Shocking Stats: The 4…
According to national health organizations, the top four serious health risks in Canada…
- Welcome to Combined Insurance
Affordable coverage Local expert
We specialize in disability insurance, accident Insurance, and critical illness insurance in Calgary and surrounding areas. Life is unpredictable- we help you prepare with the right coverage, so you can focus on recovery and not on finances.
- About Us
Protect What Matters Most with Combined Insurance
Discover peace of mind with Combined Insurance’s affordable and reliable coverage options in Calgary and surrounding areas. Whether you’re facing an accident, critical illness, or disability, our plans can offer first-day coverage, stable rates, and no exclusions—even for high-risk jobs and hobbies.
First-Day Coverage, No Waiting
Get immediate protection with no waiting period, Ideal to fill in those gaps of insurance is that pay 30 to 60 days later
403-400-5257
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- Protecting
Protecting What Matters with Confidence
At Combined Insurance, we understand that life is full of uncertainties. That’s why we provide reliable insurance solutions designed to protect what matters most to you
- Income Protection
- Covers Illness & Injury
- First-Day Coverage
- Pay in addition to other benefits you receive
- Return of Premium Option
- No claims limit
- Rates do not increase with claims
- No exclusions of high-risk jobs or hobbies
- Can pay up to $12,000 a month
- Recovery benefit following hospitalization
- Receive lump sum up to $100,000
- Teladoc medical experts included
- Paid up benefit option for lifetime coverage
- 26 illness including cancer are covered
- Provided emergency fund for medical expenses
- Solutions
Insurance Solutions for Life & Work
Whether you're an individual, a family, or a business owner, we provide personalized insurance plans that protect your health, income, and future—so you're always covered when it matters most.
Supporting Calgary Businesses
At Combined Insurance, we help you choose supplemental coverage options your team will value
Helping Calgary Individuals
Whether you're looking to fill coverage gaps or get protection for specific conditions or life events
- Our Services
Our Insurance Services in Calgary
Our insurance services in Calgary at Combined Insurance we provide tailored insurance solutions designed to protect what matters most your health, income and peace of mind. Whether you’re self-employed or working in a high-risk job we have you covered.
Disability Insurance in Calgary
Protect your income in case of injury or illness that prevents you from working. Our Calgary disability insurance policies provide monthly benefits to help essential living expenses if you’re unable to work due to an accident or illness.
Combined Insurance specializes in Income protection in Calgary providing top-notch disability insurance policies that cover you regardless of occupation. One of our key advantages of choosing Combined Insurance is our affordable insurance plans that pay directly to you in addition to benefits provided by any other insurance policy including workers compensation or any government employment insurance program.
- Pays You Directly
- Covers to Age 75
- No Waiting Period
- Return of Premium Option
Accident Insurance in Calgary
Accidents happen when we least expect them- Make sure you’re financially protected. Our Calgary accident insurance plans cover unexpected injuries, hospital visits, rehabilitation costs and more. Having reliable accident insurance coverage is crucial for protecting yourself and your loved ones from any unforeseen circumstances.
Combined Insurance is a licenced insurance brokerage that specializes in providing affordable accident insurance plans to individuals/families in the Calgary area.
- No Claim Limits
- Rates Stay the Same
- First-Day Coverage
- Covers High-Risk Jobs
Critical Illness Insurance in Calgary
Receive a lump sum payout if you’re diagnosed with a major illness like Cancer, heart attack, or stoke. Our Critical illness insurance helps cover medical costs, lost income, or everyday costs like home and childcare costs.
If you’re seeking critical illness coverage in Calgary, look no further than a reputable insurance broker based in the area. Combined Insurance specializes in critical illness insurance, offering top-notch products and affordable plans to cater to your needs.
- Lump Sum Payout
- Covers 26 Illnesses
- Teladoc Medical Support
- Return of Premium Option
- Protecting
Comprehensive Protection for You and Your Loved Ones
Portable Coverage
Your insurance stays with you even if you change jobs.
Stable Rates
Premiums stay stable and benefits won't decrease with age
Guaranteed Protection
Coverage won’t be canceled as long as premiums are paid on time.
Family Coverage
Includes options for your spouse and dependent children under 18.
Why Choose Combined insurance?
At Combined Insurance, we go beyond basic coverage—we offer personalized protection with a local touch. As your trusted Calgary insurance expert, we provide tailored plans, fast claims support, and affordable premiums designed to fit your needs and budget
Local Calgary insurance expert
Personalized quotes and plans
Fast claims support
Affordable premiums
Trusted by families and individuals
Businesses across Calgary area
Hassle-Free Claims Payouts
Receive benefits quickly and directly, in addition to any other insurance or government programs.
Get started
Get Covered Today
- Our working process
4 easy steps to get the best results
01
Free Consultation
Connect with a local Calgary insurance expert for a free, no-obligation consultation.
02
Get a Personalized Quote
Based on your unique situation, we’ll recommend the best insurance options.
03
Apply with Confidence
Enjoy a smooth, stress-free application process. Most clients are approved quickly.
04
Ongoing Support
Once you’re covered, we’re here for you every step of the way—with fast claims service.
- Testimonials
What Our Client Say
At Combined Insurance, client satisfaction is our top priority. We’re proud to support individuals and families across Calgary with reliable, affordable insurance coverage they can count on. Don’t just take our word for it
5/5
— Jason M
Calgary
I was worried about finding disability coverage that would accept my high-risk job. Combined Insurance not only covered me without exclusions, but the process was fast and stress-free.
5/5
— Sarah K.
Airdrie
After my accident, I couldn’t believe how quickly the claims process was handled. No waiting period meant I got support right away. Combined Insurance truly delivers on its promises!
5/5
— Elena T.
Cochrane
When my husband was diagnosed with a critical illness, the lump-sum helped cover medical expenses and keep us afloat. Combined Insurance coverage literally saved our family.
- FAQ
Frequently Asked Questions
Have questions about our insurance plans? You’re not alone! At Combined Insurance, we believe in keeping things clear and simple. Below you’ll find answers to the most common questions we get about our disability, accident, and critical illness insurance in Calgary.
- Blog
Our Latest News
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Teladoc is included with our Critical Illness and Cancer Care Plus plans. Teladoc…
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