How to Compare Funeral Quotes Without Overpaying (Ontario)

A practical guide to comparing funeral quotes in Ontario, using the GPL, asking the right questions, and avoiding hidden fees.

7 min read•By Editorial Team•Updated January 25, 2026
Quote AQuote BQuote C$3,200$2,400$4,100Compare Funeral Quotes

Most families do not compare funeral home prices. They call one place, often the one a hospital or hospice mentioned, and accept the quote.

This is understandable. You're grieving. You want it handled. But the difference between funeral homes can be thousands of dollars for essentially the same service.

Why Comparing Matters

In our research across Ontario funeral homes, we've seen:

  • Direct cremation ranging from $1,500 to $4,500 within the same city
  • Traditional burial packages from $7,000 to over $20,000
  • "Basic" services fees varying by $2,000 between providers

These aren't quality differences. They're pricing differences.

How to Actually Do It

Step 1: Call 2-3 funeral homes

You do not need to visit. Phone calls work fine. Many families feel awkward calling around for prices, but funeral homes are businesses. You have every right to know costs before deciding.

What to say: "My [family member] has passed away. Before we make any decisions, I'd like to understand your pricing for [cremation/burial]."

Step 2: Ask for the same things

To compare fairly, get quotes for identical services:

For cremation: - "What's your complete price for direct cremation?" - "What's included in that price?" - "What would a cremation with a memorial service cost?"

For burial: - "What's your simplest burial service with a casket?" - "What does a traditional burial with viewing cost?"

Step 3: Get itemized quotes

Never accept just a "package price." Ask for a breakdown showing:

  • Professional services fee
  • Transfer/removal fee
  • Preparation (if any)
  • Facility use
  • Vehicle costs
  • Merchandise (casket or urn)
  • Third-party fees (crematory, cemetery)

Step 4: Watch for these hidden costs

Things that often surprise families:

  • Death certificates: You will need 3 to 5 copies, at $45 each
  • Weekend or evening pickup: Can add $100 to $400
  • Facility fees: Sometimes charged even for direct cremation
  • Obituary preparation: Some charge separately, some include it
  • Transportation beyond a certain distance: Per-kilometer charges add up

Questions That Reveal True Costs

  • "What's your non-declinable fee?" (the professional services fee you can't opt out of)
  • "What would you recommend for a family on a budget?"
  • "What do most families in our situation choose?"
  • "Are there any fees you haven't mentioned yet?"

What "Good" Looks Like

A straightforward funeral home will:

  • Give you prices without pushing you to visit
  • Email or mail you a complete price list
  • Explain what's included and what's extra
  • Not pressure you to decide immediately
  • Acknowledge that price matters to many families

When Comparing Feels Wrong

Some families worry that comparing prices is disrespectful or cold. It's not.

Your loved one would not want you to overpay during an already difficult time. Being informed is not about cutting corners. It is about making choices that work for your family.

Last updated: January 2026. See our how to compare quotes guide for more detail.