Whether you're a working professional planning for the future or a retiree excited to explore the world, we help you stay protected—financially, medically, and emotionally—no matter where life takes you.
Understanding Disability Insurance in Canada
What Is Disability Insurance?
Disability insurance provides a monthly income replacement if you are unable to work due to a serious illness or injury. It is designed to protect your most important asset—your ability to earn an income.
While many Canadians assume workers' compensation or government benefits will suffice, these programs often have limited coverage or eligibility restrictions. A private disability insurance plan fills the gap and ensures you can pay your bills, mortgage, or support your family during recovery.
Why Is Disability Insurance Important?
- 1 in 3 Canadians will experience a disability lasting longer than 90 days before age 65
- Many workplace group plans only cover partial income and for a limited time
- Self-employed individuals and freelancers have no default income protection
- Critical illnesses (heart attacks, cancer, stroke) are among the top causes of disability in Canada
Whether you're single, married, or have dependents, the financial impact of a disability can be life-changing. With proper coverage through Safe Insure Inc., you can maintain your lifestyle and focus on healing—not finances.
Types of Disability Insurance Available in Canada
At Safe Insure Inc., we help you choose from a range of disability insurance options tailored to your profession, income, and health status:
- Short-Term Disability Insurance
- Covers temporary illnesses or injuries
- Benefits begin within 7–14 days
- Usually lasts up to 6 months
- Covers temporary illnesses or injuries
- Long-Term Disability Insurance
- For disabilities lasting 6 months or more
- May pay 60–85% of your gross income
- Benefits can continue up to age 65
- For disabilities lasting 6 months or more
- Own-Occupation Coverage
- Especially useful for professionals like doctors or tradespeople
- Pays benefits even if you can work in another field but not your original job
- Especially useful for professionals like doctors or tradespeople
- Non-Cancellable Policies
- Premiums are locked in and benefits can't be changed by the insurer
- Premiums are locked in and benefits can't be changed by the insurer
Our advisors will compare quotes and explain the fine print so you can choose a plan that gives you security and peace of mind.
Who Should Consider Disability Insurance?
- Employees without robust group benefits
- Self-employed or freelance workers
- Small business owners
- Contractors and tradespeople
- Anyone whose income supports a household or family
If you're earning an income today, protecting it with disability insurance should be a priority.
Senior Travel Insurance – Travel with Confidence
As life slows down, many Canadians look forward to retirement and travel. Whether it's visiting grandchildren abroad, taking that long-awaited cruise, or spending winter months in warmer climates, travel is a well-earned joy. But with age comes a higher risk of medical emergencies while abroad—and that’s why senior travel insurance is crucial.
At Safe Insure Inc., we offer tailored travel coverage for seniors, including those with pre-existing conditions, making sure you can travel freely and safely.
Why Do Seniors Need Special Travel Insurance?
- Government Health Plans Don’t Cover Out-of-Province Costs
If you're a BC resident traveling outside Canada (or even out of province), MSP covers very little—if any—of your emergency medical expenses.
- Higher Medical Risks with Age
Seniors are more likely to experience health issues, making insurance more critical and sometimes more expensive—unless you choose the right provider.
- Pre-Existing Condition Coverage
Safe Insure Inc. works with insurers that offer competitive plans even for those with stable chronic conditions like diabetes, hypertension, or prior surgeries.
- Trip Cancellation/Interruption Options
Seniors may need to change plans suddenly due to health reasons. Our plans offer robust cancellation coverage to protect your travel investment.
What’s Included in Senior Travel Insurance?
Depending on the policy, senior travel insurance can include:
- Emergency medical coverage (hospital, physician, tests)
- Prescription medication
- Air ambulance or medical evacuation
- Trip cancellation/interruption
- Baggage loss/delay
- Coverage for stable pre-existing conditions
- 24/7 travel assistance hotline
Travel Insurance for Snowbirds
Many BC residents spend months in Arizona, Florida, or Mexico each winter. We offer snowbird travel insurance plans with up to 183 days of coverage per trip, multi-trip annual plans, and options to top up government benefits.
How Safe Insure Inc. Helps You Save
We specialize in working with top Canadian travel and health insurers like Allianz, Manulife, Blue Cross, and GMS to bring you:
- Affordable premiums for all ages
- Bundled discounts (especially for couples or multi-trip travelers)
- No medical exam options for certain age groups
- Coverage tailored for travel to the U.S., Europe, Asia, or interprovincial trips
Our advisors also help you understand exclusions, claim procedures, and how to ensure your pre-existing conditions are covered properly.
Real-Life Example: How We Helped Our Client
Mr. Singh, a 70-year-old retired teacher from Surrey, BC, planned a 2-month visit to his daughter in Toronto. He had mild diabetes and hypertension but wasn’t sure if he could qualify for travel insurance.
At Safe Insure Inc., we matched him with a policy that covered pre-existing conditions at a very reasonable rate. During his trip, he experienced a minor medical issue and had to visit a clinic. Thanks to his policy, his medical bill (over $1,100) was fully covered, and the process was stress-free.
Why Choose Safe Insure Inc.?
✅ Local Experts in Surrey
✅ Licensed Across Canada
✅ Wide Access to Top Insurers
✅ Clear, Honest, No-Pressure Advice
✅ Tailored Solutions for Every Budget and Health Status
We believe every Canadian deserves access to protection—whether you're working full-time or enjoying retirement.
How to Get Started
For Disability Insurance in Canada
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For Senior Travel Insurance
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Final Thoughts – Insurance that Adapts to Your Life
Life is unpredictable. Whether you’re preparing for the unexpected loss of income due to disability or planning your dream retirement trip, having proper insurance coverage brings peace of mind.
At Safe Insure Inc., we help Canadians—from working professionals to retirees—protect their income, health, and travel plans with clarity and confidence.
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Safe Insure Inc. – Protection That Moves With You.