SRP insurance

Surgical Risk Protection insurance (SRP) covers accidental death for covered procedures or surgeries. SRP is purchased for a specific scheduled surgery, and pays out up to $200,000 to the beneficiary.
Sign up on-demand & no medical exam is required.
We’ve designed SRP insurance to be cost-effective, simple, and accessible to as many people as possible.

It works whether or not you have existing life or AD&D coverage; many accidental death policies do not cover death during surgery. Compare SRP to traditional insurance coverage.
SRP is insurance coverage for patients undergoing non-emergent, scheduled surgeries. It covers the time a patient is in the hospital for surgery, from admission to discharge. This is the time during which patients are most vulnerable to life-threatening complications. If a death occurs during the covered surgery, a benefit up to $200,000 is provided to the listed beneficiary.
SRP insurance is a simple way to get accidental death coverage for elective surgeries. Get a quote in minutes and receive your policy in less than 48 hours.

How it works

Answer simple questions

No medical exam required


One-time premium

review & sign

No waiting period or phone calls

What's Covered?

SRP insurance works with hundreds of elective procedures, accounting for the majority of procedures performed annually. These include:
  • C-section
  • Coronary bypass
  • Cardiac valve procedures
  • Spinal fusions
  • Joint replacements
  • Weight management procedures
  • Abdominal and reproductive procedures
  • Laparoscopic procedures
View our complete list of covered procedures.

Who can sign up?

We currently provide coverage to patients:
  • In Canada
  • Aged 20-69 on the date of their procedure
  • Whose surgeries are non-emergent/planned
At this time, we do not cover:
  • Transplant procedures
  • Emergency surgery

* To receive SRP insurance from Samos, you must contact us at least 48 hours before the planned date of your procedure.
OFFER STANDOUT COVERAGE: If you are a broker or employer looking to top up a group
benefits package with stand out coverage, email us to learn more.