Auto, home, life, travel and other insurance types explained for Canadians.
Compare insurance policies by what they cover, what they exclude and what you would pay when making a claim. A lower premium does not necessarily mean equivalent protection.
Allianz Global Assistance Canada
Reimburses emergency medical and dental costs and necessary transportation while travelling outside the home province or territory. It suits frequent travellers aged 64 or younger at purchase; each trip is subject to the selected 10- or 30-day limit.
The Co-operators
Auto insurance covers personal cars, trucks and vans used for everyday activities, including commuting. It also accommodates business owners using personal vehicles for commuting; ridesharing and food delivery coverage described on the page applies while offline, and varies across Canada.
Wawanesa Insurance (Canada)
Auto insurance combines mandatory coverage with optional coverage customized to drivers’ needs. It suits private passenger vehicle owners, but every province has its own regulations and regional coverage options must be reviewed.
Manitoba Public Insurance
Autopac Basic includes personal injury, all-perils and third-party liability insurance. A valid registration and Autopac insurance are required to operate a vehicle on Manitoba roadways.
Manitoba Public Insurance
Autopac Options enhance Basic coverage through additional insurance choices. Drivers can increase liability limits, reduce deductibles or obtain protection for rental vehicles, new or leased vehicles and high-end vehicles.
ICBC
Basic Autoplan is mandatory vehicle insurance in British Columbia and includes Enhanced Accident Benefits and Basic Vehicle Damage Coverage. Basic Vehicle Damage Coverage applies when the other driver is responsible; repairs when you are responsible require optional Collision coverage.
SGI
Basic minimum coverage is compulsory Saskatchewan auto insurance provided by SGI and purchased with licence plates and vehicle registration. It includes collision and comprehensive damage, personal injury and liability; vehicle damage coverage is subject to a deductible.
Apollo Insurance
Business Insurance offers professional liability, general liability and contents protection designed for businesses and business professionals. APOLLO states that it partners with Gallagher to provide this insurance, and coverage is designed for the customer’s profession.
Canada Life
Provides a tax-free death benefit to help beneficiaries meet large expenses or keep a business running. It suits people seeking flexible temporary protection; premiums remain level for the initial term if the policy is unchanged, then increase on annual renewal until coverage ends near age 85.
Intact Insurance
Car insurance provides protection based on your vehicle and driving habits. Drivers can personalize their premium with myDrive and access helpful features and tips in the app.
Sonnet Insurance
Car insurance offers protection against vehicle repair or replacement costs and responsibility for damage or injuries caused to others while driving. Drivers can customize and buy their policy online in Ontario, Quebec, New Brunswick, Nova Scotia and P.E.I.
RBC Insurance
Car insurance provides financial protection and assistance getting back on the road when something happens to your car. It suits drivers and can be bundled with insurance for a primary home, condo or rental residence; covered repairs have a lifetime guarantee when completed within the preferred vendor network.
belairdirect
Car insurance helps drivers stay protected on the road. The quote page specifically lists car insurance in Alberta, Quebec and Ontario.
TD Insurance
Car Insurance provides coverage for people who finance, own or lease their car. The official page presents this product within its Ontario insurance offerings.
ICBC
Collision covers vehicle repair and replacement costs, even when you are at fault. It is optional coverage offered in addition to mandatory Basic Autoplan.
Aviva Canada
Commercial Auto provides insurance solutions for business vehicles. It serves fleets, individually rated commercial automobiles and garages, with policies crafted for business needs.
Economical/Definity
Commercial Auto & Fleet offers protection for the vehicles that drive a business. It forms part of a business insurance range designed around how the business operates and changing needs.
Manitoba Public Insurance
Commercial Coverage provides insurance for specialized risks through Special Risk Extension products. It is intended for risks such as large commercial trucking fleets and garages.
Intact Insurance
Commercial Vehicle Insurance protects vehicles used to drive a business, including one or multiple cars, fleets and trucks. Businesses can choose their level of coverage, including collision or upset and protection against other perils.
ICBC
Comprehensive provides protection against non-collision damage to a vehicle. It is an optional product offered in addition to mandatory Basic Autoplan.
Square One Insurance
Condo policies address the insurance needs of condo owners, including personal property and improvements to the unit. The page also identifies damage to other units as a protection need specific to condo ownership.
Intact Insurance
Condo insurance protects the unit you own against unforeseen damage. It is designed for condo owners, with additional coverage available to tailor protection.
Aviva Canada
Condo insurance covers unit contents, upgrades and personal liability for condo owners. Optional add-ons are available, but availability varies by province.
The Co-operators
Condo insurance protects personal items, liability and upgrades inside an owned condo unit. It can also cover a portion of the condo corporation’s deductible up to $25,000 for an insured loss; Quebec clients are directed to separate coverage details.
TD Insurance
Condo Insurance offers coverage for condo owners. It appears in the Ontario product range, and condo coverage can be combined with car insurance.
belairdirect
Condo owner’s insurance protects your unit and lifestyle. It is designed specifically for condo owners, with online quotes available through belairdirect.
CAA Insurance (Ontario/South Central Ontario)
Condominium Insurance protects personal belongings, suite upgrades and the family’s legal liability to others and their property. It suits condo owners because the condo corporation’s insurance does not cover personal belongings or suite upgrades.
Manulife
Provides a tax-free lump sum following diagnosis of one of five covered critical illnesses and satisfaction of applicable waiting requirements. It suits people seeking simple financial protection during serious illness; heart attack, stroke, coronary artery bypass surgery and aortic surgery have a 30-day waiting period.
PolicyMe
Provides a lump-sum payout for covered serious illnesses and selected early-stage conditions, usable for lost income or out-of-pocket costs. It suits people wanting financial support during recovery; most, but not all, covered conditions have no waiting period.
Canada Life
Provides a one-time tax-free payment following diagnosis of a serious condition covered by the contract. It suits people wanting money for recovery costs and expenses not covered by healthcare plans; the contract defines which conditions qualify.
Desjardins Insurance
Provides a tax-free payment following a covered diagnosis to help pay medical expenses, unexpected costs or help at home. It suits people seeking financial support during serious illness; the diagnosis must meet the definition in the policy.
BMO Insurance
Provides a lump sum following a covered critical illness to help with medical costs, home care or other recovery expenses. It suits people seeking support beyond provincial healthcare; the insured must satisfy the applicable survival period before payment.
Beneva
Provides money that can be used for bills, home care or specialized equipment following a covered critical illness. It suits self-employed people and people supplementing group insurance; the range of illnesses covered depends on the selected option.
Square One Insurance
Detached house policies protect a house and personal property. They suit homeowners seeking a policy personalized to their needs.
Desjardins Insurance
Replaces a portion of income with monthly benefits when an accident or illness prevents work. It suits employees and self-employed people, including those topping up other benefits; benefit amounts depend on income and job type.
Manulife
Offers flexible health and dental coverage tailored to individual needs. It suits people seeking portable coverage, which can be kept through a job change or change in health; additional coverage is available for people aged 65 and older.
Manulife
Offers health and dental protection when employee health benefits end. It suits people leaving workplace benefits, with guaranteed acceptance plans and emergency medical travel coverage of 15 to 30 days available.
Pacific Blue Cross
Continues individual health and dental protection after employer coverage ends, including pre-existing conditions without a medical questionnaire. It suits retiring workers, people leaving jobs and dependants losing eligibility; transfer must occur within 60 days after at least six months under a recognized Canadian group benefits plan.
Pacific Blue Cross
Provides streamlined personal health coverage that includes existing health conditions. It suits people seeking coverage without medical screening; most, rather than all, benefits have no waiting period.
PolicyMe
Provides coverage for prescriptions, dental care, vision and paramedical services beyond provincial coverage. It suits individuals and families seeking supplemental benefits; the offering addresses expenses that provincial plans do not include.
Pacific Blue Cross
Offers individual health and dental protection with coverage options for practitioners, prescription drugs and vision care. It suits people between jobs, self-employed people and people losing group coverage; fertility treatment and adoption coverage are available as options.
Full details for Health and Dental (opens in new tab)Sonnet Insurance
Home insurance protects your house, belongings and personal liability. It suits homeowners buying online in the listed provinces; policies have exclusions and limits that should be reviewed.
RBC Insurance
Home insurance offers coverage to protect you, your property and your belongings from unexpected events. It provides options for homeowners, condo owners and tenants, and increasing deductibles can reduce premiums.
Desjardins
Home insurance protects a home and belongings against common losses such as fire, theft and water damage. It suits homeowners, with optional coverage available for different types of water damage and online purchase available if eligible.
TD Insurance
Home insurance protects homeowners against common causes of loss or damage. The Million Dollar Solution combines coverage for the home, belongings and additional living expenses in one overall amount; the repair warranty applies when using the insurer’s vendor network.
Economical/Definity
Home Insurance offers protection for your property, belongings, additional living expenses and damages to others. It suits people who own or rent their home, with a broker available to explain coverage and discounts.
The Co-operators
Home-based business insurance covers equipment and goods used while running a business. It is intended for people operating a business from their home.
The Co-operators
Homeowner insurance provides protection for people who own a house, duplex or freehold townhouse. The home insurance page describes personal items and liability coverage, with additional sustainable add-ons available.
belairdirect
Homeowner’s insurance provides coverage for the roof over your head. It is intended for homeowners, and home and auto coverage can be combined to save time and money.
CAA Insurance (Ontario/South Central Ontario)
Homeowner’s Insurance covers the house, outbuildings, personal belongings and liability if someone is injured on the property. It is described for Ontario homeowners and may cover extra living expenses when the house is uninhabitable due to a covered loss.
Intact Insurance
House insurance protects your home and provides personal liability protection for unexpected insured events. It suits homeowners; additional coverage is available to tailor protection to the home.
Manulife
Provides a tax-free lump-sum death benefit for beneficiaries, suited to people starting a family, buying a home or topping up existing protection. Rates stay the same for each 10-year term, and renewal is available up to age 85 without new medical questions.
Desjardins Insurance
Provides lifelong protection and a tax-free death benefit for final expenses, inheritance or charitable giving. It suits people seeking lasting financial support for loved ones; coverage continues as long as premiums are paid.
Beneva
Provides permanent life insurance as an option for protecting family finances and covering final expenses. It suits people seeking permanent rather than term protection; term and permanent coverage can be combined for a tailored solution.
Full details for Permanent Life Insurance (opens in new tab)Sun Life
Helps cover eligible prescription drugs, dental care, vision care and other healthcare expenses not fully covered by government or workplace plans. It suits self-employed people, people without workplace benefits and retirees; coverage depends on the Basic, Standard or Enhanced plan selected.
Desjardins Insurance
Helps pay everyday and unexpected healthcare expenses, with dental options and professional healthcare services. It suits self-employed or part-time workers and people without group insurance; included benefits and reimbursement vary between the Basic and Enhanced plans and selected add-ons.
Aviva Canada
Property and Casualty insurance offers solutions to protect small, mid-size and complex businesses. Coverages are offered individually or as part of a package solution.
Intact Insurance
Property insurance protects physical business assets against loss or damage such as fire, theft and vandalism. It suits businesses that own an office, lease a workspace or work from home.
RBC Insurance
Provides a one-time lump sum that can be used for lost income, debt, bills or recovery costs. It suits people wanting flexibility during serious illness; early assistance applies only to qualifying covered conditions.
RBC Insurance
Offers temporary life insurance protection for short-term needs with a route to lifetime coverage. It suits people seeking a quick online application; conversion to permanent insurance without medical proof is available until age 71.
Petsecure
Covers unexpected accidents and illnesses for dogs and cats, including hospital stays, surgery, diagnostics, medications and dental care. It suits pet owners seeking a defined level of veterinary protection; accident and condition limits apply, and wellness coverage is not included.
Petsecure
Covers unexpected accidents and illnesses for dogs and cats, including hospital stays, surgery, diagnostics, medications and dental care. It suits pet owners seeking a defined level of veterinary protection; accident and condition limits apply, and wellness coverage is not included.
Petsecure
Covers unexpected accidents and illnesses for dogs and cats, including hospital stays, surgery, diagnostics, medications and dental care. It suits pet owners seeking a defined level of veterinary protection; accident and condition limits apply, and wellness coverage is not included.
Petsecure
Covers unexpected accidents and illnesses for dogs and cats, including hospital stays, surgery, diagnostics, medications and dental care. It suits pet owners seeking higher protection without per-accident or per-condition payout limits; dental care still has an annual limit.
Wawanesa Insurance (Canada)
Small business insurance packages cover building and business contents, loss of income, liability and other business risks. Packages are tailored to sectors such as contractors, professional services and retailers, with additional coverage upgrades available.
Economical/Definity
Small Business Packages provide business insurance tailored for simplicity and value. The business insurance range protects people, property and operations against risks including unexpected damage and legal claims, with coverage built around business needs.
Sun Life
Provides comprehensive critical illness protection for adults and children, including full and partial payouts for specified illnesses. It suits people seeking higher coverage amounts; an application may require a medical exam.
Allianz Global Assistance Canada
Provides emergency hospital and medical protection designed for Super Visa applicants. It suits people seeking a plan meeting Super Visa requirements; the published comparison does not include accidental death and dismemberment coverage for this plan.
TD Insurance
Provides a tax-free lump sum following an approved claim for life-threatening cancer, heart attack or stroke. It suits people seeking financial support during recovery; applicants must be Canadian citizens aged 18 to 54 and meet the stated medical-history requirements.
TD Insurance
Offers emergency travel medical protection for travellers taking more than one trip per year. It suits frequent travellers who only want medical coverage; each trip is limited to the number of days included in the chosen plan.
TD Insurance
Offers emergency travel medical protection for one trip. It suits travellers who only want medical coverage; this plan is designed for a single trip rather than repeated trips during a year.
TD Insurance
Offers financial protection when an eligible unexpected event causes a trip to be cancelled or interrupted. It suits travellers seeking cancellation and interruption protection; only eligible unexpected events qualify.
Full details for TD Insurance Trip Cancellation & Interruption Plan (opens in new tab)TD Insurance
Offers lifetime life insurance coverage to help financially protect beneficiaries. It suits people seeking a lifetime option rather than a 10-, 20- or 30-year term; applicants must meet applicable age and citizenship or residency requirements.
TD Insurance
Pays a tax-free death benefit to beneficiaries if the insured dies while the policy is active. It suits young adults, growing families, parents and homeowners; applicants must meet the applicable citizenship or residency and age requirements.
Intact Insurance
Tenant insurance protects renters’ belongings in case of fire, theft or damage. It suits tenants because the landlord’s insurance does not protect their belongings.
Aviva Canada
Tenant insurance protects renters’ belongings and includes personal liability and living expenses when moving out during a covered claim. Optional add-ons vary by province.
Sonnet Insurance
Tenant insurance protects renters’ personal belongings, personal liability and additional living expenses if they cannot live in their rental unit. It suits people renting or leasing their home because the landlord’s policy does not provide their contents or liability protection.
The Co-operators
Tenant insurance protects items inside a rented unit, such as computers or bikes. It suits renters, and the home insurance page also describes liability protection.
Wawanesa Insurance (Canada)
Tenant insurance covers belongings and includes liability protection for people renting a house, apartment or condominium. The comprehensive plan works on an all-risk basis with exclusions, and tenant improvements and damage to dwelling are optional.
RBC Insurance
Tenant insurance protects belongings, additional living expenses and liability for people renting an apartment, house or condo unit. It covers a wide range of risks, but certain personal belongings have special limits.
Square One Insurance
Tenant insurance provides renters with personalized protection for the things they choose to insure. Customers can choose coverage and deductible options, and manage quotes, policies and claims online.
Apollo Insurance
Tenant insurance protects renters’ personal property, personal liability and additional living expenses after a covered event. It suits people renting apartments, condos or houses, while landlord insurance covers the building itself.
CAA Insurance (Ontario/South Central Ontario)
Tenant Insurance protects personal belongings and liability for people renting their home in Ontario. Belongings are covered up to the policy limit for covered perils, but the building itself is the landlord’s responsibility.
Desjardins
Tenant insurance protects renters’ belongings against fire, theft and water damage and includes liability coverage. It suits renters because the landlord’s insurance does not cover their belongings; online purchase is available if eligible.
belairdirect
Tenant’s insurance protects belongings for people who rent their home. The product is offered through belairdirect’s online insurance quote service.
PolicyMe
Provides a tax-free lump-sum death benefit to beneficiaries if the insured dies during the policy term. It suits people with dependants, a mortgage or other financial obligations; coverage applies for the selected term rather than for life.
BMO Insurance
Provides temporary death-benefit protection to help families cover mortgage payments, living expenses or education costs. It suits people starting out, expanding a family or taking on debt; a medical exam may be required.
Beneva
Provides life insurance to help replace family financial support and cover obligations such as a mortgage after death. It suits people protecting loved ones; term coverage can be switched to permanent insurance without a medical exam.
Trupanion
Covers new, unexpected illnesses and injuries for dogs and cats, including surgery, diagnostics and prescriptions. It suits pet owners seeking protection against veterinary treatment costs; covered illnesses and injuries must be new and unexpected.
Allianz Global Assistance Canada
Provides emergency hospital and medical coverage while visiting Canada. It suits visitors, landed immigrants and returning Canadians waiting for government health insurance; benefits are subject to the selected sum insured and individual benefit limits.
BMO Insurance
Provides permanent protection with a guaranteed death benefit and built-in cash value. It suits people planning final expenses, charitable gifts or estate needs; fixed level premiums are payable for a specified number of years.
Compare covered events, benefit limits, exclusions and waiting periods.
Check premiums, deductibles and any co-payments.
Review renewal terms, cancellation rules and claims requirements.
Insurance rules and product availability can differ by province. Confirm coverage with a licensed provider.
Confirm current fees, rates and eligibility directly with the provider. Product terms can change over time. A listed product is not a recommendation or a promise of approval.
Availability must be confirmed for your province or territory. If product-specific location or eligibility information is missing, it is not confirmed.
For further guidance, visit Financial Consumer Agency of Canada.
This is general information, not personalized advice. Read our editorial policy and affiliate disclosure.
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