Exclusive group rates. Exclusively for you.
Choosing home and auto group insurance with The Personal means you’ll get exclusive rates and personalized coverage for you as a member of the Canadian Owners and Pilots Association. You could also save over $650 by switching your home and auto insurance to us.*

Peace of mind at your fingertips with The Personal App
As a client, you could get the most out of your insurance with The Personal App
Alert Program: Get an alert if water or freeze is detected in your home
Online Services: Manage your policy or file a claim, anytime, anywhere

It’s easy to switch!
Most of our new clients described switching to The Personal as easier than expected.**

The Personal cannot offer a home insurance policy if there is a hangar or landing strip on the property.

The Personal refers to The Personal Insurance Company. Certain conditions, limitations and exclusions may apply. Savings and discounts are subject to eligibility conditions and may vary by jurisdiction. Rates and discounts are subject to change without notice. Auto Insurance is not available in MB, SK and BC due to government-run plans.
* Savings amounts are calculated by applying the group discounts and most common savings and discounts that the majority of policyholders qualify for to the base premium. Savings amounts are not guaranteed and will vary depending upon your underwriting information.
** Based upon the responses of policyholders of The Personal in a survey conducted between July 26 and September 7, 2017, who switched their home and auto insurance from another insurer between May 2016 and July 2017.

COPA Emergency Medical Travel Program is now extended to age 79! (Scroll down for more details)

Click here to apply



Covid-19 Coverage Effective October 1, 2020

First of all, we at the COPA / Puhl group office hope all is well with you and your family in these Covid-19 virus times.

The COPA travel underwriter SSQ Insurance will be covering emergency medical expenses resulting from COVID-19 for those travelling to a county for which the Canada government has issued an avoid non-essential travel notice (level 3)

However emergency medical expenses are not covered for travel to a county for which an avoid all travel advisory (level 4) has been issued.  Please always check with your airlines on the travel advisory level to your destination.

During the trip: 
In the event that the Canadian government issues an avoid all travel advisory (level 4), insureds will have 14 days to return to Canada, after which time, coverage will no longer be provided.

Information and advice: 
During this pandemic, our priority remains the health and safety of our clients with decisions based on their best interests. Although the best option is to avoid travelling altogether, SSQ Insurance wants to protect those who must.

Remember that in all countries affected by the coronavirus, any directives issued by the local government and public safety authorities will supersede those of our assistance service. As a result, access to health care may be limited.  Car rental and airline seats availability may be not as secure as before.  Hotel rooms may be limited for extended stays.

It is wonderful news that travel is opening up and we wish you a safe and enjoyable holiday.

COPA Emergency Medical Travel Program is now extended to age 79! (Scroll down for more details)

We listened to you, the members of COPA, and were able to negotiate with SSQ to amend the current contract. This is how the program looks now with the age enhancement:

Up to age 69: $222 per year
*covers all dependent family members
Under age 65 – pre-existing medical conditions are covered
Age 65 – 69 – 3 month pre-existing condition clause

Ages 70 – 74: $386 per year
*covers all dependent family members
6 month pre-existing condition clause

Ages 75 – 79: $772 per year

Exclusions and Limitations Applicable to ages 75-79 only:

A. 11. any condition for which the Insured Person received medical advice, consultation or
treatment within twelve (12) months prior to the commencement of a Trip, with the exception of a Chronic Condition which is under treatment and Stabilized by the regular use of prescribed medication;

“Chronic Condition” means a disease or disorder which has existed for a minimum of twelve (12) month.

“Stabilized” means there has not been a change in the medical condition requiring

Planning a trip?

Travel Insurance is one of the most important things on your list. Whether you’re going across the border, down south, overseas or to another province, your provincial health plan may cover only a small portion of medical expenses. Travel Insurance picks up where your government health plan leaves off.

When you purchase Travel Insurance from SSQ, you not only get emergency medical coverage, you also get the support you need in your own language – 24 hours a day, seven days a week.

Getting the protection you need is fast, convenient and easy:

Coverage that fits you, and your budget.

A little every month can save you a lot later.

One-size-fits-all usually fits no one – especially when it comes to health and dental coverage. That’s why the Association Health & Dental Plan offers 8 choices, to give you the coverage that’s right for you, at the price you need.

  • Without coverage?
  • Employer plan doesn’t provide enough coverage?
  • Self-employed?

Out-of-pocket health costs continue to rise in Canada. The Association Plan options start where provincial plans stop. They could help you save thousands of dollars on routine and unexpected prescription drugs, dental care, vision care and more.

Healthcare online 24/7, on demand healthcare included for free with all COPA Plans.

Included in the plan:

Get a diagnosis and treatment plan for common concerns like colds, the flu, eye issues, skin conditions and more.

Seek help for mental health issues.

Get a referral to a nearby specialist.

Have prescriptions renewed or even get a new one.

Get lab test requisitions emailed directly or have them sent to the lab or clinic of your choice.

To register or if you have any questions, please call the below contact in your area:

Arlene Marko (BC, AB, SK, MA, ON, YT, NWT and NU)
Phone: 1-855-234-3808
Email: copa@puhlemployeebenefits.com

Lianne Ulin (QC)
Phone: 1-514-769-4643 ext. 221
Email: lianne@mbacal.com

Shayne Connolly (NB, NS, PEI, NL)
Phone: 1-902-892-3779
Email: shayne@connellygroup.ca

Stay tuned for our new and improved death and dismemberment insurance plan.
Updated August 7, 2020.

Stay tuned for our new and improved group life insurance plan.
Updated August 7, 2020.