Protecto, your policies and claims: frequently asked questions
AMF registration, how we are paid, how coverage is selected, filing a claim, and changing or extending an existing policy.
Protecto is a firm in the insurance of persons registered with the Autorité des marchés financiers of Quebec under number 602624, and licensed in Ontario under FSRAO number 41378M.
You will find here how we are paid, how the coverage we present is selected, and the steps to file a claim or change an existing policy.
Is Protecto an insurance company?
No. Protecto is a firm in the insurance of persons registered with the Autorité des marchés financiers (AMF) of Quebec (number 602624). Protecto offers you coverage suited to your profile and helps you choose the one that fits your situation.
Is Protecto registered with the AMF?
Yes. Protecto is a firm in the insurance of persons registered with the Autorité des marchés financiers (no. 602624). Our advisors hold certificates issued by the AMF.
Do you offer service in French?
Yes. Our advisors offer full service in both French and English.
How does Protecto choose the coverage it offers?
Protecto reviews the products offered by the providers we have chosen to work with. We show you the options relevant to your situation and explain the differences that matter before you buy.
Can I see other options besides the Protecto recommendation?
Yes. The Protecto recommendation is a starting point. You can view the other relevant options, compare benefits and prices, and clearly see the provider behind each coverage.
Where is the insurance available?
Depending on the product, across Canada. Protecto is registered with the AMF in Quebec (number 602624) and licensed in Ontario (FSRAO number 41378M). Service is available in French and English.
How is Protecto paid?
Protecto is paid a commission by the provider when you buy coverage. That commission is included in the product’s price: you pay no additional fees for our services.
How do I file a claim?
Call the assistance number on your insurance card or policy. In case of a medical emergency, call before receiving care if possible. The insurer can arrange direct billing. For non-urgent claims, gather your documents and submit the claim form within 90 days.
Can I modify or extend my policy?
Yes, in most cases. For travel and visitor insurance, an extension is generally possible if no claim has been made. Contact us before your current policy expires.
Can I change the dates of my policy?
Depending on the insurer and plan, the dates can generally be changed before coverage starts. Make the request before the start date shown on your policy.
I'm returning earlier than planned. Do I get a refund?
Some insurers allow a partial refund if you return earlier than planned. Conditions vary by insurer and plan. Send a partial cancellation request and we will check what applies to your policy.
Can I add a person or change the coverage amount?
Major changes, such as adding a beneficiary or changing the coverage amount, may require a new policy or an endorsement to your existing one. Our advisors can evaluate your options.
How do I renew my visitor or Super Visa insurance?
Renewal is possible before expiry, often without a new medical questionnaire if your health has not changed. Make the request a few weeks before expiry to avoid a gap in coverage.
Does my life, disability or health insurance renew?
- Life and disability insurance: it depends on the type of policy. Term policies renew at predefined terms. Permanent policies do not need to be renewed.
- Supplemental health insurance: most plans renew every year. Your insurer contacts you with the renewal terms.
Can I cancel my policy and get a refund?
Cancellation is generally possible. The refund depends on the insurer, the plan and when you ask:
- Before the start date: often a full refund, less any administration fees.
- After coverage starts: a pro-rata refund, or no refund, depending on the terms.
Can't find your answer?
Our advisors answer in English and French, with no obligation.