Is Desjardins health insurance the best for you?

James Rodriguez James Rodriguez  updated on 2021-11-29

Canada’s universal care, while excellent, is not comprehensive. Emergency and preventive care are largely covered, but knowing what is not covered is critical to planning for the worst. 

Around 30% of health expenditures in Canada are privately financed by supplemental insurance (group or individual) or by patients themselves out-of-pocket. This includes dental and vision care and access to prescription medications. 

Are you considering a personal health insurance plan with Desjardins?

You are in the right spot. This guide details Desjardins' health and dental insurance plans including price, coverage, reviews and more. 

Who is Desjardins?

The Desjardins Group is Canada’s largest cooperative financial institution with more than 7.5 million members most in Quebec and Ontario. It was founded in 1900 in Lévis, Quebec. Desjardins Insurance is its life and health insurance subsidiary.

Our review of Desjardins health insurance:

Desjardins’ SOLO Healthcare Plan covers unexpected or ongoing health costs.  

Desjardins health insurance is intended for people who are self-employed, part-time workers, or contractors. It also complements provincial health coverage plans.

Why Desjardinse may be right for you: 

  • Dental, medical, vision and travel insurance included in the standard plan
  • Online health platform and 24/7 telephones assistance
  • High maximum coverage limits
  • Enhanced hospital care

Why Desjardins may not be right for you:

  • Policy can only be issued on the 1st or 15th of the month
  • Online sign-ups not available
  • Plans not available after 70 years old

Before signing up for a health insurance plan with Desjardins, compare rates and coverage offerings from the best health and dental plans using our comparison tool. Shop the best plans in seconds without giving up personal details.

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What does Desjardins cover?

Desjardins has two different health modules for you to choose from depending on your health needs:

  • Health Plus Basic Plan
  • Health Plus Enhanced Plan

The Basic Plan offers medical and paramedical services, vision and travel insurance. The Enhanced plan offers the same benefits plus higher reimbursement amounts and hospitalization benefits. 

TreatmentHealth Plus Basic PlanHealth Plus Enhanced Plan
Maximum for all medical and paramedical services $250,000 for the coverage period$350,000 for the coverage period
Hospitalization 100% for semi-private
Vision
  • $150 eyeglasses, contacts, surgery
  • $50 exam
  • $250 eyeglasses, contacts, surgery
  • $70 exam
Travel Insurance$5,000,000 per 90 days per year$5,000,000 per 90 days per year
Comparision of Desjardins health insurance plans and coverage

For additional information consult Desjardins’s brochure below:

Does Desjardins offer dental insurance?

Desjardins allows you to add dental coverage to either your Basic or Enhanced Plan.

While Canada’s public system covers lots of healthcare needs, access to dental care is not included. Dental care is important to one’s overall health. Since it can be a major expense, too many people skip preventive treatment. That is a mistake, as regular preventive care helps prevent gum disease, which is linked to conditions like heart disease, diabetes and rheumatoid arthritis. Additionally, it can help you to detect other medical complications early. 

A supplemental insurance plan can help, here is what Desjardins offers. 

Desjardins Basic dental maintenance plan will include preventative services such as:

  • Exams
  • Cleaning
  • X-rays
  • Fillings 

The Enhanced Plan will cover things such as extractions and root canals where the Basic plan will not. It will also cover:

  • Periodontal Services
  • Major dental 
  • Orthodontics (braces)
TreatmentBasicEnhanced
Preventative 80% reimbursement per cleaning every 9 months100% reimbursement per cleaning every 6 months
Basic Care50% reimbursement 100% reimbursement 
Major CareNot covered100% reimbursement
Orthodontic Care (3-year waiting period applies)Not covered60% reimbursement 
Comparison Desjardins dental insurance plan and coverage

How much do Desjardins’ health insurance plans cost?

Your premium will be based on your individual circumstances. Desjardins will weigh a number of factors to determine your premium such as: 

  • age group
  • gender
  • additional of optional benefits 
  • the number of lives on your plan (individual, family, etc.)
  • smoker status

To make sure you are getting the best plan for the best price, you must first establish what you want from your health insurance policy. 

The price of health insurance varies greatly between insurers. Your health history, age, the coverage options offered, your province, and more affect pricing. Use our comparison tool to get personalized health insurance quotes, all anonymously. 

Compare coverage and rates of
Canada's best health insurance plans

Get a quote in seconds

How can I get a Desjardins health insurance quote?

To get a Desjardins quote use our insurance comparison tool to compare prices and coverage options.

You can get a quote on Desjardins personal health insurance quote by calling 1-800-224-7737 to speak with an agent.

How can I connect to my client space?

You can register to create an account with Desjardins for access to your personal portal.

Desjardins' Omni mobile app is available for iPhone and Android phones.

How can I make a claim with Desjardins?

Desjardins has several different ways for you to submit a claim whether it be by phone or by paper. For your prescription drug coverage in your plan, you will receive a payment card to present to the pharmacist.

For dental and health claims, you can submit the following form:

You can send to the following address:

Desjardins Insurance

C.P. 3950 

Lévis (Quebec) G6V 8C6

How can I cancel my Desjardins health insurance plan?

Contact Desjardins at 1-800-278-0669 to inquire about cancelling your plan.

How can I contact Desjardins?

You can contact Desjardins at 1-800-278-0669. They are available Monday through Friday 7:00am to 4:00pm ET.     

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