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Credit Balance Insurance - Individuals

We've got you covered!

  • Insurance that covers the balance of current transactions
  • Premium is withdrawn from your Visa Desjardins account
  • No questions about your medical or financial situations when you enrol
  • Cost is based on your account balance
  • Free assistance services


With Credit Balance Insurance - Individuals, you get:

Persons eligible for Credit Balance Insurance - Individuals include:

  • All Visa Desjardins cardholders aged 18 to 64
  • Spouses (automatically insured at no extra cost3, whether or not they are joint cardholders)
  • No questions about your health or your spouse's

3. Subject to the eligibility conditions.

Coverage in the event of death, dismemberment, disability, involuntary loss of employment or critical illness1.

Credit Balance Insurance - Individuals includes the following 4 types of coverage:

  • Death or dismemberment
  • Disability
  • Involuntary loss of employment
  • Critical illness

Death or dismemberment coverage and critical illness coverage

In the event you or your spouse die, are dismembered or are diagnosed with a critical illness for the first time, this insurance can help you pay off the balance of all of the purchases you've made with your Visa Desjardins card, up to a maximum of $25,000.

In the event of accidental death, the amount paid is automatically doubled4.

Disability coverage and involuntary loss of employment coverage

In the event you or your spouse become disabled or involuntarily lose your job, Credit Balance Insurance - Individuals pays you a monthly benefit equal to 10% of the balance of the current transactions listed on your statement. It also pays off up to $750 on your Accord D financing.

4. Subject to certain conditions.

Credit Balance Insurance - Individuals covers Accord D financing obtained at a caisse or in-store, if it is indicated on your account statement.

Accord D in-branch financing

  • Equal instalment financing
  • Death coverage included in the financing at no extra cost
  • Credit Balance Insurance - Individuals supplements this coverage with accidental death or dismemberment coverage, critical illness coverage and involuntary loss of employment coverage
  • The insurance for this type of financing only covers the primary account holder and does not apply to spouses or co-account holders

Accord D in-store financing

  • Equal instalment financing or deferred payment financing
  • Credit Balance Insurance - Individuals provides members and their spouses with death or dismemberment coverage, disability coverage, critical illness coverage and involuntary loss of employment coverage

Each month, an insurance premium equal to $0.75 per $100 (plus provincial taxes)5 of the insured balance, including Accord D payments, is added to the monthly balance of your Desjardins Visa account.

See Accord D financing for more information.

Premium refund

Insureds receiving disability or loss of employment benefits are entitled to a refund of a portion of their premium.

5. Desjardins Financial Security reserves the right to change the rates appearing on this web page without notice.

1. Critical illness means cancer, heart attack, stroke or a terminal illness diagnosed by a physician.

2. Certain specific conditions apply. See Notices.


To learn more about Credit Balance Insurance - Individuals, check out the Distribution Guide (PDF, 722 KB) - This link will open in a new window.. It contains everything you need to know about the product, including exclusions, limitations and coverage reductions.

Exclusions, limitations and coverage reductions

Some exclusions, limitations and coverage reductions apply. For a complete list, see the Credit Balance Insurance - Individuals Distribution Guide (PDF, 722 KB) - This link will open in a new window..

Legal notice

The information 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 the policy and insurance application will be used to settle legal disputes. The insurance policy contains all the terms and conditions of this coverage.