Cremation Costs & Life Insurance

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Article Contents
Picture of By <span>Matthew Roberts</span>
By Matthew Roberts

Updated on April 4, 2024

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Picture of By <span>Matthew Roberts</span>
By Matthew Roberts

Updated April 4, 2024

Visit author page

2 minute read

Article Contents

In Ontario, the choice between burial and cremation is significant for many families. More and more people are choosing cremation over a traditional burial. In this article, our team dives into the details of cremation costs in Ontario, provincial differences across Canada, and whether life insurance can help cover the expenses.

Key Things to Know About Cremation in Canada

  • Cremation Costs: The cost ranges from $1,200 to $1,900. Direct cremation is a simple, cost-effective option excluding services like flowers and obituaries, but these can be added for an extra cost.
  • Cremation vs Traditional Burial: Whether it is a direct cremation or one with a memorial service, it is still more affordable than traditional burial services. The cremation rate in Canada reached nearly 75% in 2023, and it’s predicted to rise to around 79% by 2027.
  • Environmental Considerations: Traditional cremation has downsides like air pollution and high energy consumption.
  • Sustainable Alternatives: Bio-cremation and human composting are eco-friendly options that use less energy and have minimal environmental impact.
  • Plan with Life Insurance: A comprehensive life insurance policy provides peace of mind and coverage for various funeral services, ensuring your final wishes are respected and align with your environmental consciousness.

Does Life Insurance Cover Cremation Costs in Canada?

The short answer is yes, but you should check your policy and ask the insurance provider to determine what type of coverage you have for funeral expenses. Generally speaking, both term and whole life insurance provide death benefits. However, you can always get dedicated funeral insurance if you anticipate that your funeral costs will be high.

Overview of Cremation Costs in Ontario (Infographic)

Breakdown of cremation expenses

Cremation Expenses vs Traditional Burial Expenses

While basic cremation excludes services like flowers, stationery, and obituaries, these can be added at an extra cost. Alternatively, opting for a cremation with a memorial service incurs higher costs but remains more affordable than a traditional burial service.

Here’s a detailed comparison table that outlines the expenses associated with a traditional burial versus a cremation:

Expense CategoryTraditional Burial CostsCremation Costs
Death Certificate & Registration$5,000 – $15,000Included in Professional Services
Transfer Service$5,000 – $11,000Included in Professional Services
Funeral Home$2,000 – $12,000$250 – $500
(Professional Services)
Church Ceremony$4,000 – $12,000Not Applicable
Flowers$5,000 – $10,000Variable
Reception$7,000 – $11,000Variable
Cemetery Costs$5,000 – $10,000Not Applicable
Cremation CostsNot Applicable$575 (Cremation Fee)
Cremation CasketNot Applicable$50 – $400
Facilities UseIncluded in Funeral Home Costs$300 – $450
Additional ServicesVariableVariable
ESTIMATED TOTAL:$33,000 – $71,000$1,200 – $1,900
(Excluding Variable Costs)

Cremation: Provincial Differences

The table below provides a comprehensive overview of cremation laws and procedures across five Canadian provinces: British Columbia, Ontario, Alberta, Quebec, and Manitoba.

FeatureBritish ColumbiaOntarioAlbertaQuebecManitoba
Permit RequirementRequired for
Required for
Required for
The act applies
to various funeral
operations, including
cremation services
Licence required
for operating a
for Permit
Original death or
stillbirth documents
should be sent to a
hospital administrator
Similar to BC.Original Medical
Certificate of Death
and the Registration
of Death form
Specific documents
are not detailed
but involve various
funeral operations
Approval of plans
by an engineer
and the minister;
licence issued by
the Public Utilities
Who Can Arrange
Legal for family/friends
to arrange
Similar to BCLegal for family/friends
to arrange
Specifics not
detailed; various
operations regulated
under the Funeral
Operations Act
Crematorium operators
must be licensed.
burials, cremation
Similar to BCSimilar to BCEmbalming, viewing
services, cremation
Cremation, with
specific regulations
for the operation
of crematoriums
Hospital administrator
issues permit
Similar process
as BC
Similar process
as BC
A funeral services
business license
and an embalmer’s
license are required
for offering funeral
and embalming
Crematory construction
and operation require
certification and
licensing and must
be operated by

Key Advice from MyChoice

Below are a few life insurance-related recommendations to help you alleviate some of the funeral-related expenses, such as the cost of cremation.

Plan for the Future with Comprehensive Life Insurance

We recommend securing a life insurance policy that provides peace of mind for you and your loved ones and encompasses coverage for a range of traditional or green funeral services catering to individual preferences and environmental consciousness.

Evaluate Your Coverage for Additional Services

Review your insurance policy to ensure flexibility in covering a range of funeral services, including emerging sustainable practices and comprehensive coverage that aligns with personal and environmental considerations.

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