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Allows Customization?
Yes
Dental
Yes
Vision
Yes
Prescription
Yes
3.9 Genius Rating
0.9 (7) User Reviews

Supplemental health insurance can be expensive, but can cover Canadians for health emergencies and costs not otherwise covered by government plans. Sun Life health insurance offers 4 types of health insurance products that can give you peace of mind at all life stages. These include personal health insurance, critical illness insurance, long term care insurance, and disability insurance.

Pros
  • Offers most of the main health insurance coverages you'd expect
  • Virtual advisors available to help you decide
  • 3 different plans available for personal health insurance
  • Get a quote online
  • Critical illness, long term care, and disability insurance plans available
Cons
  • Vision care not available for Basic personal plan
  • Accidental death and dismemberment only available with life insurance
Provinces
ALL
Eligibility
  • Canadian citizen
  • Age of majority
Why You Want It
Get help from a virtual advisor + Choose from 3 personal health plans.
Special Features
See Issuer for Details
Allows Customization?
Yes
Dental
Yes
Vision
Yes
Paramedical
Yes
Prescription
Yes
Travel Coverage
Yes
Hospital Room Coverage
Yes
Accidental Death And Dismemberment
Yes
Short-term Disability
Yes
Long-term Disability
Yes
 
Travel Accident
$50,000
Emergency Medical
$10,000,000
Trip Cancellation
See Issuer for Details
Trip Interruption
$Unlimited
2.5 Genius Rating
1.5 (6) User Reviews

Proudly calling itself the largest travel insurance provider in Canada, Manulife travel insurance is a popular option for Canadians who are looking to be covered on their next trip. You'll get the choice of one basic CoverMe plan that can be customized as you want – including adding the COVID-19 Pandemic Travel plan. Students also get a cheaper option to help with their more limited budgets.

Pros
  • 5 easy-to-understand options
  • COVID-19 Pandemic Travel Plan available
  • Multi-trip plans available
  • Family and student coverages available
  • Gave us some of the lowest quotes in our test
  • Apply at any age (and no medical questions if you're under 60)
Cons
  • No mention of 24/7 support
  • No rental car insurance
  • No hotel burglary insurance
Provinces
ALL
Eligibility
  • Canadian resident (plans available for non-Canadians visiting Canada)
  • Covered by Canadian provincial or territorial health insurance plan
Why You Want It
Offers COVID-19 travel coverage + Save on premiums if you’re a student.
Special Features
  • Pandemic plan available for protection against COVID-19
Travel Accident
$50,000
Emergency Medical
$10,000,000
Trip Cancellation
See Issuer for Details
Trip Interruption
$Unlimited
Flight Delay
$2,700
Baggage Loss, Damage, Delay
$1,500
Hotel Burglary
N/A
Rental Car Theft And Damage
No
Rental Car Accident
See Issuer for Details
Rental Car Personal Effects
See Issuer for Details
Student Plans Available?
Yes
 
Personal Liability
Yes
Personal Belongings
Yes
Additional Living Expenses
Yes
Unit Improvements
No
2.1 Genius Rating
0.0 (0) User Reviews

RBC is a trusted name in Canada, making it an easy choice when it comes to tenant insurance. RBC Tenant Insurance offers a lot for renter insurance, covering personal belongings, liability coverage, as well as some nice benefits such as covering living expenses and property inside your vehicle.

Pros
  • Convenience and reliability
  • Extra features
Cons
  • High costs
  • Need to pay extra for additional coverage
  • No coverage for identity theft
Provinces
ALL
Eligibility
  • Canadian citizen
  • Age of majority
Why You Want It
Choose from comprehensive coverage options + Trusted, reputable bank.
Special Features
  • Non-owned property
  • Personal property at other location
  • Property in your vehicle
  • Voluntary medical payments
  • Voluntary property damage
  • Special item limits
  • Extensions of coverage
Personal Liability
Yes
Personal Belongings
Yes
Additional Living Expenses
Yes
Unit Improvements
No
Identity Theft
No
Sewer Backup
Yes
Overland Water
Yes
 
Allows Customization?
Yes
Dental
Yes
Vision
Yes
Prescription
Yes
3.3 Genius Rating
1.0 (1) User Reviews

Canada Life health insurance can cover you for things your provincial plan doesn't. While they offer guaranteed acceptance for some plans, their options are not as comprehensive or flexible as you may find with other health insurance providers. They offer insurance coverage for dental care, prescription drugs, vision care, paramedical and ambulance services, and more.

Pros
Cons
Provinces
ALL
Eligibility
  • Canadian citizen
  • Age of majority
Why You Want It
Up to $250,000 in prescription drug coverage + No termination age.
Special Features
  • 20% off regular priced items at Rexall
  • Guaranteed plans offered if you're leaving your current health insurance plan
  • Apply in less than 15 minutes
Allows Customization?
Yes
Dental
Yes
Vision
Yes
Paramedical
Yes
Prescription
Yes
Travel Coverage
Yes
Hospital Room Coverage
Yes
Accidental Death And Dismemberment
Yes
Short-term Disability
Yes
Long-term Disability
Yes
 
Monthly Fee
$0
Which Credit Bureau?
Equifax
Credit Score Access?
Yes
Credit Report Access?
Yes
2.9 Genius Rating
5.0 (1) User Reviews

Monitoring your credit score is increasingly important these days. With fraud and scams ever on the rise, keeping an eye on your credit score will alert you to any potential issues, such as identity theft or credit card fraud. Your credit score is also important because most lenders will approve or deny your credit applications based on it.

Pros
  • Bank level security
  • Personalized recommendations
  • Completely free
Cons
  • Limited customer service
  • No guaranteed approvals
Provinces
ALL
Eligibility
  • Canadian citizen
  • Age of majority
Why You Want It
Free credit score and report + Personalized tips, tools, and offers.
Special Features
  • Personalized recommendations
  • Personalized credit education
  • Bank-level security for your personal information
  • Valuable referral program
Monthly Fee
$0
Which Credit Bureau?
Equifax
Credit Score Access?
Yes
Credit Report Access?
Yes
Update Frequency
Weekly
Mobile App
Yes
 
Allows Customization?
Yes
Dental
Yes
Vision
Yes
Prescription
Yes
4.2 Genius Rating
0.8 (6) User Reviews

Blue Cross has been providing health insurance plans and coverage for Canadians for over 70 years. With flexible packages for both individuals and employer benefit plans, Blue Cross health insurance has an array of options available. Some options include prescription drug, vision, and hospital benefits, out-of-province emergency medical care, critical illness coverage, and short or long term disability coverage.

Pros
  • Wide availability
  • Flexibility and premium coverage
  • Virtual health care included
Cons
  • Plans may vary depending on region
  • Difficult to navigate
Provinces
ALL
Eligibility
  • Canadian citizen
  • Age of majority
Why You Want It
Get comprehensive health care coverage + Recognized insurance provider.
Special Features
  • Can include virtual health care (for certain regions)
  • Can include hearing aids
  • Can include medical equipment
Allows Customization?
Yes
Dental
Yes
Vision
Yes
Paramedical
Yes
Prescription
Yes
Travel Coverage
Yes
Hospital Room Coverage
Yes
Accidental Death And Dismemberment
Yes
Short-term Disability
Yes
Long-term Disability
Yes
 
Allows Customization?
Yes
Dental
Yes
Vision
Yes
Prescription
Yes
3.8 Genius Rating
0.0 (0) User Reviews

Manulife offers a variety of supplemental health insurance options for individuals and employers, including health, dental, disability, critical illness, and more. Health insurance can be expensive, but the added peace of mind it provides is usually worth it, as you'll know you're covered in the event that some catastrophe occurs.

Pros
  • Options for most health insurance needs
  • Earn rewards and save money with Manulife Vitality
  • Emergency medical travel coverage available with the FollowMe plan
  • Get special rates for families with 3 or more children
Cons
  • The options can be overwhelming
  • Always make sure to shop around
Provinces
ALL
Eligibility
  • Canadian citizen
  • Age of majority
Why You Want It
Earn rewards with Manulife Vitality + Special rates for familes.
Special Features
  • Can include catastrophic coverage
  • Earn Manulife Vitality reward points on your premiums
  • Special family rates
Allows Customization?
Yes
Dental
Yes
Vision
Yes
Paramedical
Yes
Prescription
Yes
Travel Coverage
Yes
Hospital Room Coverage
Yes
Accidental Death And Dismemberment
Yes
Short-term Disability
Yes
Long-term Disability
Yes
 
Mid-market Exchange Rate?
Yes
Hidden Fees?
Yes
Example Fees For $1,000
  • USD: $0.00 to $21.49
  • EUR: $1.99 to $21.49
  • GBP: $0.00 to $21.49
  • INR: $0.00 to $21.49
  • CNY: $0.00 to $21.29
Transfer Limits
  • Level 1: $999 per day, $5,000 per 30 days, $9,999 per 180 days
  • Level 2: $12,500 per day, $25,000 per 30 days, $40,000 per 180 days
  • Level 3: $75,000 per day, $90,000 per 30 days, $130,000 per 180 days
3.5 Genius Rating
0.0 (0) User Reviews

Xoom is an international money transfer service by PayPal, offering quick and easy money transfers for some surprisingly high fees in some cases. Payment options are flexible, with the option of transferring money from your PayPal account or bank account, or using your debit or credit card to pay. Of course, the recipient will also have to pay a fee on pickup as well, which makes Xoom an expensive option on both ends.

Pros
  • Different delivery methods available
  • Fast delivery
  • Free transfers to many countries for some methods
  • Current status updates available
  • 24/7 customer service
  • Secure transfers
  • Money-back guarantee
Cons
  • Not all delivery methods are available in all countries
  • Fees are higher than some other options
Provinces
ALL
Eligibility
See Issuer for Details
Why You Want It
4 different delivery methods available + Money-back gurantee.
Special Features
  • Powered by PayPal
  • Money-back guarantee
Mid-market Exchange Rate?
Yes
Hidden Fees?
Yes
Example Fees For $1,000
  • USD: $0.00 to $21.49
  • EUR: $1.99 to $21.49
  • GBP: $0.00 to $21.49
  • INR: $0.00 to $21.49
  • CNY: $0.00 to $21.29
Example Transfer Speed For $1,000
  • USD: Within minutes to within 2 days
  • EUR: Within 15 minutes
  • GBP: Within 15 minutes
  • INR: Within minutes to 2 hours
  • CNY: Within 30 minutes
Debit Transfer?
Yes
Credit Transfer?
Yes
Bank Account Transfer?
Yes
Paypal Transfer?
Yes
Transfer Limits
  • Level 1: $999 per day, $5,000 per 30 days, $9,999 per 180 days
  • Level 2: $12,500 per day, $25,000 per 30 days, $40,000 per 180 days
  • Level 3: $75,000 per day, $90,000 per 30 days, $130,000 per 180 days
 
Monthly Fee
$0
Which Credit Bureau?
See Issuer for Details
Credit Score Access?
Yes
Credit Report Access?
Yes
5.0 Genius Rating
0.0 (0) User Reviews

The best time to check your credit score is always now, and with Credit Karma, the price is right at $0. This free credit score service gives you access to your credit score and report, provides weekly updates, and even sends alerts whenever there are notable changes to your file. Credit Karma pulls data from TransUnion and Equifax, giving you a reliable snapshot of where you stand. Plus, you’ll also get access to identity monitoring for extra peace of mind.

Pros
  • Free to use
  • No need to provide your SIN
  • Helpful articles and educational info
Cons
  • Annoying product recommendations
  • Limited customer service options
Provinces
AB, BC, MB, NB, NL, NS, ON, PE, SK
Eligibility
  • Canadian citizen
  • Age of majority
Why You Want It
Completely free to use + Monitors score from Transunion.
Special Features
  • Receive notifications if notable changes occur
  • Retrieves info from both major credit bureaus
  • Identity monitoring available
Monthly Fee
$0
Which Credit Bureau?
See Issuer for Details
Credit Score Access?
Yes
Credit Report Access?
Yes
Update Frequency
Weekly
Mobile App
Yes
 
RRSP GICs Available?
Yes
RRSP Mutual Funds?
See Issuer for Details
RRSP Portfolios?
Yes
RRSP Savings Account?
Yes
5.0 Genius Rating
1.0 (1) User Reviews

A Desjardins RRSP can be a smart choice for Desjardins clients trying to plan for their future. As with all Registered Retirement Savings Plans (RRSPs), this account offers a tax-free home for any retirement savings, with room and opportunity to add several types of investments – as long as it stays within the government-set annual contribution limits.

Pros
  • Tax sheltered and tax deductible
  • Easy and quick online setup process
  • Ability to convert BONUSDOLLARS into RRSP investments
Cons
  • Withdrawal creates a tax penalty
  • Limited nation-wide presence for Dejardins
Provinces
ALL
Eligibility
  • Age of majority
  • Canadian resident
  • Under 71 years old
  • Be a current Desjarins client
Why You Want It
Convert BONUSDOLLARS into RRSP investments + Get flexible options.
Special Features
  • Contribute to your RRSP with BONUSDOLLARS
Self-directed RRSP Platform
Desjardins Online Brokerage
Self Directed Base Fee (Dollar)
$0
Self Directed Base Fee (Percentage)
N/A
RRSP GICs List
  • Market-linked
  • Non-Cashable
  • Cashable
  • US Dollar
Self-directed Available?
Yes
RRSP GICs Available?
Yes
RRSP Mutual Funds?
See Issuer for Details
RRSP Portfolios?
Yes
RRSP Savings Account?
Yes
Min RRSP Savings Account Interest Rate
0.65%
Max RRSP Savings Account Interest Rate
0.65%
Promotion
N/A
Promotion End Date
N/A
Average Mutual Fund MER
N/A
Investment Portfolios Fees
See Issuer for Details
 

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