Critical illness is all we do here.
Most insurance sites try to sell you everything. CI Cover does one thing properly: help Ontarians understand critical illness coverage, see a real price in seconds, and get an application submitted in one sitting — without the phone tag.
CI Cover is operated by Cameron Hayes of Hayes Family Insurance, a family-run Ontario brokerage that has helped Canadians protect what matters since 1996. We built CI Cover because critical illness is one of the most valuable — and most misunderstood — kinds of coverage, and because getting it shouldn’t mean a week of back-and-forth before you even know the price.
What makes it different
You see a real monthly price from 10 Canadian insurers before you give us anything — no account, no email wall. If you want to go ahead, you finish a short, smart application and e-sign in about five minutes, pick a time that suits you for the insurer’s phone interview, and a licensed advisor files everything with the insurer for you. Your part is done in one sitting.
Licensed, independent, and on your side
CI Cover is operated by Cameron Hayes of Hayes Family Insurance, a licensed life & health insurance agency in Ontario. CI Cover arranges coverage with Canadian insurers; it does not underwrite insurance. Because an independent advisor is paid by the insurer you choose — at the same premium you’d pay going direct — our help costs you nothing, and we answer to you, not to one company’s sales targets. At claim time, you have a real person in your corner.
Your information is handled securely
Your instant price needs no personal information at all. When you apply, your application and health details travel over an encrypted connection to a secure system with restricted access — never emailed around in the clear. We use your information only to prepare and submit your application. See our privacy policy for the full details.