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Accident insurance

Insurance that helps cover costs related to an accident.

Call us to get covered in minutes.

1-877-888-4873 Phone number of Desjardins Insurance. This link opens your phone app.

Already have accident insurance?

What is personal accident insurance?

Personal accident insurance, such as our Accirance Select, helps cover medical and other expenses in the event of an accidental injury or death.

It's worth considering if you don't have group insurance or want to supplement your group insurance.

Is accident insurance worth it?

Accident insurance provides a tax-free benefit if you suffer a major or minor injury in an accident, or die in an accident. 1 With this coverage in place, you have extra financial protection.

Covers the conse­quences of an acci­dent

Fracture, dismemberment, loss of use, coma or death.

Reim­burses costs associated with an accident

Medical, paramedical, dental, hospitalization, transportation and accommodation costs.

Pays for educa­tional costs after an acci­dent

Transportation, tuition, re-orientation and private tutoring costs.


Affordable premiums

Coverage that's easy to fit in your budget.

No medical exam

And no questions about your health.

Quick and easy to buy

Your coverage starts the day after you sign up.

Advantages of accident insurance

Generous benefits

Receive up to $500,000, depending on the nature of your injuries. 2

Family discount

Insure your whole family under one policy and get a discount.

Free coverage for newborns

From when they're 15 days old until your policy's next annual renewal.

The special treatment I needed cost so much that I maxed out my group insurance benefits in no time at all. Without Accirance Select, I would have had to use my savings to pay for all my accident-related expenses.


Accirance Select policyholder

Assistance services

If you're looking to get help with daily activities or support in difficult times, we're here for you.

Psychological assistance

Talk to a psychological health specialist, in person or on the phone, for help in hard times.

Estate settlement assistance

Get legal advice from a lawyer who is a member of the bar.

Convalescence assistance – case management

Find out about resources to help with recovery from an illness, accident or surgery.

The convalescence assistance service really came in handy too! I was able to get help finding expert services close by and arranging for a nurse, meal prep and home care.


Accirance Select policyholder

Cancellation policy

You can cancel your policy within the first 30 days and get a premium refund. 3 4


What's the difference between personal accident insurance and life insurance?

Personal accident insurance pays a benefit in the event of accidental death while life insurance pays out in the event of accidental or natural death.

Accident insurance also covers accidental injury while life insurance only covers death.

Why do I need accident insurance if I'm already covered by provincial health insurance?

Accident insurance complements provincial health insurance. It provides extra coverage to help with costs related to an accident.

Is accident insurance a good idea for students?

Yes. If a student who is covered by this insurance has an accident, they can use the benefit to:

  • Cover educational costs (private tutoring, tuition, transportation and re-orientation)
  • Make up for the loss of employment if they're disabled during the summer break

Get accident insurance

By phone

Explore our other insurance options

Critical illness insurance

Insurance that protects you financially if you're diagnosed with an illness that's covered by your policy.
Learn more about Critical illness insurance

Disability insurance

Insurance that protects your income if you're unable to work due to a disability.
Learn more about Disability insurance

Useful information

Regular Accirance and Superior Accirance policyholders can access their insurance documents on AccèsD.

Life insurance and living benefits products are manufactured by Desjardins Financial Security Life Assurance Company.
This insurance product is available across Canada except in Yukon, the Northwest Territories, Prince Edward Island and Nunavut. For all terms and conditions, see the insurance documents. An accident is a sudden or unforeseen event that is exclusively the result of an external cause and independent of any illness or other cause. The injury or death resulting from the accident must be confirmed by a doctor. Benefits for accidental injury or death vary depending on your age, the date of the accident and the maximum amount payable. For accidental death in a common carrier, the amount can be up to $1 million. After the 30-day period, you can cancel your policy at any time. But there is no premium refund. You can get a premium refund if no claim has been made.