FAQ

Samos

What is Samos?

Samos is an insurance company that provides Surgical Risk Protection insurance for folks undergoing surgery. We are insurance experts, data enthusiasts, researchers, and innovators, creating an accessible platform to provide patients with additional financial security.

What is SRP?

Surgical Risk Protection (SRP) is accidental death insurance for covered procedures. In the event of death during surgery, SRP provides a death benefit to your beneficiary(ies).

What procedures are covered?

SRP insurance covers a long list of approved medical procedures. These include: abdominal, cardiac, obstetric, joint, spinal, male pelvic and reproductive, female reproductive, and laparoscopic procedures. If a procedure does not fit into one of the aforementioned procedure categories, it is not covered. Medical procedures covered by SRP insurance must be scheduled at least 14 days in advance, must not involve acute trauma, medical emergency, life-threatening conditions, or emergent request for surgery, and must not be rescheduled to sooner than planned due to a change in clinical status or health. If you have questions about the procedures we cover, email support@samos.insure.

Review our full list of covered procedures.

How can I get in touch with someone?

You can email, or call us at 1-866-875-1999.

Where is Samos licensed to operate?

We currently operate in Canada.

Why do I need SRP if I have health, life, and/or AD&D insurance?

In addition to these benefits, which are provided by many employers, SRP insurance provides a benefit in the case of death during a covered procedure. It offers further financial security in an uncertain time.
Furthermore, SRP insurance can often exclude surgery-related death. In that case, SRP fills an unexpected gap.

Policy

How much does it cost?

Individual
Premiums depend on your age, procedure, and desired insurance benefit amount. Get a quote in minutes to find out what SRP insurance would cost for you.

Group / Employer
Contact us at sponsors@samos.insure

How much is the benefit payout?

Depending on the plan you choose, SRP insurance can offer a benefit up to $200,000 that pays out upon the death of the insured.

What if my procedure is rescheduled?

If your procedure is delayed, let us know at least 48 hours before your original admission date.
If your procedure is earlier, please inform us at least 48 hours before your new admission date.
If your procedure is scheduled later than the date you provided, you must inform us at least 48 hours before the originally scheduled date. Even if your procedure date is deferred indefinitely, you must inform us 48 hours before the originally scheduled date.

Note: your policy will not cover you if your procedure is rescheduled to sooner than planned due to a change in the status of your health or if the procedure becomes emergent.

If you need help updating your procedure date, please contact us at support@samos.insure. We’re happy to assist you.

How soon before surgery do I need to sign up?

Individual
You have to have a policy complete at least 48 hours before your surgery.

Group / Employer
Activate coverage using the Group online portal at least 48 hours before your surgery.

Who is eligible for SRP?

Currently, we offer insurance coverage to individuals in Canada aged 20-69, who are undergoing elective surgery.

How can I access my policy?

Individual
Once you digitally sign the SRP insurance policy, a PDF of your policy will be emailed to you and will be available in DocuSign (a secure e-signature platform) for future reference.

Group / Employer
Once you activate your surgery on the group portal, you will be sent a PDF version of your policy.

What timeframe does SRP cover?

SRP insurance can cover the time from admission to discharge at the medical facility where your elective surgery takes place. If you have SRP insurance as part of a group benefits package, please refer to your policy for details.

Do you cover disability or injury due to surgery?

No. SRP insurance benefits are only paid out upon death of the insured.

Is there a waiting period?

Individual
There is no waiting period for the policy to be in force. Once your premium payment is received and the policy is signed, coverage is considered active for the surgical stay period.
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Group / Employer
The waiting period will align with your company's group benefits policy.

What if I don’t know my exact procedure name?

Contact Samos at support@samos.insure for help identifying your procedure.

What if I don’t know the exact date of my procedure?

If you do not know the exact date of your procedure, you can still get SRP insurance. Update your scheduling details any time as long as you inform us of your procedure date at least 48 hours before your admission date. Contact us.

Does Samos cover me internationally?

No. Samos currently provides insurance for procedures that take place in Canada.

How do I update or cancel my policy?

Email support@samos.insure to make any changes or cancel your existing policy.

Is there a deductible?

No, SRP does not have a deductible.

Do I need to add a beneficiary to my application / activation?

Yes. A beneficiary will receive the payout should a death occur. You will need to include the beneficiary’s full legal name and relationship to yourself to avoid confusion during the claim process.

Claims

How do I file a claim?

Email claims@samos.insure with the Insured’s details (name, surgery name and date, policy number if available). We’ll provide you with a list of required documents and guide you through the claims process from there.

How much time do I have to file a claim?

Beneficiaries or appointed individuals will need to provide various medical records within 30 days after the accidental death for review, processing, and benefits payout.

How long does it take for a claim to be paid?

Claims will be paid out as soon as they are approved. Samos is here to support you through this process, so if you have any questions or issues with payment of your claim, please reach out to us at claims@samos.insure.

Frequently Asked Questions

Samos

Policy

Claims