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Accirance Select accident insurance

An ounce of prevention is worth a pound of cure!

  • Coverage against the financial consequences of an accident
  • Reduced premium for each additional insured
  • No medical exam required on enrolment
  • Lump-sum amount provided for certain types of care and treatment
  • Coverage for students included

Features

Important: Regular Accirance and Superior Accirance have been replaced by Accirance Select. However, policies signed before March 26, 2012 remain in force. Learn more about Regular Accirance and Superior Accirance.

With Accirance Select, you get:

  • Enrolment that's quick, easy and accessible
  • 24/7 coverage anywhere in the world
  • Coverage for the most common serious injuries
  • Automatic insurance for children 15 days and older
  • Amounts in line with today's realities
  • Lump-sum amount for certain types of care and treatment (paid independently of group insurance)

Free access to certain Guide, Protect and Support Program telephone assistance services:

Age

You can apply for Accirance Select at any age. However, the policyholder must be 18 or older.

Health questions

No health questions or medical exam required.

Some exclusions, restrictions and limitations apply to this product. See Notices.

Premium is calculated based on the:

  • age group
  • sex

Premium discounts are given to each additional insured under the same policy.

You get 6 months of Accirance Select coverage at no cost:

  • if you're a new holder of an eligible Desjardins credit card
  • when you open a Registered Education Savings Plan (RESP) at your caisse

Children born while the Accirance Select policy is in force are automatically insured at no extra cost as soon as they're 15 days old. No premium is required for them until the next policy renewal date.

If you want to know what your premium would be, contact us at 1-877-647-5416.

Guide

To learn more about Accirance Select, check out the Distribution Guide (Quebec only) (PDF, 585 KB) - This link will open in a new window. and the General Conditions (all Canadian provinces) (PDF, 733 KB) - This link will open in a new window.. They contain everything you need to know about the product, including conditions, terms, exclusions and restrictions.

Policyholders who enrolled in Accirance coverage prior to March 26, 2012 can refer to Accirance for more information.

Exclusions and restrictions

Some exclusions and restrictions apply. For a complete list, see the Accirance Select Distribution Guide (Quebec only) (PDF, 585 KB) - This link will open in a new window. and the General Conditions (all Canadian provinces) (PDF, 733 KB) - This link will open in a new window. you were given by Desjardins Financial Security.

Legal notice

The information appearing on this site summarizes the terms and conditions of this insurance and has no contractual value. It's intended to be clear and simple, so you can easily understand the product.

Only your policy's General Conditions (all Canadian provinces) (PDF, 733 KB) - This link will open in a new window. and Distribution Guide (Quebec only) (PDF, 585 KB) - This link will open in a new window. will be used to settle legal disputes. The General Conditions (all Canadian provinces) (PDF, 733 KB) - This link will open in a new window. contain all the terms and conditions of this coverage. Some exclusions and restrictions apply.

Testimonials

Most accidents leave you with nothing more than a scratch or a bandage around your finger. But some accidents are more serious. And it's these types of accidents that can have a huge impact on you physically, emotionally and financially. Here are Charlotte's, Jane's and Philip's stories.

Charlotte's accident

When taking time off is a luxury you just can't afford.

"When I picked up my daughter Charlotte after she fell, I could tell from the way she was crying that something was wrong. The ER doctor told us she had broken her arm and needed a cast. And since she was only 3, they decided to keep her in the hospital overnight for observation.

I had to take a week off work without pay so I could stay home to take care of her. I didn't have group insurance, so I claimed the $1,500 benefit for the fracture and other expenses under the Accirance Select policy. This way, I could afford a nanny so I could go back to work.

You wouldn't believe how much an accident can cost! I'm so glad I took out this coverage. You pay a little… and get a lot! I couldn't have gotten through this experience without Accirance Select! This made me realize it was time to take out coverage for myself too."

Jane's accident

RRSPs are supposed to be for retirement, not for retrofitting your home.

"Money is the last thing on your mind when your doctor tells you that you'll never walk again after an accident. And yet, my accident had a much bigger financial impact than I could have ever imagined.

My disability income benefits couldn't keep up with all the bills that kept coming in. Physio cost way more than what was covered under my group insurance. I also had transportation and homecare expenses that lasted well after I was released from the hospital. I had to get a wheelchair and pay a lot of money to retrofit my home. I also had to buy a specially equipped vehicle.

Without the $500,000 I got from Accirance Select, not only would I have had to wipe out all my RRSP savings, but I would have even had to go into debt!

The Convalescence Assistance service came in really handy too! I was able to get help finding expert services close by and arranging for a nurse, meal prep and homecare."

Philip's accident

When it seems to take forever to get back on your feet.

"I was up on my roof doing some work when I slipped and fell off. I broke my leg and forearm. I never imagined that an accident could have such a financial impact!

The special treatment I needed cost so much that I maxed out my group insurance benefits in no time at all. I had to rent crutches, take taxis to get around and get homecare. I wasn't making any money while I was disabled, but the bills kept coming in.

Accirance Select paid me a benefit for my injuries and covered a lot of my expenses. Without this money, I would have had to use my savings to pay for all my accident-related expenses.

For several weeks, my wife also had to hold down the fort at home all by herself while working full time. It was hard on everybody and frustrating for me because there was nothing I could do.

We took advantage of the free Psychological Assistance service that comes with Accirance Select. We were able to speak confidentially over the phone with an assistance coordinator who came up with some very helpful solutions."

Inspired by actual cases.

Some exclusions, restrictions and limitations apply to this product. See Notices.

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