The information on this page is intended to help you make financial decisions about what services and items you may have to pay for in the event of a funeral.
On this page
- Funeral services
- Memorial services
- Planning ahead for your funeral
- More information on funerals
Cemetery costs vary widely. Before you sign an agreement to purchase a burial plot, ask for a written statement listing all costs and a copy of the cemetery's rules and regulations.
- Think carefully about spending more than you can afford. Consider asking a trusted friend or relative to accompany you when you decide which casket to buy.
- A casket is not required for cremation but the crematory may require the use of a cremation container.
- You may be able to use a casket or urn acquired from a source other than the funeral home (i.e. another retail outlet or homemade). Ask what the rules are at the funeral home, and if there are fees for using your own casket.
- Embalming may incur extra costs.
- When transferring the deceased by air or other methods of non-local travel, embalming may be legally required, unless embalming is contrary to religious beliefs.
- Cremation usually costs less than burial.
- Some funeral chapels and crematoria require that the body be placed in a cremation container that is combustible, of rigid construction and equipped with handles. You may supply your own container that meets these specifications.
- Most crematoria and funeral homes will provide temporary storage of the ashes until you decide what is to be done with them. You may also choose to bury the ashes in a cemetery plot.
A funeral is a ceremony or service held after a person's death and will usually include the person's burial or cremation.
In most provinces and territories, funeral homes and cemeteries are required to provide families with a detailed cost breakdown of all the products and services they provide. This will help you to select only those services you require and can afford.
Costs to consider
The following services are usually included in the price of the funeral home or cemetery charges:
- Moving the body to the funeral home
- Using funeral home facilities
- Embalming and cosmetic application
- The price of the casket
- Using a hearse for transportation to the cemetery or crematorium
- Arranging funeral services
- Registering the death and obtaining the Burial Permit
- Preparing newspaper death notices or obituaries
Flowers, receptions, programs and publication of obituaries will add to the cost.
A memorial service is usually held without the body being present. For example, the body may have already been buried or cremated. If the family and friends of the deceased do not live close by, a memorial service is often held at a time when all can meet. Arrangements are usually simple and may reduce costs.
Planning ahead for your funeral
Prearranging a funeral service
Some provinces require notification be given on the purchases of a pre-arranged funeral services.
When looking for a pre-arranged plan, ask the following questions.
- Does the funeral home have a good reputation?
- What are your payment options?
- How are funds deposited into trust?
- Does the contract specifically describe all goods, services and fees?
- Is there a plan to cover the increased cost of the prearranged service due to inflation?
- Is the pre-arranged agreement a guaranteed contract? Some provinces only permit pre-arranged agreements if there is a guaranteed contract.
- Is there a cooling-off period for you to reconsider the pre-arranged agreement and cancel it with no penalty?
- What happens if you move? Can you transfer your pre-arranged agreement to another funeral home, if you move or for any other reason?
Once your arrangements are made, make sure you keep your documentation in a safe place and inform any family or friends of where they can find the paperwork.
Buying a cemetery plot
You can also buy a cemetery plot and a grave marker in advance. Before signing a contract, ask questions. For example:
- What happens if you move or change your mind for whatever reason?
- What are your payment options?
- What penalty would apply if you failed to make the payments?
Mausoleums and columbariums
An alternative to buying a cemetery plot is to purchase a compartment in a mausoleum (a structure, wholly or partially above ground that is designed for a casket) or columbarium (a building or wall of niches designed for the storage of for cremated remains). Before signing or buying, make sure to ask questions about fees and services.
- What are you paying for?
- Is there an extra charge for the nameplate or a permanent vase?
- What are the payment options?
- Can you get a refund if you decide not to use the niche?
You should also ask about the visiting hours for a mausoleum or columbarium, because they are unlikely to be open all the time.
Memorial societies are voluntary, non-profit organizations dedicated to helping people arrange simple, dignified and inexpensive funerals in advance. They encourage the donation of bodies to medical science. Most memorial societies have either a legal contract or an agreement with one or more local funeral homes to provide services for members. Members indicate their desired arrangements in a given form. The society and/or the cooperating funeral home keep a copy of the form. If you move, your membership file can be transferred to the local memorial society near your new community.
Consider being an organ donor
If you want to donate organs, you will need to sign up to be an organ donor in your province or territory.
More information on funerals
The Government of Canada, the provinces and territories all regulate the funeral and burial industry. Municipalities also have by-laws regarding their local cemeteries.
For more information about funerals and burials in your province or territory, you may also contact your provincial or territorial consumer affairs office.
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