Ontario Accident Benefits

Effective July 1, mandatory and optional Accident Benefits options are now available for Ontario drivers. As your dedicated broker, we’re here to help!


There is no action required by clients with upcoming renewals. Your policy will automatically renew with existing coverage.


For more information on your existing coverage, please view your policy documents through the Orbit Client Portal. If you don’t have access to the Client Portal, please consult the policy documents provided by your broker.


If you have questions about optional Accident Benefits, please contact us at 1-877-976-7248.


Learn more about the changes with the resources below:


Ontario Accident Benefits infographic

Ontario Accident Benefits Infographic page 2



Other updates, effective July 1:

Your carrier is the first payer for auto claims instead of your employer or private health care plans, where applicable.


What's becoming optional?

Helps cover caregiving expenses if you or another covered person is injured in an auto accident and can no longer provide care for a household member, such as a child or aging parent, who needs it.

Helps cover the cost to repair or replace personal items (e.g., clothing, prescription eyewear, hearing aids, etc.) damaged in an auto accident.

Compensates some family members if you or another covered person die due to an auto accident.

Helps cover reasonable and necessary expenses of visitors, such as a sibling or parents, if you or another covered person is injured in an auto accident.

Helps cover some funeral costs if you or another covered person die due to an auto accident.

Helps cover costs if you or another covered person is unable to perform the housekeeping and home maintenance tasks normally done before an auto accident.

Helps replace income you or another covered person may lose because of an auto accident.

If an auto accident keeps you or another covered person from attending school or an education program, this benefit can help cover the costs you have lost.

If you or another covered person is a student or unemployed and an auto accident keeps you from leading a normal life, this benefit can provide financial support while you recover.

Frequently Asked Questions

Workplace benefits and Accident Benefits serve different purposes. While many employee benefit plans provide health and dental coverage, they may not address all the financial and practical impacts that could occur due to a serious motor vehicle accident.

Not necessarily. Employee benefits are typically designed to cover healthcare-related expenses. They may not provide the same type of support that would be available through certain Accident Benefits, such as caregiver expenses, housekeeping support, or visitor expenses.

These benefits can provide financial and practical support during some of life's most challenging circumstances. They may help address needs that extend beyond medical treatment, including income loss, caregiving responsibilities, and household support.

The average cost of optional coverage is often small compared to the potential financial impact of not having the applicable benefits when you need it most. Speak to an Orbit broker to learn more.

Everyone's needs are different, but it's especially important for people whose responsibilities or circumstances could create additional financial challenges after an accident, such as:
 
  • Parents of young children
  • Caregivers for aging family members
  • Students
  • Self-employed individuals
  • Anyone who relies on their income to meet financial obligations

If you are injured in an auto accident, your auto insurance will generally pay for eligible medical and rehabilitation expenses related to your injuries that are not covered by OHIP. This means that eligible medical expenses (excluding medications) will typically be submitted to your auto insurer first before any payments are made through a workplace or supplementary health benefits plan.

Understanding your workplace health and disability benefits can help you make informed decisions about the optional Accident Benefits coverage you may wish to purchase with your auto insurance policy. We recommend speaking with your human resources department or benefits administrator to learn what coverage you already have. Your insurance broker can explain the Accident Benefits coverage available through auto insurers but cannot provide details about your workplace benefits plan.

Last updated: September 2, 2026