Transport Accident Insurance Plus
Starting at only $75 per year, this insurance provides individual or family protection in the event of a transport accident. Even for outdoor activities such as cycling, snowmobiling, and motorcycling! It covers death and permanent injury following an accident anywhere in the world.
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Basic coverage
If the insured person passes away as a result of an accident covered by the policy, their designated beneficiaries will receive a financial benefit.
The amount of coverage varies according to the type of transportation.
Airliner on scheduled flight*: up to $500,000
Public conveyance*: up to $200,000
Passenger vehicle, pleasure craft, off-road vehicle, bicycle, and pedestrian**: up to $200,000
* Benefits payable for an accident on board a scheduled airline flight or public transportation are reduced to 75% of the amount of coverage starting at age 85. This reduction in coverage does not result in a lower premium.
** Benefits payable for an accident on board a passenger vehicle, pleasure craft, off-road vehicle, bicycle or as a pedestrian are reduced to 25% of the amount of coverage starting at age 70, and to 15% starting at age 85. This reduction in coverage does not result in a lower premium.
This protection covers the insured person if, as the result of an accident, they suffer one or more of the following consequences: dismemberment, loss of use of limbs, loss of sight, or loss of hearing.
The amount of coverage varies according to the type of transportation.
Airliner on scheduled flight*: up to $500,000
Public conveyance*: up to $200,000
Passenger vehicle, pleasure craft, off-road vehicle, bicycle, and pedestrian**: up to $200,000
* Benefits payable for an accident on board a scheduled airline flight or a public transportation are reduced to 75% of the coverage amount at age 85. This reduction in coverage does not result in a lower premium.
** Benefits payable for an accident in or on a private passenger vehicle, an off-road vehicle, a pleasure craft, a bicycle or as a pedestrian are reduced to 25% of the coverage amount at age 70 and 15% at age 85. This reduction in coverage does not result in a lower premium.
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.
The amount of coverage varies according to the type of transportation.
Airliner on scheduled flight*: up to $1,000,000
Public conveyance*: up to $400,000
Passenger vehicle, pleasure craft, off-road vehicle, bicycle, and pedestrian**: up to $400,000
* Benefits payable for an accident on board a scheduled airline flight or a public transportation are reduced to 75% of the coverage amount at age 85. This reduction in coverage does not result in a lower premium.
** Benefits payable for an accident in or on a private passenger vehicle, an off-road vehicle, a pleasure craft, a bicycle or as a pedestrian are reduced to 25% of the coverage amount at age 70 and 15% at age 85. This reduction in coverage does not result in a lower premium.
This insurance covers costs incurred for the rehabilitation of the insured person following a transport accident. These include physiotherapy, specialized medical consultations, and the purchase or rental of orthopedic appliances.
Maximum amount of coverage is $25,000 per accident.
This coverage is designed to help an insured person afford an artificial limb, hearing aid, eye prosthesis or any other prosthesis prescribed by a physician following an accident.
Maximum amount of coverage is $2500.
This coverage reimburses up to $10,000 for transportation costs to bring a close family member to the hospitalized insured person in the event of an accident.
Expenses incurred by this person with a licensed public conveyance by the most direct route are covered, or those incurred if the trip is made in a passenger vehicle.
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.
Additional coverage and options
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 benefit is exclusive to CAA-Quebec members.
Members are entitled to an additional 10% compensation if the seatbelt was fastened or the airbag deployed at the time of the insured person’s death in a car accident.
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Answers to your questions
The first step is to contact your advisor. If you are not satisfied with the information they provide, you can write to us. For more details, including contact information, please refer to our Complaint Handling and Dispute Resolution Policy.
Everyone has access to the insurance products we offer on our website. You are warmly welcomed to request a quote for any of them that are of interest to you.
Naturally, we provide special benefits for CAA-Quebec members, such as discounts on various insurance premiums as well as preferential rates. Becoming a member to take advantage of these benefits could prove worthwhile for you. Feel free to discuss it with one of our advisors.
Accident insurance is designed to help you and your loved ones recover from a traumatic accident without worrying about the financial aftermath. Thus, in the event of death, the benefits paid may enable the family to extend their bereavement leave, pay off accumulated debts or a mortgage balance, for example.
In the event of injury or disability, this insurance can pay for rehabilitation, prostheses, home alteration, hospitalization expenses, etc.
Coverage may vary depending on the insurance product purchased.
Transport Accident Insurance Plus covers the following means of transportation.
Public conveyance
Bus
Cruise ship
Taxi
Train
Ferry
Passenger and recreational vehicles
Pleasure aircraft
Pleasure watercraft
- Moped
Motorcycle
Jet ski
Snowmobile
- Road scooter
Recreational vehicle
Bicycle
Car
All-terrain vehicle (ATV)
Scheduled airline flights are also covered.
Coverage also applies to people on foot who are struck by a vehicle.
Accident Insurance can provide for the necessary conversion of a vehicle or home following a permanent injury requiring the use of a wheelchair. This valuable benefit is exclusive to CAA-Quebec members.
Of course! In the event of death or loss of use of a member, benefits will be paid to you or your family, even if you have coverage with other insurers, such as the Société de l’assurance automobile du Québec (SAAQ) in the case of a car accident.
In addition, you may be eligible for reimbursement of certain expenses not covered (or only partially covered) by your group insurance.
Like all insurance policies, Accident Insurance distributed by CAA-Quebec includes exclusions, particularly for means of transportation deemed more at risk. Please refer to the policies to learn more about these exclusions.
Yes, we offer several protection options. They are tailored to the different realities of each insured person. For example, you can opt for individual, family (with or without dependent children), or even single-parent protection for certain products.
If you choose automatic renewal, your insurance will be renewed every year. This guarantees you uninterrupted coverage, so you’ll never need to worry about forgetting to pay your annual premium or your payment being delayed in the mail.
Yes, many of the Accident Insurance products we distribute include exclusive free coverages or protections for CAA-Quebec members.
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Day-to-Day Accident Insurance
Starting at $88 per year, this insurance covers you in the event of death or injury resulting from an accident. Whether you’re travelling, participating in a recreational activity or even at home. It’s available to people aged 18 to 69, and can be renewed up to age 79.
Student Accident Insurance
This insurance is reserved for full-time or part-time secondary or post-secondary students under age 70.¹ Starting at only $48, it offers year-round coverage in the event of accidental death or injury, whether in Quebec or elsewhere in the world.²
CAA-Québec Assurances refers to Cabinet en assurance de personnes CAA-Québec, firm in insurance of persons. The accident insurance products offered to CAA-Quebec members and to the clients of its group of corporations in Quebec under the name Assurance accident CAA-Québec are underwritten by AIG Insurance Company of Canada and distributed by Cabinet en assurance de personnes CAA-Québec. They are offered by CAA-Québec Assurances in Quebec only.