Compare insurance quotes for life, health, dental, home, auto and critical illness coverage with one form. It takes about 3 to 5 minutes, a representative licensed in your province calls you back with the quote, and you pay nothing to use this site. Available in every province and territory.
At a glance
By the Find Insurance Canada editorial team · Published September 24, 2026 · Last updated September 24, 2026
To compare insurance in Canada, you line up quotes for the same coverage from more than one insurer and look at the price, the deductible and what each policy leaves out. The form below sends your request to licensed representatives who can quote it.
Before you send the form: Find Insurance Canada is not an insurer, agent or broker. Your details go to our referral partner, which connects you with provincially licensed insurance representatives and may pay us a fee. The partner’s name, privacy policy and terms appear inside the form. How this site works and is paid
You fill in one form, a licensed representative contacts you, and you decide whether any quote is worth buying.
Two quotes only compare fairly when the coverage matches. Ask each representative for the same limits and the same deductible, then compare the price. A cheaper policy with a $2,500 deductible is not the same product as one with a $500 deductible.
This site covers the six kinds of personal insurance most Canadian households buy or think about buying.
Life insurance pays a tax free lump sum to the people you name when you die. Term life covers a set period, often 10, 20 or 30 years, and costs the least. Permanent life (whole or universal) lasts your whole life and costs more because it builds cash value. Most families with a mortgage or young children compare term first.
Your provincial health plan covers medically necessary doctor and hospital care. Private health insurance fills the gaps: prescription drugs outside hospital (coverage varies by province), vision care, physiotherapy, massage therapy, private hospital rooms and ambulance fees in some provinces. People without a workplace plan, such as the self employed, are the main buyers.
Provincial health plans do not cover routine dental care for most adults. A dental plan pays part of the cost of cleanings, fillings and sometimes major work like crowns, usually with yearly maximums. Individual plans are often sold as part of a health plan, and many limit major work in the first year.
Home insurance covers your house, your belongings and your liability if someone is hurt on your property. No law requires it, but almost every mortgage lender does. Renters buy tenant insurance for their belongings and liability, and condo owners buy a condo policy for the parts the building’s policy leaves out.
Every province and territory requires auto insurance before you drive. Each sets its own minimum coverage, including third party liability and accident benefits. Your price depends on where you live, your driving record, the vehicle and how you use it, so the same driver can pay very different amounts in two provinces.
Critical illness insurance pays a one time lump sum if you are diagnosed with a covered condition, commonly cancer, heart attack or stroke, and survive a waiting period that is often 30 days. You can spend the money on anything: lost income, treatment or the mortgage. It is different from disability insurance, which replaces part of your pay over time.
In four provinces, a public insurer provides all or part of your basic auto coverage, which changes how you compare insurance for a car.
| Province | Who provides basic auto coverage | What private insurers sell |
|---|---|---|
| British Columbia | ICBC | Optional coverage above the basic policy |
| Saskatchewan | SGI | Optional and extension coverage |
| Manitoba | Manitoba Public Insurance | Optional and extension coverage |
| Quebec | Société de l’assurance automobile du Québec (SAAQ) for bodily injury | Property damage and liability coverage |
| All other provinces and the territories | Private insurers | The full policy, within provincial rules |
If you live in one of the four public provinces, comparing quotes mostly means comparing the optional coverage you add on top.
Some Canadians qualify for the federal Canadian Dental Care Plan instead of buying a private dental plan.
According to the Government of Canada’s eligibility page, you must not have access to dental insurance through a job or pension, your adjusted family net income must be less than $90,000, and you must be a Canadian resident for tax purposes. If you qualify, check the plan before you pay for private dental coverage. If you do not, compare insurance plans for their yearly maximum and waiting periods on major work.
A representative can quote faster and more accurately when you have the basic facts in front of you.
We are not an insurer, agent or broker. Find Insurance Canada publishes information and sends quote requests to a referral partner. We do not sell, quote or bind any policy, and nothing here is insurance advice.
Licensed representatives give the quotes. Insurance is regulated by each province and territory. Only representatives licensed where you live can advise you and sell you a policy. The Canadian Council of Insurance Regulators lists the regulator for each province.
We may be paid. Our referral partner may pay us a fee when you ask for quotes or buy a policy. You pay nothing extra, and the fee does not change what we write.
No guarantees. Insurers set prices and decide who they cover. We cannot promise any price, coverage or approval.
Every insurer in Canada must have a complaints process, and free independent services step in if it fails.
Start with the insurer’s complaints officer and ask for a final written answer. For life and health insurance, including critical illness and dental plans, you can then go to the OmbudService for Life and Health Insurance. For home and auto insurance, the General Insurance OmbudService handles complaints in most provinces. The Financial Consumer Agency of Canada also explains how insurance works and where to turn.
No. We are an information and referral website. We do not sell insurance, set prices or give advice. When you ask for quotes, a licensed insurance representative in your province contacts you and gives the quote.
No. Reading the guides and sending the quote form are free. If you buy a policy through a representative we referred you to, our referral partner may pay us a fee, and that fee does not change your price.
The guides cover all ten provinces and three territories. Auto insurance works differently in British Columbia, Saskatchewan, Manitoba and Quebec because a public insurer provides all or part of the basic coverage there.
The quote form currently lists life, health, home and auto. Dental plans are usually sold with health coverage and critical illness policies are usually sold by life insurers, so choose Health or Life and tell the representative which one you want.
No. The form asks for contact, address and household details. If you ask for life, health or critical illness quotes, a licensed representative may ask health questions later, because insurers price those policies on your health.
Start with the insurer’s own complaints process. If that does not settle it, the OmbudService for Life and Health Insurance handles life and health complaints, and the General Insurance OmbudService handles home and auto complaints in most provinces.
The Find Insurance Canada editorial team writes and updates the guides on this site. We explain life, health, dental, home, auto and critical illness insurance for Canadians in plain language and check coverage rules against federal and provincial sources. How we write and check our guides