Personal Accident & Injury Insurance

Personal Accident & Injury Insurance: Financial Protection When Life Takes an Unexpected Turn

Accidents can happen at any time—and the financial impact can be overwhelming. Personal Accident & Injury Insurance provides a cash benefit if you suffer an accidental injury, disability, or accidental death. This coverage is designed to help you and your family stay financially secure during life’s hardest moments.

At Ted Daigle Insurance & Financial Services, we help Canadians choose personalized protection that fits their lifestyle and budget.

What Is Personal Accident & Injury Insurance?

Personal Accident & Injury Insurance pays a lump-sum benefit if you experience a covered accidental injury. Depending on the plan, it can also include benefits for disability, hospitalization, loss of income, or accidental death.

This coverage offers fast financial relief—without medical exams in many cases—making it easily accessible for individuals and families.

What’s Covered?

Coverage varies by plan, but commonly includes benefits for:

Accidental injuries (fractures, burns, concussions, etc.)
Accidental death
Loss of limbs or mobility
Hospitalization due to accident
Emergency medical expenses
Short-term disability from accident
Income protection during recovery

Why Personal Accident & Injury Insurance Matters

Unexpected injuries can create sudden financial strain—from medical costs to lost wages. This coverage helps by providing immediate financial support so you can focus on recovery.

Key Benefits

Tax-free lump-sum payment
No medical exam required for many plans
Coverage available for individuals or families
Affordable monthly premiums
Pays in addition to other insurance (like health or disability)
Flexible benefit amounts based on your needs

Who Should Consider This Coverage?

Personal Accident & Injury Insurance is ideal for:

Individuals without disability insurance
People with active or risky jobs
Families looking for extra protection
Self-employed individuals who rely on their ability to work
Anyone wanting added peace of mind

How the Benefit Helps

Your payout can be used for anything you need, including:

Household bills
Lost income during recovery
Childcare expenses
Home modifications after injury
Transportation or medical travel
Medical equipment or therapy
Emergency savings

There are no restrictions—you decide how the funds are used.

Simple, Affordable Protection for Life’s What-Ifs

Accidents are unpredictable, but your financial stability doesn’t have to be.

Ted Daigle Insurance & Financial Services will help you choose the right plan to keep you and your family protected.

📞 Contact Ted Daigle IFS today

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