You’ve got this covered. We’ve got you covered.

PolicyMe can help you begin a life, health and dental, or critical illness insurance claim, and verify which insurance company to contact to make a home and auto insurance claim. In every case, the claim will be reviewed by the company that underwrote your policy.

The time it takes for a claim to be paid depends on the claim type, circumstances, and whether any additional information or documents are required. Our partners employ an experienced team of experts to ensure claims are processed in a timely manner.

Life, health and dental, and critical illness insurance claims are paid by Securian Canada. Home and auto insurance claims are paid by the company that issued your policy.

Life and critical illness benefits are paid by cheque or direct deposit, while reimbursement for health and dental insurance claims is usually processed via direct deposit. For home and auto insurance claims, the method of reimbursement depends on the arrangement with your insurance carrier.

The suicide clause states that a death benefit won’t be paid out if the policyholder commits suicide within the first two years of purchase, and is an industry standard for life insurance. The other main reason a claim may be denied is if the policyholder intentionally misrepresented any information on their application (such as the state of their health or their occupation). 

Of course! We can share an overview of your loved one’s policy after an initial basic verification, and further details and information after establishing your identity. We always recommend that policyholders notify their beneficiaries and save their policy documents in a secure place to avoid confusion.

Depending on the health and dental insurance plan you selected, your PolicyMe coverage may exclude comprehensive dental services, major dental services, hearing aids, or other supplies and services. We always recommend that policyholders read their coverage documents carefully before accepting and paying for a policy.

If you’ve submitted a claim online, your reimbursement will typically be processed and delivered via direct deposit the following day, or up to one week later. Claims submitted directly by medical service providers are always processed in real time.

We recommend that our customers keep the receipts of any submitted claims for at least 12 months.

Of course! We can share an overview of your policy after an initial basic verification, and further details and information after establishing your identity. We always recommend that policyholders save their policy documents in a secure place to avoid claim delays and confusion.