Provincial healthcare coverage is limited outside Canada.
Protects against cancellations or delays due to illness, weather, or unforeseen events.
Reimburses for essential items or replacement of lost luggage.
Travel confidently knowing unexpected events won’t create financial stress.
Covers emergency medical bills, trip cancellations, or lost belongings.
Can include medical, baggage, flight, and rental car protection.
Access to 24/7 emergency travel support worldwide.
Tailored coverage depending on trip length, destination, and activities.
Minimizes worry about unexpected emergencies while away from home.
Canadian residents who are first-time home buyers aged 18–71.
Up to $8,000 per year, with a lifetime limit of $40,000.
Yes, similar to an RRSP, reducing your taxable income.
No, if used to buy your first home.
Yes, unused room carries forward to future years once the plan open
Yes, both programs can be used for first-time home purchases.
Funds can be transferred to an RRSP or taxed as income.
You can contribute until December 31 of the year you turn 71.
No, each individual is allowed only one FHSA.
