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We've compiled a list of commonly asked questions about the Scotia® Accident Care Plan. For more details, see our online insurance certificate and our list of what isn’t covered. Or call us toll-free at 1-800-387-9844.
Who can apply for the Scotia Accident Care Plan?
I already have accident insurance. Why do I need more?
Won’t my provincial health insurance take care of me if I’m hospitalized due to an accident?
When does my coverage begin?
When does my coverage end?
Is there a total maximum benefit?
Will my rates increase if I’ve made a claim or my health changes?
What if I change my mind after buying this accident insurance?
Can I buy accident insurance at my branch?
What is the definition of spouse?
How do I contact Scotia Life Insurance Company?
Who can apply for the Scotia Accident Care Plan?
Scotiabank customers and their spouses who are between the ages of 18 and 69, and are Canadian residents. Apply now!
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I already have accident insurance. Why do I need more?
Many accident insurance plans will pay a cash benefit if you die as a result of an accident. The Scotia Accident Care Plan gives you and your family extra protection by paying benefits if you survive a covered accident and are hospitalized for a minimum of 12 consecutive hours up to a maximum of one full year. Each year, over 198,000 hospital stays in Canada are due to injuries suffered in accidents (2003 National Trauma Registry Report – Hospital Injury Admissions). Apply now!
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Won’t my provincial health insurance take care of me if I’m hospitalized due to an accident?
Your provincial healthcare plan will cover your doctor and hospital fees. But what about all those other “extra expenses,” such as parking, babysitting, a private or semi-private room, and the income you're losing while you're in the hospital? With the Scotia Accident Care Plan, you get a cash benefit to spend any way you choose for each day you're hospitalized due to a covered accident. This tax-free benefit is paid up to a maximum of 365 days, with a minimum hospital stay requirement of 12 consecutive hours. See our online insurance certificate for more details. Apply now!
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When does my coverage begin?
Provided your first premium has been paid, your coverage begins on the date stated on your insurance certificate. As part of our satisfaction guarantee, we give you 30 days to review your plan. Should you decide, for any reason, to cancel your coverage within 30 days of receiving your insurance certificate, we will refund any premiums you may have paid. Apply now!
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When does my coverage end?
Your insurance is effective until the certificate anniversary immediately following your 80th birthday. However, your benefit is reduced to 75% at age 65 and to 50% at age 70.
Your coverage will also end automatically on any of the following:
- the date the 30-day grace period for an unpaid premium expires;
- for an insured spouse, the date the insured spouse ceases to be a spouse of the insured Scotiabank customer;
- the date you cease to be a resident in Canada;
- the date we receive your written request to cancel your coverage; or
- the date you are notified in writing that the group insurance policy is terminated.
Apply now!
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Is there a total maximum benefit?
For each Hospital Stay for a covered accident, the total maximum coverage per insured is $300 a day for up to 365 days. The daily benefit is doubled for intensive care stays in Canada (up to 365 days) or for emergency hospitalization (up to 30 days) outside Canada but in the United States, Mexico, Europe or the Caribbean. The maximum amount is reduced to 75% (or $225) at age 65 and to 50% (or $150) at age 70. Apply now!
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Will my rates increase if I’ve made a claim or my health changes?
No, once you've enrolled, your rates are guaranteed never to increase – regardless of any changes in your health or the number of claims you make. Apply now!
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What if I change my mind after buying this accident insurance?
To ensure you're 100% satisfied, we give you 30 days after receiving your certificate to review the plan details. If you decide to cancel within this review period, simply tell us in writing, indicating your name, insurance certificate number and the date you wish to cancel your coverage. We’ll refund any premiums you’ve paid – with no hassle and no questions asked. You may also cancel any time after the 30-day review period, but no premiums will be refunded. Apply now!
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Can I buy accident insurance at my branch?
No, the Scotia Accident Care Plan is available only from Scotia Life Insurance Company. Applying is quick and easy. Apply now!
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What is the definition of spouse?
To be an insured spouse, you must be either legally married to the insured Scotiabank customer, or residing together in a conjugal relationship with the insured Scotiabank customer for at least one continuous year. For more details, please review our online insurance certificate. Apply now!
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How do I contact Scotia Life Insurance Company?
You can contact us toll-free by phone 1-800-387-9844, or by fax at 1-800-647-8129. Or mail us at:
Scotia Life Insurance Company
100 Yonge Street, Suite 400
Toronto, ON M5H 1H1
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Got more questions? We've got answers
See our online insurance certificate and our list of what isn’t covered. Or call us toll-free at 1-800-387-9844. Be sure to also ask about ScotiaLife’s accidental death insurance – including our $2,000 complimentary coverage.
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Scotia Accident Care Plan is underwritten by Scotia Life Insurance Company and is sold only through ScotiaLife, not in Scotiabank branches. Scotia Accident Care Plan is subject to the terms and conditions in the applicable Certificate of Insurance.
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