Student Accident Insurance

If the insured person passes away as a result of an accident covered by the policy, their designated beneficiaries will receive a financial benefit. 

Amounts vary according to the option chosen: 

• Up to $25,000 with option 1   

• Up to $50,000 with option 2

This protection covers the insured person if, as a result of an accident, they suffer one or more of the following consequences: loss of use of limbs, loss of sight, loss of hearing, etc. 

Amount of coverage varies according to the option chosen: 

• Up to $25,000 with option 1   

• Up to $50,000 with option 2

This coverage is designed to help the insured meet the high costs associated with quadriplegia, paraplegia or hemiplegia following a transport accident. The amount offered could, for instance, help with home modifications or the purchase of specialized equipment.  

Amount of coverage varies according to the option chosen: 

• Up to $25,000 with option 1  

• Up to $100,000 with option 2

This protection covers fractures resulting from an accident: fractures of the skull, spine, jaw, pelvis, hip, patella, shoulder blade, forearm, etc. 

Amount of coverage varies according to the option chosen: 

• Up to $500 with option 1   

• Up to $1000 with option 2

This protection covers complete dislocation (luxation) resulting from an accident: dislocation of the hip, knee, shoulder, wrist, ankle, etc. 

Amount of coverage varies according to the option chosen: 

• Up to $210 with option 1    

• Up to $420 with option 2

This coverage provides reimbursement for the treatment or replacement, in Canada, of a healthy, natural tooth that has been broken as a result of an accident. It also covers the repair or replacement of dental prostheses. 

Maximum amount of coverage is $500.

In the event of an accident, this coverage reimburses these paramedical expenses in Canada: 

• Private nursing care, ambulance transportation, “semi-private” room (up to $5000) 

• Occupational therapy, chiropractic and physiotherapy (up to $500) 

• Purchase or rental of splints, hearing aids, casts, crutches, wheelchairs, etc.

This coverage comes into effect if the insured person is temporarily or permanently unable to pursue their studies in the usual way due to an accident covered by the insurance policy. The fees for additional tutoring or specialized educational services are reimbursed. 

Amount of coverage varies according to the option chosen: 

• Up to $500 with option 1  

• Up to $750 with option 2

This coverage comes into effect if the insured person is unable to complete a school term. That is, if they are unable to attend classes or complete school work and exams due to the severity of injuries caused by an accident. School fees may then be reimbursed.   

Amount of coverage varies according to the option chosen: 

• Up to $500 with option 1 

• Up to $750 with option 2

This coverage reimburses up to $15,000 for services such as: 

• Vocational assessments 

• Vocational training 

• Employment reintegration programs  

• Vocational retraining aids  

The purpose is to help the insured person, following an accident, to return to a professional activity that is adapted to their new abilities, or to retrain in a field that is suitable for their state of health, in order to promote their financial independence and well-being.

The insurer will reimburse the person who incurred the costs related to cremation, burial or funeral services. 

Maximum amount of coverage is $5000.

The insurer will reimburse the cost of preparing the body for burial or cremation if the insured person dies in an accident. It will also reimburse the cost of repatriating the body to its city of residence.

Maximum amount of coverage is $15,000.

The insurance provides reimbursement for bereavement counselling services, up to a maximum of $1000.

The insurance reimburses the cost of psychological therapy prescribed by a physician following an accident causing permanent injury.  

This coverage is only available with option 2. Maximum amount of coverage is $5000.

This coverage reimburses transportation costs to bring a close family member to the hospitalized insured person in the event of an accident.  

This coverage is only available with option 2. Maximum amount of coverage is $10,000.

This coverage is exclusive to CAA-Quebec members.   

The insured person is provided with up to $15,000 to convert their home and vehicle following a permanent injury that results in the use of a wheelchair.

This coverage is exclusive to CAA-Quebec members. It offers these benefits in the event of hospitalization following an accident: 

• $2500 per month for a period of hospitalization exceeding 30 nights, up to a maximum of 12 months of hospitalization; or 

• $35 per day for a period of hospitalization longer than 5 nights but shorter than 30 nights.