Personal accident insurance
What is personal accident insurance?
Personal accident insurance helps you and your loved ones maintain your standard of living should a serious or fatal accident happen to you, your spouse or your dependents.
As an AMA member, you automatically receive personal accident insurance coverage as a member-only benefit. This provides you with up to $10,000 of basic coverage.
Why do I need personal accident insurance?
No matter how careful you are accidents happen. Whether it's a fall from a ladder or a motor vehicle collision on the way to work, an unexpected injury or death could be devastating for you and your family - emotionally and financially.
AMA Insurance provides a cash payment to you or your beneficiary in the event of a disability or death caused from an accident. This can be used to make mortgage or rent payments, pay utility bills or for other ongoing financial responsibilities.
What personal injury protection coverage is available?
AMA offers two personal accident insurance upgrade options:
On the Move
This travel-related insurance covers you when you're on the move, 24 hours a day, seven days a week - whether you 're driving, a passenger or a pedestrian.
On the Move benefits are payable in an accident resulting from:
Private passenger vehicle/RV
- Aircraft
- Snowmobile
- Taxi/bus/train
- Boat
- Farm vehicle
Coverage A: Personal transportation or as a pedestrian
This part of policy covers you while you are driving, riding as a passenger, boarding or departing from any private passenger automobile, snowmobile, farm vehicle, recreational vehicle or bicycle.
Coverage B: On a scheduled airline flight or common carrier
This part of the policy covers you while you are travelling as a passenger on, or boarding or departing from, a scheduled airline flight or common carrier ( taxi, bus, train, but not while an operator or member of the crew.
All the time
This plan provides you with a broader All the Time protection. If you're a farmer or self-employed, work in a high-risk occupation, or just lead an active life, this may be the coverage for you.
Coverage A: Comprehensive
This part of the policy covers injuries resulting from any event or activity not specifically excluded under the exclusions of this policy. *
Coverage B: On a scheduled flight or common carrier
This part of the policy covers you while you are travelling as a passenger on, or boarding or departing from, a scheduled airline flight or common carrier (taxi, bus, train), but not while an operator or member of the crew.
How much does personal accident insurance cost?
Personal accident insurance is an affordable way to protect your family.
- On the Move
Level 1 - $39 annually
Level 2 - $59 annually
- All the Time
Level 1 - $80 annually
Level 2 - $120 annually
| On the Move | All the Time | |||||||
| Level 1 | Level 2 | Level 1 | Level 2 | |||||
| Loss of life or injuries | Coverage A | Coverage B | Coverage A | Coverage B | Coverage A | Coverage B | Coverage A | Coverage B |
| Loss of life | $50,000 | $100,000 | $100,000 | $200,000 | $50,000 | $100,000 | $100,000 | $200,000 |
| Loss of use of both hands, both feet or both eyes | $50,000 | $100,000 | $100,000 | $200,000 | $50,000 | $100,000 | $100,000 | $200,000 |
| Loss of use of one hand and one foot | $50,000 | $100,000 | $100,000 | $200,000 | $50,000 | $100,000 | $100,000 | $200,000 |
| Loss of use of one hand and one eye or one foot and one eye | $50,000 | $100,000 | $100,000 | $200,000 | $50,000 | $100,000 | $100,000 | $200,000 |
| Loss of speech and hearing | $50,000 | $100,000 | $100,000 | $200,000 | $50,000 | $100,000 | $100,000 | $200,000 |
| Loss of use of one arm or one leg | $37,500 | $75,000 | $75,000 | $150,000 | $37,500 | $75,000 | $75,000 | $150,000 |
| Loss of use of one hand or one foot or one eye | $33,000 | $66,600 | $66,600 | $133,200 | $33,300 | $66,600 | $66,600 | $133,200 |
| Loss of speech or hearing | $25,000 | $50,000 | $50,000 | $100,000 | $25,000 | $50,000 | $50,000 | $100,000 |
This coverage is not available to applicants 75 years of age or older.
Spouse maximum benefit = 50 per cent of insured amount; dependants' maximum benefit = 10 per cent of insured amount. Benefits payable for a dependent are doubled when there is no spouse in the household.
These descriptions are meant only as an aid to understanding coverage and benefits. Complete provisions, exclusions and limitations are set out in the AMA Individual Personal Accident Insurance Policy.
Apply online now for your personal accident insurance policy.
AMA personal accident insurance is available exclusively to AMA members. Not a member? Join now.
