About PolarCover

PolarCover helps visitors to Canada, international students, and Canadian travellers compare real insurance rates and get covered in minutes — with a licensed professional reviewing every application before a policy is issued.

Licensing & compliance

• Operated by a life & health insurance agent licensed in Ontario — FSRA Licence #16155489
• Errors & Omissions (E&O) insurance in force
• Licence details can be verified through FSRA's public licence registry
• Products are administered by JF Insurance Agency Group Inc. and underwritten by Berkley Canada and Old Republic Insurance Company of Canada

How we work

1. You compare plans using official insurer rate tables — the same ones agents quote from.
2. You submit an application online in about two minutes. No payment is taken at this step.
3. A licensed advisor personally reviews your eligibility and confirms your premium, then issues your policy — typically within one business day.

Being independent means we compare plans on price and fit — we don't push one insurer's product.