"Stroke (cerebrovascular accident resulting in persistent neurological deficits)”
• Blindness
• Deafness
• Loss of Limbs
• Severe Burns
• Loss of Independence Existence
• Loss of Speech
• Kidney Failure
• Major Organ Failure (on Waiting List)
• Major Organ Transplant

Covered conditions fall into two categories:

• Fully covered option: If you’re diagnosed with a fully covered condition, you’ll be eligible to receive a lump-sum payment equal to 100% of your coverage amount.
• Partially covered condition: If you’re diagnosed with a partially covered condition, you’ll be eligible to receive a lump-sum payment equal to a percentage of your coverage amount.

CAA Critical Illness Insurance covers 44 critical conditions - amongst some of the most comprehensive coverage in Canada.

When it comes to CAA Critical Illness Insurance, the waiting period refers to the time between when you receive the diagnosis of a covered illness and when you can submit a claim. Waiting periods can vary by insurance providers, the covered condition and the terms of your policy. These typically range from 30 to 90 days but may be longer in some cases. Note that with CAA Critical Illness Insurance, there’s no waiting period for more than half of the covered conditions.

CAA Critical Illness Insurance is provided as a lump-sum payment to the policyholder who is diagnosed with a covered critical illness and meets the conditions outlined in their insurance policy.

Buying insurance can be a big decision. So, if you change your mind about having coverage, know you can cancel your critical illness insurance at any time, as long as you haven’t submitted a claim. With CAA Critical Illness Insurance, you can get a full refund on any premiums you paid if you cancel within 30 days of purchasing your policy.

If you cancel after the 30-day period, you’ll receive a pro-rated refund of any prepaid premiums. You won’t be charged any cancellation fees or penalties either.

You can securely set up pre-authorized monthly payments for your policy, to ensure you never miss a payment. Accepted payment methods are Visa, Mastercard, Amex or Diner’s Club credit cards.