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To take the guesswork out of buying accidental death insurance from ScotiaLife, we’ve put together a short list of what isn’t covered.
Scotia® Accident Insurance does not cover death or hospital confinement due to:
- Illness, disease or natural causes;
- Mental or physical infirmity or any related medical or surgical treatment for these conditions;
- Suicide or attempted suicide while sane or insane;
- An accidental bodily injury that occurs while under the influence of any drug not prescribed by or taken as directed by a licensed physician;
- An accidental bodily injury sustained while the insured’s blood alcohol concentration level was in excess of 80 milligrams of alcohol per 100 millilitres of blood;
- Any poison or gas voluntarily taken, administered, absorbed or inhaled;
- Flying (except as a passenger on a recognized commercial airline) or any form of aerial activity;
- War (declared or not declared), insurrection, riot or civil commotion;
- Participation in a professional athletic competition or demonstration;
- Commission of, or attempt to commit, or the provocation of any indictable criminal offence.
For additional coverage details, see our online insurance certificates or call us toll-free at 1-800-387-9844. Be sure to also ask about ScotiaLife’s accident care hospitalization insurance.
Your satisfaction is our top priority
We want you to be happy with your Scotia Accident Insurance. That’s why we give you a 30-day review period. If you're not satisfied with your plan, simply cancel your coverage in writing within 30 days of receiving your insurance certificate and we will refund any premiums you may have paid. Find out more by reviewing our Satisfaction Guarantee.
Scotia Accident Insurance Plan is underwritten by Scotia Life Insurance Company and is sold only through ScotiaLife, not in Scotiabank branches. Scotia Accident Insurance Plan is subject to the terms and conditions in the applicable Certificate of Insurance.
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