Accident Insurance

Receive financial support if you or a covered dependent gets injured in an accident. Accident Insurance is administered by Voya.

Accident Insurance is a voluntary benefit that supplements your medical coverage for specific, covered accidents and injuries. The benefit amount depends on the type of injury and the treatment you receive.

Here’s a high-level overview of Accident Insurance. For more information, review the Accident Insurance Benefit Summary.

Who You Can Cover You may cover yourself, your spouse/domestic partner and/or dependent children.
What’s Covered

Covered accidents include:

  • Injuries, like fractures, burns or lacerations.
  • Treatment for injuries including the emergency room, ambulance, surgery, a doctor visit and hospital admission.
  • Dislocations such as hip joint, knee, shoulder, etc.

Sports accident benefit: If your accident occurs while participating in an organized sporting activity, benefits will be increased by 25%, for a maximum additional benefit of $1,000.

Benefit payments can be used however you want (e.g., for everyday expenses, lost income, child care, deductibles, copays) and are paid in addition to any other coverage you may already have.

Benefit Amount

The benefit amount depends on the following:

  • Nature and severity of the injury
  • Treatment you receive
  • Plan you are enrolled in ― Low Plan or High Plan

You pay the full cost of Accident Insurance through automatic, after-tax payroll deductions. See Voluntary Benefits Premiums.

Filing a Claim Once your coverage goes into effect, you can file a claim for covered accidents on the Voya website.
Portability (When you Leave BMO) If you leave BMO or retire, you can take your coverage with you.


Support from Voya Cares®

Voya Cares® provides advocacy, financial planning resources and solutions to support the financial well-being of people with special needs or disabilities and their caregivers.

Voya Travel Assistance

Get pre-trip information, emergency personal services, medical assistance services and emergency transportation services when traveling more than 100 miles from home. Voya Travel Assistance is included with Accident Insurance. 

Review Voya Travel Assistance for a description of covered services. Download or print your Travel Assistance Wallet Card before traveling.

Need assistance?

Call the Human Resources Centre
Monday through Friday, from 8 a.m. to 5 p.m. CT.