Our claims process – step by step


Life, accident & critical illness claims


In order to make an insurance claim, you must be the insured, beneficiary or executor of the estate. If you’re not, we’ll guide you through the process.



Start your claim now


To get your claim started, we will need to collect some details.

If any information is unknown, please give us a call at 1-855-587-8995.



Contact us  

Reach out to us when you want to make a claim



By Phone




monday to friday,
8 a.m. – 5 p.m. (eastern time)




If you bought your insurance
through an independent advisor









Information you’ll need to provide when you call us:


  • Policy number
  • Name of insured, beneficiary or beneficiaries
  • Cause of disability or death
  • If it’s a life insurance claim, place of death

Once you have completed the forms, return them to us by secure email, fax or by mail in the self-addressed, stamped envelope provided. Note: incorrect information or missing documents can delay a claim decision so please carefully review the materials to ensure that you have all the required documentation before sending them to us.


BMO Insurance
Claims Department
9-250 Yonge St
Toronto, ON
M5B 2L7


If you want to follow up on your claim, call us at 1-800-387-9855.


To protect your privacy and the security of your personal information, if sending your claim documents by email, please go to E-mail Encryption PDF for more information.



Take advantage of your plan’s added benefits


We provide you access to some of the world’s best doctors. If you’ve purchased the Well Woman, Life Recovery Plus or insureNOW Plus plan, you can consult with global network of leading medical specialists. Get a second opinion on your diagnosis and treatment plan or navigate the healthcare system at no extra cost to you. To use this benefit, call 1-877-419-2378.


Life can be stressful.  helps you and your family1 get through the tough times. This free program provides medical consultation, referral services, online health and wellness resources and counselling to EasyOne Life, Guaranteed Hospital Cash and insureNOW Plus policyholders. To take advantage of this benefit, call 1-800-625-0514.


®† Teladoc Medical Experts is a registered trademark of Teladoc Health, Inc.

Travel insurance claims


To make a claim and for assistance before your departure or during a medical emergency while travelling, call Allianz Global Assistance :


Toll-free within North America: 1-800-661-9060


Call collect from anywhere else: 1-519-741-0782

Creditor insurance claims


To file a claim on a BMO Loan, Mortgage, Line of Credit or Commercial Lending Product, contact your local branch


To file a claim if you have BMO Credit Card Balance Insurance, call 1-800-268-5962.


For more information about BMO Creditor Insurance, visit BMO.com.



  1. Family members include the policyholder, policyholder’s spouse and dependent children (under 18 years of age) and parents and siblings of both the policyholder and the policyholder’s spouse.