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
Pay off the mortgage or contribute to an RRSP?
Two neighbours, same salary, same mortgage, $5,000 of discretionary income a year. One pays down the house, the other contributes to an RRSP. At 65, $110,000 separates them.
August 7, 2026 · 3 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 a few minutes.
July 31, 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.
July 30, 2026 · 3 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.
July 29, 2026 · 3 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.
July 28, 2026 · 3 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.
June 2, 2026 · 2 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.
May 26, 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.
May 19, 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: medication changes, new symptoms, and tests awaiting results.
May 12, 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.
May 5, 2026 · 2 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.
March 21, 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.
March 21, 2026 · 2 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.
March 21, 2026 · 2 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, advisors registered with the AMF.
March 21, 2026 · 2 min read
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