Diabetes doesn't have to mean no for an answer.
Plenty of Canadians with Type 1 or Type 2 diabetes assume they've already been turned down, so they never ask. Answer a few questions and find out where you actually stand, from people who handle diabetic applications every week.
- Type 1 and Type 2 both welcome
- No medical exam
- Free, no obligation
Which province do you live in?
Coverage and rates vary by province, so this is where we start.
Not listed? We aren't able to help in Quebec, Newfoundland and Labrador, Prince Edward Island, or the territories right now.
How much coverage are you looking for?
A rough number is fine. You can adjust it later.
How old are you?
Age is the single biggest factor in what a policy costs.
Which type of diabetes do you have?
This matters more than most people expect, and it changes which products are open to you.
What is your gender?
Insurers price men and women differently, so this affects your quote.
Have you used tobacco or nicotine in the last 12 months?
Cigarettes, vapes, and cannabis all count. Answering honestly keeps your quote accurate.
Almost done. Who is this for?
Just so your quote has a name on it.
Last step: confirm your number
We'll text you a 6-digit code. It takes a few seconds and keeps bots out of the system.
Enter your verification code
One quick check that the number is real. Then you are done.
We texted a 6-digit code to your number.
Didn't get it?
Free · No obligation · Your details stay private
You're all set, there.
Your number is verified and your request is with a licensed Canadian advisor. They'll call you at your number. Keep your phone close by.
A licensed advisor calls you
A real person, licensed in your province. They'll ask a few more questions about how your diabetes is managed, because that detail is what determines your options.
You get a straight answer
Which products you'd likely qualify for, which you wouldn't, and what each costs. If the honest answer is that one route is better than another, they'll say so.
You decide, or you don't
If a plan makes sense you can usually apply on the same call, with no medical exam. If you'd rather think it over, that's a completely normal answer.
- Know roughly when you were diagnosed. The year is enough. It's one of the first things an insurer looks at.
- Have your recent A1C if you know it. Not essential, but it lets your advisor be far more precise about your options.
- Be ready to say how it's managed. Diet, tablets, insulin, or a pump. There's no wrong answer, and being straight about it gets you an accurate quote.
- Mention any related conditions. Blood pressure, cholesterol, kidney or heart history. Better raised now than discovered at claim time.
Will I actually get approved?
We can't promise that, and you should be sceptical of anyone who does. What we can say is that diabetes on its own is not an automatic decline in Canada, and that the details of how it's managed matter enormously. Your advisor will tell you honestly what your realistic options look like.
Do I need a medical exam?
Not for the products your advisor will show you. There are health questions to answer on the call, but no needles and no lab visit.
I was declined before. Is it worth trying again?
Often, yes. A decline is specific to one insurer, one product, and your situation on that day. Control improves, products change, and different insurers assess diabetes very differently. It costs nothing to find out where you stand now.
Does this cost anything?
No. The quote and the advice are free, and you are never obligated to buy. If you do take out a policy, your only cost is the premium you agree to.
Who is Quickest Coverage?
Quickest Coverage is a lead referral service operated by JustRates Inc., a Canadian performance marketing company. We are not an insurance company or a broker, and we don't issue policies. We connect Canadians with licensed insurance brokers and advisors, and we are paid a referral fee when we do.
Your details go to the licensed advisor handling your request. We are paid a referral fee for the introduction, and we never add you to unrelated marketing.
Answer a few questions
Province, coverage, age, and how your diabetes is managed. About sixty seconds, no medical exam.
We verify it's you
One text message with a code. It keeps bots out, so only genuine enquiries get through.
A licensed advisor calls
They know how insurers assess diabetes, and they'll tell you where you actually stand. No pressure either way.
Getting on with life, with cover in place.
Most people with diabetes never apply, because they assume the answer is no.
Diabetes is not an automatic decline
Canadian insurers underwrite diabetes routinely. Type, diagnosis date, control, and how it's managed all count, and the outcome is far less binary than people expect.
Good control changes the conversation
Stable readings, a steady treatment plan, and regular check-ups are exactly what an underwriter wants to see. If that's you, say so.
A past decline isn't permanent
It was one insurer, one product, one snapshot in time. Different insurers reach genuinely different conclusions about the same person.
There is always some route
If fully underwritten coverage isn't available, simplified and guaranteed-acceptance products exist. Your advisor will explain the trade-offs honestly.