The Edge Benefits was founded in 1985 in Canada. As being a small business itself, The Edge Benefits prides itself in being the choice insurance provider for small businesses, with a focus on the self-employed business market. The Edge vows to protect the underdog. Though small, The Edge is one of companies that comprises The Co-Operators Financial Group, and is therefore stabilized by the financial assets provided by The Co-Operators. In the last 15 years alone, The Edge has compensated over $200 million to its policyholders.
The Edge Benefits offers insurance coverage for health and dental, critical illness, travel insurance and life insurance. The Edge works carefully and closely with every single policyholder in an effort to understand their needs and tailor packages to meet those needs.
The Edge Benefits Key Information
NAME
DETAILS
Company Name
The Edge Benefits Inc.
Head Office Address
1255 Nicholson Road, Newmarket ON, L3Y 9C3
Contacts
1-877-902-EDGE (3343) Fax: 1-866-273-5557
Website
https://www.edgebenefits.com/
In Business Since
1965
A.M. Best Rating
-
Financial Assets
-
Terms and Conditions
https://www.edgebenefits.com/legal/
How Do I Purchase a Plan with The Edge Benefits?
Policy plans are available for purchase directly on The Edge Benefits website here.
How Can I Reach The Edge Benefits by Telephone?
To reach The Edge Benefits by phone, contact them at 1-877-902-EDGE (3343).
How Do I File a Claim with The Edge Benefits?
To file a claim with The Edge Benefits, you’ll need to contact them directly in order to request a claim form.
The Edge Benefits Pros and Cons
As with any product or service, and depending on your individual needs, there’s always advantages and disadvantages. Let’s take a look:
Why The Edge Benefits Could Be Right for You:
Competitive rates on insurance
Strong customer service team ready to assist you
Efficient claims process
Why The Edge Benefits May Not Be Right for You:
Claims process is not easy to navigate
Website is not exactly user-friendly in comparison to other insurance company sites
Niche market
What Does The Edge Benefits Cover?
The Edge Benefits presents a diverse range of insurance plans to safeguard your well-being and financial security. With a focus on health coverage, income protection, and life insurance, their comprehensive offerings cater to various aspects of life. Whether you seek peace of mind through health benefits, assurance for unexpected financial challenges, or long-term security for your loved ones, The Edge Benefits' plans provide the necessary protection for your journey ahead.
Health & Dental Insurance
The health plan provides coverage for prescription drugs, out of province emergency medical travel, vision care and so forth. It also covers extended health care such as professional services/registered therapists, accidental dental, ambulance transportation, hearing aids and so forth. The dental care covers the cost of basic preventative and restorative services as well as endodontic and periodontal treatment and denture services.
Edge’s health and dental coverage is an excellent way to cater for medical expenses that may occur but are not covered by the government health plan, especially if you are self-employed.
You have the option to either choose the health only coverage or the health and dental coverage. The coverage is issued from age 18 to age 64 but it covers the insured up to age 75. You can opt for the single, couple or family plan options. The health plan provides coverage for prescription drugs, out of province emergency medical travel, vision care and so forth. The health plan also covers extended health care such as professional services/registered therapists, accidental dental, ambulance transportation, hearing aids, medical services laboratory tests, diagnostic tests and x-rays, dialysis equipment, medical items and home support services and so forth. The dental care covers the cost of basic preventative and restorative services as well as endodontic and periodontal treatment and denture services.
Critical Illness Insurance
Edge Benefits will pay the insured a tax-free lump sum amount if diagnosed with a critical illness condition covered by the policy such as aortic surgery, coma, paralysis, and so forth. Up to 23 critical illnesses are covered by this plan. To receive the benefit, the insured is expected to survive the 30 day survival period. Also, you can only receive the second event benefit if you survive 30 days after the diagnosis. The critical illness insurance plan comes in three tiers: tier 1, tier 2 and tier 3. Tier 1 offers benefits up to $25,000, tier 2 up to $50,000 and tier 3 up to $100,000. If diagnosed with any of the critical illnesses covered by the policy, you will receive a tax-free lump sum payment provided you survive the 30 days survival period. You can only receive the Second Event Benefit if you survive 30 days after the critical illness diagnosis. You are no longer eligible to reapply for a new coverage in this plan after the second event benefit has been paid. If your premiums are paid in full, your benefits will be subject to an automatic increase of 5% of the original amount after 5 years up to 25% at no extra cost. Up to 23 life-threatening illnesses are covered by this plan. The covered critical illnesses include aorta surgery, cancer, deafness, dismemberment, paralysis, severe burns, stroke, occupational HIV infection, loss of independence, Alzheimer’s disease, benign brain tumor and so forth.
Fracture Accident Benefits
Edge Benefits will pay the insured a tax-free lump sum amount if diagnosed with a critical illness condition covered by the policy such as aortic surgery, coma, paralysis, and so forth. Up to 23 critical illnesses are covered by this plan. To receive the benefit, the insured is expected to survive the 30 days survival period. Also, you can only receive the second event benefit if you survive 30 days after the diagnosis. The critical illness insurance plan is in three tiers: tier 1, tier 2 and tier 3. Tier 1 offers benefits up to $25,000, tier 2 up to $50,000 and tier 3 up to $100,000. If diagnosed with any of the critical illnesses covered by the policy, you will receive a tax-free lump sum payment provided you survive the 30 days survival period. You can only receive the Second Event Benefit if you survive 30 days after the critical illness diagnosis. You are no longer eligible to reapply for a new coverage in this plan after the second event benefit has been paid. If your premiums are paid in full, your benefits will be subject to an automatic increase of 5% of the original amount after 5 years up to 25% at no extra cost. Up to 23 life-threatening illnesses are covered by this plan. The covered critical illnesses include aorta surgery, cancer, deafness, dismemberment, paralysis, severe burns, stroke, occupational HIV infection, loss of independence, Alzheimer’s disease, benign brain tumor and so forth.
Accidental Death & Dismemberment
Edge’s Accidental Death and Dismemberment plan is not just affordable, but it is also flexible. This plan does not just cover an accidental death but it also covers some other specific losses such as Hemiplegia, Quadriplegia, and Paraplegia. Some other losses are also listed in the policy. Accidental Death and Dismemberment insurance offered by Edge pays the insured a whopping $300,000 in the event of the insured’s accidental death or specific losses. The lump sum paid by the coverage is tax-free and is designed in such a way as to help you maintain your lifestyle and recover your independence. Accidental Death and Dismemberment insurance protects you and your loved ones from financial hardship if you are involved in an accident. The plan provides a tax-free lump sum up to $300,000 in the event of an accidental death or accidental dismemberment. Several specific losses are covered by this plan such as Hemiplegia, Quadriplegia, and Paraplegia. For each of the losses listed in the policy, a percentage of the benefit will be paid to the insured.
Income Protection - Injury Only
Income protection – injury plan offers a waiver of premium when disabled but benefits will still be paid. Some other benefits of this plan include the return to work assistance benefit and accidental medical reimbursement benefit. The benefit amount paid will be less than your Qualifying Insurance Monthly Earning (QIME) or the benefit amount purchased. The plan covers for both total and partial disability and is aimed at helping you to recover your independence. Benefits paid are a percentage of your income. The amount of income you make and how you make it will determine the amount of benefit you will be paid. This is determined by your Qualifying Insurance Monthly Earning (QIME) when you are disabled. For partial disability, the insured will be paid 50% of the benefit amount up to 180 days. Your premium will be waived while you are disabled but your income protection plan still continues. You can enjoy further benefits that come with this plan such as return to work assistance benefit, and accident medical reimbursement benefit.
Income Protection - Injury & Illness Coverage
The eligible age for this plan is between 18 and 64 (both inclusive) and the plan covers the insured up to age 70. This plan must be purchased alongside with the Loss of Income Injury coverage and the insurance amount should not exceed the Loss of Income Injury amount. You are also required to satisfy gateway questions as well as the required height and weight. The plan covers for both total and partial disability and is aimed at helping you to recover your independence. Benefits paid are a percentage of your income. The amount of income you make and how you make it will determine the amount of benefit you will be paid. This is determined by your Qualifying Insurance Monthly Earning (QIME) when you are disabled. For partial disability, the insured will be paid 50% of the benefit amount up to 180 days. Your premium will be waived while you are disabled but your income protection plan still continues. You can enjoy further benefits that come with this plan such as return to work assistance benefit, and accident medical reimbursement benefit. The eligible age for this plan is between 18 and 64 (both inclusive) and the plan covers the insured up to age 70. This plan must be purchased alongside with the Loss of Income Injury coverage and the insurance amount should not exceed the Loss of Income Injury amount. You are also required to satisfy gateway questions as well as the required height and weight.
Income Replacement Benefits
The Income Replacement Benefits amount paid to the totally disabled insured does not exceed the maximum amount shown on the Schedule of Benefits. Furthermore, the plan includes a waiver of premium benefits. This means that the insured will not pay premiums after 30 days of total disability and when the loss of income benefits become payable. The insured must be between age 18 and 64 (both inclusive) to enroll in this plan. The plan covers the insured up to age 65. If the insured is totally disabled for 60 months due to an injury, he will be eligible for a tax-free lump sum of $300,000 under the Loss of Income Policy. The Lifestyle Protection Enhancer amount paid under this policy will not go beyond the maximum amount shown on the Schedule of Benefits. After 30 days of total disability, the insured will be eligible for a waiver of premiums. This also holds when the loss of income benefits are payable.
Guaranteed Issue Life Insurance
In tier 1 final expense, your acceptance is guaranteed because no medical exam or health question is asked before acceptance. In addition, you will receive 4 times your benefit amount if you die from an accident. The option also includes living benefits. You will also receive additional life insurance if you satisfy the qualifying questions. Final Expense is designed to cover the cost of your funeral expenses in the event of unexpected death. This relieves your loved ones of the financial burden. The plan option is divided into two parts: tier 1 and tier 2. The tier 1 final expense is available for individuals from age 18 to age 85 and cover up to age 100, while the tier 2 final expense is available to individuals from age 18 to age 69 and cover up to age 75.The benefit from this plan ranges from $5,000 to $25,000. Your acceptance to the plan is guaranteed, no medical examination or health question will be required for acceptance. If your death is caused by an accident, your beneficiaries will receive four times the benefit. No benefit will be paid if your death is due to non-accidental causes within 2 years of your policy’s effective date. This is also the case if your death is due to suicide.
Emergency Medical Travel Insurance
You can opt for further protection in the travel plus medical emergency insurance. This coverage has annual plans only but it further includes trip cancellation, interruption, delay and baggage delay and loss benefits. The plan provides comprehensive protection when you are away from home. Edge’s travel medical emergency insurance provides the comprehensive insurance protection you need when you travel out of your province or away from home. It provides the insured with emergency assistance 24 hours a day and 7 days a week. The plan provides up to $5,000,000 in coverage for reasonable and customary medical expenses to help you treat the emergency medical condition. You can also opt for the travel plus medical emergency coverage which has further coverage options and benefits such as additional trip cancellation, delay and baggage delay, interruption and loss benefits. The travel plus medical coverage has an annual plan only.
Awesome customer service!!! Highly experienced, knowledgeable and very attentive. Friendly and efficient. Eric dealt with my inquiry promptly and with much patience. I highly recommend this insurance company. Thank you so much Eric!
Arya Surendran
Philip Siggelkow
A pleasant expierence, informative and helpful. The $500 deductible was a good option.
george poitras
This lady is the best!!!
Doug Hunter
Great courteous service by Dornaz.
Keith Barnes
I found the agents I spoke with to be very helpful and thorough.
Henry Kamphof
Yesterday with the assistance of Dornaz we were able to finalize and pay for our emergency medical insurance for travels to Portugal Spain and Italy this fall time. Everything went smooth and was pleased with the insurance packages provided.
Carol Shapiro
I dealt with Dornaz re purchasing trip cancellation insurance. She was prompt in her responses to me and followed up with a phone call to address any of my questions. It was a pleasure working with her. Thank you.
colleen green
Dornaz was excellent ! I found her when i googled medical insurance, plus another client referred her. I couldn't be happier and definitely refer her to anyone who needs travel insurance. The whole thing took less than 10 minutes! Thank you, Dornaz, You are the best! Colleen from Canada.
Paul Rosenthal
Cathy S
Best deal for Seniors needing travel insurance! Very pleasant experience resulting in amazing price! Thank you!!
Helene Marchand
We had excellent service with Eric. You are lucky to have him as an employee. He was very patience with us ( we are seniors) and very helpful.
Bill Buchanan
Artmiz is extremely knowledgeable about the product. She had all the answers right at her fingertips, which was most helpful and efficient. There was no waiting for a quote, everything was fast, convenient and, I believe, cost-effective. The whole process was a good experience.I checked out several other industry providers and found yours to be by far the best, in terms of convenience, friendliness, and a very knowledgeable agent.Bottom Line...On a scale of 1 to 10...A solid 10.Many Thanks, Bill Buchanan
Carrie Jamieson
Cathy Bentley
Eric was great to deal with. No pressure at all. He went through any questions I had and answered honestly...again NO pressure to get any policy and when I chose one he went through the questions and we sealed a policy that fit my needs.Thanks Eric!
Janice Sayer
Dornaz got back to me quickly with quotes, she was wonderful to speak with and found me the best price for my insurance
Edward McLain
Getting ins is no issue..if we need to use it..its unknown how you help us in support.Telephone call was very good.Thankyou for great satisfaction
Nicolas Ros
I AM VERY HAPPY WITH SHIWANI SERVICE. ATTEMPTIVE, PROMPT AND EFFECTIVE. THANK. SEE YOU AGAIN SOON.
James Milburn
Dornaz was very helpful and polite.
Mark Kunwar
friendly and helpful
Cora Peters
marie Hrynuik
Fay Greenholtz
Eric Clementi was very helpful
Bernard Madden
Both R'ceino Ewing and Dornaz were very informative, served me efficiently and responded to my needs in a timely basis. I now can travel without worry. I thank you both.. Bernard Madden
Tracey-Anne Lee
I highly recommend this insurance company. Artmiz was my agent. She was polite, informative, patient, efficient and made me feel like family. Their prices are better than other travel insurance and have great coverage. This is who I will be with for my future vacations and will definitely recommend to friends and family. Thank you Artmiz for making this transaction smooth. Much appreciated.
Glenn Gowriluk
Artmiz provided us with thorough and friendly service and advice in purchasing travel insurance. 5 stars!!
Artmiz was very efficient and professional. She followed up and ensured we got the best rate and package for our travel needs
Linda Beatson
It was a very convenient process. The agent was very helpful and I was able to get the coverage I require.
Joanne Hebb
Dylan and Eric were very helpful on my search for travel insurance. They were very friendly as well. I was glad to use them for info.
Clifford, Deborah
We spent considerable time with Dylan on the phone on several occasions and his patience and explanation of the policy was second to none. He is knowledgeable and thorough and extremely well spoken and mannered. We were then passed on to Eric and the response was the same. This company has our travel insurance business forever. Thank you Dylan & Eric.Clifford & Deborah Horsfall
Bernadette Wyllie
Service was excellent with Eric
Janice Bethune
Elaine Morelli
Traci Albert
Agents were helpful and personable
Kara Walker
Eric was quite helpful in suggesting insurance coverage best suited to my needs and quickly took care of getting me all signed up once I made the decision to move forward
mac mchenry
Kent Carstairs
Armando Perez
Easy to work new insurance when your agent Felipe Portes is effective, know his product and try to find the best product for your needs. Looking for insurance is jungle of options, so nice to have someone to direct you. An no stress experience.
Shirley Hartling
Agents were very courteous, helpful, and processed the purchase of my policy in excellent time. The cost of the policy was very competitive. I would use Allianz again with no quandaries.
Ken Zwicker
Russell Anderson
Michele Hicks
very easy and polite to deal with
Gail Levangie
While the customer service agents were great and very helpful - Maria and Eric -Trying to get access to the documents was extremely frustrating. Entered the password at least 6 times all rejected. Want info before I leave.. don’t want to deal with this in the event of an emergency
Morris MacKay
I was treated with the upmost respect and kindness by Dornaz. Very professional.Thank you so much
Marlene
Very good and thorough serviceThank you
Gary Oliver
The lady (Christine) who we spoke to about the health/dental insurance was very helpful and friendly. She was very knowledgeable. She was very pleasant and made the whole conversation easy. She was very easy to understand. Thanks
Robin
Great service! Friendly & fast service! Dornaz made sure I had the best price
Joseph Szucsik
PAT BEAUDOIN
I called for a quote on getting travel insurance for my upcoming trip to the US, Dornaz from Alliance Income was such a pleasure to deal with! She was thorough and got me a great deal, I will definitely recommend her and the company to others.