COSA Membership Benefits

COSA Benefits Summary


COSA Membership is a free lifetime membership. By joining COSA, you will receive Liability Insurance, Members Liability Insurance, Fire and Transportation Insurance and Supplemental Disability Insurance.

Download COSA Membership Form

Available to all Standardbred Owners, Drivers and Trainers at WEG Facilities and other licensed Ontario Racetracks. The limits of the policy are two million ($2,000,000) per occurrence.
It covers all Standardbred Owners, Drivers and Trainers with additional Fire and Transportation Insurance while transporting a horse to and from an Ontario racetrack where the horse is entered to race or qualify.
COSA provides a Benefit program to its members. To be eligible to enrol in the COSA Benefits Program, you MUST have the following:

  • Trainers and Drivers with a minimum of 24 starts at either of the WEG tracks in the prior calendar year;
  • Owners with a minimum of 12 starts at either of the WEG tracks in the prior calendar year;
  • Caretakers who are employed full-time by a trainer with a minimum of 24 starts at either of the WEG tracks in the prior calendar year.

You MUST also have:

  • Ontario address
  • OHIP card
  • Valid Standardbred Canada license
  • Valid AGCO license

Benefit coverage and Out-of-Country Coverage are available only to those enrolled in the Benefits Program.



COSA Membership Benefits


COSA Membership FAQ’s



  • Connector.

    How much does a COSA membership cost?

    COSA membership is free to eligible horsepeople. Organizational and membership costs are funded through COSA’s share of handle revenue at Woodbine and Mohawk Racetracks.

  • Connector.

    What do I need in order to enrol in the Benefits Program?

    Caretakers must reside in Ontario, have a valid OHIP card, a valid AGCO and SC license and provide a copy of a T-4, pay cheque, or pay stub from your current employer who must have a minimum of 24 starts at either of the two WEG tracks in the prior calendar year. Owners must reside in Ontario, have a valid OHIP card, a valid AGCO and SC license and have a minimum of 12 starts as an owner at either of the two WEG tracks in the prior calendar year. Trainers and Drivers must reside in Ontario, have a valid OHIP card, a valid AGCO and SC license and have a minimum of 24 starts as a trainer or driver at either of the two WEG tracks in the prior calendar year.

  • Connector.

    How do I enrol in the Benefits Program?

    You can either visit the COSA office and fill out the forms, or download from this page and drop them at our office.

  • Connector.

    Do I send the forms, once completed, to MDM Insurance or to the COSA office?

    You will need to send all of the completed forms by mail or drop them off at the COSA office.  Original copies must be received at the COSA office. Do not send them directly to MDM.

  • Connector.

    How long is the waiting period before I can start using my Benefits?

    It usually takes 7-10 days to receive your enrolment package in the mail. Once you have received a confirmation letter from MDM Insurance Group, you can start using your medical benefits immediately. There is a one month waiting period for dental benefits.

  • Connector.

    How do I apply for Benefits if I have been involved in an accident?

    Contact Denise Kunz at Standardbred Canada (905) 858-3060 [ext. 240] and she will start the claim process. Once you have received your first disability cheque, fax, mail or deliver in person a copy of such and COSA will then top up the amount received from Great West Life by an extra 50%.

  • Connector.

    How can I enrol in the Ontario Standardbred Horsepeople's RRSP?

    Any Ontario Standardbred Horseperson who is eligible can enrol in the RRSP. See here for details and forms.