What is covered?

We cover ANY sports or recreational activities, hobbies or occupation


Who can we protect?

  • Amateur and Professional Atheletes - wether your a weekend warrior or already made it to the big leagues.
  • Self Employed / Entreprenuers / SMALL BUSINESS OWNERS - are you without coverage because you thought it was too expensive?
  • Hairdressers / Massage Therapists / Chiropractors / Artists - anyone who relies on their hands to work & earn an income.
  • ALL Trades & Construction Workers - you would be covered at work but what about outside work / days off?
  • Farmers & Ranchers - Involved with potentially high risk activities and without group benefits .
  • ALL SPORTS - Do you play hockey, baseball, rugby, soccer, water polo, basketball, football, lacrosse, golf, tennis or rodeo? WE COVER ANY and ALL SPORTS.
  • Motorsports - Do you ride a street bike, ATV, dirt bike or moped? We got you covered!
  • FAMILIES - coverage for your ENTIRE family including newborns to 18 years old with UNLIMITED number of kids for the same price!
  • SOON TO BE RETIRED OR RETIREES - ideal for people who may be without group benefits through work or coverage is ending at age 65. We can cover you until age 85 or lifetime (depending on products).
  • DO NOT QUALIFY / BEEN REJECTED BY TRADITIONAL INSURANCE - Let's sit down and see how our unique coverage can help you!
  • INDIVIDUALS or STUDENTS - Very affordable and customizable plans for every budget.

We cover you for MINOR INJURIES like stitches and fractures (regardless if its from a motorbike accident or sports injury or working at home) or SICKNESS like Tonsilitis, Pneumonia or Infections to MAJOR Incidents like a car or motorbike accident, Cancer, Stroke, Heart Attack.

How are we different?

  • Pays you from the very 1st Day you become injured or sick
  • Unlimited Claims and NO price increases - no matter how many times you may need to use it!
  • Coverage in Canada & USA - 24 hours a day / 7 days a week / 365 days a year.
  • All benefits are paid directly to you TAX-FREE to use any way you see fit (replace lost income, pay additional expenses, go on a holiday to recover).
  • Benefits are paid in ADDITION to any other insurances you may already have like group benefits, EI or WCB (Does NOT affect EI or WCB payments).
  • Paid for a loss of time NOT a loss of income like the model that group benefits, EI or WCB are based upon.
  • Use of Our definition of Disability using YOUR Doctor / Health Care Professional NOT an Insurance Company Doctor.
  • Coverage from newborns to ages 85 and everything in between.
  • A recovery period is included to allow you the necessaary time to heal properly before returning to work / normal activities.


  •  War or act of war, declared or undeclared / Active Military Personnel
  •  Suicide or any intentionally self-inflicted injury
  •  Misuse of medication, or the abuse of drugs or intoxicants, or from having a blood alcohol level of 80 milligrams of alcohol in 100 milliliters of blood
  •  Committing or attempting to commit a criminal offence
  •  Medical or surgical treatment or complications from the treatment, except when required as a direct result of an injury;
  •  Cosmetic or elective surgery;
  •  Any palliative care treatment