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.
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Lanie Velasco-Jn Charles
So quick and efficient. Sourabh was very accommodating and helpful to what I needed for health insurance. They were able to call me back without having to have waited 1-2 business days. Love it!
Kenneth Schock
To ensure continued confidence that our long term health needs will be maintained.
Angie Mena
Christine helped me over the phone and was amazing and respectful
Steve Kriston
It was convenient and easy. Chris couldn’t have treated us better if he’d been sitting right beside us. Great experience!
Karen Roberts
The application process was easy and they were able to get me a great rate! The customer service was excellent!
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Very quick and formative.
Robert McLean
He was so nice to me told so much about it thanks so much
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Gautam was very helpful in making my decision about which insurance to purchase. I would recommend this insurance company
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George was helpful quick and knowledgeable with helping me find something suitable and that worked best at that. I definitely recommend Insurdinary for all of your insurance needs. Thanks George!
Holly Hanna
Very polite and courteous! Def a thumbs up ☺️
Kathy Jackson
Make it possible to contact a CSR who doesn't transfer me around 7 times before telling me they can't find their own policy issued to a customer - a policy number taken from their own letterhead!! I will tell everyone I know, in every way, to avoid your company at all costs. If I have to, I will contact CBC W5 or Marketplace. Manulife, you have messed with the wrong estate executor!!
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We had an excellent experience with Insurdinary. We strongly recommend them for insurance. Very pleasant to speak with. Fast and easy. We will be telling our family and friends all about it. Give them a call.
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Thank you so much George for your help , you so quick to respond me back and help me lots everything done so quickly. The best services ever. I will recommend to all my friends . Thank you so much I do really appreciated it..
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Very helpful very easy....good job.
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It was a pleasure talking with George He was very polite .
I was very impressed by how friendly and helpful Karen W right is. The price is very competitive and the coverage seems good.
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peter aldrich
Emil was professional, helpful on options and responsive. A+ service. Thank you!With Emil ; Easy Peasy !
Alicia Abbott
Sehar, thank you very much for listening to my needs for medical travel insurance and offering an acceptable rate without trying to sell anything other than my request. It was a pleasure dealing with you. Thanks again!
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Eric was very helpful and in fact went beyond what is expected to ensure that I got the policy I need. Thanks to Eric
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Kind, funny, and provided attention to detail. Made my purchase of insurance feel very calming.
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GREAT JOB
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AC Mitchell
Very precise, professional service meeting all my requirements. Thank you to Michael Bremen.
Sal Tan
Shear was very helpful and patient in explaining the insurance coverage I was interested in.
Bella D
Sehar Bajwar was great. She answered all our questions, and called us back when she said she would. Great client care service and great travel coverage prices. Keep up the good work. Thank you.
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Very good. Clear understandable information and details. Pleasant personnel
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Everything went great as Rep knowledgeable and looked after my needs.
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My needs were met with a friendly associate who called back when he said he would. All around happy with my experience.
shu lee
Dornaz of Insurdinary did an great job in helping me purchase travel insurance on September 7, 2023. She has good knowledge and experience about her work, and excellent attitude and customer care towards her clients like myself. I am totally satisfied with her service. Shu
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Very friendly and quick and informative staff. I highly recommend their services
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Received great service from Ummi at Insurdinary. She took the time to explain and answer our questions very pleasant. Thank you.
john braine
Sehar was very helpful in arranging out of province travel insurance that met my requirements at an affordable price.
Paul Morningstar
Emil Daniel answered every question I asked reguardingMy purchase of Travel Insurane and even gave me a few more to think about.I purchased a several month Single Trip Travel Insurace Policy with Emil's excellent assistance and am now researching, with Emil's assistance a Life Insurance Policy appropriate to my personal situation.I have high praise for Mr Emil Daniel.
Raoul Walker
Not goodPass word invalidCannot open policy
Michaela Dacey
Jane Templeton
Sehar was delightful to work with, very expedient and efficient. Prices are certainly comparable. Thank you!
Joyce Wiley
Sehar was absolutely the best. She patiently explained everything. Answered all my questions. I am computer illiterate, she took her time and helped me to understand. She also retuned my calls as per my request. Sehar is a real asset to your company.
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JudyHerm Meixner
Karen Wright was a pleasure to deal with. Very responsive to all of my different case scenarios.