At Combined Insurance, we specialize in disability, accident, and critical illness insurance tailored to the needs of Calgary and surrounding communities. With local expertise and a people-first approach, we provide affordable, flexible coverage designed to protect your health, income, and peace of mind.
Calgary
As someone with a high-risk job, I needed coverage that didn’t exclude me. Combined Insurance gave me peace of mind with no exclusions and first-day coverage. Truly life-changing.
Calgary
I love that my accident insurance plan doesn’t raise rates after a claim. That kind of stability is rare, and it’s why I recommend Combined to all my friends.
Chestermere
I’ve never dealt with an insurance company that made things so easy. The team explained everything clearly, and I got a fast quote that actually fit my budget!
Airdrie
I added critical illness coverage after a friend’s experience, and I’m so glad I did. When I was diagnosed, I got 10% of the benefit immediately and the rest just two weeks later. Incredible support.
Okotoks
We added the child critical illness option for our daughter. Knowing she’s protected gives us peace of mind every day. The process was smooth and the coverage is solid.
Cochrane
We specialize in disability, accident, and critical illness insurance. Each plan is customizable to suit your personal or family needs.
With Combined Insurance, most plans start immediately—with no waiting period—and claims can be filed from day one.
Yes! Most of our plans have no exclusions for high-risk occupations or activities, making them ideal for self-employed workers and adventurous lifestyles.
You can add a return of premium rider to your policy. If you stay healthy and don’t use the coverage, you’ll get 100% of your premiums back.
You receive 10% upon diagnosis, and the remaining 90% after 14 days of survival. Unlike many competitors, we don't require a 30-day wait.
Yes! We proudly serve clients in Airdrie, Okotoks, Cochrane, Chestermere, Strathmore, Turner Valley, and surrounding communities.
Whether you’re self-employed, active in high risk hobbies or planning for your family’s future, we’re here to help. Speak with a local Calgary insurance expert and find the right protection for you.
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After my accident, I wasn’t sure how I’d cover my bills. Combined Insurance stepped in right away—no waiting period, no stress. The payout helped me stay afloat while I recovered.