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85% of all elective procedures covered. From cosmetic surgeries to cardiac valve replacements.
Quick & easy
No medical exams. Apply in 5 minutes and get approved instantly.
Most of our premiums cost less than CAD $100.
How it works
Finding insurance protection with a scheduled medical procedure can be a difficult task. At Samos, we're working to make this quick and easy.
Get a non-obligation quote: Answer 2 questions, choose your coverage amount, and get an instant quote.
Complete the 5-minute online application: There are no medical exams or phone calls. 99% of our customers find out their approval status immediately.
Digitally sign & pay: Pay online using credit or debit and sign digitally via DocuSign.
How much does it cost?
Premiums are calculated based on age and desired insurance coverage. Most of our premiums are under $100.
What coverage do you offer?
Surgical Risk Protection insurance (SRP) offers coverage for most elective surgeries. It covers the time from admission to discharge at $50k, $100k, or $200k insurance benefits.
Is my procedure covered?
We cover hundreds of elective procedures which account for about 85% of all procedures conducted annually. We will confirm whether or not your procedure is covered during the application process.
What if my procedure is rescheduled?
Stuff happens. If your procedure is rescheduled let us know 48 hours before your new admission date.
What are elective surgeries?
Elective surgeries are medical procedures that can be booked in advance. They aren’t emergent, life threatening, critical, or sudden. But contact us anytime to be sure, we're here to help!
Are there medical requirements?
There are no medical related questions or exams other than identifying the surgery you are having.
How soon before surgery do I need to sign up?
You must sign up at least 48 hours before your surgery.
Who can apply for coverage?
Individuals in Canada aged 20-69 undergoing elective surgery can apply for Surgical Risk Protection insurance (SRP).
Don't see your question? Check out our complete FAQ
What people say about Samos
My employer's benefits didn't cover me for elective surgeries. If something were to happen to me during this surgery, my family would be faced with not just immense grief, but a sizable financial burden.
Samos saved the day. Coverage was simple & quick to buy online. Samos gave us peace of mind when we needed it the most.
We're both working professionals and a few weeks before my scheduled caesarian, we had done some research on education savings & life insurance, but we needed something quickly.
All I wanted a one-time policy that gave my family security & financial peace of mind in the worst case scenario so I could be less anxious for the surgery. Samos turned out to be exactly what we needed.
Samos gave me an affordable insurance policy that let me walk into my surgery knowing that if the unforeseen complication occurred, my family would have financial security to lean on to. From start to finish, getting coverage from Samos was refreshingly fast and easy