Clear Compare

Clear Compare, travel, health and life insurance brokerage in Toronto

Clear Compare is the trading name of EFS North America Limited, an entity that presents itself as a fully licensed insurance provider in Canada and offers travel, health and life products to Canadian residents. Its activity is structured as brokerage: it compares plans and premiums from different insurers so that the client can purchase the policy that best suits their situation.

The company states that it works with several of the country's most recognised insurers, including AIG, Manulife and RBC Insurance. Purchase can be completed online or with the advice of a licensed Clear Compare agent.

Travel insurance with attention to pre-existing medical conditions

The travel insurance catalogue is the core of the offering and is organised into several types:

• Single trip plans, designed for a specific trip and for the number of days away.
• Annual multi-trip plans, which cover an unlimited number of trips during one year.
• All-inclusive plans.
• Trip cancellation and interruption coverage.
• Visitors to Canada insurance, aimed at those arriving in the country for family, holidays, work or conferences.
• Student plans.

The company highlights its specialisation in travellers with pre-existing health conditions. According to its presentation, it has proprietary medical screening technology that allows it to cover more than 1,300 specific conditions — including heart conditions, diabetes, epilepsy, stroke and cancer — without exclusions for medical stability period. This absence of exclusions applies to travel medical insurance policies taken out with medical underwriting.

Health and dental plans

In the health area, Clear Compare offers plans adaptable to different profiles. The offering includes affordable policies for self-employed workers, with coverage for prescription drugs, dental, vision and paramedical specialists. It also offers plans for those who lose group insurance benefits when leaving their job and wish to transfer them to a personal policy, as well as guaranteed acceptance plans designed to cover pre-existing medical conditions and the medication the insured is taking. The company also proposes taking out cover against the risk of a future illness causing a financial impact.

Life insurance

The portfolio is completed with term life, guaranteed issue and permanent life insurance, all of which can be taken out by requesting a quote.

Premium comparison and advice without commissions

Clear Compare describes its working method as a comparison of plans and premiums carried out by the company itself, so that the client receives a proposal tailored to their needs and budget. Advice is provided by licensed agents who, according to the company, do not charge fees to the client and do not work on commission, which in its approach eliminates sales pressure. The company insists that there is no one-size-fits-all solution and that policies are tailor-made.

Online purchase and informative content

The website allows you to request instant quotes and buy the policy online, as well as consult the full catalogue of plans. Clear Compare also maintains a blog with practical guides, such as one dedicated to visitors to Canada insurance and another on the medical stability period in travel insurance, and offers a newsletter with news and offers.

Location and contact

2 Bloor St. East, Suite 3500, Toronto, ON M4W 1A8 · Phone: (416) 814-5591 · Email: info@clearcompare.ca