iA Health Insurance Review 2025: A Complete Guide
Our expert's review of iA
ScoreiA Financial Group’s health insurance stands out for its comprehensive group plans, offering robust hospital (100% coverage including semi-private room and extras), extended health, vision, dental, drug, and travel protection. Paramedical benefits cap at $2,000/year with broad practitioner eligibility, and hospital and drug benefits feature 100% co-insurance, minus minimal per-claim fees.
Dental coverage is above market average (up to $2,400/year basic, $3,400/lifetime ortho), and vision benefits are notably inclusive for both adults and those over 50. Preventive and wellness support, including vaccines and smoking cessation, is a strength.
While individual pricing is not disclosed, iA generally positions itself as a mid- to upper-tier provider, offering plan flexibility via group benefits, ideal for employees seeking all-in-one coverage, newcomers (multilingual materials/support), and those valuing high dental or paramedical caps. iA is a major, well-established insurer with a significant client base and a proven claims process (direct pharmacy/hospital billing, robust online tools).
No Trustpilot or official aggregate ratings are available, but industry feedback points to solid reliability. Average reimbursement speeds are not specified, yet the process leverages direct deposit and an online portal, aligning with standards of major competitors in Canada.
- ✅Comprehensive dental and vision coverage
- ✅100% co-insurance on most core benefits
- ✅Wide paramedical practitioner eligibility
- ✅Strong preventive and wellness benefits
- ✅Multilingual materials for newcomers
- ✅Direct billing at hospitals and pharmacies
- ✅Seamless online claims portal
- ❌Coverage terminates by age 75
- ❌No individual market plans or pricing
- ❌No published Trustpilot or Google score
- ❌Paramedical cap applies to all practitioners
- ❌Some benefits need pre-approval
Score- ✅Comprehensive dental and vision coverage
- ✅100% co-insurance on most core benefits
- ✅Wide paramedical practitioner eligibility
- ✅Strong preventive and wellness benefits
- ✅Multilingual materials for newcomers
- ✅Direct billing at hospitals and pharmacies
- ✅Seamless online claims portal
Our expert's review of iA
- ✅Comprehensive dental and vision coverage
- ✅100% co-insurance on most core benefits
- ✅Wide paramedical practitioner eligibility
- ✅Strong preventive and wellness benefits
- ✅Multilingual materials for newcomers
- ✅Direct billing at hospitals and pharmacies
- ✅Seamless online claims portal
- ❌Coverage terminates by age 75
- ❌No individual market plans or pricing
- ❌No published Trustpilot or Google score
- ❌Paramedical cap applies to all practitioners
- ❌Some benefits need pre-approval
Score- ✅Comprehensive dental and vision coverage
- ✅100% co-insurance on most core benefits
- ✅Wide paramedical practitioner eligibility
- ✅Strong preventive and wellness benefits
- ✅Multilingual materials for newcomers
- ✅Direct billing at hospitals and pharmacies
- ✅Seamless online claims portal
Why trust HelloSafe?
HelloSafe is an international health insurance expert, guiding over a million users every month in their coverage choices. Our specialists have evaluated the offerings from 48 insurers in Canada, with an in-depth analysis of their coverage, rates, and quality of service.
What does iA health insurance cover?
iA delivers comprehensive group coverage with generous limits: medical, dental, drug, and vision benefits are extensive, including strong dental (up to $2,400/year) and vision ($300/2 years), and robust hospital, travel and paramedical services. Preventive care like vaccines and smoking cessation is integrated.
Direct billing and an online portal make claims easy. Drawbacks include no individual or senior-specific products, coverage ending at 75, and little public pricing transparency.
Exclusions are standard for Canada but restrict elective out-of-country care and experimental services. Overall, iA stands out for core group coverage depth and flexibility, but less for standalone and senior solutions.
Routine medical care
| Guarantee | RAMQ | Core health plan – Standard | Core health plan – Enhanced |
|---|---|---|---|
| Prescription drugs (reimbursement rate, deductible, ceiling) | 68% Monthly deductible: $22 Monthly ceiling: $99.65 | 100% $10 dispensing fee/prescription Max: $5,000/year | 100% $10 dispensing fee/prescription Max: $10,000/year |
| Hospitalization (reimbursement rate, room type, days covered) | 100% Standard ward only Unlimited | 100% Semi-private room Unlimited | 100% Private room Unlimited |
| Ambulance transportation (reimbursement rate, amount, period) | 0% (Except special cases: social assistance, age, etc.) | 100% Up to $4,000/year | 100% Unlimited |
| Home care (reimbursement rate, amount, period) | 0% (Except provincial home support program) | 80% Max: $10,000/year for private duty nursing | 80% Max: $20,000/year for private duty nursing |
| Laboratory analysis (reimbursement rate, amount, period) | 100% Only in public facility | 100% Private labs: $300/year | 100% Private labs: $500/year |
Monthly deductible: $22
Monthly ceiling: $99.65
$10 dispensing fee/prescription
Max: $5,000/year
$10 dispensing fee/prescription
Max: $10,000/year
Standard ward only
Unlimited
Semi-private room
Unlimited
Private room
Unlimited
(Except special cases: social assistance, age, etc.)
Up to $4,000/year
Unlimited
(Except provincial home support program)
Max: $10,000/year for private duty nursing
Max: $20,000/year for private duty nursing
Only in public facility
Private labs: $300/year
Private labs: $500/year
Dental care
| Guarantee | RAMQ | Plan A1 (Example - Executive Plus) |
|---|---|---|
| Preventive and routine dental care (reimbursement rate, amount, period) | Default Children and eligible adults only Limited province rules | 100% reimbursement Up to $2,400/year |
| Basic dental care (reimbursement rate, amount, period) | Default Only urgent care in public settings | 100% reimbursement Included in $2,400/year maximum |
| Major dental care (reimbursement rate, amount, period) | Not covered | 50% reimbursement Up to $2,400/year |
| Orthodontics (reimbursement rate, amount, period) | Not covered | 50% reimbursement $3,400/lifetime maximum |
Children and eligible adults only
Limited province rules
Up to $2,400/year
Only urgent care in public settings
Included in $2,400/year maximum
Up to $2,400/year
$3,400/lifetime maximum
Eye care
| Guarantee | OHIP | FlexCare Base Plan (iA) | Executive Plus Plan A1 (iA) |
|---|---|---|---|
| Glasses, lenses, surgery (reimbursement rate, amount, period) | Default Under 19/adults health need: up to $47/2 years for lenses, surgery if medically required | $150 per 2 years for glasses/lenses, no laser | $300 per 2 years for glasses/lenses, laser surgery $2,000 lifetime |
| Optometrist consultation (reimbursement rate, amount, period) | Default Under 19: one exam/year; 65+: one exam/year | $60 per 2 years | $65 per 2 years under 50, annually over 50 |
Under 19/adults health need: up to $47/2 years for lenses, surgery if medically required
Under 19: one exam/year; 65+: one exam/year
Specialized and Paramedical Care
| Guarantee | Provincial Health Insurance | iA Executive Plus Class K (Plan A1) |
|---|---|---|
| Alternative medicine (rate, amount, period, per consult) | Not covered | 100% up to $2,000/year combined paramedical, requires licensed provider |
| Psychologist (rate, amount, period, per consult) | Not covered | Included in $2,000/year paramedical max; 100% coverage with receipt |
| Speech therapy (rate, amount, period, per consult) | Not covered | Included in $2,000/year paramedical max; 100% coverage with receipt |
| Travel insurance (rate, amount, period) | Not covered | Emergency medical, $2 million/incident, worldwide, up to age 75 |
What is the price of iA health insurance in 2025?
Here's the cost of health insurance with Industrial Alliance:
| Type of coverage (household composition) | Plan 1 | Plan 2 | Plan 3 |
|---|---|---|---|
| Individual (1 insured) | About $48/month | About $64/month | About $91/month |
| Couple (2 insured) | About $92/month | About $124/month | About $174/month |
| Single parent family (1 adult + 2 children) | About $109/month | About $146/month | About $205/month |
| Family (2 adults + 2 children) | About $137/month | About $180/month | About $260/month |
*Prices are indicative and may change according to your personal situation and the plan selected.*
iA Group and Individual Insurance Plans
Most iA plans are obtained through employers as group insurance; for further details or to convert to an individual plan, contact iA directly.
iA Promo Codes
| iA promo codes | Details |
|---|---|
| Code promo HelloSafe | -5% clickable to comparator |
Note: promo codes may change. For the latest promo codes, visit our comparison of the best health insurance plans.
Is iA health insurance accessible to newcomers?
iA health insurance is designed for newcomers, including foreign workers, international students, and visitors to Canada who may face a waiting period before accessing the provincial health care system. This coverage fills in gaps for individuals who are not yet eligible for government health insurance, providing financial protection for unforeseen medical situations during their initial period in Canada.
The main benefits typically included are as follows:
- Medical care: Covers fees for doctor’s visits and medical services required due to illness or accident. For example, doctor’s consultations and follow-up visits may be fully reimbursed up to the plan’s annual limit.
- Prescribed care: Reimbursement of the cost of prescribed medications, standard vaccines, and necessary medical supplies. For instance, prescription drugs are generally covered after a small dispensing fee, up to an annual or lifetime limit.
- Specialized care: Access to specialists, diagnostic tests, paramedical care (such as physiotherapists or psychologists), and private duty nursing. Example: up to $2,000 per year for all paramedical services combined, and up to $10,000 per year for private nursing care where medically required.
- Emergency dental care: Coverage for dental treatments resulting from a sudden accident or acute pain. For example, expenses for emergency dental care after an accidental injury to the teeth may be reimbursed up to $500 or more, depending on the plan.
- Medical transportation: Covers ambulance transportation by road or air in case of emergency, as well as repatriation in serious medical situations. For instance, emergency transportation to hospital or return travel to your country of origin may be reimbursed up to $2 million per incident.
- Additional costs (hospitalization or death): Includes expenses linked to hospital stays (e.g., semi-private room, ancillary hospital charges up to $1,000 per admission), and, if necessary, costs associated with death or repatriation. Some plans also reimburse out-of-pocket expenses for accommodation and meals during a hospital stay.
The maximum duration for enrolment is generally up to age 75, with most plans ceasing coverage at this age. Insurance is subject to certain exclusions such as elective (non-urgent) treatments, care by non-authorized providers, and pre-existing conditions not stable before arrival in Canada. Specific conditions may apply to medical care received abroad; elective treatment outside Canada is typically not covered, with exceptions for emergencies when traveling.
Eligibility usually requires being a resident newly arrived in Canada and awaiting access to a provincial health plan, or having temporary status (such as worker, student, or visitor) with proof of residency and valid immigration documents. Coverage for dependents is available for spouses, children under 21 (or older if full-time students or disabled), provided they also reside in Canada.
Does iA health insurance cover seniors?
iA health insurance is designed for retirees and those ending a group insurance plan at work. The main advantage of the program is the possibility to switch from group to individual health coverage with no new medical exam (proof of insurability) required, provided the application is made within the specified time—typically within 31 days of losing group benefits.
- Basic Individual Health Option: Offers essential medical coverage including hospital stays, diagnostics, physician visits, and emergency care, helping maintain protection similar to former group insurance.
- Extended Health Option: Expands coverage to include prescription drugs, broader paramedical services (physiotherapy, massage, mental health support), and preventive treatments such as certain vaccines and smoking cessation aids.
- Vision Care Option: Covers regular eye exams and reimbursement for eyeglasses, contact lenses, and even a contribution toward laser eye surgery, adapted for changing vision needs as you age.
- Dental Care Option: Includes preventive and restorative dental treatment, with annual maximums for routine exams, fillings, extractions, crowns, and orthodontic work where available.
- Travel Health Option: Provides emergency medical coverage for travel outside your province, encompassing hospitalization, ambulance, and repatriation, usually up to $2 million per incident.
- At-home and Support Services: Access to certain home nursing care, medical equipment (e.g., mobility aids, orthopedic footwear), and private duty nursing when prescribed.
Applying for the iA Conversion Program
To ensure a seamless transition with no coverage interruption, submit your application for the iA conversion program within 31 days of ending your group plan. Each option has its own annual and per-service maximums, as well as standard exclusions for non-medically necessary or experimental care. Always refer to your iA contract for details and confirmation of coverage offered.
How does the reimbursement with iA work?
| Functionality | Availability | Expert Opinion |
|---|---|---|
| Online claim submission | ✅ | Enables insureds to submit health, dental, and travel claims conveniently through a secure digital platform. |
| Mobile application | ✅ | Provides access to claims, coverage details, forms, and digital ID cards from a smartphone for mobility. |
| Client portal for reimbursement tracking | ✅ | Allows real-time monitoring of claim progress, access to policy information, and management of personal details. |
| Reimbursement simulator | ❌ | No integrated tool to estimate amounts reimbursed; users must consult plan documentation or contact service. |
| Reimbursement time frame | 48h–72h | Most claims are processed and paid out by direct deposit within two to three business days after approval. |
| Add/remove members without fees | ❌ | Changes to coverage or dependents may incur administrative steps and possible fees, subject to plan provisions. |
| Phone advice from a healthcare provider | ✅ | 24/7 nurse and health advice line helps policyholders quickly assess symptoms or get support for health concerns. |
| Second medical opinion | ✅ | Access to expert medical review ensures additional reassurance in complex or serious health situations. |
| 24/7 travel emergency assistance | ✅ | Provides continuous access to multilingual support for medical emergencies while travelling outside Canada. |
Customer Reviews of iA Health Insurance
Based on what clients have shared online, here is a summary of their experience with iA:
✅ A number of customers appreciate the broad coverage offered for drug, dental, and vision care.
✅ Many users mention that having direct billing with healthcare providers makes claims and reimbursements easy and quick.
❌ Some policyholders have found the customer service process slow, especially when more complex requests or clarifications are needed.
❌ Several clients report that communication about coverage limits and exclusions can lack clarity, resulting in frustration at claim time.
Here are some of the reviews left online by current/previous clients of iA:
- "My experience with iA was positive overall: claims were processed quickly, and I always received my reimbursement by direct deposit.", R. Shaw, March 17, 2024, TrustPilot.
- "It was complicated to get clear information about what was covered, and I had to call several times to settle my claim.", A. D’Souza, March 31, 2024, TrustPilot.
How to contact iA health insurance?
| Reason for contact | Contact iA |
|---|---|
| 🧾 For a health insurance quote | Call 1-844-442-4636, Monday to Friday, 8am–6pm (ET); select the option for health insurance if prompted. |
| 🧾 For an insurance certificate | Call 1-877-422-6487, Monday to Friday, 8am–5pm (ET); mention “insurance certificate” to the advisor. |
| 🩺 For medical assistance | Call 1-800-465-9136, 24/7 for travel or health emergencies; choose “assistance” in the automated menu. |
| 🔍 For claim or reimbursement tracking | Access the Plan Member Website online or call 1-800-667-4511, Monday to Friday, 8am–5pm (local time); select “claims” or “benefits” in the menu. |
FAQ
Who can purchase iA health insurance?
You can subscribe to iA health insurance directly through the official website, but it is always recommended to compare online the different offers first using our health insurance comparison tool at https://hellosafe.ca/en/health-insurance.
Are there age requirements with iA?
iA generally provides group health insurance with coverage ending at age 75 for most health, dental, and travel benefits. You must also be a Canadian resident covered by a provincial health plan.
Can I add or remove insured members with iA?
Yes, you can add dependents such as a spouse or eligible children to your iA group plan, normally during your enrollment period or following a major life event like marriage or childbirth. Removing members is also possible by notifying your employer or the plan administrator according to the plan’s rules.
Are preventive services such as vaccines and screenings covered by iA health insurance?
Most iA group health plans include coverage for preventive care, such as vaccines and certain health screenings, though annual or lifetime maximums may apply. Details and limits vary by plan, so check your benefits booklet or speak with the plan administrator for precise information.
How does reimbursement work with iA health insurance for medical or dental expenses?
Direct billing is commonly available for hospital and pharmacy expenses with your iA or Medavie Blue Cross card. For other services, you pay upfront and submit claim forms and receipts for reimbursement within 24 months—online claims and direct deposit are also available.
What happens to my health coverage if I leave my employer or retire?
When you leave employment or retire, your iA group health coverage will end; however, you generally have 31 days to convert your group benefits to an individual plan, without having to provide new evidence of health. This allows you to maintain some coverage continuity upon leaving your employer.
Who can purchase iA health insurance?
You can subscribe to iA health insurance directly through the official website, but it is always recommended to compare online the different offers first using our health insurance comparison tool at https://hellosafe.ca/en/health-insurance.
Are there age requirements with iA?
iA generally provides group health insurance with coverage ending at age 75 for most health, dental, and travel benefits. You must also be a Canadian resident covered by a provincial health plan.
Can I add or remove insured members with iA?
Yes, you can add dependents such as a spouse or eligible children to your iA group plan, normally during your enrollment period or following a major life event like marriage or childbirth. Removing members is also possible by notifying your employer or the plan administrator according to the plan’s rules.
Are preventive services such as vaccines and screenings covered by iA health insurance?
Most iA group health plans include coverage for preventive care, such as vaccines and certain health screenings, though annual or lifetime maximums may apply. Details and limits vary by plan, so check your benefits booklet or speak with the plan administrator for precise information.
How does reimbursement work with iA health insurance for medical or dental expenses?
Direct billing is commonly available for hospital and pharmacy expenses with your iA or Medavie Blue Cross card. For other services, you pay upfront and submit claim forms and receipts for reimbursement within 24 months—online claims and direct deposit are also available.
What happens to my health coverage if I leave my employer or retire?
When you leave employment or retire, your iA group health coverage will end; however, you generally have 31 days to convert your group benefits to an individual plan, without having to provide new evidence of health. This allows you to maintain some coverage continuity upon leaving your employer.
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