APA-Alberta Paramedic Association Insurance Program

Welcome to the APA Insurance Program from PROLINK

PROLINK-Canada’s Insurance Connection has partnered with the  Alberta Paramedic Association  to develop a comprehensive suite of insurance products specifically for members. With thirty years in the insurance industry, our experience is our advantage. The required Professional Liability as set forth by the Alberta College of Paramedics is automatically included in your Alberta Paramedic Association membership.

At PROLINK, we can help you feel confident that you have the right protection.

We believe in personal relationships.

We value knowing you, and taking the time to understand your unique situations, so that we can provide you with genuine advice and follow-through. Our named, dedicated advisors will take a holistic view of your lives and explain all of your coverages and potential exposures, so that you can make educated decisions.

We have over 30 years of experience.

As a result, we’ve seen insurance from every perspective. Wherever you’re coming from, and whatever you need, we’re your one-stop-insurance-shop. You can depend on us for the protection you require.

We represent a network of insurers.

We know their strengths, their weaknesses, how they’ll assess you as a risk, and how they’ll treat you in the event of a claim. Plus, as one of Canada’s largest national brokerages, we have the buying power and influence required to advocate for you and your needs with the various insurers.

We work for you, not the insurer.

As an independent insurance brokerage, we are not obligated to sell you on a particular insurer. Instead, we’ll evaluate the available offerings and the discounts you are eligible for, to bring you solutions to best fit your life.

Protection for My Business and Professional Life

Browse our professional insurance solutions tailored to the needs of Alberta's Paramedics.

  • Professional Liability Insurance

    Given the sensitive and unpredictable nature of paramedicine, mistakes can easily happen, especially in a situation where speed and efficiency can make the difference in saving someone’s life. Working in such a high stakes environment means that you could be susceptible to a potential lawsuit whether you are at fault or not.

    We can help. PROLINK has partnered with the Alberta Paramedic Association to protect you from the specific risks you face as a paramedic. Our Professional Liability Insurance program is included with the cost of your APA membership, meets all regulatory requirements set out by the HPA and the Alberta Paramedics College, and will protect you in the event of a claim alleging negligence, errors, omissions, or malpractice.

    Policy highlights include:

    • Funds for defence costs if you are accused of abuse and found not guilty;
    • Legal defence costs for any complaints filed against you to the College of Paramedics;
    • Provisions in the event of a breach of confidentiality;
    • And more!

    To obtain a membership with APA, please visit their website. Visit the APA website

    • FAQ

      • 1. I’ve purchased a membership through the Alberta Paramedics Association. Do I need to do anything else to obtain the Professional Liability Insurance?

        No. Your Professional Liability Insurance is included in your APA membership.

      • 2. Does the Professional Liability Insurance through APA meet the requirements as set forth by the Health Professions Act (HPA) and the Alberta College of Paramedics?

        Yes.

      • 3. Who handles the administration of the insurance program?

        Alberta Paramedic Association head office. They can be reached at info@albertaparamedics.ca

      • 4. Who do you contact should have a question on coverages or want to make a claim?

        Please contact PROLINK 1-800-663-6828 or APA@prolink.insure

      • 5. Is there a common expiry date for the Insurance?

        Coverage is available from the date of purchase and expires at the end of your APA membership period.

      • 6. The Professional Liability Protection starts at $5,000,000 in coverage. What will $5,000,000 pay for?

        We have all heard media reports of medical professionals or organizations being sued for damages to a victimized third party. Damages are typically only one part of the claim that would be paid out by an insurance policy. The majority of all claims paid out by a Professional Liability Policy are to cover the fees and legal expenses required to mount a legal defence. In most cases, damages are not even awarded to a victim, but lawyers will still require compensation. Currently, the average fee for a lawyer who specialized in medical malpractice insurance in Canada is $500-$700 per hour. The liability limit will pay for all reasonable and necessary costs, charges, fees, (including but not limited to legal fees) and expenses incurred over the course of an investigation, negotiation, arbitration and defence of any covered claim.

      • 7. What happens if I change jobs, work for more than one employer, volunteer elsewhere?

        As long as you are a member of APA and working in Canada, this coverage will cover you in all of these situations for your Paramedic services.

      • 8. Am I covered if a patient accuses me of abuse?

        Criminal acts such as molestation, harassment, corporal punishment, assault or battery or any form of sexual or physical abuse are not covered under this Professional Liability Protection policy. If however, you are successfully acquitted, received a “not guilty” verdict or the charges are withdrawn, this policy will reimburse you up to $50,000 for legal expenses incurred to defend you.

Protection for Me and My Personal Life

Your life is complicated. Selecting your insurance doesn’t have to be. Learn how we can help make your life simpler.

  • Health & Dental Insurance

    If you are an independent professional, you probably don’t have access to traditional employee benefits like Health, Dental, and Drug coverage. Yet, you’re still susceptible to the same health problems as anyone else.

    Unfortunately, expensive treatments, prescriptions, and high-cost dental work always seem to pop up when you’re least expecting them. And when these unpredictable events occur, they also come with a serious potential to derail your budget. But it doesn’t have to be that way.

    PROLINK can help. Our plans cover Health, Vision, Dental, and Drugs, and can get you access to 15 Paramedical services such as Massage, Chiropractic, Physiotherapy, and more. We will take the time to understand you, your needs, and your family, and offer you an affordable solution that fits your life, perfectly.

    To learn more, contact PROLINK today.

  • Life Insurance

    If something were to happen to you, could your family or loved ones recover financially without feeling a serious strain on their assets? A rich Life policy can help them get back on their feet, should something occur.

    So pass the pain over to us. At PROLINK, we will take the time to understand you, your needs and your family. Then, we will offer you a best-fit solution for you and those you care about that is affordable and offers the long-term protection you and they will require.

    Contact PROLINK to evaluate your options today!

  • Critical Illness Insurance

    Medicine has allowed people to live both through and with serious illnesses at higher survival rates than in the past. However, such sicknesses often come with many direct and indirect costs. Certain drugs and treatments are not covered by typical health plans, while some of the latest healthcare innovations are only available in the US. Indirect costs can encompass anything from travel expenses to child care, and more. Unfortunately, most people don’t intuitively know to account for these things.

    If you were to get seriously sick, Critical Illness coverage can provide you with a lump sum that you can leverage in whatever way best fits your needs. Once it’s been paid, there are no restrictions as to how you decide to spend it—whether that means hiring a nurse, making your home accessible, taking a vacation or even paying off a portion of your mortgage.

    PROLINK can help you access the best that medicine has to offer by providing you with a customized Critical Illness policy that is cost-effective and will give you the long-term financial flexibility you will require.

    Contact PROLINK to evaluate your options today!

  • Travel Medical Insurance

    When you plan a trip, you determine the things to pack, the sights you’ll see, and the budget for food and activities. You probably don’t consider the things that can go wrong, the process for finding help, and the unforeseen medical bills.

    And that’s normal. You work hard and deserve a worry-free vacation. Sadly, life doesn’t go on holiday. A health crisis can happen no matter where in the world you may be. To truly relax, you need to feel secure in knowing that you are protected if something were to happen to you or your loved ones during your time away.

    At PROLINK—Canada’s Insurance Connection we can help you access comprehensive Medical Travel coverage for your trip. Plus beyond simply covering emergency medical costs, we can also help you add lost baggage and trip cancellation endorsements to your policy.

    Be prepared for whatever happens, wherever it happens.

    Contact PROLINK to learn more today!

  • Pet Insurance

    If you’re like most pet owners, your pet is your constant companion. So when your little companion unavoidably gets sick, it can be very distressing emotionally. We can all agree that it’s hard to see your once-lively pet refuse to eat or struggle up the stairs.

    While the veterinarian can offer you hope to cure whatever’s ailing your pet, that cure often comes at a high cost. Many people either have to save up for a treatment, or put themselves in debt in order to afford these unexpected fees. Still, you want your pet to receive the best care available.

    Purchasing PetSecure insurance through PROLINK can help take away the financial burden of getting your pet the care that they require in times of need. For a small monthly rate, you can receive up to thousands of dollars in coverage for your pet’s accidents, illnesses, and dental care.

    Contact PROLINK to learn more today!

Caring Claims

Sometimes, stuff happens. In the event that you need to make a claim and the situation is urgent or an emergency, help is a phone call away!

Monday to Friday (8AM to 5PM)
 Contact PROLINK directly at 1 800 663 6828. We will take your claim, confirm your policy and report it to your insurer.

After Hours
 
Access our after-hours claims service, Kernaghan Insurance Adjusters at 1-800-387-5677, or call your insurer directly and they will loop us in.

Please reach out to PROLINK if you ever feel unsure. We’re here for you.

Speak to a Representative Today

To speak to a professional who can guide you to the right coverage from the right insurer at the right price contact us below:

1-800-663-6828

Personal InsuranceCommercial EnterpriseAssociations & Affinity GroupsLife & Benefits

Personal InsuranceCommercial EnterpriseAssociations & Affinity GroupsLife & Benefits

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