What remains mandatory
For new policies entered into on or after July 1, 2026, standard medical, rehabilitation and attendant-care benefits remain mandatory accident benefits.
What became optional
Other accident benefits—including income replacement, non-earner, caregiver, lost educational expenses, visitor expenses, housekeeping/home maintenance, damage to personal items, death and funeral benefits—became optional.
Existing policies do not simply lose every selected benefit at renewal
FSRA says existing policies generally renew with the same coverage and limits unless the insured and insurer agree in writing to decline or change the benefits.
Who optional benefits cover changed July 1
Newly optional benefits apply only to the named insured, the named insured's spouse, their dependants and persons specified on the policy as drivers.
Auto insurance became first payer for eligible accident medical/rehab expenses
Ontario changed priority so eligible auto-accident medical and rehabilitation expenses are paid by the auto policy before supplementary health plans.