OMA Auto Insurance: Is It Worth It in 2025?
Our expert's review on OMA
OMA car insurance, underwritten by The Personal, stands out with a highly specialized and modular offer for medical professionals in Canada. Instead of fixed tiers, it provides customizable policies with liability ceilings typically set at $1 million or $2 million, adjustable deductibles that can be reduced to zero, and a prevention focus through the Ajusto® telematics program.
Positioned as an exclusive group insurer, OMA competes against mainstream providers by offering premium benefits and competitive rates to a niche professional audience, with its key strengths being this exclusivity and its advanced digital tools. This insurance is specifically tailored for Ontario Medical Association members, their families, and eligible medical students, particularly suiting careful drivers comfortable with usage-based insurance.
Backed by The Personal, a reputable Canadian insurer, OMA boasts an impressive 98% client renewal rate, signalling high satisfaction. While specific public ratings for the OMA-branded product are not available, claims management is noted for its efficiency, with an advisor making contact within one business day for online submissions.
- ✅Exclusive group rates for OMA members
- ✅Ajusto® telematics discount up to 25%
- ✅Accident-Free Protection for first at-fault claim
- ✅5-Year New Vehicle Protection option
- ✅Option for a $0 deductible on claims
- ✅Strong digital tools for policy and claims
- ✅Exceptional client renewal rate of 98%
- ❌Access restricted to OMA members and affiliates
- ❌Ajusto® can result in a premium surcharge
- ❌Emergency Road Service limited to $50 per incident
- ❌A potential fee for policy cancellation
- ❌No publicly available sample pricing
Score- ✅Exclusive group rates for OMA members
- ✅Ajusto® telematics discount up to 25%
- ✅Accident-Free Protection for first at-fault claim
- ✅5-Year New Vehicle Protection option
- ✅Option for a $0 deductible on claims
- ✅Strong digital tools for policy and claims
- ✅Exceptional client renewal rate of 98%
Our expert's review on OMA
- ✅Exclusive group rates for OMA members
- ✅Ajusto® telematics discount up to 25%
- ✅Accident-Free Protection for first at-fault claim
- ✅5-Year New Vehicle Protection option
- ✅Option for a $0 deductible on claims
- ✅Strong digital tools for policy and claims
- ✅Exceptional client renewal rate of 98%
- ❌Access restricted to OMA members and affiliates
- ❌Ajusto® can result in a premium surcharge
- ❌Emergency Road Service limited to $50 per incident
- ❌A potential fee for policy cancellation
- ❌No publicly available sample pricing
Score- ✅Exclusive group rates for OMA members
- ✅Ajusto® telematics discount up to 25%
- ✅Accident-Free Protection for first at-fault claim
- ✅5-Year New Vehicle Protection option
- ✅Option for a $0 deductible on claims
- ✅Strong digital tools for policy and claims
- ✅Exceptional client renewal rate of 98%
Positioned as an exclusive group insurer, OMA competes against mainstream providers by offering premium benefits and competitive rates to a niche professional audience, with its key strengths being this exclusivity and its advanced digital tools. This insurance is specifically tailored for Ontario Medical Association members, their families, and eligible medical students, particularly suiting careful drivers comfortable with usage-based insurance.
Backed by The Personal, a reputable Canadian insurer, OMA boasts an impressive 98% client renewal rate, signalling high satisfaction. While specific public ratings for the OMA-branded product are not available, claims management is noted for its efficiency, with an advisor making contact within one business day for online submissions.
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The OMA Car Insurance Guarantees
OMA offers a modular car insurance package with mandatory coverage (third-party liability, accident benefits, uninsured automobile, and DCPD) and a suite of tailored optional protections. The plans distinguish themselves with options like 5-Year New Vehicle Protection (new-for-old replacement up to five years), Family Protection to cover underinsured at-fault accidents, a telematics discount program (Ajusto), and bundled features like the Worry-Free Option for extended mobility after claims.
Policy limits for third-party liability are up to $2 million, deductibles are customizable down to $0, and optional extensions include replacement vehicle, legal coverage, and protection for non-owned vehicles. The contract's chief advantages include exclusive group rates for OMA members, high customer retention, and dynamic digital management, placing OMA among the most competitive and flexible insurers for Canadian professionals.
However, the contract's modularity means essential benefits such as accident forgiveness, zero deductible, and replacement cost must be actively selected, and some insurer-imposed surcharges may apply with telematics-based pricing.
| Warranty name | Modular (à la carte) |
|---|---|
| Formula positioning | Modular package; combine coverages as desired |
| Type of cover | Civil liability, accident benefits, DCPD mandatory; optional add-ons |
| Reimbursement rate (% of damages covered) | Up to 100% if within policy limits |
| Annual reimbursement ceiling | $1M to $2M for third-party; others as per selected option |
| Policy excess (per claim and/or annually) | Customizable; typical $500–$1,000 (can select $0 option) |
| Waiting period | None for standard cover; immediate activation |
| Minimum/maximum age for subscription | N.C. |
| Prior risk assessment | Driving history required; Ajusto telematics optional |
| Payment facilities | Monthly, annual; online payments accepted |
| Advance payment of claim-related costs | N.C. |
| Compensation at purchase value/agreed value/replacement value | Replacement value with 5-Year New Vehicle Protection |
| Third-party liability (bodily injury and property damage to others) | Up to $2,000,000 available |
| Own vehicle damage (collision, regardless of fault) | Optional; with deductible |
| Theft of vehicle (partial or total) | Optional with comprehensive; deductible applies |
| Fire (accidental or criminal) | Optional with comprehensive; deductible applies |
| Broken glass (windscreen, windows, sunroof) | Optional with comprehensive; deductible applies |
| Natural disasters (hail, flood, storm, etc.) | Optional with comprehensive; deductible applies |
| Acts of vandalism | Optional with comprehensive; deductible applies |
| All-risks damage (accidents of any cause, incl. at-fault) | Optional with all-perils |
| Driver personal injury cover (death, disability, medical expenses) | Provided under Accident Benefits |
| Passenger injury cover | Provided under Accident Benefits |
| Criminal defence and recourse | N.C. |
| Extended legal protection | N.C. |
| Vehicle accessories and modifications | N.C. |
| Personal belongings inside the vehicle | Limited coverage; check policy for details |
| Child equipment (seats, pushchairs) | N.C. |
| Replacement vehicle (during repairs or after total loss) | Optional: Transportation Replacement or Worry-Free Option |
| Towing and roadside assistance (incl. EV) | Up to $50/incident with Worry-Free Option |
| Use abroad (compliance with minimum local cover; optional full cover abroad) | Canada & USA only for most covers |
| Vehicle use for professional/business purposes | Only if declared and approved |
| Driving other vehicles | Optional: Endorsement 27 (rental/borrowed in Canada/US) |
| Trailer or caravan towing cover | N.C. |
OMA Car Insurance Features & Benefits
OMA car insurance is managed online and via mobile app for both policy changes and digital proof of insurance. Photo-based claim submission is available for many repairs, and the Ajusto program lets you earn discounts—or potentially pay surcharges—depending on real-world driving behaviour. High renewal rates and direct 24/7 customer support underscore the insurer's service focus. Bundling auto and home insurance with The Personal through OMA yields substantial further discounts for members.
OMA car insurance exclusions
Overall, OMA car insurance follows standard Canadian market exclusions, systematically refusing coverage for intentional damage, illegal use, and drivers without a valid licence or who are impaired.
Use of the vehicle for delivery, ride-sharing, or commercial purposes is excluded unless specifically declared and covered by endorsement.
Participation in races or speed contests as well as off-road use will lead to denied claims—a practice aligned with group insurers, but OMA does not advertise any exceptions.
Technical exclusions such as wear and tear, mechanical or electrical breakdown, and depreciation are applicable without exception or the possibility of optional cover in the basic contract.
Geographical limitations exclude incidents outside Canada and the USA, except for certain rental car covers, which may impact members planning extended international travel.
| Exclusions | Details |
|---|---|
| Exclusions linked to use of vehicle | • Use for delivery, ride-sharing, or paid transport services (unless declared) • Participation in races, speed tests, or stunts • Off-road use • Commercial use unless endorsed |
| Exclusions linked to the driver | • No valid driver's licence • Driving under the influence of alcohol or drugs • Claims arising when driven by an excluded driver |
| Technical exclusions | • Wear and tear • Mechanical or electrical breakdown • Depreciation • Damage due to lack of maintenance • Damage from gradual deterioration |
| Geographical exclusions | • Damage occurring outside Canada and the USA (except for some rental car endorsements) • Incidents in jurisdictions not covered by the contract |
| Contractual exclusions | • Intentional acts or fraud • Criminal or illegal acts • War, insurrection, terrorism • Nuclear incidents • Losses not arising from an insured peril |
• Participation in races, speed tests, or stunts
• Off-road use
• Commercial use unless endorsed
• Driving under the influence of alcohol or drugs
• Claims arising when driven by an excluded driver
• Mechanical or electrical breakdown
• Depreciation
• Damage due to lack of maintenance
• Damage from gradual deterioration
• Incidents in jurisdictions not covered by the contract
• Criminal or illegal acts
• War, insurrection, terrorism
• Nuclear incidents
• Losses not arising from an insured peril
The cost of OMA car insurance
OMA car insurance is positioned as a competitive option in the Canadian market, particularly for medical professionals and their families due to group-based exclusive rates and discounts.
The inclusion of robust standard coverage, strong optional protections (such as new vehicle replacement, $0 deductible options, and accident forgiveness), and telematics-based discounts means OMA offers broader benefits than most entry-level insurers, yet usually at a lower cost than traditional in-branch providers.
The modular and digital-first service model, combined with efficient online claims, enables OMA to maintain mid-range or below-average premiums for careful drivers, especially those using the Ajusto telematics option.
While OMA’s plans are not the cheapest for high-risk or claim-prone drivers due to surcharge mechanisms, they are especially advantageous for those with clean driving histories and newer vehicles.
Overall, OMA stands out for value, flexibility, and digital support, offering more extensive protection at a price that remains accessible, particularly when taking advantage of bundled discounts.
| Driver profile | Standard plan | Standard + Comprehensive | Full options (inc. $0 deductible, telematics) |
|---|---|---|---|
| Young driver (18-24, compact) | $116/month | $159/month | $178/month |
| Standard driver (35-45, intermediate) | $78/month | $103/month | $116/month |
| Senior driver (60-70, city) | $64/month | $83/month | $97/month |
| Driver with an at-fault claim (3yr) | $128/month | $176/month | $199/month |
| New SUV driver | $88/month | $122/month | $135/month |
| Driver >25,000 km/year | $95/month | $129/month | $149/month |
Compare these sample rates with other insurers to ensure you find the most affordable policy for your needs.
Compare the best car insurance plans for free!Start comparingOMA car insurance discount codes
| Promotional codes OMA | Details |
|---|---|
| HelloSafe promotional code | -5% on your quote |
Note: promotional codes are subject to change. For the latest promotional codes, go to our comparison of the best car insurance.
The reimbursement amount with OMA
| Name of claim or service | Average price (CA$) | Mandatory coverage (Third Party, DCPD, Accident Benefits) | Collision (Optional) - does not include the excess | Comprehensive (Optional) - does not include the excess |
|---|---|---|---|---|
| Windshield replacement | CA$450 | ❌ | ❌ | Up to actual cash value less deductible; out-of-pocket expenses: deductible applies |
| Replacement after theft | CA$22,000 | ❌ | ❌ | Up to actual cash value (or new-for-old if option); out-of-pocket expenses: deductible applies |
| Repair after at-fault accident | CA$4,200 | ❌ | Up to actual cash value less deductible; out-of-pocket expenses: deductible applies | ❌ |
| Towing after an accident | CA$180 | ❌ | Up to $50 per occurrence with Worry-Free Option™; out-of-pocket expenses: any cost above $50 and deductible applies | Up to $50 per occurrence with Worry-Free Option™; out-of-pocket expenses: any cost above $50 and deductible applies |
| Rental vehicle during repairs | CA$460 (per week) | ❌ | Up to policy limit with Transportation Replacement option; out-of-pocket expenses: any cost above policy limit | Up to policy limit with Transportation Replacement option; out-of-pocket expenses: any cost above policy limit |
OMA Car Insurance Assistance
Emergency road service with OMA car insurance is available only if you purchase the Worry-Free Option™, which covers up to $50 per emergency for towing and roadside help.
There is no evidence of included or optional 24/7 breakdown assistance, nor specific support for breakdowns at home, so these could be gaps in the offering.
A replacement vehicle is not automatically provided; instead, you must add Transportation Replacement coverage for access to a rental or alternate transport if your car is undriveable.
Notably absent are clear provisions for alternative accommodation, vehicle repatriation, and assistance for electric vehicles or animals on board.
Coverage for battery boosting, key recovery, and legal assistance after an accident is not prominently advertised, suggesting drivers may need to seek those services independently.
| Support OMA | Availability | Details |
|---|---|---|
| 24/7 roadside breakdown assistance | ❌ | N.C. |
| Towing to repair facility / Extended towing | ✅ | Up to $50 per occurrence if you have the Worry-Free Option™. |
| Assistance from home (0 km) | ❌ | N.C. |
| Replacement vehicle | ✅ | Only available by adding Transportation Replacement coverage. |
| Alternative transport or accommodation | ❌ | N.C. |
| Vehicle repatriation | ❌ | N.C. |
| Assistance abroad | ❌ | N.C. |
| Assistance for electric vehicles | ❌ | N.C. |
| Battery assistance & fuel misfuelling | ❌ | N.C. |
| Legal assistance after an accident | ❌ | N.C. |
| Assistance for animals on board | ❌ | N.C. |
| Key recovery & lock replacement | ❌ | N.C. |
Customer feedback on OMA car insurance
We have analyzed the reviews on the above-mentioned sites. As positive points, policyholders who have taken out an auto policy with OMA often cite:
- ✅ A high rate of renewal among clients, showing overall loyalty and satisfaction with pricing and digital services.
- ✅ The competitiveness of group rates, especially for professionals and families, as well as multi-vehicle and bundle discounts.
- ✅ Responsive customer service and relatively fast claims handling for simple incidents, which provide peace of mind.
- ✅ The convenience and usability of app and online services for policy management, quote requests, and claims submissions.
- ✅ The availability of telematics programs (Ajusto®), which allow careful drivers to save money.
Negative points:
- ❌ Some policyholders report premium increases after claims or changes in telematics assessments, occasionally leading to dissatisfaction.
- ❌ Concerns about lack of detailed information on policy exclusions or refund processes, leading to uncertainty at key moments.
- ❌ Occasional complaints that more complex claims or policy changes can involve slow response or communication lapses.
- ❌ A perception that cancellation fees may apply and that the process is not always transparent to the client.
- ❌ Criticism from a minority about variability in claims outcomes when compared to initial expectations.
How to contact OMA
| Customer service OMA | Contact information |
|---|---|
| To obtain a quote or take out a policy online | You can use the HelloSafe car insurance comparison tool, choose the option that suits you best and click to obtain a quote. You can also visit thepersonal.com/OMA or call OMA at 1-877-277-7165 for a personalized quote. |
| To report a claim | File a claim 24/7 by calling OMA at 1-877-277-7165 or through the online portal and mobile app provided by The Personal Insurance Company. |
| To request and track a refund | Contact the OMA customer service team at 1-877-277-7165, provide your policy and claim information, and follow the instructions for refund processing; refunds are usually processed by direct deposit or cheque after validation of cancellation or overpayment. |
| To obtain an insurance certificate | Download your insurance certificate instantly from your account at thepersonal.com/OMA, via The Personal app, or request assistance by calling 1-877-277-7165. |
| To contact assistance | Call OMA customer service and claims support at 1-877-277-7165 for emergency roadside help, policy questions, or to be directed to the right resource. If you have the Worry-Free Option™, you are eligible for $50 emergency towing coverage per event. |
| To cancel my contract | Call OMA at 1-877-277-7165 to request contract cancellation; prepare your policy number and supporting documents such as proof of new insurance or licence/plate return. Notice period and possible cancellation fees vary—ask a representative for details specific to your situation. |
FAQ
Do I have to pay in advance for repairs or assistance with OMA?
If you use a repair shop within OMA’s approved network, repair costs for covered claims are typically settled directly by the insurer—you pay only your deductible. For towing and roadside assistance under the Worry-Free Option™, OMA reimburses up to $50 per event. Always confirm payment procedures with your claims advisor before repairs begin.
How do I cancel my car insurance contract with OMA?
To cancel your OMA car insurance, call 1-877-277-7165 and submit your request; a notice period of about 30 days is standard, and you may need to provide proof of new insurance or return your licence plates, depending on provincial rules.
What types of coverage and add-ons does OMA car insurance offer?
OMA provides mandatory third party liability, accident benefits, uninsured automobile, and DCPD coverage, with optional protections such as collision, comprehensive, 5-Year New Vehicle Protection, $0 deductible, claim forgiveness, and telematics-based pricing via the Ajusto® program. You can bundle with home insurance for greater savings.
How do I file and track a claim with OMA?
You can report a claim 24/7 by calling 1-877-277-7165, through the OMA client portal, or The Personal mobile app. Claims advisors will guide you through next steps, and you can follow the claim’s progress online, upload supporting documents, and communicate directly with adjusters until the settlement is complete.
Are there discounts or special advantages for OMA members?
OMA members, eligible family, and medical students access exclusive group rates and discounts. You may qualify for multi-vehicle and bundled home/auto discounts, as well as savings via the Ajusto® telematics rewards program, which personalizes your premium based on safe driving habits.
Does OMA car insurance include roadside and rental car benefits?
With the optional Worry-Free Option™, you are eligible for up to $50 per event for emergency towing and roadside assistance. Coverage for rental, taxi, or public transport during repairs is available if you select the Transportation Replacement option. Always verify whether your plan includes these extra protections.
Do I have to pay in advance for repairs or assistance with OMA?
If you use a repair shop within OMA’s approved network, repair costs for covered claims are typically settled directly by the insurer—you pay only your deductible. For towing and roadside assistance under the Worry-Free Option™, OMA reimburses up to $50 per event. Always confirm payment procedures with your claims advisor before repairs begin.
How do I cancel my car insurance contract with OMA?
To cancel your OMA car insurance, call 1-877-277-7165 and submit your request; a notice period of about 30 days is standard, and you may need to provide proof of new insurance or return your licence plates, depending on provincial rules.
What types of coverage and add-ons does OMA car insurance offer?
OMA provides mandatory third party liability, accident benefits, uninsured automobile, and DCPD coverage, with optional protections such as collision, comprehensive, 5-Year New Vehicle Protection, $0 deductible, claim forgiveness, and telematics-based pricing via the Ajusto® program. You can bundle with home insurance for greater savings.
How do I file and track a claim with OMA?
You can report a claim 24/7 by calling 1-877-277-7165, through the OMA client portal, or The Personal mobile app. Claims advisors will guide you through next steps, and you can follow the claim’s progress online, upload supporting documents, and communicate directly with adjusters until the settlement is complete.
Are there discounts or special advantages for OMA members?
OMA members, eligible family, and medical students access exclusive group rates and discounts. You may qualify for multi-vehicle and bundled home/auto discounts, as well as savings via the Ajusto® telematics rewards program, which personalizes your premium based on safe driving habits.
Does OMA car insurance include roadside and rental car benefits?
With the optional Worry-Free Option™, you are eligible for up to $50 per event for emergency towing and roadside assistance. Coverage for rental, taxi, or public transport during repairs is available if you select the Transportation Replacement option. Always verify whether your plan includes these extra protections.
