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About paramedicals

Paramedical Exam

Some insurance companies require that you have a paramedical before they can decide if you're eligible for coverage. Paramedicals are common, and free. All information gathered is strictly confidential.

What's the process?
The insurance company will set up a time that's convenient for you. A registered nurse will meet with you at your home or workplace to collect information that includes your height, weight and blood pressure. A sample of your blood, urine or saliva may also be taken for analysis. The results are then sent to the insurance company to evaluate your eligibility for coverage.

How much time will it take?
After you've applied for a policy, it'll take about 1-3 days to be contacted for the paramedical. Once the insurance company receives your information, it will be reviewed, and if approved you should receive a policy document in about two weeks. In 20-25% of cases, insurance companies need more information from the applicant's family doctor. This can take up to 90 days.


Your insurance rates will vary depending on your age.

Compare quotes?

  1. Answer a few questions in each step of the comparison service.
  2. Review your quotes and pick the one that interests you most.
  3. Confirm your rate with a licensed representative.
Licensed insurance advice
Remember, the quotes you receive are based on the information you've provided, so if you're in doubt about any of the questions or your answers, bring this up when you speak with the licensed representative. They'll be able to answer all your questions and update your quote so it accurately reflects your insurance needs.

Getting help along the way
If you have any questions as you complete the steps, give us a call at 1-888-854-2503 or submit your question and we'll get back to you. We're here to help. Or if you prefer, online hints are available to help you along the way.

Estimated annual premium

This is an estimate of how much your insurance premium will be - based on the information you've entered into our comparison service. It does not include provincial tax or service charges if they apply.

Find out more about Kanetix?

Kanetix is a free online quote comparison service. There are no fees, surcharges, or hidden costs for shopping at Kanetix. We work closely with approximately 30 of Canada's most recognized insurance companies to offer you quotes that are competitive in today's insurance market.

Get help?

Have a question? We'll help you find your answers.

By email or phone

We're open Monday to Thursday 7:30 am to 8:00 pm (ET) and Friday, 7:30 am to 6:00 pm.


  • Check out the online FAQs and InfoCentre - both have tips and articles to help you navigate the world of insurance.
  • As well, if you click on the Help button next to each question in the comparison service you'll find information to help you with your answer.
Licensed insurance advice
You'll also have an opportunity to speak with a licensed representative when you're confirming your quote. So if you're in doubt about any of the questions or your answers, make sure you discuss your doubts/questions with them. They'll be available to answer all your questions and make adjustments to your quote, if necessary.

Have you ever smoked or used tobacco?

Insurance companies will give lower insurance rates to people who don't smoke or use tobacco. If you smoked in the past, most insurance companies will consider you a "non-smoker" if you have not smoked for at least 12-24 months before applying for coverage.

Most insurance companies view the use of other forms of tobacco (cigars, pipes and chewing tobacco) as the same as cigarette smoking. However, some companies see tobacco chewers, pipe and cigar smokers as non-smokers.

If you are not sure you would be considered a non-smoker, please check with an insurance broker or call us at 1-888-854-2503 and we'll connect you with an insurance broker featured on our site.

Interested in other life products?

There are many other life insurance products on the market, including Permanent Life and Disability insurance.

If you are interested in a life insurance product not seen on the Kanetix site, send us a description of the coverage you have in mind and your phone number. We'll have a licensed life insurance advisor give you a call.

Or, if you prefer, we can connect you to one of the licensed life insurance advisors featured on the site. Simply call us at 1-888-854-2503 and we'll be happy to introduce you.

Kanetix Newsletters and Updates

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Kanetix's travel insurance quote comparison service

We value your privacy. Kanetix will not trade or sell your name to third parties except when required to fulfill services you request. For details, see our privacy policy.

Made up your mind?

The companies listed with us allow you to apply for insurance online.

If you're interested in purchasing an insurance policy offline, please call toll-free 1-888-854-2503.

Term Period

Term Period

A "term" is the period of time your insurance policy covers you. It insures you for a set amount of coverage over a fixed time period (e.g. you can purchase a 10-year term policy for $150,000). Your premiums for the policy stay the same for the duration of the term.

What's covered?

Conditions Covered

Each insurance company's contract is a little bit different. They all have a common group of illnesses but the definition of a critical illness varies. It's important to carefully read your contract.

Click on the number of conditions covered, in the column, to find out which conditions are covered by that insurance company. The most common covered conditions include:
  • Life threatening cancer
  • Heart attack
  • Stroke
  • Surgical coronary bypass
  • Kidney failure
  • Major organ transplant
  • Blindness
  • Deafness
  • Loss of speech
  • Paralysis
  • ALS
  • Multiple Sclerosis
  • Coma
  • Alzheimer's disease
  • Parkinson's disease
  • Occupational HIV
  • Severe burns
Many companies offer additional illnesses under their contracts. It is important to carefully read your contract so you understand what is a covered condition.

Where do you live?

Automobile insurance rates are generally higher in metropolitan areas. That's because there are a higher number of accidents, theft and vandalism claims than in rural areas.