Updated September 29, 2026 · SumCue Editorial Team
LowestRates.ca vs Yupwego
LowestRates.ca
Higher score in this comparison
Yupwego
Where LowestRates.ca and Yupwego differ
| Compare | LowestRates.caReviewSee alternativesSee alternatives | YupwegoReviewSee alternativesSee alternatives |
|---|---|---|
| Premium from | CA$0 | €1.40 |
| Insurance types | Auto, Home, Life, TravelCovers more | Travel |
| Provider type | Comparison site | Broker |
| Monthly payments | YesHas it | No |
| Cover limit | Not confirmed | Medical expenses up to EUR 1,000,000 |
| Claims channels | Not confirmed | Phone, Email, Online portal |
| Age range | Not confirmed | up to 85 years |
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Key differences
- LowestRates.ca scores higher overall: 8.8 vs 8.7.
- Founded is lower at LowestRates.ca: 2012 vs 2018.
- Monthly payments: only LowestRates.ca.
- Insurance types: only LowestRates.ca offers Auto, Home, Life.
- Support channels: only Yupwego offers Phone, Chat.
Our verdict on each
LowestRates.ca
LowestRates.ca suits Canadian households who want to price cover, borrowing and a mortgage in one pass, because it is a comparison site and a marketplace rather than a provider of its own. Entry premiums start at CAD 0, personal loans run CAD 500 to CAD 45,000, and early repayment is free.
Yupwego
Yupwego is a broker for expats and seniors travelling abroad, with premiums from €1.40 and medical expenses to Medical expenses up to EUR 1,000,000. It suits buyers who settle a travel policy in full and want cover for a single trip.
Score breakdown
| Area | LowestRates.ca | Yupwego |
|---|---|---|
| Cost | 9.5HigherCosts sit low across products: the loan origination fee is 0 and the mortgage product fee is CAD 0, against an APR of 10%. | 8.9Premiums start at €1.40, under the travel median €7.93, and each policy is paid in full at the start. |
| Offer | 8.6 | 8.8Higher |
| Trust | 8.3 | 8.4Higher |
Availability and regulation
| Country | LowestRates.ca | Yupwego |
|---|---|---|
| France | Not confirmed |
Additional countries for LowestRates.ca: 1. Additional countries for Yupwego: 1.
Where these facts come from
LowestRates.ca
- lowestrates.ca: 9 facts, checked September 26, 2026
Yupwego
- yupwego.com: 12 facts, checked September 26, 2026
How they place
| Ranking | LowestRates.ca | Yupwego |
|---|---|---|
| Insurance | 390 of 627 | 441 of 627 |
| Travel insurance | 203 of 278 | 228 of 278 |
Every fact side by side
| Fact | LowestRates.ca | Yupwego |
|---|---|---|
| Audience | Not confirmed | Expats, Seniors |
| Pricing model | Monthly | Not confirmed |
| Legal entity | Rates.ca Group Ltd. | Yupwego, SAS (RCS Lyon no. 842336349) |
| Headquarters | Canada | France |
| Founded | 2012Lower | 2018 |
| Support channels | Help centre | Phone, Chat, Help centreCovers more |
Loans
| Fact | LowestRates.ca | Yupwego |
|---|---|---|
| APR | 10% | Not confirmed |
| Loan amount | CA$500 to CA$45,000 | Not confirmed |
| Arrangement fee | 0 | Not confirmed |
| Credit check | Soft prequal | Not confirmed |
| Funding time | within 24 hours | Not confirmed |
| Lender type | Marketplace | Not confirmed |
| Free early repayment | Yes | Not confirmed |
| Eligibility | 18 or older, Canadian residency, Canadian bank account, minimum 12 months credit history, minimum income $1,250 per month, employed at least three months | Not confirmed |
| Loan types | Personal, Debt consolidation, Business, Car, Bridging, Student | Not confirmed |
| Use cases | Home improvement | Not confirmed |
Mortgages
| Fact | LowestRates.ca | Yupwego |
|---|---|---|
| Initial rate | 3.89% | Not confirmed |
| Fixed period | 5 years | Not confirmed |
| Maximum loan to value | 80% | Not confirmed |
| Product fee | CA$0 | Not confirmed |
| Purpose | Purchase, Remortgage, First time buyer, Home equity | Not confirmed |
Pros and cons
LowestRates.ca
Pros
- Premiums start at CAD 0, the floor of the insurance table and the easiest figure to sort on.
- Personal loans run CAD 500 to CAD 45,000 and the credit check is soft prequal, so a reader can see the price without a full search.
- Free early repayment is available, so a loan can be cleared ahead of schedule without a charge.
Cons
- Support runs on help centre only, so a question about a live application has fewer routes than a staffed desk.
- Loan amounts run CAD 500 to CAD 45,000, so a renovation or consolidation bill near the top of that range needs a different product.
- The fixed period of 5 is short against a wider market where the longest fixes reach 40.
Yupwego
Pros
- Medical expenses are covered to Medical expenses up to EUR 1,000,000, a stated limit on the policy.
- The age range runs up to 85 years, and the range is built for expats and seniors.
- Claims can be raised by phone, by email or through the online portal (phone, email and online portal).
Cons
- A policy is paid in full at the start rather than by monthly payments, so €1.40 is the whole cost for a trip.
- The insurance types listed are travel, so the book is aimed at a trip rather than a household's whole insurance needs.
- As a broker rather than an insurer, the contract and the claim payment sit with the insurer named on the policy.
Who each suits
LowestRates.ca
Who it suits
- Canadian households comparing auto, home and life cover who want a starting price before they apply.
- Borrowers who would rather see a rate than have a file searched, since the loan search runs as soft prequal.
- Homebuyers with a purchase or a remortgage in view, since mortgage quotes cover purchase, remortgage and first time buyer.
Who should look elsewhere
- Readers who want a single provider behind the cover rather than a table, where Linxea sets its own starting premium of €25.
- Anyone starting from a bank app rather than a comparison, such as bunq or bunq Spain, which also show a starting premium of €0.
- Applicants without Canadian residency, a Canadian bank account and a credit history of a minimum length.
Yupwego
Who it suits
- Expats and seniors whose trips fall inside up to 85 years, buying cover ahead of departure.
- Travellers who want Medical expenses up to EUR 1,000,000 of medical expenses covered on a single journey.
- Buyers comfortable with a broker and paying €1.40 up front.
Who should look elsewhere
- bunq, whose €0 premium belongs to a bank account rather than travel cover.
- bunq Spain, where €0 prices a bank account rather than a trip.
- Linxea, where the €25 figure sits well above the €1.40 start rate for cover.
Current offers
Yupwego
Current offer
Discount code
SimWeGo travel eSIM discount for Yupwego customers: Promotional code YUPWEGO5 applied automatically at checkout
Applies to SimWeGo travel eSIM orders placed via the Yupwego eSIM link
Source, checked September 26, 2026
Country by country
| Country | LowestRates.ca | Yupwego |
|---|---|---|
| Canada | Yes | No |
| France | No | Yes |
Questions about each
LowestRates.ca
What is the starting premium at LowestRates.ca?+
Entry premiums start at CAD 0, which is the figure shown at the top of the insurance table. Because LowestRates.ca is a comparison site, that is a starting point for cover rather than a quote for an individual risk. The price a reader pays is set by the insurer that returns the quote.
Can I pay for insurance monthly?+
Monthly payments are available on the insurance side, with monthly as the listed payment model. That spreads a policy into regular amounts across the year rather than a single larger payment. Readers who budget tightly can plan around a fixed sum instead of a yearly bill that lands at once.
Yupwego
What does a Yupwego travel policy cost?+
Premiums start at €1.40, which sits below the €8.31 median across policies on the site. The figure is a starting rate for a single trip, not a plan price, and most travel policies on the site start at €2.23.
Can I pay a policy monthly?+
The answer on monthly payments is no, so the premium from €1.40 is settled in full when the policy starts rather than spread across the year. Support runs on phone, chat and help centre for questions before you buy.
Other options to compare
Other matchups
LowestRates.ca
Yupwego