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OTIP’s Terms of Use

By accessing and browsing this website you accept and agree to be bound by and comply with, without limitation or qualification, the terms of use set out below. Please read these terms of use before using this website. If you do not accept and agree to be bound by the terms of use, please do not continue using this site. These terms of use may be changed from time to time without notice. Please ensure that you review these terms of use regularly.

In these terms of use, any reference to "we," "us," or "our" refers to OTIP (Ontario Teachers Insurance Plan).

Product and Website Availability

The services described in this website are available only to those who are Ontario residents, who have reached the age of majority in Ontario, and/or who possess the legal authority to create a binding legal obligation.

Information Accuracy

All information on this website, including quotations and information relating to premiums, is subject to change without notice. We strive to provide accurate and up-to-date material on this website. However, we make no warranties or representations and there are no conditions as to the accuracy or timeliness of the material provided on this website. We assume no liability or responsibility for any errors or omissions on this website.

Obtaining an Insurance Quote

This website offers a secure way of comparing insurance quotes from competing providers. To obtain the most accurate rate and to maximize your eligibility for discounts, it is important to provide accurate information. If, as part of the purchase process, information provided to insurers is subsequently established to be false, an insurance policy may be voided.

By clicking on certain buttons marked "yes," "next," "confirm," "continue" and any other similar descriptions, you agree that making these selections constitutes authorization to proceed to the next stage of the quote process.

Ownership of Intellectual Property

Content of this website is the copyright of Ontario Teachers Insurance Plan (OTIP) and is protected under the Federal and Provincial laws and regulations of Canada. All rights reserved. The information on this website may not be reproduced, or distributed in whole or in part without the prior written consent of OTIP which may be arbitrarily withheld.

Any infringement of these rights will result in appropriate legal action. General informative content articles may be used for the purposes of social media and links may be created to this site as part of newsgroups, blogs and bulletin boards provided the source of the material is credited and clearly indicated to OTIP.

Group Benefits Card Disclaimer

Use of this card authorizes the following to collect, use and exchange information for purposes of plan administration, adjudication/investigation of claims, and patient safety: OTIP, its insurer and their reinsurers and service providers, the Plan Member, and persons/entities with personal information about the Plan Member, spouse and dependants, including pharmacies and healthcare providers. All Plan conditions apply. This card is not transferable. Review OTIP's Privacy Policy.

Website Security

The Internet is not entirely secure and the confidentiality of certain information cannot be guaranteed. This website has security measures in place to protect the loss, misuse and alteration of the information under our control. Any unencrypted email communication over the Internet is subject to possible interception, loss and alteration. We do not encourage anyone to send information, including personal information, to us using unencrypted email. You acknowledge and agree that we, our agents, administrators, employees and affiliates shall not be responsible for any damages you or anyone else may suffer as a result of the transmission of confidential or sensitive information over the Internet, and that all such communication will be at your own risk. For more information, please read our Privacy Policy carefully.

We monitor customer traffic patterns in order to improve site design for our clients. We may provide aggregate statistics about our traffic patterns and related site information to reputable third-party vendors, but these statistics will never include any personally identifiable information.


Neither OTIP nor any of their third-party administrators and agents, employees, directors, officers, trustees and affiliated companies and participating insurance suppliers, nor any other party involved in creating, producing or delivering this website, shall be liable for any loss, harm or damage, including, without limitation, any direct, indirect, special, third-party or consequential damages, howsoever caused, to any person as a consequence of, or arising out of, your access to, or use of, this website or any material from this website, even if we have been advised of the possibility of these damages. You agree that the use of this website, and any sites linking to or from this website, is entirely at your own risk.

Interpretation and Jurisdiction

If any term or condition is found, in whole or in part, to be unlawful, void or for any reason unenforceable, then that provision shall be deemed to be severable from the rest of the provisions and shall not affect the validity and enforceability of any of the remaining terms and conditions.

You agree that the laws of the Province of Ontario, Canada, govern any use of this website and any issues which may arise with regard to this website, without regard to rules relating to conflict of laws, including with regard to any dispute arising out of your use of this website or material from this website. The courts of the Province of Ontario shall have exclusive jurisdiction over all such claims.

Cookie Management

At the OTIP Group of Companies1 (“OGC”), we value your privacy. Like many companies, we use cookies to enhance your browsing experience, serve personalized ads or content, and analyze our traffic. We provide you with the opportunity to customize your cookie preferences when you first visit our website, and to change your mind about your consent at any time.

What are cookies?

Cookies are small text files that are used to store small pieces of information. They are stored on your device when the website is loaded on your browser. These cookies help us make the website function properly, make it more secure, provide a better user experience, and understand how the website performs and to analyze what works and where it needs improvement. 

How do we use cookies?

We use cookies:

  • To facilitate your user session with us by storing session information to ensure that the data is passed on in proper sequence from step to step. The cookie itself is stored on your own computer and does not contain any personal information.
  • To customize content, marketing and advertising, to provide social media features, and to analyze traffic to the site. We also share non-personally identifiable information about your use of our site with our trusted social media, advertising and analytics partners. 
  • To help us better evaluate the effectiveness of our advertising and to determine the behaviour of visitors on our website in an effort to provide you with an enhanced customer experience.

First-party cookies come from the site you are currently using and are mostly necessary for the website to function the right way. They do not collect any of your personally identifiable data.

Third-party cookies are cookies placed by our business partners from a different website. They are mainly used on our website for understanding how the website performs, how you interact with our website, keeping our services secure, providing advertisements that are relevant to you, and all in all providing you with a better user experience by improving your future interactions with our website. 

Session cookies are stored temporarily on your computer or device while you use the website, and are deleted when you close your internet browser. 

Persistent cookies remain on your computer or device after you have closed your browser, so we can remember if you have visited our website before or your preferences.  

Types of cookies we use

We categorize cookies into 4 types depending on their function.

Cookie Type



Necessary cookies are required to enable the basic features of this site, such as providing secure log-in or adjusting your consent preferences. These cookies do not store any personally identifiable data.

Functional Functional cookies help perform certain functionalities like sharing the content of the website on social media platforms, collecting feedback, and other third-party features.
Analytics Analytical cookies are used to understand how visitors interact with the website. These cookies help provide information on metrics such as the number of visitors, bounce rate, traffic source, etc.
Performance Performance cookies are used to understand and analyze the key performance indexes of the website which helps in delivering a better user experience for the visitors.
Advertisement Advertisement cookies are used to provide visitors with customized advertisements based on the pages you visited previously and to analyze the effectiveness of the ad campaigns.
Uncategorized Other uncategorized cookies are those that are being analyzed and have not been classified into a category as yet.


Other technologies that we use

Web beacons, and single pixel gifs, which are small image files that contain information about you, such as your IP address, that can be downloaded when you visit a website or open an e-mail. This allows us to understand your online behaviour, monitor our email delivery, and provide you with interest-based advertising. These tools also allow our third-party tracking tools to gather information, such as your IP address, and provide this back to us in an anonymized, aggregate form (i.e., in a manner that prevents us from identifying you personally). Aggregate information refers to personal information compiled and expressed in a summary form where no personal identifiers are included. Unlike cookies, web beacons are not stored on your device. 

Manage your cookie preferences

On our website:

Cookie Settings

You can change your cookie preferences any time by clicking the above button. This will let you revisit the cookie consent banner and change or withdraw your consent right away. If you do turn off cookies, remember that you may not be able to use all the services on our websites.

Find out how to manage cookies on popular browsers:

By Google Analytics:

We may use cookies from Google Analytics to analyze your use of our websites, to create reports about visitor activities for us and to provide further services associated with the use of the websites and the Internet. Although this information is collected through your Google ad settings, it is not provided to us in a personally-identifiable format. If you would like to opt out of Google’s ad settings, please go to or use the Google opt out browser add-on.

Links to other websites

Please note that this document does not apply to, and we are not responsible for, the privacy practices of third party websites, which may be linked to or accessible through this website. We recommend you read their policies.

You can find out more about how we manage your personal data in our Privacy Policy.

1The OTIP Group of Companies includes:

  • Ontario Teachers Insurance Plan
  • OTIP/RAEO Benefits Incorporated
  • OTIP/RAEO Insurance Brokers Inc.
  • Curo Claims Services Inc.
  • TW Insurance Services (Orbit)
  • Assurance Jean Claude Leclerc Inc. (Orbit)
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