Medical, Rehabilitation & Attendant Care Coverage

Medical, Rehabilitation and Attendant Care Benefits can help pay for treatment, rehabilitation and personal care following an automobile accident. This can include physiotherapy, occupational therapy, mobility devices, home or vehicle modifications, and assistance with certain daily activities.

This coverage is mandatory in Ontario, with higher coverage limits available as an option.

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What Are Medical, Rehabilitation & Attendant Care Benefits?

These benefits are designed to help with reasonable and necessary expenses resulting from injuries sustained in an automobile accident.

Medical Benefits	Rehabilitation Benefits	Attendant Care Benefits
Treatment and healthcare expenses that may not otherwise be covered. This can include services such as physiotherapy and other eligible treatment.	Services and expenses intended to help reduce or eliminate the effects of an injury and assist with recovery or returning to daily activities.	Assistance with certain personal-care activities when an injury leaves an insured person requiring help with their daily care.

How Much Coverage Is Available?

Classification	Standard Coverage	Increased Coverage Available
Minor Injury	Generally up to $3,500	Subject to the Minor Injury Guideline
Non-Catastrophic Impairment	$65,000	$130,000 or $1,000,000
Catastrophic Impairment	$1,000,000	Can be increased to $2,000,000
Highest Combined Catastrophic Limit	—	Can reach $3,000,000 when increased Medical, Rehabilitation & Attendant Care and additional catastrophic coverage are selected.

Example: A person is seriously injured in an automobile accident and requires months of physiotherapy and occupational therapy. Their injuries also make it difficult to safely use the stairs in their home. Eligible treatment and an appropriate home modification may be covered through their Medical, Rehabilitation & Attendant Care Benefits.

Who May Qualify for Medical, Rehabilitation & Attendant Care Benefits?

Medical, Rehabilitation & Attendant Care Benefits may be available to insured persons who are injured in an automobile accident, regardless of who caused the accident.

Because this coverage remains mandatory in Ontario, it can also be available in certain situations to people who do not have their own auto insurance policy or are not listed on someone else's policy, such as certain passengers, pedestrians or cyclists injured in an automobile accident.

What Can Medical & Rehabilitation Benefits Cover?

Depending on the injury, treatment plan, eligibility and policy terms, eligible expenses can include things such as:

Physiotherapy · Occupational therapy · Chiropractic treatment · Psychological services · Medication · Mobility devices · Assistive devices · Assessments · Home or vehicle modifications · Other eligible rehabilitation services

Should You Increase Your Coverage?

Yes. We recommend increasing both your non-catastrophic and catastrophic coverage limits.

No one expects to be seriously injured in an accident, and we hope you never need to use this coverage. But if something does happen, having the highest limits available can give you and your family greater access to the treatment, rehabilitation and care you may need.

It is coverage we hope you never use, but would want you to have if you ever need it.

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