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Extreme Sports Disability Insurance

What is considered “Extreme Sports”?

Most people that are engaged in outdoor activities might not consider themselves engaged in extreme sports, however, insurance companies view these activities quite differently.

Below is a non-exhaustive list of activities that insurance companies would consider “Extreme Sports”:

  1. Practicing Aviation (other than as a passenger)
  2. Scuba Diving
  3. Parachuting
  4. Heli-skiing
  5. Winter Sports in Avalanche Risk Area
  6. Backcountry skiing
  7. Mountaineering
  8. Ice Climbing
  9. Climbing
  10. Hang Gliding
  11. Paragliding
  12. Car or Motorcycle Racing

How does “Extreme Sports” accident insurance work?

We offer a plan through Industrial Alliance (iA) called “Acci-7” which offers 5 various accident coverages which all cover extreme sports such as climbing, skiing, and others. Each coverage has a number of units you can purchase to increase the amount you would receive from each benefit. You can mix and match what coverages are most important to you and how many units you want to purchase. 


1. Disability in Case of Accident

Whether you are employed or unemployed, you can receive a non-integrated monthly benefit of $700 per unit for total disability in case of an accident that results in: hospitalizationdismembermentfracture, major burn, or major laceration. The payment is not subject to a waiting period and is payable multiple times for a period of 7 months per accident. No lifetime maximum.

Fine Print:

Totally disabled varies depending on your employment and your specific occupation

Total disability for a person with remunerative work at the time of accident: the state of disability resulting, directly and independently of any other cause, from an accident that leads to hospitalization, dismemberment, fracture, major burn, or major laceration, and that is sustained while this coverage is still in force and requires continuous medical care, recommended by a physician, according to the necessary frequency for that disability and which prevents the insured from performing the duties of his or her regular occupation prior to the onset of disability.

Regular occupation: any employment, job, occupation, or profession for which the insured was receiving eligible income prior to the onset of disability.

Total disability for a person without remunerative work at the time of accident: the state of disability resulting, directly and independently of any other cause, from an accident that leads to hospitalization, dismemberment, fracture, major burn or major laceration, and that is sustained while this coverage is still in force and requires continuous medical care, recommended by a physician, according to the necessary frequency for that disability and which prevents the insured from performing most normal activities of daily living, such as, but not limited to, meal preparationhousekeeping and shopping for groceries and daily needs.

Note: As of age 70, the benefit is limited to 50% of the insured amount.

Read The Contract For Full Details

2. Accidental death, dismemberment, or loss of use (AD&D)

This coverage provides protection in the event of death, dismemberment, or loss of use resulting directly from accidental bodily injury, up to $70,000 per unit to a maximum of $350,000 (5 units). Benefits vary depending on the sustained loss.

Fine Print:
Accident: a sudden and unforeseeable event that causes, directly and independently of any other cause, bodily injury resulting exclusively from a cause that is external, violent, and unintended by the insured and which requires regular and continuous medical care, recommended by a physician.

The table below describes the benefits payable based on the insured amount specified in the summary of coverages:

Benefit DetailsPer Unit
Loss of life (death), loss of sight in both eyes, loss of both hands or both feet,
loss of one hand and one foot, loss of one hand and sight in one eye,
loss of one foot and sight in one eye, loss of hearing and speech
$70,000
Loss of one arm or one leg$52,500
Loss of one hand or one foot, loss of sight in one eye, or hearing or speech$35,000
Loss of one finger or one toe$3,500

Read The Contract For Full Details

3. Accidental fracture

This coverage provides a lump-sum payment of up to $7,000 per unit in case of accidental bone fracture. Only the fracture with the highest benefit amount will be paid in the event of multiple fractures. 

The table below describes the benefits payable based on the insured amount specified in the summary of coverages:

Fracture TypePer Unit
Skull, spine, pelvis, femur, hip$7,000
Sternum, larynx, trachea, scapula, radius, humerus, ulna, patella, tibia, fibula, coccyx$1,750
Any other bone$700

Read The Contract For Full Details

4. Extended medical care further to an accident

Accidents and medical care often go together. This coverage reimburses medically necessary expenses incurred in Canada within 12 months of the date the accident took place. Examples of expenses covered include hospitalization, ambulance, private home care, laboratory analysis, equipment rental, professional fees (physiotherapist, chiropractor, …), etc.

Fine Print:

  • Lifetime maximum of $100,000
  • Reimburses medically necessary expenses within 12 months of the date of the accident
  • Care must be provided in Canada
  • Benefits are coordinated with other insurance benefits you may have such as group insurance plans, family insurance plans, government plans, and others

Read The Contract For Full Details

5. Hospital benefit

A daily benefit of $70 to $350 per day is paid for hospitalization in Canada or the United States, lasting for 18 hours or more, including day surgeries. For each episode of hospitalization, you also receive a seven-day convalescence benefit to give you time to recover.

Number of hospitalization days + 7 extra days

  • 1 day in hospital = 8 paid days
  • 10 days in hospital = 17 paid days

Fine Print:

Need to be hospitalized lasting 18 hours or more, including day surgeries. A trip to the emergency room where you get stitched up and leave within a few hours doesn’t count.

Read The Contract For Full Details


Here’s an example:

Scott is a 38-year-old self-employed photographer who is also an avid climber.

Scott’s Plan

Coverage TypeNumber of UnitsCoverageMonthly Premium
Disability Insurance2$1,400/month$14
AD&D1$70,000$7
Accidental Fracture2$14,000$14
Extended Medical Care1$7
Hospital Benefit2$140/day$14
Total Premium$56

Scott has an accident while out ice climbing and fractures his ankle in multiple spots.

Paid Benefits

Tibia fracture (ankle)$3,500
Hospitalization for 5 days5 x $140$700
Convalescence benefit7 x $140$980
Total disability for 6 months6 x $1,400$8,400
Ambulance transfer to Banff$500
Physiotherapy8 x $40$320
Misc Medical Equipment$400
Prescription Drugs$80
Total$14,880

Scott is able to use these funds to help with medical expenses and bills while he is recovering.

Have more questions?

If you are still uncertain and have any more questions regarding this coverage for yourself, don’t hesitate to reach out and have a conversation with us.

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