Insurance claims

We're here to help!

Making a claim

Your insurance is there to help you overcome life's challenges.
Here's what you need to know to make a claim.

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Travel insurance Credit card payment insurance Loan insurance

Travel insurance

Your Mastercard credit card includes travel insurance:

Contact our assistance service¹, available 24/7.

Canada and the US: 1-888-235-2645
Elsewhere in the world (toll-free): 514-286-8345

You sign up for travel insurance

Contact our assistance service¹, available 24/7.

Canada and the US: 1-844-783-7603
Elsewhere in the world (toll-free): 514-394-0075

Your Mastercard credit card includes travel insurance:

Contact our assistance service¹, available 24/7.

Canada and the US: 1-888-235-2645
Elsewhere in the world (toll-free): 514-286-8345

You sign up for travel insurance

Contact our assistance service¹, available 24/7.

Canada and the US: 1-844-783-7603
Elsewhere in the world (toll-free): 514-394-0075

Fill out the form: The assistance provider will send you a claim form. You must fill out the form and return it as soon as possible, ideally within 90 days of the event to which the claim relates.

You can also download the claim form from the CanAssistance website and find the information you need to submit your claim.

Provide requested documents: The assistance provider may request supporting documents in order to complete the claim assessment. Return the requested documents within 90 days and no later than 1 year after the event to which the claim relates.

Credit card payment insurance

Due to the current situation, the waiting time to speak to an agent is longer than usual. This is why, we are reviewing our claim process for credit card payment insurance:

1. Complete the forms

We'll let you know what forms to complete based on your situation and insurance coverage. You can download the documents.

2. Return the forms

Send the completed forms, along with all required documents, to the following address:

By email: assurances@bnc.ca

Include your first and last name and a phone number where we can reach you.

Your request will be processed within the next 15 working days.

Please note that the email you are about to send us is not secure. If you want to further protect the confidential information you send us, you can add a password on the document and then send us a second email with the password.

or

By fax: 514-394-6604 or 1-866-394-6340

or

By mail:

National Bank Life Insurance Company
800, Saint-Jacques Street, office 43511
Montreal (Quebec) H3C 1A3

We must receive the documents no later than one year from the date that the event occurred.

3. Contact us

You can also call National Bank Life Insurance Customer Service at 1-877-871-7500, option 2 to file a claim. We'll guide you through each step of the process.

Loan insurance

Making a claim

Due to the current situation, the waiting time to speak to an agent is longer than usual. This is why we are reviewing our process for submitting a loan insurance claim:

1. Complete the forms

We'll let you know what forms to complete based on your situation and insurance coverage. You can download the documents or
we can send them to you.

2. Return the forms

Send the completed forms, along with all required documents, to the following address:

By email : assurances@bnc.ca

Include your first and last name and a phone number where we can reach you.

Your request will be processed within the next 15 working days.

Please note that the email is not secure. Take precautions by adding a password to the document and by sending a second email with the password.

or

By fax: 1-866-394-6340 or 514-394-6604

or

By mail:

National Bank Life Insurance Company
800, Saint-Jacques Street, office 43511
Montreal (Quebec) H3C 1A3

The documents must be received within 1 year of the date of the event you are making a claim for.

Disability insurance: Waiting period

Please remember that there is a waiting period of 60 days (period during which no benefits are paid) before you can
receive payments. You can, however, submit the claim before the end of this period. You are still responsible for making the loan payments during the waiting period, while your file is being processed, and while receiving insurance payments.

3. Contact us

You can also call National Bank Life Insurance Customer Service at 1-877-871-7500, option 2, to get your claim started; we'll guide you through the steps to follow.

Need help?

Your mortgage loan insurance includes access to a helpline to assist you and your loved ones. You can call for information about your insurance coverage or for help in the event of a disability, critical illness, or death. To use the service, call 1-855-484-8358 between 9:00 a.m. and 8:00 p.m., any day of the week.

Little details that matter

In the event of disability:

Statement of insured
Statement of employer or self-employed worker
Authorization to disclose information
One of the following three forms/documents:
- Physician's statement (physical)
- Physician's statement (psychological)
- A detailed medical note from your attending physician or a progress report from your physician following your last medical appointment

Please note that we accept forms that you completed for other insurance companies.

Authorization from one of the following agencies, depending on your province of residence:
- RAMQ (Quebec)
- Medicare (New Brunswick)
- For the residents of any other province, a specific authorization will be sent only if needed by National Bank Insurance.

In the event of accidental dismemberment:

Statement of insured
Authorization to disclose information
Physician's statement
Authorization from one of the following agencies, depending on your province of residence:
- RAMQ (Quebec)
- Medicare (New Brunswick)
- For the residents of any other province, a specific authorization will be sent only if needed by National Bank Insurance.

In case of first diagnosis of Cancer:

Statement of insured
Authorization to disclose information
Statement of attending physician
Authorization from one of the following agencies, depending on your province of residence:
- RAMQ (Quebec)
- Medicare (New Brunswick)
- For the residents of any other province, a specific authorization will be sent only if needed by National Bank Insurance.

In the event of an Involuntary Job Loss:

Declaration of insured and Employer’s Statement
Authorization to disclose information
Record of Employment Form completed by your employer
Copy of E.I. Benefits Statement – Notice of Claimant Slip

In the event of death:

Statement of estate
Physician's statement
Authorization to disclose information
Authorization from one of the following agencies, depending on your province of residence:
- Medicare (New Brunswick)
- For the residents of any other province, a specific authorization will be sent only if needed by National Bank Insurance.
Copy of the death certificate
If it is an accidental death, a copy of the coroner's report (if available)

In case of critical illness (Distinction Protection Plan):

Statement of insured
Authorization to disclose information
Statement of attending physician for:
Authorization from one of the following agencies, depending on your province of residence:
- RAMQ (Quebec)
- Medicare (New Brunswick)
- For the residents of any other province, a specific authorization will be sent only if needed by National Bank Insurance.

For a Life event (Distinction Protection Plan):

Proof of one of the following events: post-secondary degree, professional certification or designation, marriage, purchase of a principal residence, birth or adoption of a child, payment of your last mortgage payment, retirement.

In the event of disability:

Statement of insured
Statement of employer or self-employed worker
Authorization to disclose information
One of the following three forms/documents:
- Physician's statement (physical)
- Physician's statement (psychological)
- A detailed medical note from your attending physician or a progress report from your physician following your last medical appointment

Please note that we accept forms that you completed for other insurance companies.

Authorization from one of the following agencies, depending on your province of residence:
- RAMQ (Quebec)
- Medicare (New Brunswick)
- For the residents of any other province, a specific authorization will be sent only if needed by National Bank Insurance.

In the event of accidental dismemberment:

Statement of insured
Authorization to disclose information
Physician's statement
Authorization from one of the following agencies, depending on your province of residence:
- RAMQ (Quebec)
- Medicare (New Brunswick)
- For the residents of any other province, a specific authorization will be sent only if needed by National Bank Insurance.

In case of critical illness:

Statement of insured
Authorization to disclose information
Statement of attending physician for:
Authorization from one of the following agencies, depending on your province of residence:
- RAMQ (Quebec)
- Medicare (New Brunswick)
- For the residents of any other province, a specific authorization will be sent only if needed by National Bank Insurance.

In the event of death:

Statement of estate
Physician's statement
Authorization to disclose information
Authorization from one of the following agencies, depending on your province of residence:
- Medicare (New Brunswick)
- For the residents of any other province, a specific authorization will be sent only if needed by National Bank Insurance. 
Copy of the death certificate
If it is an accidental death, a copy of the coroner's report (if available)