The Co-operators: Member Benefits Program

Exclusive insurance coverage and savings

APAS is proud to be a member organization of The Co-operators, and is pleased to give the ratepayers of APAS member RMs access to exclusive insurance coverage and savings including:

Enhanced Home Insurance Coverage – Additional coverage is provided at a reduced cost through free or discounted endorsements. For example, the Claims Forgiveness for Members is a free endorsement automatically added to all eligible Home policies and gives you peace of mind knowing in the event you need to make a claim with us, your first claim will have no impact to your premium or insurability.

Home and Farm Member Discount* – Benefit from a 5% base rate discount on eligible Farm and Home policies.

Enhanced Farm Insurance Coverage – The Member Program Enhanced Endorsement gives you up to 30 additional coverages and increased policy limits. This additional protection is valued at $300 but is available for approximately $50. The Better Limits for Members endorsement is also available.  

Savings on Travel Insurance** – Benefit from a rate of 10% less than the regular rate on Travel insurance. Coverage is available worldwide 24 hours a day, 365 days a year, up to age 89.

EDGE Disability Insurance - For as little as $2/day, you can have 24/7 protection that replaces a portion of your income in the event of an injury, as well as additional lump sum tax-free fracture and accidental death & dismemberment benefits.

EDGE Health and Dental Insurance – Receive reimbursement for standard health-maintenance products and services. Receive a multi-product discount when combining this coverage with the EDGE Disability package that is exclusive to APAS members, or with other coverage from the EDGE.

Ratepayers in APAS member RMs have access to all of these exclusive coverages and discounts – and they are not available to the general public. To learn more, contact a Co-operators Financial Advisor today and identify yourself as a member of APAS.

The Co-operators has offered insurance plans to Canadian organizations for more than 70 years and is a leading Canadian owned, multi-product insurance company. Their commitment to personalized service, together with the most recognized insurance brand in Canada, makes The Co-operators a clear choice for our members’ insurance needs.


*Discounts, coverages and eligibility vary by province. Not all products available in all provinces.

**Travel insurance does not cover everything. Please refer to the certificate for full terms and conditions including limitations and exclusions. Travel insurance is underwritten by CUMIS General Insurance Company, a member company of The Co-operators Group Limited, and is administered by Allianz Global Assistance, which is a registered business name of AZGA Service Canada Inc. and AZGA Insurance Agency Canada Ltd.

Subscribe to the APAS Newsletter

Co-Operators Logo FCC Logo CFA Logo

© 2020 APAS - All Rights Reserved


Terms of Use


Privacy Policy




Site Map