See your critical illness price in 20 seconds. Apply in 5 minutes.
Compare 10 Canadian insurers instantly — then finish a short application and a licensed advisor files it with the insurer for you. No account. No medical exam questions you don’t need.
- No gate. See real monthly prices before you give us anything.
- One sitting. Discover your price and complete your application in about 5 minutes.
- We submit for you. A licensed Ontario advisor files the carrier application — no phone tag.
Your instant price
No email or account neededEnter your date of birth to see your price.
We’ll price this one by hand — a licensed advisor will send your comparison within one business day. Call 343-882-5216.
Prices are indicative, confirmed at underwriting. Rates updated 2026-10-26.
From price to submitted — in about 5 minutes
See your price
Five quick questions, real monthly premiums from 10 insurers. No account, no email wall.
Finish your application
A short, smart questionnaire — only the questions your situation needs. Everything you entered carries over; no re-typing.
We submit it
A licensed Ontario advisor files the carrier application for you and confirms by email — usually same day. Book a 10-minute call if you’d like to review first.
Everyone else makes you wait for a call. We let you finish now.
Most sites give you a quote, then “an advisor will reach out” — days of phone tag, then they re-ask everything and re-type it into the carrier’s form. We collect what’s needed once, you e-sign, and we file it. Your part is done in one sitting.
- Collect once. Your quote answers pre-fill the application — no double entry.
- Only the right questions. Smart branching skips what doesn’t apply to you.
- No account, no card. Nothing to create, nothing to pay to see your price or apply.
- A real human, on your schedule. Book a 10-minute slot or get a call back — not “sometime soon”.
- Ontario-focused & licensed. Hayes Family Insurance, FSRA licensed (Ontario).
- Your data is handled securely — never emailed around in the clear.
What critical illness insurance pays for
A tax-free lump sum if you’re diagnosed with a covered condition — to replace income, cover treatment, or just remove money from the list of things to worry about. Covered conditions vary by insurer; common ones include:
Top plans cover 20–44 conditions. We’ll show you exactly what each insurer covers before you apply.
Questions, answered
Is this a real price or a rough estimate?
Real premiums pulled from 10 Canadian insurers’ current rates for your age, sex, tobacco status, coverage and term. Final pricing is confirmed by the insurer at underwriting — we’ll flag anything that could change it.
Can I actually buy coverage online right now?
Critical illness is medically underwritten, so no one can bind full coverage in one click. What we do differently: you finish the entire application in ~5 minutes, e-sign, and a licensed advisor files it with the insurer for you — usually the same day.
Do I need a medical exam?
Often no. Many plans are no-exam for common coverage amounts; some ask a short health questionnaire. Our form only asks what your situation needs.
Who are you?
CI Cover is operated by Cameron Hayes of Hayes Family Insurance, a family-run Ontario brokerage, FSRA licensed (Ontario). You deal with a licensed human, not a call centre.
What does it cost me to use an advisor?
Nothing. The insurer pays us — you pay the same premium you’d pay going direct, and you get someone in your corner at claim time.
First, where do we send your confirmation?
We’ll email you when your application is submitted. No spam, ever.
About you
Exactly what the insurer’s application asks for. Your date of birth carries over from your quote.
Work & beneficiary
Your occupation and who receives the benefit. The insurer needs both on the application.
Health & your doctor
Honest answers keep your policy valid at claim time — and let the nurse interview go quickly. Detailed questions are covered on the phone call; this is the summary your advisor needs.
Lifestyle & existing coverage
A few quick questions the insurer and the phone interview will ask. Most people answer “No” to all of these.
Schedule your phone interview
Most insurers finish underwriting with one recorded phone call (about 15–25 minutes) with a nurse or interviewer. Tell us when suits you and your advisor lines it up — no phone tag.
Consent & signature
So your advisor can submit this application and the insurer can underwrite it.
Review & submit
One look, then we take it from here.
🔒 Your information is sent securely and is never shared or sold.
You’re done, there.
Your critical illness application is in. Cameron Hayes, a licensed advisor, will file it with the insurer — usually the same business day — and email your confirmation to you.
What happens next
- Now: we’ve received everything we need — no further forms.
- Within 1 business day: your advisor submits the application to the insurer and confirms by email.
- Underwriting: the insurer reviews; your advisor keeps you posted and handles any follow-ups.
- Approved: you review and accept, set up payment, and your coverage is active.