On-demand accidental death insurance for medical procedures
Affordable and accessible in life's tough moments

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Medical procedures

Coronary bypass? Joint replacement?
C-section? Hernia repair?
We cover the majority of elective surgeries

Like travel insurance

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No medical exams
No phone calls

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What you need, when you need it
No monthly payments
Modern coverage process

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Good to know...

Insurance is confusing but Samos is working to make it simpler. Don’t see your question? Check out our complete FAQ.

How much does it cost?

Premiums depend on your age, procedure, and desired insurance coverage. Most of our premiums are under $100.

What coverage do you offer?

Accidental Death Insurance for Medical Procedures (ADIM) offers coverage for most elective surgeries. It covers the time from admission to discharge at $30k, $75k or $100k insurance benefits.

Is my procedure covered?

We cover hundreds of elective procedures which account for half 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?

If your procedure is delayed, inform us at least 48 hours before your original admission date. If your procedure is scheduled earlier, inform us at least 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.

Are there medical requirements?

There is no medical exam or medical related questions other than identifying the surgery you are having.

How can I get in touch with someone?

You can email, call, message using the chat bot below or complete our contact form.

How soon before surgery do I need to sign up?

You have to sign up at least 48 hours before your surgery.

Who can apply for coverage?

Individuals in Ontario aged 20-69 undergoing elective surgery can apply for Accidental Death Insurance for Medical Procedures (ADIM).


An illustration of founder Eric in bed at a hospital
In 2020, Samos’ Founder Eric was gowned and waiting on a gurney for his surgery when he realized he didn’t have life insurance. He had just left his job and was no longer covered by the group, life, or AD&D insurance benefits of his previous company.
An illustration of Eric at a hospital bed with less than optimistic search results
He started Googling his surgery as his thoughts were filled with all sorts of “what ifs”. Where there are well understood risks, you could usually find mitigation in the form of insurance. Should the unthinkable happen, he wanted his family to be taken care of.

Eric was unable to find any such insurance.
an illustration of Eric having a moment of an idea
Fortunately, Eric made it through his surgery & recovery but the experience stuck with him. In digging further, he found that many people have little to no insurance. And for those who do, they may not understand what is or isn’t covered.

Many AD&D policies actually exclude death during medical treatment & surgery.
An illustration of Samos' founding members
Eric went on to team up with health data expert, Matt, and insurance expert, Leon, to develop insurance that could address this unique need.

This lead to the founding of Samos Insurance - providing a quick & affordable way to provide surgical insurance in case of accidental death.

Get in touch!