1.8/5 (17 Reviewers)
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Founded in 1999, Pembridge Insurance Company has established a strong reputation offering a comprehensive range of personal lines insurance products designed to meet the needs of Canadians. Read and leave reviews for Pembridge Insurance below.

Pembridge Insurance Company

HeadquartersMarkham, Ontario
Employees*250 (2018)
Insurance Products**Auto, Homeowners, Tenant, Condo, Seasonal Home, Boat, Builder’s Risk, RV, and Motorcycle Insurance.
Provinces LicensedAB, NB, NS, ON
*Insurance coverage and availability may vary by province. Speak with your broker for details.
**Staff & resources shared with Pafco.

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Contact one of our brokers to learn about the coverage options available through Pembridge Insurance: rnSpeak with a broker today: 1-800-731-2228

Company Overview

Strategic, nimble and often first-to-market with new insurance products and services, Pembridge completes the personal lines insurance picture by providing customers with innovative and unique coverage solutions. As part of the Allstate Canada Group of Companies (ACG), Pembridge is backed by one of the largest insurance companies in North America.

The company is very serious about establishing strong relationships with its clients, along with offering other benefits such as:

  • A wide range of products to protect your vehicles, home, recreational vehicles such as ATVs, motorcycles, snowmobiles and boats
  • A variety of additional coverage options to protect your lifestyle and valuable assets
  • 24-hour claims service who are there to help should the unexpected occur

Pembridge Insurance offers a wide array of coverage options to protect your home, vehicles and lifestyle, complimented by a a variety of discount options that can help save you money on the insurance that you need.

Insurance Products

Home Insurance

Pembridge Insurance can customize your policy to meet your needs, providing coverage for your structure, associated dwellings, and possessions. The company has a range of home insurance products that can help owners and renters to feel protected and secure.

Valuable Coverage Add-on’s include:

  • Home Based Business
  • Coverage for jewellery, fine arts, furs, and other valuable assets
  • Boat insurance
  • Broad Water Damage coverage
  • Home Warranty coverage which offers up to $2,000 to assist in the unexpected repair or replacement of major home systems, components or appliances
  • Identity Theft coverage
  • Legal Expense coverage

Auto Insurance

Pembridge Insurance Company has become known for its variety of auto coverage options for a wide range of vehicle types. Pembridge offers comprehensive protection for:

  • Cars
  • Trucks
  • Vans
  • SUVs
  • Antique and collectible vehicles
  • Artisan vehicles
  • ATVs
  • Motorcycles
  • Snowmobiles

Customers can save significant premium thanks to Pembridge Insurance’s wide range of discounts, including:

  • Multi-vehicle
  • Multi-line home and auto
  • My BRIDGE – savings up to 30% when good driving behaviour is observed through a telematics device
  • Mature drivers
  • Retirees
  • Education discounts for young drivers in school based on academic performance
  • Loyalty discount
  • Winter Tires

Get a Pembridge Insurance Quote

Get a Quote now

Contact one of our brokers to learn about the coverage options available through Pembridge Insurance: rnSpeak with a broker today: 1-800-731-2228

Pembridge Insurance Reviews

1.8/5 (17 Reviewers)
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Application Process
Claims Process
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Pembridge Insurance Company
Head Office:
27 Allstate Pkwy, Markham, Ontario L3R 5L7, Canada
Phone Number: 877-736-2743
Rating: 5 5 /5 stars

Excellent service

Rating: .5 .5 /5 stars

Worst insurance; Cheating & Fraud Company

Your quote that had I agreed…..
Total Estimated Automobile Premium2: $ 2774.00
Total Estimated Property Premium: $ 1778.00
Total Estimated Combined Monthly Premium: $ 390.71

From my account they take $540.44 for auto & 183.44 for house

After two months I asked why you taken extra money from my account, they send me this ….
New premium is be $ 5247 and Monthly $ 450.37 for your AUTO INSURANCE ONLY.

Still all this numbers don’t match With the new numbers also.Still talking with them?

Be careful with this insurance people. if there is a negative rating I will give them.

Rating: .5 .5 /5 stars

Worst Insurance Company

Made a claim two weeks ago and was told an appraiser would be set up within 4 business days for estimate. After two weeks, still no appraiser assigned. Claim adjuster has been no response to emails and voice mails, not even a single word of communication. It holds back everything for car repair. Worst service I’ve ever had. Take your money to someone else, absolutely not this company. I’d leave a negative rating if possible.

Rating: 1 1 /5 stars


ABSOLUTE FRAUDS!! DO NOT GO WITH THEM OR TALK TO [redacted] ESPECIALLY!!! Changed my policy somehow went from 333.00 a month to 1200… And then tried to charge me a month early renewal of almost 700… They refuse to explain anything.. Send you documents when it’s too late to stop the payments or just no documents at all. DO NOT DO IT!!! Says a one star but it’s a mistake.. – 100000

Rating: 5 5 /5 stars

Nice people , was well taken care of.

Rating: 5 5 /5 stars

Best insurance company in Ontario

They’re very helpful in providing good advices. Their premium is very competitive. I got a Covid-19 refund without calling them.

Rating: 1 1 /5 stars


These people, whom ever they might be, eroded my confidence in them because it took over 2 months to get an auto changed on my policy. Moreover, they repeatedly sent snail mail to me regarding winter tires on a vehicle I didn’t own any longer. The final straw was their almost doubling my auto renewal. I cancelled of course.

Rating: 1 1 /5 stars

Worst Insurance company in the world

This company is absolutely terrible. They take your money but don’t reply when you need them. They also make claims without checking the actual facts and police reports.


Mitch, I have been trying to get a hold of you for the last 2 months.

CLAIM #: PME506476

They can sell you insurance and take your money but when you have an actual claim, THERE IS NO ONE TO TALK TO!

They have a “face” company they are using called Buckley Insurance, they are up to no good. Buckley never informed me that I am insured with Pambridge until after the fact, if they did, I would not do it with them.

Stay away, Pembridge is not answering calls or reply to emails. They will screw you over when you actually need them.

Rating: 1 1 /5 stars


Worst company said i would paying 306.00 month for 2 cars.instead i get a statement in the mail and policy jump to 545.87.watch they rip you off.never again.shopping else where

Rating: 1 1 /5 stars

How stupid is this company

I got a house policy from a broker the wrote the policy . and the billing date was the 17th of the month a simple request can you change the billing date to the end of the month. They got back and said they couldn’t . All they do is collect money once a month and they could not do this simple thing and if I cancel I have to pay a cancellation fee. they are total assholes

Rating: 0.5 0.5 /5 stars


STAY AWAY FROM THIS INSURER!!!!! I’d give them zero stars if that was possible but unfortunately 1 is the minimum. I can’t believe how bad is their customer service after taking literally thousands of dollars of nothing. Been with them for over 2 years, never had a claim. I had to leave Canada and need insurance for 2 more weeks. They charged me for the whole month. And when I asked them for a no claim letter, they replied to me that there’s 70$ outstanding premium which the didnt inform me about before. After sending them 3 emails and getting the same responses explaining nothing, somebody finally told me that there was a hidden charges. And still didnt get my no claim letter.

Rating: 1 1 /5 stars

Money hungry thieves

I made a home claim three weeks ago because of a fire. The adjuster came in and encouraged us to stay in our camping trailer (2 teens, two adults, two dogs and a cat) instead of a hotel. He suggested since we had a lot of knick knacks that we do the cleaning because their value was less than what it would cost to pay the clean up crew to clean. The adjuster also suggested it was a good time to purge things we didnt use often (instead of claiming the items as a loss) They would not have a dumpster delivered for the demolition, the clean up crew had to pack their truck full of the debris before leaving every day. It was also suggested we bring our clothing to the laundromat and clean the smoke smell off them ourselves. Our jackets, sweaters and shoes were taken by a dry cleaning company while we were at a neighbours showering on a Friday so we had to go out and buy new shoes and jackets (average temp outside was -5C) over the weekend so kids had something to wear to school. The adjuster suggested it was a unnecessary purchase we should have spoken to him about first. The adjuster also suggested our expenses associated with living in the camping trailer ( disposable dishes, ready made food cuz we had no stove, propane for heat etc.) were not expenses associated with the fire, but regular every day costs of living not covered by the insurance company. This “cheaping out” at their client’s expense is disgusting, especially for a company connected to Allstate. It’s been three weeks into my claim, I have heard from my adjuster once since our first meeting. We have been treated like a huge inconvenience.

To top it off, on renewal, my premium went up 400.00 a year because there were a lot of flooding claims in our area. We were also penalized because I called Pembridge instead of my broker to ask what my deductible was should I need to make a claim. That call was marked on my record as a claim.

My past experience with another company was great compared to this. The adjuster then came in, told us we had nothing to worry about because they had everything covered, PLUS they reimbursed all my expenses no questions asked. I changed to Pembridge because they were the least expensive quote. I strongly regret that decision now that I am a huge inconvenience and nuisance to them because I have to actually file a claim. I am heartbroken and extremely stressed that I am going to have to fight to get any of what I am genuinely owed.

Rating: 1 1 /5 stars

Double charged!!!

I was quoted for 4555$ for 2 vehicle,so under 400$ monthly…and they charged 795$!!!after 2 months tried to get a hold of them and my broker…nothing…this was in September …we are in April and got the answer that there was a misunderstanding and they apologise…and that is it …I guess I have to accept their apology and be happy for paying 4000$…in 5 months…
I am in tears!!!Never felt so betrayed!!!
Ps.i just got the pink cards in the email…

Rating: 1 1 /5 stars

Slow Claim services,

Trust me, no-fault insurance in Ontario. The PEMBRIDGE insurance company will not stand from the client side. The adjuster goal is to use the least amount of money to settle the claim. I was involved in an accident. I am the listed driver in the policy but not the policyholder. I got rear-ended. At first, the insurance said because of lane change you caused the accident. you have to pay the deductible. (The repair is less than the deductible). Then I didn’t agree on that since the accident happened after the lane change. It was a rear ended accident. The insurance sends me to special investigation. After that, claim manager spoke to me and policyholder. Your car can be covered by the insurance company because of policyholder but we are going to sue the listed driver. They believe that is intentionally caused the accident. Therefore, the insurance company doesn’t cover any of damages and loss.

Based on what I see here, they are finding the different reason to charge you at fault so that they can pay out less. Also, they did not follow the Ontario Fault determination rule to determine the fault.

We are going to Ombudsman to get help. Asking General Insurance Ontario (GIO) for help.

I am very disappointed that being a client with Pembridge insurance then the insurance is file lawsuit to their client.


Very slow insurance services for accident reimbursement. Ex. Towing cost from the accident location to reporting center, and reporting center to repair body shop. Also, the replacement parts are not all from OEM. Some from after market and some from OEM. I emailed more than 3 times and left 2 voicemail to ask to call back from pem bridge. Never received a call nack or email.

Need to keep follow up with insurance company. Went to their office couple time. Then they will solve the problem for you.


Switched to Johnson insurance. Better rate and price. My friend had a claim, processed super fast.

Absolutely worst adjuster and claim manager. Got rear ended. Simple situation straight rear ended accident, could use Fault Determination Rules (FDRs) under Ontario Insurance Act. The insurance company is making us with complex procedure and claim process. We are going through Claim Adjuster -> Property Claim manager -> Field Investigator (I am here now)-> All-state ombudsman -> General Insurance Ontario (GIO) -> Court with lawyer.

Rating: 0.5 0.5 /5 stars

Quoted around $3500 for 2 cars. My payment was supposed to be around $300 a month. So my first payment came $444 and from $3500 they raised it to $4000. I think that is not fair for people with limited income to deal with this type of game. VERY DISAPOINTED

Rating: 1 1 /5 stars

worst customer service

the worst customer service I ever had with insurance companies

Rating: 5 5 /5 stars

good price

good price on my home insurance.