Funeral insurance · Quebec
Funerals in Quebec cost an average of $5,700, and the public plan pays at most $2,500. One simple request brings you up to three quotes from insurers and brokers licensed in Quebec — free, with no obligation.
The Quebec context
What funerals actually cost in Quebec, and what the public plan covers.
Average cost of a funeral at a private funeral home in Quebec
Survey by the Corporation des thanatologues du Québec (CTQ)
Maximum QPP death benefit, paid as a single lump sum
Retraite Québec
The gap left to cover some other way, at minimum
Calculation: $5,700 minus $2,500, assuming the maximum benefit
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Why funeral insurance
Amounts generally more modest than traditional life insurance — sized to cover the funeral and the expenses around it, without paying for protection you don’t need.
Some products don’t require a medical exam, depending on the insurer — a door that stays open even if your health record has grown heavier over the years. Comparing shows you which conditions apply to your situation.
The benefit is paid to the designated beneficiary, generally without passing through the estate — the money arrives when the family needs it, right when the funeral bills come in.
Frequently asked questions
It’s a one-time payment of at most $2,500, paid only if the deceased contributed enough to the Plan, and it has to be applied for. Against an average cost of $5,700, the gap falls to the family.
Not necessarily. Some funeral insurance products require no medical exam, depending on the insurer; others ask a few health questions. Conditions and prices vary — that’s exactly what comparing shows you.
No. Prearrangements lock in specific services with a funeral home chosen in advance; funeral insurance pays a benefit your family can use freely — the funeral, the bills, the unexpected. Many families combine the two.
One request, up to three quotes from insurers and brokers licensed in Quebec. Free and no obligation.
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Sources for the figures: survey by the Corporation des thanatologues du Québec (average cost); Retraite Québec (QPP death benefit). This page is informational; quotes come from insurers and brokers licensed in Quebec.
