PolicyTerms.ca is educational, not professional advice.

Not professional advice

Nothing on this site is insurance, legal, tax, accounting, investment, or other professional advice. Do not rely on a term page alone when buying insurance, interpreting coverage, reporting a claim, disputing an insurer decision, or making another high-stakes decision.

No guarantees

We work to improve clarity and usefulness, but we do not guarantee that every page is complete, current, or error-free. Insurance terminology, provincial practice, policy wording, and claims procedures all change over time.

Independent publication

PolicyTerms.ca is an independent publication by Tokenizer Inc. References to insurers, regulators, products, forms, organizations, or laws are for explanatory context only and do not imply affiliation or endorsement.

AI-assisted workflow

Some content may be drafted or expanded with AI assistance and then revised through editorial cleanup. That workflow can accelerate rebuilding, but it can also introduce noise. If you spot a problem, report it.

Use these sources for high-stakes matters

• Current policy wording and insurer documentation.
• Official regulator, ombudservice, or dispute-resolution materials where relevant.
• Claim-specific, broker-specific, or insurer-specific documents.
• Qualified insurance, legal, tax, or financial professionals where appropriate.