GreenShield Personal Health Insurance Review, Contact, Quotes 2025
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Discover the methodologyGreenShield offers a diverse range of personal health insurance plans tailored to the varied needs and budgets of Canadians. Whether you’re self-employed, working without employee benefits or transitioning out of group benefits, GreenShield personal health plans provide comprehensive protection with coverage for prescription drugs, dental, vision, and more.
You can also get guaranteed coverage without the need for medical exams with GreenShield health insurance. All plans come with benefits like telemedicine, online claims processing, mental health support, and pharmacy services. But is it right for you?
In this GreenShield health insurance review, we look at its coverage options, cost, pros and cons, eligibility, contact, claims, and more. Use our free tool to get personalized GreenShield quotes and compare them with other top providers to find the plan that fits you best.
GreenShield Health Insurance: A Quick Summary
- GreenShield offers 11 health insurance plans tailored to different needs.
- Lower-tier plans provide guaranteed acceptance without medical exams.
- Coverage includes prescription drugs, dental, vision, mental health services, and professional care.
- All plans include emergency medical travel coverage.
- Plan benefits remain the same across all provinces, ensuring uniform coverage.
- You can easily file claims and manage your policy online.
- Coverage continues regardless of age or health changes, as long as premiums are paid.
Our GreenShield personal health insurance review: Plans for every budget
GreenShield offers a diverse selection of health insurance plans tailored to meet various budgets and needs. The plans are categorized into ZONE plans and LINK plans, each designed for specific requirements and customer profiles.
ZONE plans are perfect for individuals and families without access to group benefits. With six tiers, these plans range from basic to comprehensive coverage, ensuring there’s an option for every budget. Lower-tier plans, such as ZONE 2 Primary and ZONE 3 Basic, offer guaranteed acceptance without a medical exam, making them accessible for many. Higher-tier plans like ZONE 6 Premier and ZONE 7 Ultimate require a health questionnaire and medical underwriting but include extensive levels of coverage for benefits like prescription drug coverage, dental, vision, and professional services.
Compared to providers like Manulife health insurance, GreenShield’s ZONE plans stand out by offering guaranteed acceptance for lower tiers and lifetime coverage as long as premiums are paid.
LINK plans are designed for individuals losing their group or employer benefits due to job loss, retirement, or career change. There are four plan options that offer guaranteed acceptance, with no health questions or exams when you apply (applications must be received within 90 days of losing group benefits). Unlike some providers, GreenShield’s LINK plans cover pre-existing medical conditions.
Higher-tier LINK plans, such as LINK 3 Supreme and LINK 4 Elite, include additional benefits like major dental and orthodontics, which are often excluded in transition plans from competitors like Blue Cross health insurance. With coverage for prescription drugs, dental, vision, and extended healthcare, LINK plans provide a robust safety net during life transitions.
GreenShield’s plans are nationally designed, ensuring consistent benefits across provinces. Whether you purchase a plan in Ontario or Alberta, you’ll receive the same comprehensive coverage. This national approach simplifies plan selection and offers peace of mind for frequent movers or travellers.
All GreenShield personal health insurance plans include 24/7 telemedicine, virtual mental health services, and access to the GreenShield Pharmacy with free prescription delivery. The GreenShield+ app makes managing your coverage easy, allowing you to submit claims online, track benefits, and print ID cards anytime. Additionally, all GreenShield personal health insurance plans include multi-trip emergency travel insurance up to $5 million per year, up to 30-day trips, with no age maximums, which some competitors may limit.
Overall, for those seeking reliable, flexible health insurance with modern conveniences, GreenShield provides an outstanding combination of affordability, comprehensive benefits, and user-friendly services.
Who is GreenShield health insurance best for?
GreenShield stands out as a top choice for those seeking flexible, comprehensive, and independent health insurance coverage. Its wide range of plans ensures there’s an option for every budget and need, whether you’re self-employed, transitioning out of group benefits, or simply looking for additional coverage. The inclusion of essential benefits like prescription drugs, dental care, vision, and mental health services, paired with 24/7 telemedicine and emergency travel insurance, makes it a well-rounded solution. With a focus on accessibility, easy claims processes, and lifelong coverage, GreenShield is a reliable partner in managing healthcare costs and ensuring peace of mind.
If you think GreenShield personal health insurance could be the right choice for you, get a free personalized quote using our special partner link below.
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.
Before zeroing in on GreenShield, we recommend that you weigh all your options. You can use our free tool below to compare health insurance quotes from Canada's top providers including GreenShield, Manulife, Sunlife, Blue Cross, and more.
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What is the cost of GreenShield personal health insurance?
The cost of GreenShield personal health insurance, like other providers, depends on the following factors:
- Age
- Number of people insured (single, couple or family)
- Plan Selected
- Province of residence
Smoking status and lifestyle do not affect GreenShield personal health insurance premiums.
Am I eligible for GreenShield Personal Health Insurance?
To be eligible for GreenShield personal health insurance, you must meet the following requirements:
- Be a Canadian resident.
- Have valid provincial health coverage (e.g., OHIP in Ontario, RAMQ in Quebec, MSP in BC, etc.).
- Be an adult aged 18 years or older, but under 80 years of age
Who is GreenShield aimed at?
- Canadian residents without group or employer health benefits.
- Self-employed individuals and small business owners.
- Contract workers or employees of small companies that don’t offer group benefits.
- Retirees seeking health coverage after leaving group plans.
What does GreenShield personal health insurance cover?
GreenShield offers two types of health insurance plans to cater to diverse needs:
- ZONE Plans: Flexible health coverage for individuals and families without group benefits, available in six tiers ranging from basic to comprehensive options.
- LINK Plans: Designed for those transitioning out of group benefits, these plans ensure continuity of coverage with guaranteed acceptance and protection for pre-existing conditions if applied within 90 days of losing group coverage.
GreenShield Personal Health Insurance ZONE Plans
GreenShield’s ZONE plans provide flexible health coverage, ranging from basic to premium options, catering to varying needs and budgets. With six tiers, they include essential benefits like dental, vision, and extended healthcare, with guaranteed acceptance for lower-tier plans and comprehensive benefits in higher-tier options.
Key Points on GreenShield ZONE Plans:
- Wide range of plans for individuals and families without group benefits.
- Lower-tier plans offer guaranteed acceptance with no medical exams and coverage for pre-existing conditions.
- Higher-tier plans require a health questionnaire and medical underwriting.
- If you apply for a medically underwritten plan and have pre-existing health conditions, GreenShield will offer you coverage excluding prescription medications that treat those conditions.
- Ideal for those who have never had benefits or have been without coverage for a long time
You can explore the full coverage details of GreenShield's ZONE plans in the free PDF below.
GreenShield Personal Insurance LINK Plans
GreenShield’s LINK plans provide guaranteed acceptance and are tailored for individuals transitioning out of group benefits, ensuring seamless access to personal health insurance. With 4 options to choose from, GreenShield LINK plans cater to a wide range of healthcare needs, with varying levels of coverage for prescription drugs, dental, vision, and extended health services.
Key points on GreenShield LINK Plans:
- Designed for individuals losing group/employer health benefits due to job loss, career change, or retirement.
- Four plan options available, all with guaranteed acceptance—no health questions or medical exams.
- Coverage includes pre-existing medical conditions if you apply within 90 days of losing group benefits.
You can explore the full coverage details of GreenShield LINK personal plans in the free PDF below.
Good to know
The benefit design of GreenShield personal health insurance is consistent nationwide. This means that no matter where you live—be it Alberta, Ontario, or New Brunswick—you’ll receive the same benefits for your chosen plan, ensuring uniform coverage across all provinces.
Compare the coverage GreenShield offers with other providers using our free tool below. Get multiple personalized quotes based on your unique needs in no time.
Compare The Best Health Insurance Plans in Seconds
What is GreenShield's dental coverage?
GreenShield offers comprehensive dental coverage through its health insurance plans, providing access to a variety of dental services. Whether you choose a ZONE plan or a LINK plan, you’ll receive coverage for essential dental care, including basic services, preventive care, and in some cases, orthodontics. The coverage details, such as annual maximums and the inclusion of major services, depend on the plan selected. (Refer to the PDFs for full coverage details)
How to get GreenShield personal health insurance?
You can apply for GreenShield personal health insurance right here using our special partner link below, beginning with getting a quote.
Here are 5 tips to keep in mind before buying health insurance
- Assess Your Needs: Consider your age, medical history, and current health needs. Families, seniors, and individuals with chronic conditions may require more comprehensive coverage.
- Understand the Coverage: Review what’s included in the plan—prescription drugs, dental, vision, emergency travel insurance, and more. Ensure the plan covers the services most important to you.
- Check for Exclusions: Familiarize yourself with what isn’t covered, such as pre-existing conditions in certain plans or specific treatment limits, to avoid surprises later.
- Compare Plans and Providers: Look at premiums, deductibles, and benefit limits across multiple providers to find the best value for your budget and health needs. You can use our free tool below to compare personalized quotes from multiple companies.
- Verify the Network: Ensure the insurance provider has a strong network of approved healthcare providers and facilities in your area for easy access to services.
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How to contact GreenShield?
| Contact Purpose | Contact Method | GreenShield Phone Number |
|---|---|---|
| Product Inquiries | Fill out the online form to request information or call directly. | 1-844-855-7873 |
| Insurance Customer Support | For claims, billing, plan changes, or personal information updates, call the customer support line. | 1-844-554-2522 |
How to file a GreenShield personal health insurance claim?
Many claims for prescription drugs, dental and vision care can be submitted directly, in real time by your healthcare provider. Immediate adjudication means you pay only the balance. For other services, filing a claim with GreenShield is simple and convenient:
- Register for GreenShield+: Once your plan is active, sign up for GreenShield+ online services.
- Submit Your Claim Online: Use the online Claim Submission form via your desktop, tablet, or smartphone.
- Sign Up for Direct Deposit: Receive reimbursements directly into your bank account, avoiding delays.
For added convenience, download the GreenShield+ app to easily submit claims by uploading photos of receipts and manage your benefits on the go.
How to cancel GreenShield personal health insurance?
You can cancel your GreenShield personal health insurance at any time by providing written notice at least 10 business days before your next premium withdrawal date. If notice is not given in time, your coverage will end at the end of the month for which premiums have already been paid.
Watch out!
Before cancelling your GreenShield personal health plan, consider the potential risks of being without protection. Unexpected medical expenses can arise, leaving you financially vulnerable. Additionally, once you cancel, you’ll need to wait two years to re-apply for any GreenShield plan. Instead of cancelling, explore switching to a different plan that better fits your needs to ensure you remain protected.
