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Updated September 2026

PolicyMe vs Blue Cross

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Written By BestMoney
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BestMoney
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Reviewed By Edwin Gan
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BestMoney
Editor, Writer

Top 5 Lenders

Overall
Term
Whole
1
PolicyAdvisor
2
Emma
3
Equitable Life
4
IA Financial Group
5
BMO Insurance
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Insurance Details
Price Minimum
$14.52
$15
Insurance Term Minimum
10 years
10 years
Insurance Term Maximum
30 years
30 years
Claim Processing Time
1 week
1 week
Same-Day Coverage
No
No
Insurance Requirements
Age Minimum
18
18
Age Maximum
75
75
Medical Exam
No
Yes
Medical Questionnaire
Yes
Yes
Employment Information
Yes
No
Employment History
Yes
No
Canadian Resident
Yes
Yes
Income Details
No
No
Personal Information
Yes
No
AB Availability
Yes
Yes
BC Availability
Yes
Yes
MB Availability
Yes
Yes
NB Availability
Yes
Yes
NL Availability
Yes
Yes
NS Availability
Yes
Yes
NT Availability
Yes
Yes
NU Availability
Yes
Yes
ON Availability
Yes
Yes
PE Availability
Yes
Yes
QC Availability
Yes
Yes
SK Availability
Yes
Yes
YT Availability
Yes
Yes
Insurance Types
Term Life Insurance
Yes
Yes
Whole Life Insurance
No
No
Universal Life Insurance
No
No
Simplified Issue Life Insurance
No
No
Guranteed Life Insurance
No
No
Joint Life Insurance
No
No
Platform
Broker
No
No
Direct Insurer
Yes
Yes
Website
Yes
Yes
Mobile App
No
Yes
24/7 Support
No
No
Chat Support
No
No
Online Application
Yes
Yes
Online Claim Filing
Yes
Yes

Overview of PolicyMe vs Blue Cross

PolicyMe is a life insurance brand that offers a convenient way to get coverage online. Blue Cross is an insurance company offering life insurance in several different provinces, under provincial brand names.

Is PolicyMe better than Blue Cross?

PolicyMe seems to have a better customer experience than Blue Cross as they provide online resources that you can look through. Blue Cross is generally a group insurer, while PolicyMe is a place to get individual policies.

Is PolicyMe cheaper than Blue Cross?

PolicyMe may be able to provide cheaper insurance than Blue Cross. They are very competitive in the industry, however each individual situation may differ. Collect quotes before picking a policy to get the most savings.

Pros and cons of PolicyMe vs Blue Cross

Here are the pros that PolicyMe offers when compared to Blue Cross:

  • Convenient online user experience
  • Competitive pricing
  • Popular in the marketplace
  • Offers several types of insurance in one place
  • Offers coverage to anyone across Canada, brand isn’t specific to a province

Here are some cons when looking at PolicyMe vs Blue Cross:

  • This brand is newer and not as established

Key differences between PolicyMe and Blue Cross

The key differences between PolicyMe vs Blue Cross is that PolicyMe is an online brand that helps people get access to insurance policies through Canadian Premier Life Insurance Company. Whereas Blue Cross is itself an insurer.

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