Hi William. I think on LuckyMobile the voice just stops working unless you topup for another 30 days. The Data will still work, at a very slow speed, when you run out of your Data amount. If you choose automatic topup, another $15 is charged on your credit card or bank account. There is something called a Service Pass which you can buy for $3 or $5, for each service such as voice or Data or text, for 30 days, if you run out of voice or Data. Not sure why you would want this, rather than just topping up for another 30 days?
With Koodo, I believe that if you use up your 100 outgoing voice minutes, then you would get charged 70 cents per minute for outgoing voice, until you paid for the next 30 days service. With the Data, Koodo will send your warning messages as you near the end of your limit and then will pause your Data when your limit is reached.
I believe that's correct, Bill. I think I read it in the fine print.
One thing to warn you about Koodo that I found out the hard way. If you upgrade your plan, even temporarily, you can't downgrade back to the $15 plan. The cheapest plan you can downgrade to is the next one up at $35/month and you can't make the change online. You have to call in. They only offered to bring it down to $25/month after I bitched at them (it was a nice bitching

but I wouldn't have it and switched her over to Lucky.
The other thing, and this might be true with Lucky Mobile too, is that they use an automated chat system for support, at first. You can get call support but the info for it is buried. Best just to type in something like "I want a callback" and it'll set you up. That's how they do it, a callback that you can schedule.
I got a great deal with Koodo last year. I needed a new phone so got a plan. I switched to them from Freedom because they were offering a Chromebook for doing so. It was an older Chromebook but unlike with phones, I will keep getting updates for it until 2027.
Freedom Mobile has a plan for $129/year that gives you unlimited voice and text across Canada. $100/year if you're only making calls
from within their network. Not sure if their Peterborough zone stretches up to Lindsay. They don't give you any free data although I think you can add it. And it's 4G speed.