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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 – Friday,
8 a.m. – 5 p.m. (ET)

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
We send you the forms 
You complete the forms & return them  We evaluate your claim & make a decision 

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 Best Doctors® 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. Helping Hands® helps you and your family1 get through the tough times. This free program provides around-the-clock 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

®Registered trademark of Best Doctors, Inc., used under license.
®Helping Hands services provided by Shepell•fgi L.P. Registered trademark of Shepell•fgi L.P., used under license.

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: 1-877-807-7806

Call collect from anywhere else: 1-519-342-4947

Creditor insurance claims

To file a claim on a BMO Loan, Mortgage, Line of Credit or Commercial Lending Product, contact your local branch (Opens in new tab)

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 (Opens in new tab).

  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.