Protecto Learning Centre
Practical guides and articles to understand your insurance options in Canada (visitors, travel, health, life) and choose the right coverage.
All our articles
Super Visa insurance with monthly payments: how it works
IRCC accepts Super Visa insurance paid monthly, with a deposit. How it works, when coverage starts, when the deposit is not refunded and what a missed payment means.
October 15, 2026 · 4 min read
Visitors to CanadaVisitor insurance and pregnancy: what's covered in Canada
Pregnancy and visitor insurance: what policies cover, what giving birth costs without RAMQ, and the options for international students and workers.
September 28, 2026 · 12 min read
Visitors to CanadaSuper Visa insurance requirements (2026)
IRCC's Super Visa insurance rules for 2026: coverage amount, length, eligible insurer, proof and payment. Plus what contracts say about refunds and renewal.
September 28, 2026 · 14 min read
Visitors to CanadaWhich deductible should you choose for visitor insurance?
How the deductible works, per policy or per claim, what it actually takes off the premium, and how to choose based on your tolerance for risk.
August 8, 2026 · 3 min read
Visitors to CanadaVisitor Insurance vs Super Visa: What Is the Difference?
Compare visitor insurance for Canada and Super Visa insurance. Requirements, duration, minimum amount, refund on refusal. Protecto guide.
August 8, 2026 · 2 min read
Visitors to CanadaVisitor insurance or travel insurance: what's the difference?
Both cover medical emergencies, but not for the same people. Who needs which, what changes in the coverage, and the edge cases.
August 8, 2026 · 3 min read
Travel insuranceTravelling to the U.S.: why RAMQ is not enough
RAMQ reimburses only a fraction of care received abroad. What the public plan really covers outside Quebec, and how to close the gap.
August 8, 2026 · 2 min read
Visitors to CanadaThe 5 most common Super Visa insurance mistakes
Insufficient coverage, non-compliant policies, wrong start date: the mistakes that delay Super Visa applications, and how to avoid every one of them.
August 8, 2026 · 2 min read
Life insuranceTerm or permanent life insurance: how to choose
Term or permanent? The concrete differences between the two main families of life insurance, and how to choose based on your stage of life and budget.
August 8, 2026 · 2 min read
Travel insuranceSnowbirds: when to buy your insurance and for how long
Heading south for the winter? The right time to buy long-stay travel insurance, Quebec presence rules, and the traps to avoid.
August 8, 2026 · 2 min read
Health and dentalPrivate Health Insurance vs RAMQ: What Is Covered and What Is Not
Compare RAMQ coverage and private health insurance in Quebec. Medications, dental, paramedical, vision. Protecto guide.
August 8, 2026 · 2 min read
Travel insurancePre-existing conditions: what "stable" means in travel insurance
High blood pressure, diabetes, cholesterol: medical stability explained in plain language, with medication changes, new symptoms and tests awaiting results.
August 8, 2026 · 2 min read
TipsPay off the mortgage or contribute to an RRSP?
Two neighbours, same salary, same mortgage, $5,000 a year to invest. One pays down the house, the other contributes to an RRSP. At 65, $110,000 separates them.
August 8, 2026 · 3 min read
Health and dentalIs Dental Insurance Worth the Cost? What You Need to Know
Is dental insurance worth it? Analysis of costs, reimbursements and situations where it truly pays off. Protecto guide.
August 8, 2026 · 3 min read
Life insuranceHow Much Life Insurance Do I Need? – Calculation and Estimate
How to calculate the amount of life insurance you need. Rules of thumb, factors to consider and examples. Protecto guide.
August 8, 2026 · 2 min read
Visitors to CanadaHow much does visitor insurance cost in Canada?
The five factors that set a visitor insurance premium, the levers that actually move the price, and how to get your real price in under 2 minutes.
August 8, 2026 · 3 min read
Visitors to CanadaCan you buy insurance after arriving in Canada?
Yes, in most cases, but a waiting period applies. The rules by product type, the exceptions, and why buying before departure is still better.
August 8, 2026 · 3 min read
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