Terms of Use

1. About these terms

These terms apply when you use egeinsure.ca, its translated sections, our quote tools, EGE AI and your EGE Insurance online account. By using the site, you agree to them. If you do not agree, please do not use the site.

EGE Insurance is the business name of EGE Insurance Canada, a licensed insurance brokerage at 200 Yorkland Blvd, Toronto, ON M2J 4Y7. EGE Insurance is licensed in Ontario. Our advisors also hold their own licences in Alberta, British Columbia and Manitoba. In these terms, “we” and “us” mean EGE Insurance, and “you” means the person using the site.

2. We are an agency, not an insurer

We compare plans and help you buy them. The insurance contract is between you and the insurer. The insurer sets the price, decides whether to accept you, issues the policy and decides claims. We do not make those decisions.

3. Quotes are estimates

The prices on this site come from the insurers’ own rates. A quote is an estimate, not an offer of coverage.

• The final price and whether you are accepted depend on the insurer’s application and its health questions.
• Insurers can change their rates at any time. A price is only fixed once the insurer confirms it.
• You are covered only when the insurer issues your policy and receives payment. A quote, a saved quote or a call booking is not coverage.
• We work to keep prices correct. If a price on the site is wrong, the insurer’s price applies.

4. Your coverage is set by the policy wording

Our plan summaries, comparison tables and guides are simplified to help you choose. The insurer’s policy wording is what decides what is covered, what is excluded and how claims are paid. That includes the rules on pre-existing conditions. Read the policy wording before you buy, and ask us if anything is unclear.

5. Information, not advice

Our guides, tables and calculators are general information. They are not advice for your situation, and they are not legal, tax or immigration advice.

For Super Visa insurance, Immigration, Refugees and Citizenship Canada (IRCC) decides whether a visa is approved. We cannot promise any visa outcome. Advice about your own coverage comes only from a licensed EGE Insurance advisor.

6. EGE AI

EGE AI is an automated assistant, not a licensed advisor. It gives information, not advice, and it can make mistakes. Check anything important with an advisor. Please do not type your SIN, card numbers or bank details into EGE AI. A licensed advisor reviews any life, critical illness or disability application with you before anything goes to an insurer.

7. Your answers must be true and complete

Insurers price and accept you based on your answers. A wrong or missing answer, especially about health, can mean a claim is refused or a policy is cancelled. Answer every question honestly and completely, and tell us if anything changes before your coverage starts.

If you enter details for someone else, such as a parent or a child, you confirm that you have their permission to do so.

8. Your online account

You sign in to your account with a code we send to your email or mobile. Keep that email and phone secure. Tell us right away if you think someone else has used your account. We may suspend an account that is misused.

9. Buying from the insurer

When you buy, you finish on the insurer’s own secure website, and the insurer’s terms apply there. You pay the insurer directly.

We never ask for your credit card details. The only exception is Manulife, where your licensed advisor completes the application with you. If anyone else asks for your card details in our name, do not share them and call us at (416) 477-1516.

10. How we are paid

We compare plans from the insurers we work with, not the whole market. The insurer you choose pays us a commission, which can differ by insurer. Your price is the same as buying direct.

11. Using the site fairly

Please do not:

• copy our prices or content in bulk, or use bots or scrapers on the site;
• try to break into, overload or interfere with the site or anyone’s account;
• give false information or pretend to be someone else;
• use the site for anything unlawful.

12. Our content

The text, design and tools on this site belong to EGE Insurance. Insurer names and logos belong to the insurers. You may use the site for your own personal insurance decisions. You may not copy or republish it for business use without our written permission.

13. Links to other websites

We link to insurers, government pages and other sources so you can check the facts. We are not responsible for those websites, and their own terms and privacy policies apply.

14. Keeping the site running

We work to keep the site available and accurate, but we cannot promise it will always be available or free of errors. We may change, pause or remove any part of it.

15. Limits on our responsibility

As far as the law allows, we are not responsible for:

• an insurer’s decision on price, acceptance, coverage or claims;
• indirect losses, such as lost time or lost opportunities, from using the site;
• losses from information you gave that was wrong or incomplete.

Nothing in these terms limits your rights under consumer protection law, or our duties as a licensed insurance brokerage.

16. Privacy and cookies

Our Privacy Policy explains how we collect, use and protect your information. Analytics cookies are set only if you choose Accept on our cookie notice. You can change your choice at any time with Cookie settings at the bottom of the page.

17. Complaints

Tell us first: call (416) 477-1516 or email cs@egeinsure.ca. Our Licences & complaints page explains how to take a complaint further, including to the Financial Services Regulatory Authority of Ontario (FSRA).

18. Which law applies

These terms are governed by the laws of Ontario and the federal laws of Canada that apply there.

19. Language

These terms are published in English. If a translated version differs, the English version applies.

20. Changes to these terms

We may update these terms. The date at the top shows when they last changed. The version on the site when you use it is the one that applies.

21. Contact us

EGE Insurance, 200 Yorkland Blvd, Toronto, ON M2J 4Y7
(416) 477-1516 · Toll-free 1-888-222-7083 · cs@egeinsure.ca
Monday to Friday 9 am to 8 pm, Saturday 9 am to 5 pm