Major Accident Protection
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Major Accident Protection

Because you want to spare your family from the financial burden of an accident


Engineers Canada-sponsored Major Accident Protection can provide the funds to help take your mind off the immediate costs of an accident — so you and your family can focus on recovery instead of bills.

  • $1 million maximum Major Impairment benefit
  • $125,000 maximum Accidental Death benefit
  • As little as $1.50 in monthly premiums
  • Premiums do not go up with age
  • No medical tests or questions when you apply
  • You’re covered anywhere in the world
What’s covered?

Two coverages in one. Major Accident Protection combines Major Impairment accident coverage with Accidental Death coverage — anywhere you are in the world, 24/7.

Guaranteed acceptance. NO medical tests or questions are required when you apply.  Your spouse can also apply.

Low premiums never increase. This is one of the most affordable plans you can ever purchase for personal accident protection — as low as $1.50 a month! Plus, your premiums stay the same even as you get older.

Lump sum benefit amounts. Each unit of coverage provides up to $200,000 of Major Impairment benefits plus $25,000 of accidental death insurance. With the maximum 5 units, that goes up to $1 million and $125,000, respectively. The minimum benefit amounts payable are outlined below:

Covered losses Amount payable per unit
Severe brain damage $100,000
Total & permanent paralysis $200,000
Loss of use of two limbs $200,000
Total & permanent loss of sight, speech or hearing $100,000
Loss of use of one limb, one hand or one foot $75,000
Total & permanent loss of sight in one eye $75,000
Total & permanent loss of hearing in one ear $50,000
Accidental death $25,000
What’s excluded?

Benefits are not payable if death or impairment results from:

  • self-inflicted injury
  • insurrection or war
  • flying, except as a passenger on a commercial flight, or
  • active participation in or attempting or provoking a criminal offence

The Major Impairment benefit is not payable if the insured does not survive the accident for at least 30 days. In that event, the Accidental Death benefit will be paid.

Major Accident Protection
Monthly premiums
  1 unit 2 units 3 units 4 units 5 units
Major Impairment Up to $200,000 Up to $400,000 Up to $600,000 Up to $800,000 Up to $1 million
Accidental Death $25,000 $50,000 $75,000 $100,000 $125,000
Monthly premium $1.50 $3.00 $4.50 $6.00 $7.50
Who is eligible?

You must be a Canadian resident and under 66 years of age to apply. You must also fall under one of the following:

  • Members of the 12 provincial and territorial engineering licensing associations (including members in training). Also, student engineers who are members of a student section (in those associations where a student section exists) and who are within 24 months of expected graduation from a program accredited by the Canadian Engineering Accreditation Board.
  • Members of the 10 provincial associations of technicians and technologists
  • Members of l'Ordre des Géologues du Québec
  • Members of Geoscientists Nova Scotia
  • Members of the Association of Professional Geoscientists of Ontario
  • Members of the Ontario Society of Professional Engineers
  • Members of Genium360
  • Members of l’Ordre des architectes du Québec
  • Members of the Manitoba Association of Architects
  • Members of the Newfoundland and Labrador Association of Architects
  • Members of the Architects' Association of New Brunswick
  • Members of the Nova Scotia Association of Architects
  • Members of the Architects Association of Prince Edward Island
  • Permanent full-time employees of the eligible associations, as defined above, or of Engineers Canada
  • Limited licensees

You may apply for Major Accident Protection for your spouse if you are also applying for it or are already insured under this plan.