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 financial services firm 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 financial services firm 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.
Are your advisors registered with the AMF?
Yes. Our representatives are registered with the Autorité des marchés financiers.
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't find your answer?
Our advisors answer in English and French, with no obligation.