How insurance works in Ontario: who regulates it, how auto insurance is sold, the risks insurers price in, and where to get licensed help.
Coverage in Ontario
FSRA licenses life agents (LLQP) and accident & sickness agents; property & casualty brokers are licensed by the Registered Insurance Brokers of Ontario (RIBO).
Licensed in Ontario
Auto insurance
10 min read
Since July 1, 2026, only medical, rehabilitation and attendant care benefits are mandatory on Ontario auto policies. Here is what each accident benefit pays, who it covers and what could fill the gap if you go without one.
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Travel & visitors
8 min read
Outside Canada, OHIP pays only set daily amounts for sudden emergencies, such as up to $400 a day for intensive care, and you need at least 153 days in Ontario in any 12-month period to keep it. Here are the 212-day rule, the two-year extended absence, prior approval and a worked US hospital bill.
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Health & living benefits
12 min read
OHIP covers medically necessary doctor and hospital care, but not most prescriptions filled at a pharmacy, dental work in a dentist's office, glasses, most adult eye exams or most physiotherapy, massage and chiropractic care. Here's a 25-service table and the public programs and private plans that fill the gaps.
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