Insurance
Protect yourself and your family by understanding different coverage types and choosing the right policies for your unique needs.
Life Insurance
- What Is Term Life Insurance and Is It Worth It?
- Life Insurance
- What Are the Pros and Cons of Simplified Issue Life Insurance?
- What Is Simplified Issue Life Insurance and Who Should Consider It?
- How Do Payouts Work with Joint Life Insurance?
- What Is Universal Life Insurance and Is It Right for You?
- How Much Does Term Life Insurance Cost in Canada?
- What Happens If You Outlive Your Term Life Insurance?
- When Should You Buy Term Life Insurance?
- Is Term Life Always Cheaper Than Permanent Insurance?
- When Is the Best Time to Lock In a Term Life Rate?
- What Happens During a Term Life Insurance Application?
- What Is Whole Life Insurance and How Does It Work?
- When Should You Consider Whole Life Insurance?
- How Does Whole Life Insurance Build Cash Value?
- When Can You Access the Cash in a Whole Life Policy?
- What Are Guaranteed and Non-Guaranteed Premiums?
- How Are Dividends from Whole Life Insurance Taxed?
- What’s the Difference Between Lifetime and Limited Pay Whole Life?
- When Should You Use Universal Life Insurance for Estate Planning?
- How Do Investment Options Work in a Universal Life Policy?
- What Is Indexed Universal Life Insurance?
- What Are the Fees and Risks in Universal Life Insurance?
- What Is Group Life Insurance and How Does It Work?
- How Flexible Are the Premiums in Universal Life?
- Is Your Employer’s Group Life Insurance Enough?
- What Happens to Group Life Insurance If You Leave Your Job?
- What Is the Supplementary Death Benefit in Canada?
- Should You Get Supplemental Life Insurance Through Work?
- Can You Get Critical Illness Insurance Through Group Benefits?
- What Is Joint Life Insurance and How Does It Work?
- Should Couples Buy Joint Life Insurance?
- What’s the Difference Between First-to-Die and Last-to-Die Insurance?
- How Does the Simplified Issue Application Process Work?
- What’s the Difference Between Simplified and Traditional Life Insurance?
- What Is Guaranteed Issue Life Insurance and When Should You Get It?
- Can You Get Guaranteed Life Insurance Without a Medical Exam?
- Is Guaranteed Issue Life Insurance Right for Seniors or High-Risk Individuals?
- What Are the Limits and Waiting Periods for Guaranteed Issue?
- Can You Separate or Convert a Joint Life Insurance Policy?
Health Insurance
- What Is a Health Spending Account (HSA) in Canada?
- When Should You Consider Buying Long-Term Care Insurance?
- What Is Long-Term Care Insurance and Who Needs It?
- When Should You Buy Private Health Insurance?
- Can You Have Private and Public Health Insurance at the Same Time?
- What Services Are Typically Covered by Private Insurance?
- Can You Lose Public Health Insurance Coverage?
- What Is Public Health Insurance in Canada and What Does It Cover?
- Who Is Eligible for Public Health Insurance in Each Province?
- How Does Public Health Insurance Work With Private Plans?
- What Medical Services Are Not Covered by Public Insurance?
- How Do You Apply for a Health Card in Canada?
- What Is Private Health Insurance and Do You Need It?
- What’s the Difference Between Individual and Group Health Insurance?
- What Is Critical Illness Insurance and Do You Need It?
- How Do Deductibles and Co-Payments Work in Private Plans?
- Can You Get Critical Illness Insurance Through Your Employer?
- When Should You Buy Critical Illness Insurance?
- Which Illnesses Are Covered by Critical Illness Insurance?
- Can You Get Coverage with a Pre-Existing Condition?
- What Happens If You Never Make a Claim?
- How Is a Critical Illness Payout Taxed in Canada?
- What Types of Care Are Covered by Long-Term Care Insurance?
- Can You Get Coverage for Home Care or Assisted Living?
- How Much Does Long-Term Care Insurance Cost in Canada?
- What Happens If You Don’t Use Long-Term Care Benefits?
- What Is Disability Insurance and How Does It Work?
- What’s the Difference Between Short-Term and Long-Term Disability?
- When Should You Get Disability Insurance?
- How Do You Qualify for Disability Insurance Benefits?
- What Conditions Are Covered by Disability Insurance?
- How Are Disability Benefits Taxed in Canada?
- Can You Have Employer and Private Disability Insurance Together?
- What Is Accident Insurance and What Does It Cover?
- How Is Accident Insurance Different from Disability or Health Insurance?
- Who Should Consider Buying Accident Insurance?
- What Injuries Are Covered by Accident Insurance?
- Can You Claim Accident Insurance for Sports or Travel Incidents?
- How Does the Payout Work in an Accident Insurance Policy?
- Who Can Set Up an HSA and How Does It Work?
- What Expenses Are Eligible Under a Health Spending Account?
- Can You Use an HSA for Family Medical Costs?
- What’s the Difference Between an HSA and Traditional Insurance?
- Are HSA Reimbursements Taxable in Canada?
- Health Insurance
Auto Insurance
- What’s the Difference Between Bodily Injury and Property Damage Liability?
- Can Liability Insurance Cover Legal Costs and Settlements?
- What Is Collision Coverage and What Does It Protect You From?
- Does Collision Coverage Pay for a Totalled Vehicle?
- What Is Comprehensive Auto Insurance and What Does It Cover?
- Is Comprehensive Coverage Worth It for Older Vehicles?
- What’s the Difference Between Collision and Comprehensive Coverage?
- Can You File a Comprehensive Claim Without Affecting Your Rates?
- What Is Uninsured Motorist Coverage and Why Does It Matter?
- What Happens If You’re Hit by an Uninsured Driver?
- How Much Coverage Should You Carry for Uninsured Drivers?
- What’s the Difference Between Underinsured and Uninsured Coverage?
- How Does Specified Perils Compare to Comprehensive Coverage?
- Can You Customize the Perils You Want Covered?
- How Do Reimbursement Limits Work for Rental Vehicles?
- When Should You Add Loss of Use Coverage to Your Policy?
- Auto Insurance
- What Is Auto Liability Insurance and Why Is It Mandatory?
- How Much Liability Coverage Do You Really Need?
- What Happens If You Cause an Accident Without Enough Liability Insurance?
- How Is Auto Liability Insurance Priced in Canada?
- When Should You Consider Dropping Collision Coverage?
- How Does Collision Insurance Work If You’re Not at Fault?
- What Deductible Should You Choose for Collision Insurance?
- How Much Does Collision Coverage Add to Your Auto Insurance Premium?
- How Are Glass and Weather Damages Handled Under Comprehensive?
- Does Uninsured Motorist Insurance Cover Hit-and-Run Accidents?
- Is Uninsured Motorist Coverage Required in Canada?
- What Is Specified Perils Coverage in Auto Insurance?
- What Events Are Covered Under Specified Perils?
- When Should You Choose Specified Perils Over Comprehensive?
- Is Specified Perils Coverage Right for Seasonal or Stored Vehicles?
- What Is Loss of Use Coverage in Auto Insurance?
- What Does Loss of Use Cover After an Accident or Theft?
- How Long Does Loss of Use Coverage Last After a Claim?
Home and Property Insurance
- How Much Condo Insurance Do You Need?
- What Is Vacant Property Insurance and Why Is It Important?
- What Is Homeowners Insurance and What Does It Cover?
- Can You Be Denied a Home Insurance Claim?
- What Is Tenant Insurance and Do Renters Really Need It?
- What Does Renter’s Insurance Cover in Canada?
- How Much Tenant Insurance Coverage Should You Buy?
- What Is Condo Insurance and How Does It Work?
- What Does a Standard Condo Insurance Policy Cover?
- What Is Overland Flood Insurance and Do You Need It?
- What Is Earthquake Insurance and When Is It Recommended?
- What’s the Difference Between Sewer Backup and Overland Flood Coverage?
- How Do You Know If You’re in a Flood or Earthquake Risk Zone?
- Can You Add Flood or Earthquake Insurance to an Existing Policy?
- What Happens If a Property Is Uninsured While Vacant?
- What Is Landlord Insurance and What Does It Cover?
- What Happens If a Tenant Causes Property Damage?
- Home and Property Insurance
- How Much Home Insurance Do You Really Need?
- What’s the Difference Between Replacement Cost and Market Value?
- How Are Home Insurance Premiums Calculated in Canada?
- When Should You Review or Update Your Home Insurance Coverage?
- Does Tenant Insurance Cover Theft or Fire Damage?
- What Happens If Your Roommate Doesn’t Have Tenant Insurance?
- Does Condo Insurance Cover Water Leaks or Building Damage?
- Who’s Responsible for Common Areas in a Condo Claim?
- Are Natural Disasters Covered in Standard Home Insurance?
- How Long Can a Home Be Vacant Before Coverage Is Affected?
- What Does Vacant Home Insurance Typically Cover?
- Can You Get Coverage for Renovations or a Home on the Market?
- How Is Vacant Property Insurance Priced in Canada?
- What’s the Difference Between Landlord Insurance and Homeowners Insurance?
- Do You Need Landlord Insurance for a Basement Suite or Rental Unit?
- What Liability Coverage Should Landlords Have?
- Does Landlord Insurance Cover Loss of Rental Income?
- What’s the Difference Between Condo Insurance and the Condo Corporation’s Policy?
- Can You Get Tenant Insurance Without a Lease?
Travel Insurance
- What Are the Limits and Costs of Repatriation Coverage?
- What Should You Do If Your Luggage Is Lost, Delayed, or Stolen?
- Can You Cancel a Trip for Any Reason and Still Be Covered?
- What Is Trip Cancellation Insurance and When Should You Get It?
- What Is Covered Under Trip Interruption Insurance?
- What Happens If You Get Sick Before or During Your Trip?
- How Do You Make a Claim on Trip Cancellation Insurance?
- Does Trip Cancellation Insurance Cover Other Pandemics?
- What Is Emergency Medical Travel Insurance and Do You Need It?
- What Medical Emergencies Are Covered When Travelling Abroad?
- Can You Use Provincial Health Insurance While Travelling?
- What Happens If You Have a Pre-Existing Condition?
- How Are Emergency Medical Claims Handled When You’re Abroad?
- How Much Emergency Medical Coverage Should You Buy?
- What Is Baggage Insurance and What Does It Cover?
- How Much Can You Claim for Lost or Damaged Baggage?
- What Happens If You Arrive But Your Bags Don’t?
- Does Travel Insurance Cover Items in Carry-On Bags?
- What Is Emergency Evacuation Insurance and Why Might You Need It?
- What Is Covered in a Medical Repatriation Policy?
- Does Travel Insurance Cover Air Ambulance Services?
- Who Coordinates Emergency Evacuations When You’re Abroad?
- What Is Rental Car Insurance in Travel Coverage?
- Does Travel Insurance Cover Rental Car Accidents and Damage?
- What’s the Difference Between Collision Damage Waiver and Rental Car Insurance?
- What Countries Are Covered Under Rental Car Travel Insurance?
- Travel Insurance
Business Insurance
- Can You Insure a Home-Based Business Property?
- How Long Does Business Interruption Insurance Pay Out?
- Can CGL Insurance Protect You Against Lawsuits?
- What Is Commercial General Liability (CGL) Insurance and Who Needs It?
- What’s the Difference Between CGL and Professional Liability Insurance?
- How Much CGL Coverage Does Your Business Need?
- Is CGL Insurance Mandatory in Canada?
- What Does CGL Insurance Cover for Small Businesses?
- What Is Professional Liability Insurance (E&O) and Why Is It Important?
- Who Needs Errors and Omissions Insurance in Canada?
- What Does E&O Insurance Cover That Other Policies Don’t?
- What Happens If You’re Accused of Negligence or Misconduct?
- How Much E&O Coverage Should Professionals Carry?
- Can Contractors and Freelancers Get Professional Liability Coverage?
- What Is Business Interruption Insurance and What Does It Cover?
- When Should a Business Consider Interruption Coverage?
- What’s the Difference Between Property and Interruption Insurance?
- Does Business Interruption Insurance Cover Pandemics or Lockdowns?
- How Do You File a Claim for Lost Income?
- What Is Commercial Property Insurance and What Does It Protect?
- How Is Business Property Insurance Different from Home Insurance?
- Does Property Insurance Cover Inventory and Equipment?
- What Types of Damage Are Covered by Commercial Property Insurance?
- How Is Business Property Insurance Valued and Priced?
- Does Cyber Insurance Protect Against Ransomware Attacks?
- What Is Cyber Insurance and Why Do Small Businesses Need It?
- What Does Cyber Liability Insurance Cover After a Data Breach?
- Who Should Consider Buying Cyber Insurance?
- What Happens If Client Data Is Stolen?
- Business Insurance
- How Much Does Cyber Insurance Cost for a Small Business?
Liability Insurance
- How Much Personal Liability Coverage Should You Carry?
- What Is Umbrella Insurance and How Does It Work?
- When Should You Consider Buying Umbrella Insurance?
- What Does Umbrella Insurance Cover That Other Policies Don’t?
- How Much Umbrella Coverage Do You Need?
- Does Umbrella Insurance Cover Legal Costs and Lawsuits?
- Can You Use Umbrella Insurance for Home, Auto, and Business Claims?
- What Is Excess Liability Insurance and How Is It Different from Umbrella Coverage?
- When Do You Need Excess Liability Insurance?
- How Does Excess Coverage Work With Your Existing Policies?
- What Are the Limits of Excess Liability Insurance?
- Who Should Consider Excess Coverage for Business or Personal Use?
- Is Excess Liability Insurance Worth It for High Net Worth Individuals?
- What Is Personal Liability Insurance and What Does It Cover?
- Does Home or Tenant Insurance Include Personal Liability?
- When Might Personal Liability Insurance Apply Outside the Home?
- What Happens If Someone Is Injured on Your Property?
- Can You Be Personally Sued Without Liability Coverage?
- Liability Insurance
Specialty Insurance
- What Is Identity Theft Insurance and Do You Really Need It?
- What Does Identity Theft Insurance Cover in Canada?
- What Does Motorcycle Insurance Typically Cover?
- How Does Identity Theft Insurance Help After a Breach?
- What Is Mortgage Insurance and How Does It Work?
- What’s the Difference Between Mortgage Insurance and Life Insurance?
- Is Mortgage Insurance Mandatory When Buying a Home?
- Can You Cancel Mortgage Insurance Later?
- What Is Pet Insurance and What Does It Cover?
- How Does Pet Insurance Work in Canada?
- Can You Get Pet Insurance for Pre-Existing Conditions?
- What Is Legal Expense Insurance and What Does It Cover?
- Who Should Consider Buying Legal Expense Insurance?
- Can Legal Insurance Help with Employment, Tenant, or Family Disputes?
- How Much Legal Coverage Do You Get with Legal Expense Insurance?
- Is Legal Expense Insurance Worth It for Small Business Owners
- How Is Legal Expense Insurance Different from Hiring a Lawyer?
- How Does Insurance Work for Boats, Motorcycles, and RVs?
- Do You Need Separate Coverage for a Boat Trailer or Accessories?
- How Is Seasonal Use Covered Under RV or Boat Insurance?
- How Is Mortgage Insurance Priced and Paid?
- What Is Recreational Vehicle Insurance and Who Needs It?
- Specialty Insurance