Medical, Rehabilitation and Attendant Care Benefits
Standard Medical, Rehabilitation and Attendant Care Benefits are automatically included in every Ontario auto insurance policy. These benefits help pay for medical treatment, therapy, home or vehicle modifications and personal care after an accident, including doctor visits, physiotherapy and support with daily activities like bathing or dressing.
Get to Know Your Coverage
Accident Benefits can play a vital role in your recovery after you’ve been involved in a motor vehicle accident. The best time to learn about your coverage is before anything happens. When you understand what each benefit includes and how it can support you, you’re in a stronger position to recover well and worry less. Here’s what you need to know about Medical, Rehabilitation and Attendant Care Benefits:
Who is eligible: Individuals injured in a motor vehicle accident.
Benefit: Up to $65,000 for non-catastrophic injuries (shared with Attendant Care); up to $1 million for catastrophic injuries.
Additional Coverage: You can increase the non-catastrophic limits to $130,000, or $1 million for catastrophic injuries.
Example: A person needed months of physiotherapy after a serious motor vehicle accident. They also had trouble using the stairs, so a stair lift was installed in their home. These costs were covered through their Medical, Rehabilitation and Attendant Care Benefits.
Watch Now: How These Benefits Support Your Recovery
Watch this short video to learn what each benefit includes and how they can support your recovery after a motor vehicle accident.
Medical, Rehabilitation and Attendant Care Benefits
Discover how these benefits help cover your treatment and recovery costs, including doctor visits, physiotherapy, personal care needs and other rehabilitation services.
Understanding the Right Coverage for You
Everyone’s situation is different. If you have a high income, dependants or limited health benefits through work, the standard Accident Benefits coverage might not be enough for you. Fortunately, you can upgrade these benefits for greater protection. Buying additional coverage will increase your premium, but it can also make a big difference when you need help.
My advice to everybody is to increase your Medical and Rehabilitation coverage, because you never know when something terrible might happen and that extra coverage can go a long way.
Claims Manager
Healthcare costs in Ontario have gone up over the years, but standard Accident Benefits coverage amounts haven’t changed much. While the basic coverage still provides essential support, it may not fully meet your needs if you require long-term care, ongoing therapy, or home modifications after a serious accident. That’s where additional benefits come in. You can boost your protection and get greater peace of mind and financial security if the unexpected happens.
From the Blog: Learn More About These Benefits
Read more to get practical tips, examples, and guidance on your coverage.
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