Is embalming required in Ontario?

No, unless a body is being transported to another country or there are special circumstances.

Where can cremated remains be scattered?
  • Cremated remains may be scattered on private property with the consent of the land owner.
  • Cremated remains may be scattered on unoccupied Crown land and Crown lands covered by water.
  • Rights may be bought to bury or scatter cremated remains in a designated part of a cemetery.
  • Rights may be bought to place cremated remains in a columbarium.
Do I need to buy a casket?

One can buy or rent a casket but it must be appropriate for its intended use. The cost may be included in the cost of the funeral and may range from a few hundred dollars to many thousands.

If I preplan and prepay for my funeral but prices are higher when I die, will my estate have to pick up the difference in cost?
  • No, prices are guaranteed on contracts signed after July 1, 2012. If one cancels a contract within 30 days, the regulations provide that you get all of your money back. After 30 days, 10% is deducted from the money held in trust, up to a maximum of $350.
  • Prepaid funds are placed in trust with requirements for reporting both to the purchaser and to The Bereavement Authority of Ontario.  If a licensed funeral home or transfer service goes out of business, the consumer is protected by a compensation fund.
Are rules the same for insurance products to pay for a funeral?
  • No, two contracts are signed, one with the funeral provider and the other with the insurance company. After the initial “cooling off” period, the refund will most likely be subject to a cancellation fee, which can vary. It would be prudent to discuss the insurance provider’s cancellation policy before buying or cancelling a policy.

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