Finding insurance when you have congenital heart disease can be difficult — but it’s possible.
At Nick Godfrey Insurance, we help adults born with heart conditions get life and health insurance coverage in Canada.
We’ve been supporting the congenital heart disease (CHD) community for over a decade and understand the challenges that come with pre-existing medical conditions.
We’ll help you explore practical coverage options based on your health and budget:
Life Insurance – Standard, simplified, and guaranteed issue plans designed for people with medical histories.
Health & Dental Plans – Ongoing coverage for prescriptions, dental care, and extended health needs.
Travel Insurance – Emergency medical protection when you travel within or outside Canada.
Healthcare Spending Accounts (HCSAs) – A flexible, tax-efficient way to pay for eligible health expenses.
Our process is simple and confidential:
Review your medical background to understand your heart condition and stability.
Match you with the right insurer – we know which providers are open to CHD cases.
Guide you through the application – no pressure and no lengthy paperwork until you’re ready.
We represent multiple Canadian insurance carriers to ensure you get fair access and affordable options.
Over 10 years of experience helping adults with congenital heart disease find insurance.
Licensed in Ontario and with associates across Canada for individual and family coverage.
Compassionate, informed support from an independent broker who understands CHD.
If you’ve been declined before, don’t give up.
There are life and health insurance options available for people living with congenital heart disease.
Use the link below to book a short call to discuss what plans may work for you.