Cremation vs burial: Key facts to help you plan ahead

For most of us, end-of-life planning isn't something we think about until we have to. It's emotional, overwhelming, and full of decisions we'd rather avoid.

But making these choices early (like deciding between cremation vs burial) can provide clarity and financial security, ensure your final wishes are followed and — most importantly — give your loved ones peace of mind.

One of the biggest decisions in funeral planning is whether to choose cremation or burial. What's right for one person may not be right for another. By understanding the key differences, you can make an informed decision that aligns with your values, your beliefs and eases the burden on your family.

What are the costs of a funeral?

Funerals in Canada can be expensive. In fact, many people underestimate how much they actually cost.

While 79% of Canadians expect to pay for funeral expenses, fewer than half have considered other related costs like household bills that continue after death, credit card and loan payments, legal fees and estate settlement costs, and unpaid medical bills.

According to Greenstone Financial Service’s An Ounce of Prevention study, an average funeral costs around $9,197 in Canada, but 4 in 10 Canadians believe it costs significantly less. That’s why it’s crucial to consider all expenses — including funeral home services, burial plots, and cremation services — to avoid financial strain on your loved ones.

Cost comparison: Cremation vs burial costs in Canada

• Cremation: $2,000 to $5,000 (on average)
• Burial: $5,000 to $10,000 (on average)

Source: Reporting by CBC

Some common funeral expenses to keep in mind are:

• Basic service fees – Things like transporting the deceased, body preparation, and hiring a funeral director.
• Additional services – Such as embalming, a casket, floral arrangements, and a graveside service.
• Burial plot or cemetery plot – One of the most expensive aspects of a traditional funeral service, with prices varying based on location and availability.

Cremation in Canada

More Canadians are choosing cremation, and for good reason — it's often more affordable, flexible, and convenient. In fact, cremation rates have risen by 30% since 2000, reaching 73% in 2020, and 64% of us say they would prefer cremation over burial. But what else should you consider when it comes to cremation?

Environmental impact of cremation

Cremation generally has a smaller environmental footprint than traditional burials, as there's no need for a burial plot or embalming chemicals. However, the cremation process does release carbon emissions. So, if sustainability is a priority, look for cremation providers that use greener practices.

Cultural significance of cremation

For centuries, different cultures have had their own beliefs about cremation. Some religions embrace it, while others prefer burial for spiritual reasons. For example, devout Hindus from Varanasi, India (one of the oldest continuously inhabited cities in the world) believe cremation is a highly desirable way of celebrating the life of those who have passed.

In places like Tibet and Laos, cremation is reserved only for highly respected members of the community or those who have lived a peaceful and prosperous life.

In modern times, many families choose cremation because it allows for a memorial service at a later date or for the cremated remains to be kept in a cremation urn, scattered, or placed in a final resting place that holds special meaning.

Cost of cremation

Cremation costs depend on the services chosen, but it's often more affordable than burial. Direct cremation (without embalming, a viewing, or a service) is the most budget-friendly option. However, keep in mind additional costs like a funeral service, upgraded or keepsake urns, and space in a cemetery niche or columbarium.

Burial in Canada

Though cremation is growing in popularity, traditional burial remains an important choice for 18% of Canadians, particularly those whose religious or cultural traditions require human remains to be buried within a certain period. Others prefer a graveside service and a dedicated final resting place where family members can visit.

Cost of burials

Burial is often more expensive due to the number of services and logistics involved. Unlike cremation, burial requires having a permanent resting place, which adds long-term costs that can vary significantly. Things like burial plots, caskets, grave opening and closing fees, headstones or markers, and funeral home and burial services all add up.

So, if you're looking for a more affordable or flexible option, cremation or green burials may be something worth considering instead.

Eco-friendly green burials

For those concerned about sustainability, green burials are an option. These use biodegradable caskets and no embalming fluids, reducing environmental impact. Interest in eco-friendly burials is growing as more Canadians look for sustainable funeral planning choices.

Be prepared with end-of-life planning

72% of Canadians want to provide financial support for their family after passing, yet only 36% have shared their final wishes. Without a plan, family members may struggle with funeral decisions — or be burdened with unexpected costs.

Consider final expenses insurance

Many Canadians assume their Canada Pension Plan (CPP) death benefit will cover funeral costs, but that's not always the case. With funeral prices rising, having final expenses insurance can help cover funeral costs, provide a one-time payment (death benefit) to loved ones, and reduce financial strain on the family. Despite this, close to 40% of Canadians don't have life insurance — even though they want to avoid leaving financial burdens for their family.

Choosing between cremation vs burial is more than just about costs — it's about what feels right for you and your family. Whether you value tradition, flexibility, or sustainability, taking time to explore your options now means your wishes are honoured and your loved ones aren't left guessing.

Planning ahead doesn't have to be overwhelming. By considering your funeral arrangements, discussing your final wishes, and putting financial protections in place, you can ease the burden for those who matter most.

No matter your choice, North Cover is here to help. Our Final Expenses Insurance ensures your loved ones are supported — so when the time comes, they can focus on honouring your memory.