Best health insurance in Canada for 2025
Watch out!
Please use the filters below to select your province of residence, your age, your coverage status under the Provincial Health Insurance Plan, and your preferred level of care.
- Additional drug and dental benefits
- Access to text, audio, or video chat with a doctor on your computer
- Access to MyGoodHealth.ca
The Blue Cross Complete Health Essential Plan is a dependable option for individuals and families seeking comprehensive health coverage with essential benefits. This plan is well-suited for those looking for practical, everyday support for their health needs, covering a wide range of services without the cost of premium-level coverage.
With 70% reimbursement, this Blue Cross health insurance policy provides coverage for key health practitioner services, including physiotherapy, chiropractic care, and naturopathy, with a maximum of $400 per practitioner annually. Dental care is also robust, offering coverage for preventative treatments, cleanings, and fillings with no annual maximum. Accidental dental benefits are generous, with a $7,000 lifetime cap, ensuring protection for unexpected dental emergencies.
For vision and hearing care, the plan provides $150 for vision expenses every two years and $400 for hearing aids every five years, helping members maintain these critical aspects of their health. Prescription drugs are covered at 70% with no overall annual maximum, providing valuable support for ongoing medication needs.
Additionally, the plan includes an Accidental Death and Dismemberment (AD&D) benefit, offering up to $15,000 for the policyholder or their spouse and $5,000 for each dependent child. This added protection provides peace of mind for unforeseen events, ensuring financial security for your family in challenging times.
Ideal profile: The Health Essential Plan is perfect for individuals and families who want a balance between affordability and coverage. It suits those who need regular support for health practitioners, dental care, and prescriptions while appreciating the added safety net of AD&D benefits. If you’re seeking solid, everyday health insurance that doesn’t overextend your budget, this plan is a great match.
- 70% coverage for health services, dental care, and prescriptions.
- No annual cap on dental preventative services and fillings.
- Generous AD&D benefit for financial security in emergencies.
- Vision and hearing care benefits for ongoing needs.
- Does not include travel insurance coverage.
- Limited coverage for advanced dental procedures like orthodontics or implants.
- Practitioner visit caps may not suffice for high-need individuals.
- Designed to cover pre-existing conditions people may have
- Get instant access to your benefits with the GreenShield pay-direct benefit card
- No waiting period
The GreenShield ZONE 5 Choice plan is a well-balanced health insurance option for individuals seeking moderate prescription drug benefits, strong extended health coverage, and essential dental care. It offers comprehensive protection without the high premiums of top-tier plans, making it an excellent fit for self-employed individuals, retirees, and those without employer benefits.
Prescription drug coverage is set at 80% up to $5,000 annually, ensuring that regular medication users receive financial relief. Dental benefits begin at $800 in Year 1 and increase to $1,200 by Year 3, with 80% coverage for routine care and 50% for major procedures.
Extended health benefits are robust, with $600 per practitioner per year for chiropractic care, massage therapy, physiotherapy, naturopathy, and more. Mental health support includes $600 per year for psychologists and therapists, providing a strong foundation for emotional well-being. Vision care includes $250 every two years for eyewear and $80 for routine eye exams.
For travellers, the plan includes $5 million in emergency medical coverage for trips up to 30 days, making it ideal for vacationers or business travellers. Additional benefits include ambulance services, accidental dental coverage up to $10,000 annually, and hearing aid benefits of $500 every four years.
Like all GreenShield personal health insurance plans, the ZONE 5 Choice plan includes access to the GreenShield Pharmacy with free prescription delivery. You also get access to GreenShield+ app that allows you to submit claims online, track benefits, and print ID cards anytime.
Ideal profile: The ZONE 5 Choice plan is best for those who need balanced drug, dental, and health coverage without excessive costs. It’s particularly useful for those who require regular medication, routine dental care, and extended health services such as physiotherapy or chiropractic treatment. If you need higher drug coverage or orthodontic benefits, you may want to explore ZONE 6 or ZONE 7 plans.
- 80% prescription drug coverage up to $5,000 per year, offering strong financial support for medications.
- Progressive dental benefits, increasing to $1,200 annually by Year 3.
- $600 per year per practitioner for chiropractic, physiotherapy, massage therapy, naturopathy, and more.
- Emergency medical travel insurance with $5 million coverage per trip (up to 30 days), regardless of age.
- Free prescription delivery through GreenShield Pharmacy.
- No orthodontic coverage.
- Major dental services are covered but only at 50%.
- A perfect option for people group benefits in the last 60 days
- Great plan for vision and dental options
- Access to MySunLife Mobile App to manage your Health Coverage Choice plan online
The Sun Life Health Choice B plan is tailored for individuals or families seeking a comprehensive health insurance option that extends beyond basic coverage. This Sun Life health insurance plan ensures robust support in key areas such as prescription drugs, dental care, hospitalization, vision care, and paramedical services, while also providing optional dental benefits. It is particularly suited for those who want a well-rounded health coverage option with flexibility for additional needs.
Prescription drug coverage under this plan reimburses 80% of eligible expenses, up to an annual maximum of $1,300. Vision care is covered at 100%, up to $200 every two calendar years, which includes exams and corrective lenses. Extended health provisions include paramedical services, such as chiropractors and physiotherapists, with a combined annual maximum of $500 for all practitioners. The plan also offers dental benefits covering preventive and restorative care, reimbursing up to $700 annually.
Emergency travel medical insurance is a significant highlight of this plan, providing up to $1,000,000 lifetime coverage for emergencies during trips lasting up to 60 days. Hospital stays in semi-private rooms are supported with 85% reimbursement, capped at $5,000 annually. This comprehensive mix of benefits ensures that you are well-protected against unexpected health expenses.
Ideal Profile: The Health Choice B plan is ideal for individuals or families with moderate to high healthcare needs who value extensive coverage. It suits those seeking dependable insurance for major medical expenses, including dental and vision care, while ensuring robust travel medical coverage for peace of mind during trips.
- Extensive prescription drug coverage with a high annual maximum
- Comprehensive dental benefits for preventive and restorative care
- Generous emergency travel medical insurance
- Semi-private hospitalization support
- Excludes orthodontics and major procedures like implants
- Annual caps on some benefits may not be sufficient for extensive ongoing care
- Limited flexibility for those requiring specialized high-cost treatments
- Easy application and claim process
- Special rates for single parents and families
- Several wellness benefits
The Health Plus Priority Plan is tailored for individuals, families, and small business owners who want to balance comprehensive coverage with affordability.
One of the standout features of this Health Plus health insurance plan is its 70% reimbursement for prescription drugs, including an $8 dispensing fee, with an impressive annual limit of $30,000. For those seeking paramedical services such as physiotherapy, chiropractic care, or massage therapy, this plan ensures up to $600 per practitioner annually. Even better, the first $250 can be claimed directly without extra steps, making it hassle-free for regular visits.
Mental health support is another highlight, with up to $600 annually for psychologist and social worker sessions after the first year, along with five free counselling sessions included through the Member Assistance Program.
Under dental care, preventative care like exams, cleanings, and fillings, is covered at 70%, while major restorative procedures, such as crowns and dentures, are reimbursed at 50% after a waiting period. For vision needs, the plan offers $300 every three years for exams and eyewear, and hearing aids are reimbursed up to $500 every three years. Additionally, the plan includes $1,000,000 per incident for emergency medical travel coverage for trips lasting up to 60 days, giving you peace of mind when exploring new destinations.
Ideal Profile: This plan is perfect for individuals, families, and small business owners who need dependable, all-encompassing health coverage. It’s especially ideal if you’re looking for enhanced mental health support, substantial travel medical coverage, and broad dental and paramedical benefits. If you want peace of mind for both routine and unexpected health needs, the Health Plus Priority Plan is an excellent choice.
- Generous prescription drug coverage with a high annual cap of $30,000.
- Strong support for mental health services, including free counselling.
- Extensive travel emergency medical coverage for trips up to 60 days.
- Dental benefits that cover preventative care and major restorative work.
- Requires pre-approval for claims exceeding $250 for paramedical and mental health services.
- Major restorative dental coverage has a waiting period before full benefits apply.
- Orthodontics and fertility treatments are not included.
- A perfect option for people using more costly prescription drugs
- Access to TELUS Health Virtual Care
- Travel emergency health coverage included
The Manulife Flexcare® ComboPlusᵀᴹ Enhanced Plan is designed for those who want top-tier health insurance coverage with the flexibility to add benefits tailored to their unique needs.
This Manulife health insurance plan provides 90% reimbursement on the first $2,222 spent and 100% on the next $8,000, offering up to $10,000 annually. This generous limit ensures you’re covered for routine medications and more costly prescriptions.
Dental care is another strong point. The plan reimburses 100% of the first $500 spent and 60% of the next $700 per year, ensuring that your routine dental needs, including exams, cleanings, and fillings, are taken care of. It also includes advanced dental procedures such as crowns, bridges, and orthodontics, starting in the second year of coverage at 60% reimbursement. These benefits grow over time, demonstrating the plan’s long-term value.
For vision care, you’ll receive $250 every two years, covering optometrist fees, prescription lenses, frames, and even laser eye surgery. The plan shines in extended health care with a $250,000 lifetime maximum for services such as physiotherapy, chiropractic care, and hearing aids. And if travel is a regular part of your life, the plan includes $5 million in emergency health coverage for trips of up to nine days, with optional extensions available.
The plan provides accidental death and dismemberment (AD&D) insurance, offering up to $25,000. It also includes a survivor benefit, ensuring continued coverage for one year without premiums after the death of an insured adult.
Ideal profile: This plan is ideal for individuals and families looking for extensive health and dental benefits with the flexibility to add customized options. It’s particularly suited for those who value robust drug coverage, progressive dental care benefits, and comprehensive extended health and travel insurance. If you want a plan that grows with your needs and supports you during life’s unexpected events, this is an excellent choice.
- Exceptional drug coverage with a high annual maximum of $10,000.
- Progressive dental benefits that include orthodontics and major procedures.
- Extensive lifetime coverage for extended health services, including virtual care.
- Generous travel insurance with $5 million in emergency health coverage.
- Survivor benefit ensuring stability for your loved ones.
- Some exclusions, such as smoking cessation and over-the-counter drugs.
- Dental benefits for advanced procedures like orthodontics are only available from year two.
- Travel insurance coverage is limited to nine days without add-ons.
Did you know that over 30% of medical costs in Canada are not covered by your provincial healthcare? Most families end up paying this out of their pocket leaving them with a huge financial burden. That's why it's essential to have good private health insurance.
Private health insurance also helps you cover essential yet expensive services like dental care, vision care, and prescription medications, many of which are not covered or offered very limited protection by Canadian Medicare.
But how do you know which is the best plan for you? In this guide, we take you through the best health insurance plans in Canada, their coverage, pros and cons, and prices. We also share tips to find the cheapest health insurance. You can compare the plans and get quotes using our free comparator at the top of this page.
Top best health insurance plans in Canada
- Sun Life health insurance: Hassle-free policy access
- GreenShield personal health insurance: Plans for every budget
- Blue Cross health insurance: The most flexible choice
- Health Plus: Tailormade plans to suit unique needs
- Manulife health insurance: The most comprehensive options
- GMS health insurance: Comprehensive coverage
- CAA health insurance: The best bundling discounts
- Canada Life health insurance: Best guaranteed policies
- Desjardins health insurance: Wide coverage
Our top 9 Canada's best health insurance plans for 2025
Sun Life health insurance: Hassle-free policy access
Sun Life offers three health plans, all with differing levels of coverage which allows you to find a plan that is tailored to your specific needs. It has a comprehensive online portal and an app that allows you hands-on access to your claims and benefits information even while on the go.
The policies of Sun Life personal health insurance are a sensible choice if you do not have benefits through your employer, you are losing your group coverage, or if you would like additional benefits not offered by your employer’s or province’s healthcare (like AHCIP in Alberta, MSP in BC) and drug coverage.
Note that you must have provincial or territorial coverage to apply for personal health insurance.
Pros of Sun Life Health insurance
- Submit the claim online or via the app
- Quick and easy online quote
- Option of having a semi-private hospital room with all plans
- Reimbursement for paramedical services
Cons of Sun Life Health insurance
- Emergency travel medical, and vision are not included in the Basic plan
- Each family member must have the same plan
If you would like to explore further and get a Sun Life health insurance quote that is personalized to meet your unique needs, you can do so below and get results in a few moments.
For example
The premiums are determined by factors such as age, gender, optional extras, plan type, smoker status, lifestyle, and even province. For example, health insurance BC plans may not be the same as personal health insurance Ontario plans or health insurance Manitoba plans. A comprehensive Sun Life private health insurance policy including dental for a 40-year-old single, non-smoker woman in Ontario would cost $124.94 per month.
GreenShield personal health insurance: Plans for every budget
GreenShield is a versatile health insurance provider, offering two main plan categories—ZONE and LINK—to meet a variety of needs and budgets. ZONE plans provide many different levels of coverage for individuals and families, with tiers ranging from basic to premium options. These plans cater to those without group benefits and offer guaranteed acceptance for lower tiers. LINK plans are specifically designed for individuals transitioning out of group benefits, offering guaranteed acceptance and covering pre-existing conditions. (Applications for LINK plans must be received within 90 days of the group benefit end date.)
GreenShield stands out for its comprehensive reimbursement structure, which scales with higher-tier plans. For instance, prescription drug coverage reimburses up to 90% of eligible expenses in top-tier ZONE plans, while basic and preventive dental care is reimbursed at rates of 70–90% depending on the plan. Additionally, GreenShield includes generous maximums for vision care, professional services, and extended healthcare benefits, making it an excellent value for individuals with ongoing healthcare needs.
GreenShield also provides unique advantages, such as no age limits for emergency medical travel coverage and the convenience of its GreenShield+ platform, which allows customers to submit claims online, track benefit balances, and manage reimbursements via direct deposit. All plans offer services like telemedicine, access to GreenShield digital pharmacy with free prescription delivery, and mental health counselling ensuring a well-rounded health solution.
GreenShield is ideal for self-employed individuals, retirees, small business owners, and contract workers who need reliable, independent health insurance. Its ability to cater to various stages of life, along with the flexibility to choose coverage levels, makes it a trusted choice in the Canadian insurance landscape.
Pros of GreenShield personal health insurance
- Comprehensive health coverage with many plan options to suit different needs.
- Guaranteed coverage options with no medical exams.
- Easy application process online or over the phone.
- Lifetime coverage as long as premiums are paid, regardless of age or health changes.
- Includes multi-trip emergency medical travel coverage with no age limits.
- Convenient claims submission through providers or online, with direct deposit for faster payments.
- Access GreenShield+ online services and app for managing benefits anytime, anywhere.
- Free prescription delivery through GreenShield Pharmacy.
- 24/7 telemedicine access to Canadian-licensed healthcare professionals year-round.
Cons of GreenShield personal health insurance
- Premiums can be higher for guaranteed acceptance plans.
- Medically underwritten ZONE plans may exclude prescription drug coverage for pre-existing conditions.
- Orthodontic and major dental coverage become available only after three years.
Good to know
GreenShield personal health insurance premiums are determined by factors such as age, plan type, province of residence, and number of people on the plan (single, couple or family).
Blue Cross health insurance: Most flexible choice
The Canadian Association of Blue Cross Plans is a federation of non-profit insurance providers operating since 1938. They collectively insure over 7 million Canadians under their federally licensed coverage.
Blue Cross Health Insurance offers several medical insurance Canada plans that include health benefits, drug, and dental coverage. Blue Cross has tailor-made plans with varying coverages and policies across different Canadian regions. For instance, Ontario Blue Cross plans are different from Pacific Blue Cross BC plans.
However, Blue Cross Health Insurance Canada universally provides an easy-access online portal to manage your plans and claims. Blue Cross also offers add-ons like critical illness coverage and hospital expenses.
There is something for everyone, from people who do not have access to a group plan, to those who want to add benefits not offered by their employer’s or province’s healthcare program (like Ontario Health Insurance Plan).
For freelancers, there is a special self-employed package to meet their unique needs. There is also Blue Cross student health insurance for those in higher education or recent graduates.
Pros of Blue Cross health insurance
- Mix and match plans as needed
- Self-service options
- Submit claims online or via the app
- Discounts on medical vision care, health products & services via Blue Advantage
- Tailored Wellness Program
Cons of Blue Cross health insurance
- Preventive dental care is only available with dental add-ons in regions like Ontario, BC
If you would like to get a Blue Cross health insurance quote personalized to meet your needs, you can do so below and get results in a few moments.
For example
The premiums are determined by age, gender, region, extras, plan type, smoker status, and lifestyle. Let's take an example, Mikael is a 30-year-old man living in Toronto, who is healthy and has never smoked. He could expect to pay $29.73/month for the most basic Blue Cross plan. For more comprehensive coverage, with extensive drug and dental, the premium would be $174.58/month.
Health Plus Insurance: Tailormade plans to suit unique needs
Health Plus provides a variety of products including individual health, group, life, disability, travel, and critical illness insurance. They offer plans from providers like Manulife, as well as their exclusive health insurance products, Health Plus PRIORITY and OPTIMUM plans.
These in-house plans are underwritten by The Co-operators and administered by MDM Insurance Services. Key features of these plans include stable rates that do not increase with age and a streamlined online application and claims process.
Both the Health Plus plans provide comprehensive coverage for health, drugs, dental, and travel health, and unique wellness resources. These plans are backed by a dedicated family team, offering personalized service.
Health Plus is a good choice for those seeking affordable and flexible health coverage solutions.
Pros of Health Plus Insurance
- Health Plus plans are generally more affordable.
- Select the level of coverage that fits your budget and needs.
- Plans have free wellness benefits, including professional counselling.
- Travel emergency health coverage at no additional cost.
Cons of Health Plus Insurance
- Health Plus is unavailable in Quebec, currently.
- Certain practitioners require preapproval.
If you want to explore if Health Plus is the right choice, you can get a free quote tailored to your needs and budget.
For example
Here's an example of how much you could expect to pay for Health Plus plans. For single individuals, the PRIORITY plan costs $109.00, while the OPTIMUM plan is $142.00. Couples can expect to pay $207.00 for PRIORITY and $270.00 for OPTIMUM. These rates are consistent across Canada except Quebec. They include $30,000 in prescription drug coverage, up to $600 or $1,000 per person per year for paramedical services, emergency travel health coverage, dental benefits, and professional wellness benefits. OPTIMUM plan members also receive vision coverage.
The exact rate of your policy is based on your age, pre-existing conditions, and other factors. It is therefore recommended to get a personalized quote.
Manulife health insurance: The most comprehensive options
Manulife offers many comprehensive plans - whether you are looking for dental benefits, drug benefits, or a combination, you will be able to find a plan that works for your unique needs.
There is a comprehensive online portal offered by Manulife health insurance for easy access to policy information and to submit a claim online. All health and dental plans have the option to add Manulife Vitality which lets you earn rewards and save on premiums.
Manulife's plans could be a good choice for you if you do not have coverage through your employer, you are losing your group coverage, or if you would like additional benefits not offered by your employer’s or province’s coverage such as dental or medication-only coverage.
Pros of Manulife health insurance
- Manulife Vitality rewards program
- Submit claims online or via the app
- Option to choose dental-only, medication-only, or a combination plan
- Option of having private or semi-private hospital room with all plans
Cons of Manulife health insurance
- Some Manulife reviews note that hospital benefits are not automatically included
- Basic traveller’s insurance only covers the first 9 days of a trip
- No specific policy for retirees
If you would like to explore further and get a Manulife health insurance quote that is personalized to meet your unique needs, click on our partner's link below:
For example
The premiums are determined by factors such as age, gender, optional extras, plan type, smoker status, and lifestyle. A 30-year-old woman living in Toronto opting for a CoverMe ComboPlus Basic Plan without dental could expect to pay $96.90 / month towards Manulife Health Insurance Ontario plans.
GMS health insurance: Comprehensive coverage
GMS offers plans ranging from basic coverage to comprehensive health coverage, all of which have the option to add dental benefits and/or drug benefits. With GMS, you will be able to tailor a plan to fit your health needs.
They have a comprehensive online portal, My GMS, which allows for easy access to your benefit information and the ability to submit a claim online. Their travel plans for certain plans automatically add COVID-19 treatment coverage.
GMS health insurance Canada is a choice for you if you do not have benefits through your employer, are starting your own business, or would like additional benefits not offered by your employer’s or province’s public coverage.
Pros of GMS health insurance
- My GMS portal access
- Submit a claim online or via the app
- Counselling and speech therapy are covered in some plans
Cons of GMS health insurance
- Some GMS policy reviews online have criticized the limited dental plan
- Some reviews note that hospital benefits are not automatically included
- Vision and travel insurance not included in the basic plan
If you think GMS is right for you, you can now get a quote from GMS health insurance and get a policy that suits your needs and budget.
For example
The premiums are determined by factors such as age, gender, optional extras, plan type, smoker status, and lifestyle. A 24-year-old living in Ontario opting for a BasicPlan with drug coverage and good dental cover could expect to pay $83.25 per month.
CAA health insurance: The best bundling discounts
The CAA, or the Canadian Automobile Association, was founded more than 115 years ago. It is one of the largest not-for-profit automobile associations in Canada. It also offers CAA insurance packages, including health insurance Canada plans.
CAA has partnered with Manulife for over 20 years, allowing them to offer pre-packaged plans mix and match plans tailored to your specific needs. They have a 30-day guarantee where if you are not satisfied with the coverage, you may request a refund within 30 days of receiving your policy.
This provider is a choice for you if you do not have health benefits through your employer, you are losing your group coverage, or you would like to mix and match prescription and dental coverage. Note that you must have provincial or territorial health and drug coverage to apply for private coverage.
Pros of CAA health insurance
- Ability to mix and match plans
- Discounts are available when you bundle health and dental
- 30-day refund policy
- Partnership with Manulife
Cons of CAA health insurance
- No online claims submission
- Some CAA policy reviews have cited long wait times for dental treatment
For example
The premiums are determined by factors such as age, gender, optional extras, plan type, smoker status, and lifestyle. A Basic Extended Healthcare policy including basic drug and dental coverage for a 32-year-old single, non-smoker male in Ontario would cost $103.45 per month.
Like Blue Cross, CAA policies vary based on the province. For example, BCAA Health Insurance offers residents of British Columbia extended health coverage to bridge the gaps in the provincial MSP. BCAA Health Insurance offers flexible coverage for prescription drugs, vision, dental, mental health, and more, with a 5% discount for members. Easily apply online and enjoy quick benefits activation and fast claims processing.
Canada Life health insurance: Best guaranteed policies
Founded in 1847, Canada Life is the country's first home-grown insurer and today has more than 12 million clients. Canada Life offers a variety of levels of coverage and plans that have been designed to suit your needs, including prescription drugs, dental care, vision care, and more.
Canada Life benefits include comprehensive optional add-ons for you to personalize your health plan. They also offer a 10-day look-and-see period where you can cancel your policy with no penalty.
Canada Life health insurance is for you if you do not have medical benefits through your employer, you are losing group coverage, or you want additional benefits not offered by your existing coverage.
Note that you must have provincial or territorial health and drug coverage to apply for private coverage.
Pros of Canada Life Health Insurance
- Multiple plans that offer guaranteed acceptance
- Quick and easy online quote and application
- Comprehensive optional coverage add-ons
Cons of Canada Life Health Insurance
- Travel medical insurance is not automatically included in their plans (it is an optional add-on)
- Some Canada Life policy reviews from customers online have noted long callback times
For example
The premiums are determined by factors such as age, gender, optional extras, plan type, smoker status, and lifestyle. A Canada Life health policy including dental for a 40-year-old single, non-smoker woman in Ontario can start as low as about $40 to a couple of hundred if applying as a family or for higher levels of coverage.
Desjardins health insurance review: Wide coverage
With an illustrious history, Desjardins is a leading provider of insurance in Canada. Desjardins health insurance plans can be bundled with other policies like travel, life, and dental to save money.
Compared to competitors, Desjardins premiums are slightly higher however they offer a wider range of coverages. That said, in some ways, the company is behind some of its competitors as it does not offer the ability to sign up for a medical insurance Canada policy online.
Pros of Desjardins health insurance
- Dental, medical insurance, vision, and travel coverage included in the standard plan
- Online health platform and 24/7 telephone assistance
- High maximum coverage limits
- Enhanced hospital care
Cons of Desjardins health insurance
- A policy can only be issued on the 1st or 15th of the month
- Lack of comprehensive online services
- Plans not available after 70 years old
For example
The premiums of medical insurance are determined by factors such as age, gender, optional extras, plan type, smoker status, and lifestyle. Young non-smokers should expect to pay around $100 - $150 for their monthly private health insurance Ontario plans. Desjardins does not offer quotes online so we recommend that you speak with one of their representatives.
Among the top health insurance companies in Canada are also other providers like HDFC Health Insurance, Bupa, and Costco Health Insurance.
You can now use our comparator to compare prices, coverage, and more, and get free quotes in no time. You can get a policy with personalized coverage to suit your best needs.
Compare The Best Health Insurance Plans in Seconds
What is health insurance in Canada?
So how does health insurance work in Canada? In Canada, health insurance helps to pay the cost of medical expenses incurred from illness or injury. It can also cover some everyday medical expenses such as dental, vision, and prescriptions.
On top of access to universal public insurance through one’s province or territory (ie: public health insurance in BC MSP, health insurance in Ontario, etc.), one may obtain additional or extended health insurance through one’s employer, buy it independently, or qualify for supplemental government-provided coverage.
Public health insurance
Public health insurance is universal coverage funded through taxes and administered by the government. One is required to have a health insurance card to receive medical services. The coverage differs significantly from province to province.
Often referred to as Medicare, the public care system covers essential medical services and treatments for Canadian citizens and permanent residents. Some key points of coverage include:
- Doctor Visits: Medically necessary visits to doctors and specialists.
- Hospital Care: Hospital stays, surgeries, and emergency medical services.
- Diagnostic Tests: X-rays, laboratory tests, and other diagnostic procedures.
- Prescription Medications: Coverage varies by province and age, with some provinces providing assistance for prescription drug costs.
- Maternity Care: Prenatal care, childbirth, and postpartum care.
- Mental Health Services: Access to psychiatric care and counselling (with limitations).
- Preventive Care: Some preventive services like vaccinations.
Private health insurance
Private health insurance is health coverage that covers expenses not paid by the public system. It is either purchased by an individual or offered as a benefit by an employer. This extended health insurance typically reimburses a percentage of prescription drugs, dental care, supplemental health care, medical equipment and nursing, and vision care.
There are basic, inexpensive plans that can help pay a portion of medical expenses. More complete, more expensive options offer greater reimbursement for a wider range of treatments. These plans may include services like access to therapists and chiropractors, semi-private hospital rooms, catastrophic drugs, emergency travel, and orthodontic services.
We highly recommend getting a private insurance plan from the top 10 insurance companies in Canada using our comparator at the top of this page. It can help you access better care when you need it while saving you from large, unexpected expenses. Also note that health insurance Ontario plans might be different from BC health insurance, private health insurance Quebec plans or Saskatchewan health insurance plans.
What's the difference between public and private health insurance?
In Canada, both public and private health care exist. Every citizen or permanent resident may benefit from universal public health insurance. Examples are OHIP in Ontario, Alberta Health Care Insurance Plan (AHCIP), RAMQ in Quebec, and the Medical Services Plan in BC. Additional private insurance covers additional expenses and services not included in the public coverage. Private insurers include Sun Life, Manulife, Desjardins, GMS, Blue Cross Canada, CAA, and Canada Life among others.
What is travel health insurance?
Travel health insurance is a type of medical insurance that provides coverage for medical expenses and emergencies when an individual is travelling outside of their home country. It offers protection against unforeseen events such as illness, injury, accidents, or medical treatments needed while abroad.
This extended health insurance coverage includes medical care, hospitalization, prescription medications, emergency medical evacuation, and in some cases, trip cancellation or interruption. It fills the gap left by the provincial Canadian health insurance plans by providing coverage for medical costs incurred outside of Canada.
In essence, travel health insurance plans like Manulife or CAA travel health insurance or from any other health insurance agency complement your primary medical coverage by offering protection against medical expenses that may arise during international travel, ensuring that Canadians are financially safeguarded against unexpected health-related incidents while away from home.
Do health insurance policies change depending on the province?
Yes. Each of Canada’s ten provinces and three territories offers its public care plans. Some are significantly different. All offer basic health care services. Beyond this basic care, some are more generous than others. As a result, private healthcare policies are also different between provinces and territories.
| Canadian Province/Territory | Provincial Public Health System |
|---|---|
| Alberta's public health insurance | Alberta Health Care Insurance Plan |
| British Columbia's (BC) public health insurance | Medical Services Plan |
| Manitoba's public health insurance | Manitoba Health |
| Northwest Territories' public health insurance | NWT Health Care Plan |
| New Brunswick's public health insurance | New Brunswick Medicare |
| Newfoundland and Labrador's public health insurance | Newfoundland And Labrador Medical Care Plan |
| Nova Scotia's public health insurance | Nova Scotia Health |
| Nunavut's public health insurance | Nunavut Health Care Plan |
| Ontario's public health inusrance | Ontario Health Insurance Plan (OHIP) |
| Prince Edward Island's public health insurance | Health PEI |
| Quebec's public health insurance | Quebec Health Insurance Plan (RAMQ) |
| Saskatchewan's public health insurance | Government Of Saskatchewan |
| Yukon's public health insurance | Health Care Insurance Plan (YHCIP) |
While Canadian citizens and permanent residents have access to basic healthcare coverage across provinces, it's advisable to have a private policy when travelling to another province. Provincial coverage offered by the government might not fully extend to all services in different regions.
Supplementary travel insurance can cover expenses like ambulance fees, prescription medications, and treatments not included in your home province's plan. It ensures you're adequately protected against unexpected medical costs while travelling within Canada.
What is health insurance for visitors to Canada?
Health insurance for visitors in Canada is crucial as the country's public healthcare system doesn't cover non-residents. Visitors should consider purchasing Visitor to Canada travel insurance that is provided by several popular insurance companies like Blue Cross, Sun Life, and more.
Visitor plans cover a range of emergency medical expenses and services for individuals visiting Canada. While coverage can vary between insurance providers and specific plans, here are common elements that Visitor to Canada insurance typically covers:
- Emergency Medical Treatment: Coverage for medical treatments required due to sudden illnesses or accidents during the visitor's stay in Canada.
- Hospitalization: Expenses related to hospital stays, including room charges, nursing care, and medical procedures.
- Doctor Visits: Costs associated with consultations and medical care provided by physicians.
- Prescription Drugs: Coverage for prescribed medications required for the visitor's health condition.
- Emergency Medical Evacuation: Expenses related to transporting the visitor to a medical facility capable of providing appropriate treatment if it's not available locally.
- Diagnostic Tests: Coverage for essential medical tests like X-rays, MRIs, and laboratory tests.
- Paramedical Services: Reimbursement for services provided by chiropractors, physiotherapists, and other paramedical professionals.
- Accidental Dental Care: Coverage for emergency dental treatments required due to accidental injuries.
- Repatriation of Remains: Coverage for the costs associated with returning the visitor's remains to their home country in the unfortunate event of their passing.
- Emergency Return Home: Some plans may include coverage for the visitor to return home due to unexpected situations, such as a family emergency.
- Coverage for Pre-Existing Conditions: Depending on the policy, coverage for pre-existing medical conditions might be available, although waiting periods or limitations could apply.
What is group health insurance in Canada?
Group health insurance in Canada is a coverage arrangement provided by employers to their employees and, in some cases, their dependents. This offers a collective policy that covers a group of individuals, typically within a workplace setting. Employers negotiate with medical insurance companies to secure coverage for medical services, which can include doctor visits, prescription drugs, hospital stays, dental care, and more.
Employees covered under group plans often share the premium costs with their employer, making the coverage more affordable. Group plans offer advantages for both employers and employees, such as improved employee satisfaction, better healthcare access, and a competitive benefits package.
The coverage benefits and plan details can vary based on the employer's negotiations with medical insurance companies and the specific needs of the organization.
What health insurance plan is best for international students?
International students attending a university in Canada are not always eligible for the country’s public health care. You must get a private healthcare plan or international health insurance policy to cover your medical needs should an emergency arise. Each province is different in terms of the public healthcare it offers to both its residents and visitors or international students.
In provinces where students are not eligible for public healthcare insurance, the universities themselves often provide a policy or coverage for their international students. It may even be mandatory and included in the tuition fees.
These plans typically provide coverage for services such as doctor visits, hospitalization, prescription medications, and dental and vision care.
Good to know
If you cannot continue your semester due to illness, many insurers in Canada also have options to effectively reimburse your tuition fees.
What is global health insurance?
Global health insurance provides comprehensive medical coverage wherever you are in the world. It's perfect for Canadians who live, work, or travel abroad, ensuring you have access to quality healthcare anywhere you go.
Unlike provincial health coverage, which is limited to your home province, and private health insurance, which usually covers you within Canada, global health insurance provides international coverage.
The cost depends on your age, health, where you live, and what kind of coverage you choose. Coverage typically includes things like hospital stays, doctor visits, emergency care, and preventive services.
How does global health insurance work?
- Global health insurance coverage: It provides medical coverage for you internationally, covering a wide range of healthcare needs and emergencies.
- Who It's For: Great for expats, frequent travellers, international students, and anyone wanting the option to get medical care abroad.
- Costs: Prices vary based on your age, health, location, and chosen coverage, but it's generally more expensive than local plans.
- Coverage: Includes hospital stays, doctor visits, emergency care, preventive services, dental and vision care, mental health services, and sometimes maternity care.
- Options: You can customize plans from providers like Cigna, IMG, Integra Global, Allianz, ALC, and Aetna, tailoring the coverage to suit your needs.
If you want to explore further and get quotes tailormade for you, head to our complete guide. Compare global health insurance quotes and get results instantly.
What does health insurance cover in Canada?
Public and provincial care plans cover many basic medical needs. This includes doctor’s visits, hospital visits, and surgeries. What is covered, and at what percentage, varies greatly between provinces. This topic goes beyond the scope of this summary page.
Good to know
Private healthcare coverage in Canada can make up for what are sometimes significant gaps in public/provincial coverage.
Depending on the plan, private healthcare plans in Canada cover a large percentage of costs like:
- Eye exams and prescription eyeglasses
- Birth control
- Prescription medication
- Dental care
- Physiotherapy
- Ambulance services
- Physician services, surgery/anesthesia, x-ray, and laboratory services
- Accessories and medical devices bought in pharmacies
- Orthopedic shoes or podiatric orthotics
- Hearing aids
- Nursing care
Health care costs are split between you, the provincial insurer, and the private insurer. Your provincial and private plans each pay a percentage. You will cover the remainder.
Many private healthcare plans offer catastrophic health insurance coverage in their plans. When an individual’s medical expenses pass a predefined maximum for the year, catastrophic coverage kicks in. At that point, their plan will then cover 100% of the cost. This caps how much an individual can pay, limiting their financial risk.
What is pre existing condition in health insurance?
A pre-existing condition in health insurance refers to a medical condition or illness that an individual has before obtaining a policy. Companies or providers often consider these conditions when underwriting policies. Coverage for pre-existing conditions can vary, with some plans excluding them or imposing waiting periods before coverage applies.
Can you combine health and dental insurance?
Yes, it's possible to combine health and dental coverage plans in Canada. Insurers often offer comprehensive packages that integrate both health and dental insurance under a single policy.
This combined coverage includes services such as doctor visits, prescription medications, and hospital stays, as well as dental procedures like cleanings, fillings, and more. These plans offer cost savings, customization options, and the convenience of managing medical and dental needs through a single policy.
Many employers also provide extended health and dental coverage as part of their benefits package, ensuring comprehensive care for their employees and their families.
Is pet health insurance covered under provincial healthcare?
Pet health insurance is coverage designed to help offset the cost of veterinary care for pets. Unlike provincial healthcare for humans in Canada, provincial plans do not cover pets. Private pet insurance is therefore essential because veterinary expenses can be high, and having coverage ensures that pet owners can provide necessary care without facing financial strain. It offers peace of mind, helps manage unexpected expenses, and ensures pets receive timely medical attention, making it a prudent choice for responsible pet ownership.
How does health insurance cover seniors in Canada?
Health insurance for seniors in Canada involves both provincial plans and private plans. Provincial plans, such as Medicare, cover essential medical services. Seniors can also opt for private plans to supplement their coverage. These private plans cover expenses like prescription drugs, dental care, and vision care that may not be fully covered by the provincial plan.
Having private coverage is crucial as seniors may face additional healthcare needs as they age. Long wait times and limited coverage for certain services under Medicare make private insurance beneficial.
There are special provincial health programs that cater to their unique needs, like:
- Ontario: The Ontario Drug Benefit Program (ODB) provides prescription drug coverage for seniors based on income and age criteria.
- British Columbia: BC Seniors' Pharmacare Program offers prescription drug coverage for eligible seniors.
- Alberta: Alberta Seniors Benefit provides financial assistance to eligible seniors for various living expenses, including health-related costs.
- Quebec: The Quebec Prescription Drug Insurance Plan (RAMQ) covers prescription medication costs for seniors based on income and age.
- Nova Scotia: Pharmacare Programs in Nova Scotia offer coverage for prescription medications based on income and age.
How much is health insurance in Canada?
The cost of private health insurance plans differs across Canada and companies. The average cost of health insurance coverage can depend on:
- Where you live
- The level of coverage desired
- Your earnings
- Your age
You'll need to get a personalized quote to be sure of the price. You can get health insurance quotes in just seconds with our comparison tool at the top of this page. Know that the cost also varies from one medical insurance agency to another.
How much does health insurance cost per month in Canada?
If you're wondering, how much is health insurance a month for a single person in Canada? Well, it depends. The cost varies based on factors like coverage, age, location, and provider or company. For basic plans covering prescription drugs, dental, and vision care, monthly premiums might typically range from $50 to $150 or more.
Premiums can be lower for younger individuals and higher for older ones. Comprehensive plans with extra benefits can have higher costs. But here are approximate prices for health insurance in Canada.
| Province | Price Range for Basic Plan |
|---|---|
| Ontario's health insurance | $75 - $125 per month |
| British Columbia's health insurance | $60 - $130 per month |
| Alberta's health insurance | $55 - $140 per month |
8 tips to find the cheapest health insurance in Canada
- Compare Plans: Research and compare various policy options for cost, coverage, and benefits, using the HelloSafe comparator at the top of this page. It's free and easy to use.
- Government Programs: Enroll in your province's public healthcare program, like OHIP or MSP.
- High Deductibles: Opt for plans with higher deductibles for lower monthly premiums, if you can afford the deductible.
- Essential Coverage: Focus on necessary medical services to avoid costly add-ons.
- Group & Student Plans: Check for group plans through employers or student-focused options.
- Family Coverage: Consider family plans for cost-efficient coverage if you have dependents.
- Healthy Lifestyle: Some insurers offer discounts for healthy habits like non-smoking.
- Government Subsidies: Determine if your income qualifies you for government subsidies to reduce costs.
While aiming for affordability, ensure the chosen plan meets your healthcare needs and comprehensively covers potential expenses. Always review terms and conditions before finalizing your choice.
How to get health insurance quotes in Canada?
There are several ways to get private healthcare policy quotes in Canada. A private broker can help you find the best policy for you. This option can be more expensive, since you may be charged a commission- typically around 10% of the premium. Because the broker represents specific insurers and plans, shop around for quotes from several sources before making a decision.
You can also request quotes through each company to find a plan that's suitable for you, but this is time-consuming and a laborious process.
That's why we've created a simple and easy-to-use tool for you. You can use our 100% free comparison tool to quickly and conveniently compare quotes and find the best individual health insurance Ontario plans or BC or Quebec. All you need to do is enter your basic details of what you're looking for, while retaining anonymity, and voila get quotes that are personalized to suit your unique needs also from the top 10 insurance companies in Canada.
Key reasons to pay for private healthcare coverage include:
- Getting the treatment you need, when and where you need it.
- Being covered for a wider range of services and treatments.
- Affordability and cost-effectiveness.
- Saving on unexpected expenses.
- Not having to worry about how to pay for a large health care charge on top of your other expenses like car protection premiums or mortgage payments.
How does private health insurance work in Canada?
As we mentioned before, private health insurance in Canada offers additional coverage beyond public healthcare, including services like prescription drugs, dental care, and specialist treatments. It included the following factors.
- Monthly Premiums: Subscribers pay regular premiums for their private plan, which vary based on coverage level and provider.
- Deductibles and Copays: Some plans involve deductibles – a set amount paid by the subscriber before coverage starts. There might be copays based on your plan.
- Claims Process: Individuals provide insurance details during appointments. They then submit claims for reimbursement, accounting for deductibles and copays.
- Supplementary Support: Private insurance complements public coverage, reducing wait times for specialists and elective procedures, enhancing access to care, and providing financial security for unforeseen medical expenses.
What is a deductible in health insurance?
A deductible is the amount you must pay before your coverage kicks in. Essentially, it's the initial portion of the expenses that the policyholder must cover themselves before the insurance company begins to reimburse or cover additional expenses.
For instance, if you have a plan with a $500 deductible and you incur medical expenses totaling $1,000, you would need to pay the first $500 (deductible) yourself, and then the company would cover the remaining $500 or a portion of it, depending on the terms of your plan.
Plans with higher health insurance deductibles usually have lower premiums. It's a way to share costs between you and the insurer. Selecting a deductible when you buy a plan depends on your financial situation and how much risk you're comfortable with.
What is copay in health insurance?
"Copay," short for "copayment," is the specific amount of money that an insured individual must pay for a covered healthcare service or prescription medication. It is a fixed, predetermined cost that the individual must contribute towards the total cost of the service, while the insurance plan covers the remaining portion.
For example, if you have a plan with a $20 copay for doctor visits, it means that every time you visit a doctor, you'll need to pay $20 out of your pocket at the time of the visit. The insurance company then covers the rest of the cost associated with the visit.
In Canada's public healthcare system, there aren't traditional copays for most basic medical services. However, it often does not cover expenses for services like prescription drugs, dental care, vision care, and paramedical treatments.
This is where private plans become essential. Private health insurance companies in Canada help cover costs not included in the public system, ensuring access to comprehensive care without facing substantial financial burdens.
Good to know
In private policies, copays can vary widely based on the plan, the type of services covered, and the insurance provider's policies. Some private insurance plans might offer much lower copays than public Medicare for certain services to encourage individuals to seek preventive care or lower-cost treatments.
What is a health insurance premium?
While we mentioned the term premium multiple times in this context, for those who aren't aware or are new to this area, a health insurance premium is a regular payment made by an individual or their employer to a private insurer or a government program (such as Medicare in the United States or a provincial healthcare plan) in exchange for coverage and benefits under a policy.
This payment is typically made on a monthly or annual basis. The premium amount can vary based on factors such as the type of coverage, the insurer, the individual's age, health status, and other factors. The premium is essential for maintaining coverage and helps fund the cost of medical services and treatments when needed.
Are health insurance premiums tax-deductible?
Can I claim health insurance premiums on my Canada taxes? Yes. In Canada, premiums that you pay yourself are often eligible for a tax deduction under the Medical Expense Tax Credit.
Premiums paid into a private insurance plan count as qualifying medical expenses assuming that 90% go towards medical expenses that are themselves eligible for the tax credit. There are tax benefits for care like hospitalization, medical, dental, vision, and even medical devices. Plans paid by employers or provinces are not eligible for tax deductions.
Looking for a list of tax-deduction qualifying medical expenses? This PDF from the Canada Revenue Agency details them.
How to cancel a health insurance plan in Canada?
In Canada, cancelling your private medical coverage plan is not usually difficult. Generally, you will do it in writing. Check your specific contract and contact your service provider for details on more specific cancellation procedures as it may vary from one insurer to another. Obtain written confirmation of the cancellation from your insurer.
Be aware that you may owe a penalty if your policy has not yet expired. Policies often run for a one-year term, even if payments are monthly.
When does health insurance expire after leaving a job in Canada?
Your health coverage typically expires on the last day of your employment for employer-sponsored group plans. Some employers may offer a short grace period of coverage post-employment. Provincial or territorial coverage (Medicare) remains unaffected by job changes as long as residency requirements are met. For private plans, expiration depends on the policy terms.
Can one accumulate 2 health insurance plans in Canada?
Yes, it's possible to have two plans in Canada. You can have both a provincial healthcare plan and a private supplementary plan simultaneously. This is common for those who want to enhance their coverage, such as through an employer-sponsored plan.
However, having dual coverage might not always result in double benefits, as most plans have coordination of benefits rules. It's essential to understand these rules to prevent unnecessary costs and ensure smooth claims processing.
It is also possible to have two private plans. This is often referred to as "dual coverage." You may have two private plans due to various reasons. You can be covered under your plan and also as a dependent on your spouse's policy.
When making a claim, these rules determine which plan pays first and how much the second plan might contribute. It's crucial to understand these rules and communicate with both insurance providers to ensure smooth claims processing and avoid overpayment.
See our other guides on health insurance in Canada
- Expat Health Insurance: Coverage, Cost, Quotes 2025
- Sask Health: Coverage, eligibility, card registration 2025
- Health Plus Insurance: 2025 Coverage, contact & quotes
- Group HEALTH Insurance review 2025
- What is a health insurance premium? 2025 guide
- How much is health insurance in Canada in 2025?
- Best Self Employed Health Insurance in 2025
- The health insurance tax form hitf explained: 2025 guide
- Concordia Health Insurance Review (2025)
- Is Star Health Insurance the best in 2025?
- Best health insurance for visitors to Canada in 2025
- Best Health Insurance India Plans 2025
- Is Cigna Health Insurance Worth It? Review (2025)
- Costco Health Insurance Canada Review 2025
- Is TD Health Insurance worth it? Review 2025
- Health Insurance Card Canada: 2025 Guide
- [Report] Health Insurance Market in Canada : Key Figure & Trends in 2023
- Is Bupa Health Insurance Worth It In 2025?
- Is HDFC Health Insurance the Best in (2025)?
- Is COBRA Health Insurance Worth It in 2025?
- What is the best Family Health Insurance in 2025?
- Best Global Health Insurance Plans (2025)
- What is the best retirement health insurance in 2025?
- Is AMA health insurance worth it? Review 2025
- UofT Health Insurance Canada: Review 2025
- Super Visa Health Insurance Canada: Full Guide 2025
- Is Aetna health insurance the best? Review 2025
- Is RBC health insurance the best in 2025? Review
- [Survey] 32.1% of Canadians say they are dissatisfied with their health insurance premiums
- Birth Control in Canada: Cost, pills, implants, side effects, coverage
- How Much Are Eye Exams in Canada in 2025?
- GreenShield Personal Health Insurance Review, Contact, Quotes 2025
- What is the best international health insurance for 2025?
- Is Long Term Care Insurance Worth It?
- Best Health Insurance in Saskatchewan for 2025
- What is the best health insurance in Newfoundland for 2025?
- What is the best Health Insurance in New Brunswick for 2025?
- What is the Best Health Insurance in Nova Scotia for 2025?
- What is the Best Manitoba Health Insurance Plan in 2025?
- Best Health Insurance in BC for 2025
- What is the Best Health Insurance in Alberta for 2025?
- Is Desjardins Health Insurance Good? Review (Updated 2025)
- Is CAA Health Insurance Worth It? 2025 Review
- Is Canada Life Health Insurance Worth It? 2025 Review
- GMS Health Insurance Review 2025 + Get free quotes
- Is Blue Cross Health Insurance Worth It? Review (2025)
- Is Manulife Health Insurance Worth It? 2025 Review
- Sun Life Health Insurance Review, Quotes 2025
- Ovulation Calculator | Free Online Tracking Tool (2025)
- Get a quote health insurance
- Get a quote health insurance
- What is the Best Health Insurance in Quebec for 2025?
- Best Health Insurance Ontario Plans for 2025
- Best Dental Insurance in Canada for 2025
how much is a basic health insurance cost in canada ?
how much roughly a private healthcare insurance cost?
Nishadh
Hello,
Thank you for reaching out to us. On average, private healthcare premiums for a household in Canada cost between $2,000 and $4,000 a year. You could get more accurate quotes based on your unique needs using our comparator. Please feel free to reach out to us should you require more information.
https://hellosafe.ca/en/health-insurance
My husband and I are in our late 70's and would like a quote on dental insurance.
Annabelle
Hello Carol,
Please enter your criteria on our dental insurance comparison tool and we will provide you with several quotes.
Looking for medical and dental insurance for me , my spouse and my 32 year old child. Is it possible to get insurance to cover 3 adults?
Hello,
When using our comparison tool at the very beginning of this page, select "Family" in the "What is your situation?" section. The insurance plans shown to you will then be adapted to your specific situation.
Have a nice day, the Hellosafe Team
Looking for a family insurance health and dental
Alexandre D.
Hi Carlos,
You can use the comparison tool at the top of the page to find the offer that suits you best. You can then contact the insurer of your choice directly to get a quote.
Have a nice day,
The HelloSafe team
I need a family insurance for myself ,My wife and my three children(three sons)
Hi Sanjaya,
You can use the tool at the top of the page to find the best offer for you, and directly contact the insurer of your choice for a quote.
Have a nice day,
The HelloSafe team
Do you have a calculator to compare private health insurance options in Alberta?
Hi Jill,
You can find more information on this topic in our article "Compare Alberta's top private health insurance"
Have a nice day,
The HelloSafe team
Does any health insurance cover laparoscopy?
Hi,
Yes, most health insurances cover laparoscopy as long as it is medically necessary. If you want to make sure, you can contact the insurance provider of your choice and ask them directly.
Have a nice day,
The HelloSafe Team
Do any of your policies cover fertility drugs
Pauline
Hello,
Yes, most of the insurers presented on this page cover part of fertility drugs.
Have a nice day,
The team at Safe
trying to get my mother in law back to Canada from Texas and need health insurance for her in Ontario until a permanent move to Alberta
Hello,
We suggest you use our health insurance plans comparator to find out which plan would best fit you.
Have a nice day,
The team at Safe
Unable to access the "Compare Quotes" tool.
Hello,
Could you please tell us which button doesn't work so we can fix that?
Thank you in advance.
Have a nice day,
The team at Safe
My husband n me age 70yrs and want a health n dental insurance which is good and reasonable in Ontario. Can u suggest the best companies I can contact. Thanks
Hello,
We suggest you to try our health insurance plan comparator to know which one would best fit you.
https://hellosafe.ca/en/health-insurance
Have a nice day,
The Safe team
Looking for affordable health insurance plan to buy for my family of 4 ( the best with less limitations and exclusions) but s as Lao not crazily expensive. What would you recommend??
Hello,
We suggest you to try our health insurance plan comparator to know which one would best fit you.
https://hellosafe.ca/en/health-insurance
Have a nice day,
The Safe team
I am 79 years old....long retired. Am interested in healthcare plan that covers vision, massage, physio therapy and prescription drugs. What is best plan for me and what company
Hello Patricia,
We suggest you to take a look at our health insurance plans comparator to know which plan would best fit you.
Have a nice day,
The Safe team
I am on visitor visa. What is the best medical or health insurance plan and provider for me aged 40years and my son 10 years old for a period of three months.
Hello,
We invite you to use our online-interactive tool in order ro know which health insurance plan would best fit you.
Have a nice day,
The Safe team