Critical Illness Insurance in Quebec

For an example profile (35-year-old female, non-smoker, $100,000 comprehensive CI, Term 10), Instasure’s model estimates roughly $45.00–$67.00/mo as of October 2026. Your price depends on age and smoking status, number of covered conditions, benefit amount and term and the insurer — get an instant personalised estimate, then a licensed advisor confirms real insurer quotes.

Yes. Individual life, critical illness and disability policies stay in force if you move within Canada — just update your address with the insurer. Health and dental plans may re-price by province.

Autorité des marchés financiers (AMF). Representatives and firms must be certified/registered with the AMF; online insurance offers require an AMF-registered firm with a representative available to consumers. Complaints about insurers can be escalated to the General Insurance OmbudService (home, auto, business) or the OmbudService for Life & Health Insurance.

It is most valuable if a serious diagnosis would strain your finances — self-employed people, single-income households and anyone without strong group benefits. Provincial health plans cover treatment, but not lost income, travel, home care or drugs outside hospital.

Benefits from a personally owned critical illness policy are generally received tax-free in Canada. Corporate or employer-paid arrangements can differ — confirm with an advisor.