Auto, home, life and business insurance in Alberta are sold by private companies. Alberta's auto injury system is scheduled to change on January 1, 2027.
Auto insurance is mandatory and sold by private insurers. Every policy must include third-party liability (at least $200,000), direct compensation for property damage and accident benefits; collision and comprehensive are optional. Alberta's Care-First system is scheduled to start on January 1, 2027. Under it, your own insurer would pay medical, rehabilitation and income benefits whatever the fault, and suing the at-fault driver would be limited to specific situations. Some details were still being finalized when this page was last reviewed, so check the Government of Alberta's website for the latest.
Hail, wildfire and flooding have each caused major insured losses in Alberta. Standard home insurance usually covers fire, wind and hail, while flood is usually an optional add-on, so it's worth asking exactly what's included and what the deductible is.
The Alberta Insurance Council (abcouncil.ab.ca) licenses insurance agents, agencies and adjusters, and has a lookup tool for checking a licence. Complaints about an insurance company go to the Superintendent of Insurance.
Alberta's public plan is the Alberta Health Care Insurance Plan (AHCIP). It generally pays only part of emergency medical costs outside the province, and often much less outside Canada, which is why many travellers look at travel insurance. Read your plan's rules before you go.
Care-First, Alberta's new auto insurance system, is scheduled to start on January 1, 2027. If you are renewing or comparing auto insurance around then, ask your insurer or advisor how it affects your policy. Some details were still being finalized when this page was last reviewed, so check the Government of Alberta's website for the latest.
General information, not advice. Rules change, so confirm with your province or territory, your insurer or a licensed advisor. Facts on this page were last checked in November 2026.
Yes. Every policy must include third-party liability (at least $200,000), direct compensation for property damage and accident benefits. Collision and comprehensive are optional. Alberta's Care-First system is scheduled to start on January 1, 2027.
Private insurance companies, through brokers and agents. The province or territory sets the minimum coverage every auto policy must include.
Use the Agent and Agency Lookup tool on the Alberta Insurance Council's website, or contact the Council. An advisor should be glad to tell you which licence they hold.
It usually pays only part of emergency medical costs outside Alberta, and often much less outside Canada. Many travellers add travel insurance. Read your plan's rules before you go.
Yes. Tell us what you need and where you live, and we'll pass your request to a licensed insurance advisor who can help in Alberta. It's free, and talking to an advisor carries no obligation.