What is covered?

2.4.1 - Comprehensive General Liability (including Personal Injury & Property Damage)

2.4.2 - Accidental Death and Dismemberment

a) Table of Losses

b) Paralysis

c) Other Coverages

d) Critical Incidence Stress Councelling

2.4.3 - Major Medical/Dental

a) Accidental Dental Expense Benefit

b) Accidental Medical Treatment Benefits

c) Prosthetic Appliance Benefit

d) Tuition Expense Benefit

e) Emergency Taxi & Travel Expense Benefit

f) Loss of Income Benefit

g) Concussion Injuries




2.4.1 - Comprehensive General Liability including Personal Injury and Property Damage

The Hockey Canada Liability Policy will provide up to $20,000,000 of coverage with respect to a single liability occurrence, as dictated by the terms and conditions of the policy. Any additional costs that are over and above the $20,000,000 limit must be borne by the named individual and/or their respective homeowner’s insurance, to the extent that may apply.


2.4.2 - Accidental Death and Dismemberment


a) Table of Losses

Loss of life $25,000
Loss of entire sight or both eyes $50,000
Loss of speech and hearing in both ears $45,000
Loss of one hand and the entire sight of one eye $45,000
Loss of one foot and the entire sight of one eye $45,000
Loss of the entire sight of one eye $35,000
Loss of speech $30,000
Loss of hearing in both ears $30,000
Loss of hearing in one ear $15,000
Loss of all toes of one foots $15,000
Loss of or loss of use of:  
Loss of use of both hands $45,000
Loss of use of both feet or both legs $45,000
Loss of use of one hand and one foot $45,000
Loss of use or one arm $30,000
Loss of use of one leg $30,000
Loss of use of one foot $30,000
Loss of thumb and index finger of the same hand $15,000


b) Paralysis

Class I  
Quadriplegia total paralysis of both upper and lower limbs $1,000,000 under 70 years of age
Paraplegia total paralysis of both lower limbs $1,000,000 under 70 years of age
Hemiplegia total paralysis of upper and lower limbs of one side of the body $1,000,000 under 70 years of age
Serious brain injury resulting in permanent total disability   $1,000,000 under 70 years of age
Class II  
Quadriplegia total paralysis of both upper and lower limbs $50,000 under 80 years of age
Paraplegia total paralysis of both lower limbs $50,000 under 80 years of age
Hemiplegia total paralysis of upper and lower limbs of one side of the body $50,000 under 80 years of age


c) Other coverages directly related to the AD&D policy when applicable include:

  • Emergency Travel Benefits - $250
  • Funeral Expense - $10,000
  • Eyeglasses and contact lens expense - $250
  • Rehabilitation benefits - $25,000
  • Home alteration benefits - $25,000
  • Repatriation benefit - $25,000
  • Tutorial fee benefits - $5,000


d) Critical Incidence Stress Counselling

  • Off-ice maximum per incident pre insured - $2,500
  • For all insureds - $10,000
  • Off-ice maximum per incident - $2,500


2.4.3 - Major Medical/Dental


a) Accidental Dental Expense Benefit

When accidental injury to whole or sound teeth shall, within 30 days, require treatment, the plan will pay for reasonable expenses actually incurred within 42 weeks after the date of the accident.

Maximum $1,250 per tooth, up to a $2,500 maximum.

If, due to the age of the covered members, dental development is not sufficient to permit treatment within 52 weeks, a report from the dentist or dental surgeon is required within 90 days of the date of accident, stating pertinent facts as to the damage. On receipt of a satisfactory report, the incurred expenses will be paid, subject to a maximum future treatment limit of $2,500. Capped or crowned teeth shall be deemed as whole or sound.


b) Accidental Medical Treatment Benefits

When my reason of injury, and within 30 days from the date of accident, the insured person required medical treatment or incurs expenses for any of the following services, while under the regular care and attendance of a legally qualified physician or surgeon who is not a member of the immediate family of the injured person with respect to items 1 through 7:

  1. Private duty nursing by a licensed graduate nurse (R.N) who does not ordinarily reside in the insured person’s home or is not a member of his/her immediate family;
  2. Ambulance transportation, when such service is provided by a Professional Ambulance Service of the nearest approved hospital which is equipped to provide the required and recommended necessary treatment, ambulance expenses will be reimbursed at 100%;
  3. Hospital services for which benefits are not provided by any Federal or Provincial Government Hospital Insurance Plan administered by the Province or Territory in which the insured personal normally resides, whether paid or not;
  4. Rental of a wheelchair, iron lung and other durable equipment for therapeutic treatment, not to exceed the purchase price prevailing at the time rental became necessary;
  5. Fees of a licensed physiotherapist, athletic therapist, chiropractor or osteopath recommended by a legally qualified physician or surgeon, will be reimbursed up to $500 in any one hockey season. No payments will be made to any team personnel who refer players to their clinic for treatment.
  6. Drugs and medicines purchased by prescription made by a physician or surgeon.
  7. Miscellaneous expenses such as hearing aids, crutches, splints, casts, trusses, and braces, but excluding replacement thereof.

Hockey Canada will pay the necessary expenses actually incurred, therefore, by or on behalf of an insured person within52 weeks as a result of any one accident. Any sub limits or co-insurance indicated above shall apply.

Hockey Canada shall not be liable for any expense incurred for treatment or services by a legally qualified physician or surgeon.

The policy is subject to and shall not contravene any Federal or Provincial statutory requirement with respect to hospital and/or medical plans, nor shall it duplicate any benefits which are provided under any Federal or Provincial Hospital or Medical Plans, or any other providing a reimbursement expense.


c) Prosthetic Appliance Benefit

Maximum $1,000.

Will pay all reasonable costs for the purchase of artificial legs, eyes, etc. necessitated by accidental injury.


d) Tuition Expense Benefit

Maximum $2,000. 

In the event that an accident confines the covered member to his or her resident or hospital for a period in excess of 40 consecutive school days, within 30 days of the accident, the cost of tutorial expenses of a qualified teacher will be paid to a maximum of $10/hr.


e) Emergency Taxi and Travel Expense Benefit

Maximum $140 per accident. 

The benefit will pay the reasonable expense incurred for a licensed taxi to transport the eligible member to the nearest hospital or a doctor’s office, where immediate medical attention is required. In certain circumstances Hockey Canada will consider the reimbursement of fuel for a volunteer who provides the same service due to immediate need of medical attention.

The Travel Expense Benefit will pay the cost of all reasonable travel expenses incurred as a result of an accidental injury. Treatment must begin within 30 days of an accident for coverage to apply.

NOTE: For the emergency taxi benefit and the travel expense, all bills or receipts must be submitted.


f) Loss of Income Benefit

Maximum $250/week, $1,000/claim, 14 day waiting period.

In the event that an accident results in the covered member incurring a loss of earnings in excess of 30 consecutive days we shall provide reimbursement for those earnings lost for the next 30 day period. We shall do this based on $250 per week/$1,000 maximum per claim limit. This benefit is not intended to reimburse for missed Officiating assignments, or act as a supplemental to any other loss of income benefit. Proper documentation of the lost earnings in the form of a Statement of Earnings and Deductions will be required.


g) Concussion Injuries

Concussion injuries involved many different interventions. Hockey Canada will consider the following coverage related to a concussion which has been diagnosed by a physician.

  1. Physiotherapy under the current maximum of $500 per year.
  2. Neuropsychology, which falls under the current physiotherapy maximum per year.
  3. Tuition expenses as previously described.
  4. NOTE: Hockey Canada Insurance does not cover expenses for baseline testing.