Life, health and disability insurance – Coronavirus (COVID-19)

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The coronavirus (COVID-19) situation is evolving very quickly and we know that our clients have a lot of questions. Rest assured that we’re here to help you find the answers you need. We’ll also make sure to keep you informed about any decisions we make in response to the coronavirus that may affect your life, health or disability insurance.

We know this is a difficult time for a lot of people, and the physical and financial health of our clients is important to us. If you’re experiencing financial difficulty, please reach out to us. Supporting you is our priority.

We’ve put together this FAQ for you. Please note that in case of discrepancy between the FAQ and your contract, the information in your contract takes precedence.

What is a coronavirus?

Coronaviruses are a family of viruses that include the cold virus and that usually cause respiratory illness. For more information on the symptoms of this virus, read the FAQ prepared by the Government of Canada External link. Opens in a new window..

Life insurance

Will my life insurance cover a death caused by COVID-19?

Yes, your life insurance will cover a death caused by COVID-19.

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Disability insurance

Am I covered by my disability insurance if I contract COVID-19?

Your disability insurance covers you if you contract COVID-19, just like any other illness, subject to the terms of your contract.

You’ll be entitled to receive benefits if you remain disabled at the end of your coverage’s waiting period. Note that we do not pay benefits retroactively to cover the waiting period.

Am I covered by my disability insurance while I’m quarantined for COVID-19?

No, your disability insurance does not cover you for any kind of quarantine, preventive or otherwise. Your disability insurance only covers accidents and illnesses, subject to the terms of your contract.

Please check for updates on the Government of Canada website External link. Opens in a new window.. To support Canadians under quarantine, the government has relaxed some of the rules of the Employment Insurance and Work-Sharing programs.

Critical illness insurance

Am I covered by my critical illness insurance if I contract COVID-19?

Your critical illness insurance covers only the conditions listed in your contract. Because COVID-19 is not one of these conditions, it is not covered.

However, if you become ill with one of the conditions in your contract as a result of a complication of COVID-19, that condition will be covered, subject to the terms of your contract.

Healthcare insurance (out-of-country emergency medical care and services)

Will I be covered for expenses related to emergency medical care or services if I contract COVID-19 during my trip?

It depends on the trip start date.

  • If you began your trip before March 13, 2020 (the date the Government of Canada issued a travel advisory warning Canadians to avoid all non-essential travel outside of Canada):Yes, expenses related to emergency medical care or services to treat COVID-19 are covered.Note: If the Government of Canada had issued an advisory to avoid your specific destination before March 13, 2020 (for example, cruises or countries such as China, Italy and Iran), your medical expenses are only covered if you began your trip before the government advisory was issued.
  • If you began your trip on or after March 13, 2020:No, expenses related to emergency medical care or services to treat COVID-19 are not covered.

Victoria Day

The last Monday in May, the day Canadians rise up to honor the “Mother of Confederation”!

Victoria Day, this glorious legacy from 1845, is not just a holiday, but a glorious start to the summer season.

So pack your bags and get ready for your first summer vacation!

Your trip, our travel insurance!

From day one, to the moment you claim your insurance, we are by your side to make sure you have the best and most suitable insurance coverage.

To maintain a better life, we suggest that you choose insurances such as travel insurance, supplemental insurance, critical illness insurance, disability insurance, and special care at the right time according to your level of need.

Happy Canada Day

On July 1, 1867, Canada became a self-governing dominion of Great Britain and a federation of four provinces: Nova Scotia; New Brunswick; Ontario; and Quebec. The anniversary of this date was called Dominion Day until 1982. Since 1983, July 1 has been officially known as Canada Day.

What Do People Do?

In many towns and cities, municipal governments organize a range of events, often outdoors. These include pancake breakfasts, parades, concerts, carnivals, festivals, firework displays and citizenship ceremonies for new Canadian citizens. The celebrations often have a patriotic mood. Canada’s national flag is widely displayed and a lot of people paint their faces red and white, which are Canada’s national colors. The celebrations in Ottawa, which is Canada’s capital city, are particularly exuberant.

In the province of Quebec, many home leases start on July 1 and last for exactly one year. Hence, many people in Quebec spend Canada Day moving their possessions from one house to another. In this province, Canada Day is also known as Moving Day.

In the province of Newfoundland and Labrador, July 1 is also Memorial Day. This commemorates the heavy loss of life in the Newfoundland Regiment on the first day of the Battle of the Somme during World War I. In Newfoundland and Labrador, the morning of July 1 is usually somber. Flags are flown at half-mast and memorial services are held at cenotaphs (war memorials). In the afternoon, Canada Day celebrations in the province are similar to those in the rest of the country.

From the 19th century until the 1970s, more than 150,000 Indigenous children were forced to attend state-funded Christian schools, most run by Roman Catholic missionary congregations, in a campaign to assimilate them into Canadian society.

Trudeau said many Canadians won’t be able to celebrate as the country marks its birthday on July 1.

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Happy Father’s Day

Happy Father’s Day to all the fathers who are patient, loving, dedicated, hard-working and generous.

We at Insufin congratulate 2021 Father’s Day, wish you healthy, wealth with happiness.

our mission educates financial literacy this Father’s Day. close to 53% of Canadians are living paycheck to paycheck and they deserve to have protection in life, health, and wealth according to their budget.

Please feel free to contact us concerning your insurance needs or get a quick and easy Online Insurance Quote by filling out the simple form in the corresponding section of our website.

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Happy Victoria Day

Victoria Day is a federal Canadian public holiday celebrated on the last Monday preceding May 25. Initially in honour of Queen Victoria’s birthday .Queen Victoria was born on May 24, 1819. Following the death of 3 uncles and her father, she became Queen of the United Kingdom on June 20, 1837 and reigned until her death on January 22, 1901. During Victoria’s life, the British Empire expanded considerably. However, her powers as Queen of the United Kingdom were reduced as the House of Commons became more important and powerful in British politics.

Happy Victoria Day! All best wishes with happiness.

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mohammad rahimian
Mo Rahimian - Insurance Broker, Toronto
My reputation is more important than my paycheck.
Direct phone number:
📞 905-370-0011
Rahimian Insurance Company has been operating in Canada since 2002. We are an official member of the Insurance and Financial Advisors of Canada. We offer individual, group, and investment insurance services. I, Mohammad Rahimian, along with my experienced colleagues, am at your service—offering free consultations with our expertise in the field of insurance.