Health Insurance For Self Employed in Canada (2025)

Being self-employed has a lot of upsides. You get to be your own boss, set your own hours, and plan your professional life on your own terms. The downside? No group health insurance. Whether it’s prescription medication, vision care, dental visits, or other preventative care, the costs can be substantial. 

Health insurance plans for self-employed individuals help cover the costs of medical expenses that provincial coverage does not cover. 

Read on to find out how to choose the best health insurance plans for self-employed people and more expert tips.

What does health insurance for self-employed individuals mean?

Health insurance for self-employed individuals in Canada refers to health coverage plans that are specifically tailored for those who run their own businesses or work as freelancers. Such individuals do not have employer-provided benefits and need a health insurance plan that covers medical expenses such as doctor visits, hospital stays, medications, and more.

Self-employed individuals often purchase these plans through private insurers, government exchanges, or association health plans. They have the flexibility to choose from a variety of coverage options, though premiums, deductibles, and out-of-pocket costs can vary depending on the plan chosen. Additionally, self-employed individuals may be eligible for tax deductions on their health insurance premiums, making it more affordable.

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Private vs. government healthcare

Government healthcare in Canada has limited coverage. It generally only covers emergency care that requires urgent intervention such as doctor’s visits, emergency surgeries, hospitalization due to a severe illness, etc. 

Private health insurance covers health care services and other medical expenses such as prescription medication, paramedical services (chiropractic services, physiotherapy, massage), and other medical equipment (CPAP machines, crutches, nebulizers, etc.).

As someone who is self-employed, you are entitled to provincial health insurance. But it may not be enough. Think of it this way: public health insurance handles immediate care of injury and illness, while private health insurance covers the costs needed to fully recover.

Provincial/territorial healthcare coverage

Provincial and territorial healthcare systems in Canada, known as universal healthcare, provide coverage for essential medical services deemed medically necessary.

This includes emergency services, doctor visits, specialist referrals, hospital stays in standard rooms, primary mental health care, palliative and end-of-life care, maternity care, and some prescription drugs.

Self-employed individuals should get private health insurance to supplement their provincial coverage. 

Provincial health vs private health

What are the advantages of personal health plans for self employed individuals in Canada?

The main advantages of private health insurance for self employed Canadians are the flexibility it brings with customizable options, tax benefits, portability, and more. Let’s look at these in detail:

  • Flexibility: A self-employed person gets to choose their individual plan, rather than being stuck with a group plan that may not fit their unique needs
  • Customizable options: Similarly, they can tailor their health insurance coverage to make sure their plan works best for them
  • Independence: Having your own individual plan plan for health coverage means you’re not reliant on anyone for financial protection
  • Portability: Health coverage through an employer will end if you leave the job or retire, but private insurance moves with you
  • Tax benefits: You can get a tax deduction for health insurance premiums you pay for a private health plan. We’ll talk more about this below

Why do self-employed individuals need private health insurance?

Self-employed people need private health insurance to fill the gaps in provincial or government coverage. Private health insurance offers financial protection and tax benefits, both of which are important for self-employed individuals. 

Let’s take a detailed look at why self-employed individuals need private health insurance:

  • Provincial health plans cover emergency medical care. Other essential services such as dental care, vision care, mental health related therapies, massages and chiropractors, are all covered under private health insurance. Without private health insurance, the costs for these services can be substantial
  • Unexpected medical bills on top of running a business is not a good combo. Private health insurance helps ease the financial burden that a sudden illness can cause
  • The premiums for private health insurance can often be deducted from a self-employed individual’s taxable income. This makes private health insurance affordable and financially advantageous

Having private health insurance coverage can help you stay healthy and focused on your work. It means you won’t have to worry about unexpected medical bills that could hurt your personal and business finances.

What does private healthcare insurance cover?

Private healthcare insurance in Canada supplements provincial healthcare by offering coverage for services not fully covered by the public system.

This typically includes:

  • Dental care
  • Vision care (including eyeglasses and contact lenses)
  • Prescription drugs (often with more comprehensive options)
  • Semi-private or private hospital rooms
  • Certain medical services not covered by provincial plans (such as chiropractic care, physiotherapy, and massage therapy)
  • Enhanced coverage for ambulance services, medical equipment, and treatments abroad

Healthcare Service Provincial Healthcare Private Healthcare
Emergency Services Fully covered Covered; can offer additional services
Hospital Stays Fully covered (standard room) May or may not be covered
Prescription Medications Limited coverage (varies by province) Covered; typically more comprehensive coverage
Surgical Procedures Covered May or may not be covered for some kinds of surgeries
Maternity Care Fully covered Covered; may offer additional prenatal and postnatal care
Mental Health Services Limited coverage; varies by province Covered; includes a broader range of services
Diagnostic Tests (e.g., MRI, X-ray) Covered; wait times may apply Covered; usually faster access
Dental Care Not typically covered Covered under specific plans; varies by plan
Vision Care Not typically covered Covered under specific plans; includes eye exams and corrective lenses
Physiotherapy Limited coverage Covered; more extensive options available
Chiropractic Services Limited coverage Covered under specific plans
Alternative Medicine (e.g., acupuncture) Not typically covered Covered under specific plans
Home Care and Nursing Services Limited coverage Covered; often more extensive
Long-term Care Partially covered; subsidies available Covered under specific plans; usually better facilities
Ambulance Services Partially covered; co-payment required Covered; may provide additional coverage for costs
Medical Equipment Partially covered Covered; often more comprehensive
International Travel Coverage Not covered Covered; includes emergency medical services abroad
Cosmetic Surgery Not covered Covered under specific plans
Health and Wellness Programs Not typically covered Covered under specific plans; includes gym memberships, wellness programs

Tip

Did you know?

Statistics show Canadians spend over $300 million on health care expenses every year. That’s about $9,000/year for every single person — and health care costs are rising. Self-employed people can get help with some of this cost if they have personal health insurance.

What kind of health benefits can I get if I’m self employed?

Self-employed Canadians can get health insurance that only covers costs related to health, like prescription drugs, paramedical services, or nontraditional therapies. Or, they can also get a plan with supplemental coverage, which can help cover costs for things like dental and vision care.

What does health insurance cover?

Let’s look at the different types of coverage the self-employed can access in Canada below.

Traditional health insurance

Personal health insurance plans come in tiers, depending on the coverage level that you’re looking for. In general, these health insurance packages come in basic, standard, or enhanced. The more the plan covers, the more it will cost.

Cost and coverage tier for traditional health insurance

Plan Type Coverage Price
Basic health plan Prescription drugs – 70% of the first $750 (up to $525 every year) 

Dental – 70% of the first $575 (up to $400 every year) 

Vision – $150 every 2 years 

Travel – $5 million in emergency health coverage for the first 9 days of each trip

$97/month
Standard health plan Prescription drugs – 70% of the first $750 and 90% of the next $4,972 (up to $5,000 every year)

Dental – 80% of the first $400 and 50% of the next $860 (up to $750 every year)

Vision – $250 every 2 years

Travel – $5 million in emergency health coverage for the first 9 days of each trip

$111/month
Enhanced health plan Prescription drugs – 90% of the first $2,222 and 100% of the next $8,000 (up to $10,000 every year)

Dental – 100% of the first $500 and 60% of the next $700 (up to $920 every year)

Vision – $250 every 2 years

Travel – $5 million in emergency health coverage for the first 9 days of each trip

$171/month

*Quote for a 35-year-old person in Ontario with no pre-existing health conditions.

Supplemental health insurance

Aside from the health insurance coverage we noted above, self-employed people can also get supplemental health insurance to cover vision and dental care needs.

Dental insurance for self employed

To get dental costs covered, self-employed people can get private health benefits. Most private health insurance plans have dental built right into the plan cost, but some may only have it for standard or enhanced tiers of coverage.

Vision care insurance for self-employed

Many individual health coverage plans also have vision care built into their packages. Usually, basic packages will cover you for an eye exam at least once every two years. Some also cover some costs for glasses, but plans can include other services too.

How much does health insurance cost per month for a self-employed person?

The average costs of private health insurance costs around $80 to hundreds in monthly premiums for self-employed Canadians. The cost of health insurance depends on your age, where you live, what kind of plan you buy, and more. The chart below shows some sample quotes for private health coverage for self employed individuals.

Health insurance cost per month for a self employed individual

Plan Type Sun Life Manulife Desjardins
Basic $61.32/mo $114.40/mo $101.19/mo
Standard $126.62/mo N/A $101.19/mo
Enhanced $199.46/mo $176.40/mo $132.29/mo

*Quotes based on single-person coverage (for yourself only) for a 35-year-old resident of Ontario in normal health.

Get affordable health insurance quotes!

Give us a call at 1-888-601-9980 or book some time with our licensed experts.

Are there deductible options for self-employed health cover in Canada?

Yes, private health insurance has several options for deductibles. This is how much you have to pay out of pocket before insurance starts helping with the costs. The deductible makes a difference in your premium rates. Higher deductibles mean lower monthly premiums, but you also have to pay more upfront if you have a claim.

Is health insurance tax deductible for self-employed in Canada?

Yes, self-employed Canadians can deduct their health insurance on their yearly income tax return under the Medical Expense Tax Credit. You can qualify as long as:

  • You are the sole proprietor of your business
  • Your business income is your primary source of income

You may be able to claim medical expenses on behalf of your dependents too. Just be sure to consult a tax professional to make sure you’re filing properly.

What insurance is best for the self-employed?

The best health insurance for self-employed individuals depends on their unique requirements and circumstances. If you are young, generally healthy, and with no dependents, a standard private health insurance plan might work for you. If you have a family and are a smoker, an enhanced plan might work better for you. For those with a pre-existing health condition, a guaranteed acceptance plan will work best. 

To get you started in thinking about which plan would work best for you, check out some of our self-employed friends below and see what plan worked best for them.

Best health insurance for personal trainer

We suggest… 

A standard plan.

Why?

Her spouse’s plan has fairly decent coverage for prescription drugs and dental insurance. That would cover most of Solange’s needs, and her own basic plan will make up the rest. If things change in the future and they have kids, we would suggest a more comprehensive supplementary plan. But for now, basic coverage is perfectly fine.

Best health insurance for photographer

We suggest…

An standard plan.

Why?

While she has great coverage through her husband’s federal employee benefits plan, Cindy’s income in inconsistent and she doesn’t always have extra income to cover the remaining 20-30% of the medical service bills. Plus, her three boys all need braces. Her husband’s plan will cover about 70% of that, and her standard plan could make up the rest.

Best health insurance for graphic designer

We suggest…

An enhanced plan.

Why?

His daughter has coverage through his ex-wife’s work plan, but Danish doesn’t have any coverage at all. As a self-employed business owner and single dad who is pre-diabetic, he needs to take his health seriously — and every penny counts. An enhanced plan can help him budget his healthcare costs so he can provide for his daughter and protect himself.

What are the best health and dental insurance companies for the self-employed?

These are the companies our experts recommend for the best self-employed health insurance plans:

  • Blue Cross (Ontario) — unmatched prescription and dental coverage without limits
  • Canada Life — comprehensive coverage options and flexible plans
  • Manulife CoverMe — great options for flexibility and add-ons like dental-only, vision-only, or prescription drugs-only
  • Sun Life — offers health coverage as one of its flagship products
  • GreenShield (Sure Health) — offers guaranteed acceptance coverage for those with pre-existing conditions or who cannot qualify for other plans
  • Desjardins — offers a SOLO healthcare product specifically for health and dental
  • GMS — also has guaranteed acceptance plans plus no waiting periods and a LifeWorks digital wellness program to promote physical and mental well-being

How to get the best health insurance for self-employed individuals?

If you’re looking for advice on how to apply for the best self-employed health insurance options, just follow these 5 tips below:

Figure out what you need

The key to getting the best coverage is knowing and understanding what essential health benefits you need to cover and how the cost compares to the advantages.

Shop around

Comparing health insurance quotes can be easily done online through PolicyAdvisor. Look at different options to find the package that gives the most bang for your buck.

Apply online

Time is money and you can save both when you submit your application online with one of our friendly, licensed advisors. Getting medical insurance for self employed people is fast and easy with us

Compare companies closely

The health insurance provider you choose makes a difference. Compare quotes for health insurance from top companies to find who can give you the best deal. Or speak with our licensed advisors and let us do it for you!

Check with associations you’re part of

If you’re a part of any organization, check and see if they offer insurance coverage or discounts. Many of them offer exclusive insurance plans or deals.

What to avoid when looking for the best medical insurance for self employed in Canada?

When looking to get the best self-employed health insurance coverage, you should also avoid these faux-pas:

  • Not comparing quotes — There’s no shame in window-shopping. Shop around before you buy, or contact us and let our agents help you find the best health plans for self-employed Canadians
  • Skipping reviews — See what real customers have to say before you choose to buy from an insurance company
  • Waiting too late — The sooner you buy, the lower your premiums will be and the better your plan options will be
  • Cutting corners — You don’t have to get the most expensive plan, but don’t leave yourself without enough coverage either. Insurance isn’t something to skimp on
  • Short-term thinking — Think about yourself and your business long-term to get a plan that will cover you now and in the future
  • Not reading your policy — Understanding your coverage details is important to make the most out of your coverage, and your policy will tell all. Be sure to read it carefully!

Get affordable health insurance for self-employed individuals in Canada

If you’re a self-employed individual looking to find the right health insurance coverage that fits your diverse needs, you may need a little help! While you may be aware of your needs, it can be difficult to go through all the plans on your own!

This is where health insurance advisors like our experts at PolicyAdvisor come in! Not only can we help you pick the right plan, but we can also help you get the best possible riders and customization to ensure all your needs are taken care of. With the help of PolicyAdvisor, you can focus on your business while we keep you financially protected in case of a medical emergency.

Need help?
Call us at 1-888-601-9980 or book time with our licensed experts.
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Frequently Asked Questions

Can a self-employed person get group benefits?

No. If you are an independent worker, self-employed, or a gig worker, you are likely not able to access group benefit plans unless you:

  • Are covered on a spouse’s plan
  • Have coverage through a club or other group association
  • Are a small business owner who bought a group plan for your employees

Unless you fit one of these categories, you should buy your own health plan for self employed Canadians.

Can I get health insurance for my business?

Yes. If you are a small business owner, you can buy an affordable health insurance plan as a group benefits package for yourself and your employees.

What if I’m newly self-employed, but had health insurance with my previous employer?

If you recently left a job that had a company group plan, many insurance companies will let you get guaranteed issue health insurance that doesn’t ask medical questions.

  • As long as you apply within 60-90 days of your employee benefits ending, you may be able to keep your same health care plan.
  • But, there may be better health coverage choices available to you.

There are many affordable health insurance plans for self-employed individuals. Speak with one of our licensed insurance advisors to plan out your best move for coverage.

What other insurance should I have if I’m self-employed?

As a self-employed person, you should consider buying:

  • Disability insurance
  • Critical illness insurance
  • Life insurance
  • Liability insurance
  • And more
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Best Health Insurance for Seniors in Canada (2025) – Types, Benefits & Costs

If you’ve made it to the sunset years, you’re one of the lucky ones! Congrats! 

When you approach that golden retirement age of 65, you have a lot to look forward to! No more work, more free time, vacations, and discount pancakes at Denny’s on Wednesdays to name a few. But as you age, there are a few things you should square away before your final clock out. 

A common question you might have is, do I have enough money to retire? But you should also consider your health insurance. Does your health insurance follow you after you retire? Will you be able to get health insurance as you age or if you have a pre-existing condition? Read on to find out how to choose the best health insurance plans for seniors.

What is personal health insurance for seniors?

Private health insurance is used to cover medical expenses that government health care does not. Coverage for seniors health insurance may include:

  • Prescription medications
  • Dental services
  • Vision care
  • Paramedical services (massage, chiropractic care, physiotherapy, mental health services, etc.)
  • Medical equipment
  • Travel insurance (emergency medical)

In addition to these preventative and restorative health care services, your private health insurance plan can cover other commonly required medical expenses for seniors.

  • In-home nursing and home care for registered nurses, practical nurses, and care aids
  • Hearing aids
  • Orthopedic shoes
  • Cancer treatments
  • Wheelchairs, walkers, and traction kits
  • Diabetic supplies
  • Medic alert systems
  • Oxygen tanks
  • Semi-private or private hospital rooms
  • Ambulance trips
  • Other medical supplies

Your exact coverage and coverage limits will depend on the type of plan you have.

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Call 1-888-601-9980 to speak to our licensed advisors right away, or book some time with them below.

What are the best health insurance plans for seniors & retirees?

The best health plan will depend on your unique situation. In general, there are three types of health insurance available for seniors:

  1. Personal health insurance
  2. Replacement health insurance
  3. Guaranteed acceptance health insurance

1 Personal health insurance for seniors

Every provider has different names for their personal health insurance plans with varying coverage amounts and limits. Personal health insurance plans are best for seniors in good health, who don’t have pre-existing health conditions, and who don’t need coverage instantly. These plans are the least expensive with the best coverage. 

Personal health insurance is generally divided into three tiers, with coverage and cost going up with each tier. Every plan will have a deductible amount, a waiting period before you can claim coverage, and its own process for claims.

Some health insurance providers direct bill, while others will require you to pay for your medical expenses upfront and will reimburse you after you submit the receipts for your medical bills.

2 Replacement health insurance for retirees

If you’re retiring, you may not be able to hold onto the health insurance benefit that came with your career. That’s where replacement health insurance comes in.

As long as you apply within 30-90 days of your employer coverage ending, you will be accepted for the replacement plan. Unlike your old work policy, you get the flexibility of choosing coverages to fit your unique retirement needs.

Replacement coverage does not have to be with the same insurance provider as your employer plan, but you do have to make sure you switch over within the 30-90-day eligibility window. There is minimal medical underwriting and no medical exams for replacement coverage, so a retiree with minor pre-existing conditions may consider this as a good option. 

3 Guaranteed acceptance health insurance

If a senior isn’t eligible for regular personal health insurance or a replacement plan due to health reasons, some health insurance providers offer a guaranteed acceptance health insurance option.

The eligibility criteria for guaranteed coverage are low. These policies have very few application questions—it’s kind of a pay-to-play policy.

It’s more expensive than traditional policies because they don’t ask as many questions. However, it can be an option for you if you are declined because of any previous illness like heart disease, diabetes, or high blood pressure. These basic plans often only provide limited health coverage and may not have dental coverage or vision care benefits. 

Find out what personal health insurance in Canada covers

Compare health insurance policies for retirees and seniors

The perfect health policy for you will depend on your health and employment situation as a senior. The chart below outlines how the top-tier plans compare for personal health insurance, replacement health insurance, and guaranteed health insurance in terms of coverage and price. 

Types of health insurance for seniors and retirees

Coverage Personal health insurance Replacement health insurance Guaranteed acceptance health insurance
Prescription drugs 100% up to $10,000 per year 80% up to $2,600 per year 80% up to $2,500 per year
Dental care 100% preventative care up to $920 80% preventative up to $800 per year 80% preventative up to $562
Vision care $250 every 2 years $200 every 2 years $150 every 2 years
Pramedical expenses $25 per visit, up to $500 per year per service Up to $650 per year combined 80% up to $500 per year
Travel medical  $5 million in emergency health coverage for the first 10 days $5 million in emergency health coverage for the first 10 days $5 million in emergency health coverage for the first 10 days
Price $212/month $224/month $258/month

*Quote for a 65-year-old single person in Ontario with no pre-existing health conditions or dependents. 

Keep in mind, these are example plans with the top-tier coverages for all plans. Depending on your personal health history and company you’re applying for, not all coverages may be available. Additionally, not every plan will have a deductible amount, eligibility qualifications, waiting periods before you can claim coverage, and its own process for claims.

What are the different types of health plans?

Every person will have different health needs and require a different plan to meet their current and expected medical expenses.

You might choose the following options:

  • Personal Health Plan

  • If you are in good health
  • If you are 69 years old or under
  • If you want to coordinate benefits with other plans (employer, group, or spouse’s plan)
  • If you are looking for your expenses to be 100% covered through the coordination of benefits
  • If you want to coordinate benefits with other plans because you or your family has high medical costs (i.e. lots of kids with braces, glasses, medications)

  • Replacement Health Plan

  • If you are retiring and may have health issues that would bar you from standard health insurance
  • If you’re leaving a job with regular benefits
  • If you need coverage within 30-90 days of your group benefits ending

  • Guaranteed Acceptance Health Plan

  • If you have any pre-existing conditions or health issues
  • If you don’t want to go through medical questionnaires
Need health insurance?

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Can I keep my employer’s health insurance when I retire?

Sometimes. Some employers will allow you to keep your group health insurance plan when you retire. Some will have age restrictions, depending on the contract they have with their group health insurance provider.

If you cannot keep your employer group health benefits when you retire, you can purchase your own personal health insurance, replacement plan, or guaranteed plan.

Your best bet is to shop around before you decide on any replacement or guaranteed plans. Guaranteed or instant approval plans can be expensive and group plans have restricted coverage, so they may not be best for you as you entire retirement age.

Individual plans allow you the flexibility to choose your own coverage options. They are underwritten based on your own personal lifestyle and health history, not an average of those in your group.

Options for your health plan when you retire: 

  • Keep your employer’s group plan
  • Transfer your group policy to an replacement policy
  • Shop around for your own affordable health insurance plan

At PolicyAdvisor, we can help you look at your current plan details and see if it’s working for your needs either now or as you approach that golden 65th birthday retirement age. If not, we work with Canada’s best health and dental insurance providers and can find the perfect plan for you.

How much does personal health insurance for seniors cost?

You can expect to pay $150-300 per month for health insurance as a senior. The cost will depend on your age, health, and any pre-existing conditions. Personal health insurance plans are the most affordable health insurance for seniors.

Replacement health insurance has a mid-range cost but with lower benefit amounts. Guaranteed health insurance is the most expensive plan for seniors because there is little underwriting. 

Find how how much personal health insurance costs in Canada
Quotes Icon Author Photo
Ryan Seeburger
Life insurance advisor, LLQP
Private health insurance steps in where provincial coverage falls short. It’s essential for the health recovery and maintenance.

Is health insurance worth it for retirees in Canada?

Yes. Health insurance is worht it for seniors and retirees. Just like the price of housing, food, and everything else, medical costs are going up by the day. While Canada’s publicly funded healthcare system provides essential medical services, it may not cover all the healthcare needs of seniors like mobility equipment and drug costs. Private health insurance helps alleviate the financial burden, making healthcare more accessible and affordable for seniors.

The reality is, that the older we get, the more likely it is that our health will deteriorate. Having an extended health insurance plan in place makes sure that you don’t have to stress about how you’re going to pay for your next medical treatment or medication.

Having health insurance means more than financial protection—it provides peace of mind. Your quality of life is directly linked to your health care. Having health insurance allows you to focus on your well-being without worrying about potential expenses. And that is priceless!

When buying travel insurance for parents, you need to disclose any pre-existing medical conditions they may have.

Can I get health insurance if I have a pre-existing condition?

Yes. It’s possible to get health insurance if you have a pre-existing condition. However, the extent of your coverage and the price will depend on your health history. Even if you’ve survived a serious health event like a heart attack, stroke, or cancer, or if you have a chronic health condition, you can still get health insurance. However, policies may have a particular waiting period after these events until they can provide coverage.

Guaranteed-issue plans are usually the go-to option if you have any kind of pre-existing medical condition that bars you from traditional health insurance plans. These plans are fast, easy, and convenient to apply for because they don’t ask many health questions. Some may limit your coverage for prescription drugs related to your pre-existing condition. Some may not have dental benefits or vision coverage. Additionally, they are more expensive than other plans.

Explore health insurance plans for people with pre-existing conditions in Canada

What is the best health insurance company for seniors?

The “best” senior health insurance company really depends on your needs and budget. If you have existing health conditions or other complex health issues, you might consider guaranteed issue medical plans, which are only offered by some companies. However, if you’re in good health for your age, there are many coverage options. 

Here are our health insurance partners that have affordable health insurance plans for seniors in Canada: 

  • Blue Cross: Offers personal and replacement plans. 
  • Canada Life: Offers personal and guaranteed plans. 
  • Desjardins: Offers personal and replacement plans. 
  • GMS: Offers personal and guaranteed plans. 
  • GreenShield: Offers personal, replacement, and guaranteed plans. 
  • Manulife: Offers personal, replacement, and guaranteed coverage plans. 
  • Sun Life: Offers personal and replacement plans.

What to consider when buying health insurance for seniors in Canada?

When buying health insurance for seniors in Canada, you need to consider several factors, such as:

  • Health status: Your policy must address both ongoing and potential health concerns, such as heart disease, osteoporosis, and diabetes, which are more prevalent among seniors
  • Types of services: Your insurance plan should cover services not included in provincial healthcare, such as prescription drugs, dental and vision care, and paramedical and travel expenses, to help reduce your overall healthcare costs
  • Premiums: Health insurance premiums for seniors typically range from $150-300 monthly, depending on the applicant’s age, health status, and desired coverage. The ideal plan should balance affordability with coverage
  • Additional benefits: Review optional add-ons offered by a provider. Many providers let you customize your coverage for specific needs, such as physiotherapy and chiropractic care

Get the best quote for seniors health insurance

We understand the unique healthcare needs of seniors and are committed to helping you find the perfect medical coverage that suits your requirements. Our easy-to-use platform provides access to a wide range of top-tier insurance providers, ensuring you have ample options to choose from.

With PolicyAdvisor.com, you can compare plans, benefits, and costs effortlessly, empowering you to make informed decisions that prioritize your health and financial well-being.

If you’re looking to talk to a real human advisor, we have those too! 

Book a call with one of our friendly expert insurance advisors today to chat about protecting your personal and financial health today!

Need insurance help?

Give us a call at 1-888-601-9980 or book some time with our licensed experts.

Frequently asked questions (FAQs)

Is healthcare free for seniors in Canada?

In some provinces, there are programs for senior health care for those who need financial assistance. These programs may assist with the partial cost of prescription drugs and other healthcare services not covered by the standard government plan.

The eligibility requirements for these social assistance programs vary—some just require that you be over 65 while others have income thresholds. For more information about services for seniors, visit your provincial government’s website.

Do seniors get a discount on health insurance?

Some provincial healthcare programs help with out-of-pocket medical expenses, but private health insurance companies don’t offer discounts. This is because the rate of illness and injury among seniors can be high. That being said, health insurance is a competitive market and there are plans at various coverage and premium levels available to you depending on your budget.

What is the average cost of medical expenses in retirement?

Experts estimate at age 65, the annual spend on health care is $5,400 per person. This research is from a 2014 report and as inflation increases, retirees can expect to pay more. This estimate is also for a healthy individual. If you develop or are diagnosed with any type of serious illness, you can expect to pay more.

For example, 1 in 2 Canadians will be diagnosed with cancer once in their lifetime—with a greater chance of this as you age. Cancer medicine with 28-day treatment costs over $7,500 now accounts for more than half of all oncology sales in Canada.

What is long-term care insurance?

Long-term care insurance is a type of insurance policy designed to cover the costs associated with long-term care services for individuals who need assistance with daily living activities due to illness, disability, or aging.

These services typically include help with activities such as bathing, dressing, eating, and mobility, which may be required either in a nursing home, long-term care facility, assisted living facility, or even in the individual’s own home.

This is not the same as health insurance and is a separate insurance product. However, some health insurance plans have coverage for in-home care.

What is the best type of insurance for seniors?

The best type of health insurance for seniors involves a combination of provincial healthcare and private health insurance, tailored to specific needs. Provincial healthcare covers essential services, while private insurance takes care of prescription drugs, dental and vision care, and paramedical and travel expenses.

Some private insurance options are:

  • Personal health plan: For those who are in good health and who want to combine the benefits of personal health insurance with other plans, such as employer, group, or spousal insurance
  • Replacement health plan: For those who are retiring from their job and need to replace their group benefits within 30-90 days of their ending
  • Guaranteed acceptance health plan: For individuals with pre-existing health conditions or those looking to avoid medical underwriting
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Personal health insurance for families in Canada: A guide

Navigating healthcare needs for your family can be challenging, especially when it comes to finding coverage that suits everyone’s unique requirements. Personal health insurance for families in Canada offers an essential safety net beyond provincial health plans, providing coverage for services like dental care, vision, prescription medications, and more.

Whether you’re preparing for the unexpected or simply looking to bridge coverage gaps, personal health insurance can be a valuable investment in your family’s health and well-being.

What is personal health insurance in Canada?

Personal or private health insurance in Canada are health insurance plans that an individual purchases for themselves or their families. These plans provide coverage for healthcare expenses that are not covered by provincial healthcare plans. 

While Canada’s public healthcare system covers essential medical services, it often doesn’t include additional services like dental care, prescription drugs, vision care, physiotherapy, and mental health services. Personal health insurance helps fill these gaps, offering families access to a broader range of healthcare benefits.

These insurance plans can be customized based on the insured’s needs and budget, ensuring coverage for specific services that vary in cost across provinces. With personal health insurance, Canadians can manage their healthcare expenses more effectively. This reduces out-of-pocket costs and provides greater access to a range of healthcare options.

Explore in details about the intricate workings of health insurance in Canada
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Why do families need personal health insurance?

Personal health insurance can help families cover the additional cost of medical treatments that are not covered by Canada’s public healthcare system. 

Families who have private health insurance plans are financially secure knowing that any medical bills will be taken care of, they have comprehensive coverage including preventative medication, and have access to quality care.

Here are some of the reasons why families in Canada go for a personal health insurance plan:

  • Access to preventative care: Families can benefit from comprehensive health check-ups, vaccinations, and screenings, which can help identify potential health issues early on
  • Comprehensive coverage with quality healthcare: Personal health insurance in Canada offers access to services like chiropractic care, mental health counselling, physiotherapy, and specialist visits that may not be fully covered by provincial plans
  • Financial security: Personal health insurance provides families with financial stability by covering a wide range of medical expenses that would otherwise require out-of-pocket payments

What is covered under family health insurance in Canada?

Personal health insurance for families covers prescription drugs, dental and vision care, paramedical services, hospital and ambulance coverage, and mental health services.

  • Prescription drug coverage: Covers the cost of regular prescription medications, making regular medications more affordable
  • Dental and vision care: Includes dental services, such as cleanings, fillings, and preventive check-ups, along with vision coverage for eye exams and eyewear
  • Paramedical services: Covers paramedical services like physiotherapy, chiropractic care, and massage therapy
  • Hospital and ambulance coverage: Provides additional support for hospital stays, private or semi-private rooms, and ambulance services not covered by provincial healthcare
  • Mental health services and counselling: Includes coverage for mental health services, with access to counselling, therapy, and psychological support for all family members

Which health insurance is best for families?

The best health insurance for families in Canada depends on factors like coverage needs, budget, and the specific healthcare services each family prioritizes. 

However, some insurance providers such as Manulife, Sun Life, Canada Life, Green Shield and Blue Cross are popular for offering comprehensive family coverage options:

1 Blue Cross: Best for prescription medication & dental coverage

Blue Cross is known for its strong prescription and dental coverage, offering plans that cover a significant portion of medication costs, routine dental exams, cleanings, and other dental services.

2 Canada Life: Best for vision coverage

Canada Life offers some of the most comprehensive vision care plans, including coverage for eye exams, prescription eyewear, and even laser eye surgery in select plans.

3 Sun Life: Best for affordability

Sun Life offers affordable health insurance options for families. Their budget-friendly plans allow families to access necessary coverage without breaking the bank, making it an ideal choice for those looking for cost-effective health insurance solutions.

4 Green Shield Canada: Best for paramedical coverage

Green Shield Canada offers robust paramedical coverage, including services like chiropractic, physiotherapy, massage therapy, and acupuncture. For families who value alternative or supplementary healthcare treatments, GSC provides extensive support in managing ongoing wellness and recovery needs.

5 Manulife: Best for customization

Manulife is highly customizable, allowing families to tailor plans with add-ons like dental, vision, and travel insurance. With various levels of coverage and options to mix and match based on specific needs, Manulife is ideal for families seeking a personalized approach to health insurance.
Find out if your health insurance covers pre-existing condition coverage benefits in Canada
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How much do most families pay for health insurance?

Families in Canada typically pay between $160 to $280 for personal health insurance plans. These figures may vary based on the family size, age, and gender of family members along with the health history of the individuals. Here is what family health insurance plans may look like:

Cost of personal health insurance for families in Canada

Family type Approximate cost (Starting from)
Family of four (35M, 30F, 10C, 7C) $167.24/month
Family of five (45M, 38F, 15C, 10C, 4C) $204.32/month
Family of six (70M, 63F, 25M, 25F, 8C, 3C) $278.22/month

*Note: Maximum age for a dependent child is 25 years old

Is family health insurance worth it in Canada?

Yes, family health insurance is worth it for many families in Canada. It provides coverage for essential healthcare expenses not included in provincial plans. Services like prescription drugs, dental and vision care, mental health support, and paramedical treatments can result in high out-of-pocket costs without insurance. 

Family health plans offer financial protection, access to a broader range of care, and peace of mind. For families with specific healthcare needs or young children, insurance can be a valuable investment in their overall health and financial stability.

Can parents be dependents on health insurance in Canada?

In Canada, parents typically cannot be classified as dependents on standard family health insurance plans. Most health insurance policies define dependents as children under a certain age, often up to 21 or 25 if they’re students.

However, some insurance providers such as Canada Life offer extended family or specialized plans that may allow coverage for aging parents, although this is less common and usually incurs additional costs. 

Another option is to explore individual health insurance policies specifically for parents or seniors. These policies can be customized to cover their unique healthcare needs, such as prescription drugs, dental, and vision care.

Learn more about the best health insurance for seniors in Canada.

How to choose the right health insurance plan for your family?

Choosing the right health insurance plan requires an understanding of your needs. While some plans offer comprehensive care at a higher cost, others may offer you the freedom to add extra benefits. Making the right choice can become difficult when there are a lot of options to choose from!

This is where professional advisors such as our experts at PolicyAdvisor come in. Once we evaluate your profile and assess your requirements, PolicyAdvisor can help you find the right health insurance policy well within your budget. With PolicyAdvisor, you can also enjoy the perks of receiving free instant quotes, best industry rates and a lifetime of after-sales support for all your queries!

Not only that, we can help you choose the best riders to ensure that your health insurance policy provides you maximum coverage even with pre-existing conditions.

Your health needs an overall protection.

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Frequently asked questions

Can I switch providers or upgrade my family health insurance plan?

Yes, you can switch providers or upgrade your family health insurance plan in Canada, though it’s essential to review each provider’s specific terms. 

Most insurance plans allow adjustments during renewal periods or for certain life events, like a new family member. Be mindful of any waiting periods, coverage exclusions, or premium changes that may apply. 

Are there tax benefits for purchasing family health insurance in Canada?

Yes, there are tax benefits for purchasing family health insurance in Canada. Premiums paid for private health insurance can qualify as a medical expense, which may be eligible for the Medical Expense Tax Credit (METC) on your federal income tax return. 

If health insurance is provided through an employer, premiums are often tax-deductible for the employer. Employees may not need to pay tax on these benefits, depending on provincial rules.

Are pre-existing conditions covered under family health insurance?

Yes, pre-existing conditions are covered under some family health insurance. Coverage for pre-existing conditions under family health insurance in Canada varies by provider and plan. Some insurers may cover pre-existing conditions after a waiting period, while others exclude them entirely. 

Comprehensive plans are more likely to offer partial or conditional coverage, often requiring a medical assessment beforehand. It’s essential to review policy terms closely, as limitations or higher premiums may apply.

Is dental and vision coverage included in all family health insurance plans?

No, dental and vision coverage is not included in all family health insurance plans in Canada. While many comprehensive plans offer dental and vision as part of their package, basic or lower-tier plans may not cover these services. 

Some insurers provide optional riders for dental and vision care at an additional cost, allowing families to customize coverage.

Can I add or remove family members from my health insurance plan?

Yes, you can typically add or remove family members from your health insurance plan. New family members, such as newborns or spouses, can usually be added during a specific enrollment period or life event. 

Removing members is also allowed, often at the plan’s renewal. Be sure to check with your provider regarding timing and any changes in premiums or coverage when adjusting family members.

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Comprehensive Health Insurance Options for Students in Canada

Have you ever reviewed the breakdown of your student fees? Among the long list of expenses like tuition, books, gym memberships, and student building improvement fees, you’ll likely find a charge for your student health insurance plan.

While the premium for these group plans is usually affordable compared to other costs, every expense adds up. Naturally, many students wonder: Should I opt out of my student health insurance plan?

The answer depends on your circumstances. You might think being young and healthy means you don’t need health insurance. But that’s not entirely true!

Health insurance for international students is essential for more than just managing unexpected illnesses or injuries—it also helps you access preventive care and other critical health services.

Whether you’re covered by your parents’ plan, enrolled in your school’s plan, or exploring options to buy health insurance for international students, this article will help you make the most of your coverage.

How does student health insurance work?

Student health insurance typically combines provincial health care (for Canadians) with private health insurance to provide comprehensive coverage for medical needs. Here’s how it works:

Provincial health care

  • Provincial plans are funded by tax dollars and provide “free” basic healthcare services
  • Coverage includes essential medical care such as hospital stays, surgeries, and doctor visits

Private health insurance

  • Private insurance supplements provincial plans by covering additional medical services like prescription medications, dental care, and vision care
  • These plans require payment of a monthly or yearly premium, with coverage varying based on the insurer, policy details, and personal health history
Learn more about the differences between provincial and personal health insurance.
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What does health insurance cover?

Private health insurance typically covers medical expenses not included in public or provincial health care plans. Common areas of coverage include:

  1. Prescription medications – Costs for prescribed drugs not covered by provincial health plans
  2. Dental care – Services like cleanings, fillings, and orthodontics
  3. Vision care – Eye exams, prescription glasses, or contact lenses
  4. Paramedical services – Coverage for physiotherapy, chiropractic care, massage therapy, and mental health counselling
  5. Medical equipment – Expenses for crutches, wheelchairs, or hearing aids
  6. Emergency medical coverage – Costs for medical treatment during travel or outside your home province or country
What does health insurance cover?

How can I get healthcare as an international student in Canada?

You can access private health insurance benefits through various sources, such as your parents’ work or group plan, their individually purchased extended health plan, your student union’s group health plan, or a private plan you’ve purchased yourself.

These student health insurance plans typically cover medical expenses like dental and vision care, mental health support, paramedical services, etc. that are not included in provincial insurance, providing additional protection up to specific coverage limits.

Provincial health care international student

What to do if I’m not covered by my province’s health insurance plan?

If you are not eligible for healthcare under this plan, you need to look into private health insurance options to cover your healthcare needs. Your university may offer a student group health insurance plan and you should look into purchasing an emergency travel medical plan if you haven’t done so already. 

Student group health care plan

Your university or college would typically have a contract with a health insurance provider for group health insurance. The cost of participating in this program will be outlined in your student fees. If you are an international student, this program may be mandatory. 

Emergency travel medical plan 

Your student health plan may cover you during the semester, but it may have coverage restrictions if you travel outside of the province where your school is located or it may only cover you while classes are in session.

To make sure you’re fully protected as an international student, you should purchase emergency travel medical insurance for students. This insurance will pay for emergency medical care as well as prescriptions while you are away from your home country.

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Do students get free healthcare in Canada?

In Canada, healthcare access for students varies depending on the province and the student’s residency status. Canadian citizens and permanent residents who are students generally receive provincial health coverage at no extra cost. 

However, international students often do not automatically qualify for free healthcare. Some provinces, like British Columbia and Saskatchewan, allow international students to enroll in their public healthcare plans, but they may still need to pay monthly premiums or enroll in private insurance for additional coverage. 

Other provinces, like Ontario, typically require international students to purchase private health insurance or enroll in a health plan provided through their school.

Can international students get a health card in Canada?

Yes, international students with a valid study visa are typically eligible for a provincial health care card in Canada. This card grants access to the provincial health care system, which covers basic and preventive medical services, but not specialized health care expenses.

Does student health insurance cover mental health?

Yes, most student health insurance plans in Canada cover mental health services, though the extent of coverage varies by plan. Many include access to counseling, therapy, and mental health support programs either on-campus or through partnered providers. 

Coverage limits may apply, so students might need to pay a portion out-of-pocket or seek additional private insurance if they need extended care. Provincial health plans in some regions also cover basic mental health services for eligible students.

What can I do if I’m 25 and no longer covered under my parents?

Some health insurance plans allow you to stay on your parent’s plan even as an adult. Typically, you can remain covered until age 18 or 21, or up to age 25 if you’re a full-time student. However, eligibility may end if you get married. Once you’re no longer eligible for your parent’s coverage, you’ll need to set up your own health insurance.

For those with complex health needs, getting personal health insurance offers added protection. Fortunately, premiums for the student age group are generally affordable since young adults typically have fewer health expenses compared to older individuals.

Provincial health vs private health

Should I opt out of my student health plan?

Opting out of your student health plan depends on your existing coverage and health needs. If you’re already covered under a comprehensive private plan, such as your parents’ work or group insurance, you might consider opting out to save on fees. However, student health plans are often cost-effective and offer coverage for services like dental, vision, and paramedical care, which may not be included in other plans.

Before opting out, compare the benefits of your existing coverage with the student plan. If the student plan provides additional or complementary coverage, it might be worth keeping. Always evaluate your specific health needs and financial situation before making a decision.

You might opt out of your student health plan if:

  • You are fully covered under your parent’s plan
  • You are fully covered under a spouse’s plan 
  • You are fully covered under your own private health insurance plan

Keep in mind that some student group plans may have specified enrollment dates, usually in the fall or spring. In the case that you’re relying on your parent’s coverage and you turn 25 halfway through the school year, you might be without coverage until the following enrollment period.

When should I not opt out of your student health plan?

You should not opt out of your student health plan if you don’t have other health insurance coverage, have complex health needs that result in frequent medical expenses or prefer not to coordinate benefits with another plan.
While coordinating benefits can significantly reduce out-of-pocket costs, keeping your student health plan ensures you have comprehensive coverage tailored to your needs.

Am I covered if I go to school out of province?

If you are a Canadian and go to school outside of your home province, your provincial coverage will extend for the usual emergency services. However, you may have to pay upfront and submit the receipt later on to get your money back.

Additionally, each province has a standard of what they will reimburse for each emergency service. For example, one province may have a $75 fee for ambulatory services, whereas another charges $300. 

If you have extended medical insurance, each company has different rules about out-of-province services. Your health insurance provider may decide: 

  • You are NOT covered for any out-of-province medical procedures, services, or treatment. For example, your dental insurance wouldn’t be covered.
  • You are covered for but only up to the limit dictated in your home province. For example, BC has a standard dental cleaning price, whereas Alberta dentist’s prices vary. If you are from BC and get your teeth cleaned in Alberta, your dental coverage limit will be the limit set for BC, meaning you could have to pay for the difference.

It’s always best to check your extended health insurance policy documents to see exactly what it covers and where. If you are not sure how to access that information, reach out to your broker or one of our agents.

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What happens if I don’t have health insurance as a student?

If you don’t have health insurance as a student in Canada, you may face high out-of-pocket costs for medical care, as basic services like doctor visits, hospital stays, and emergency care can be expensive without coverage. 

Some provinces offer limited public health coverage for international students, but if you’re ineligible, private health insurance is essential. Additionally, many schools offer affordable student health plans that provide coverage for essential services, which can be especially helpful during unexpected medical needs.

How much does health insurance cost per month in Canada?

The cost of health insurance for students starts at $61 per month if you’re a healthy individual with no pre-existing conditions. However, if you’re unfortunately suffering from or diagnosed with an illness, you’d still be eligible for health insurance at slightly higher premiums.

For a student with pre-existing conditions, the cost of private health insurance starts at $99 and can extend to $300 per month or more depending on your specific plan details and coverage.

Learn more about the cost of health insurance in Canada
What affects the cost of health insurance?

How can I get private health insurance quotes for students in Canada?

To get private health insurance quotes for students in Canada, we recommend speaking with our experienced advisors to compare quotes from across 30+ top insurance providers.

With PolicyAdvisor, you also get free instant quotes, the lowest rates across the market, and lifetime after-sales support. Schedule a free consultation with one of our licensed advisors today!

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Frequently asked questions

Am I covered if I go to school out of province?

Your province may cover some out-of-province doctor visits and emergency medical care, but they do not usually cover things like ambulance services.

You may have to front some of the cost and you may be reimbursed by your provincial health care plan at a later date. Your private, extended, or group plan may not cover you outside of your home province. 

Am I covered if I go to school outside of Canada?

If you are travelling outside of the country, your provincial or private health insurance will not cover your medical expenses. You must purchase travel medical insurance. This might be included in extended health insurance automatically, but not always. If it does not come included in your existing health insurance policy, we can help you shop for the best emergency travel medical insurance on the market! 

How do I file a health insurance claim?

Some health insurance plans pay the service provider (doctor, pharmacist, physiotherapist, etc.) directly, while others pay you back later. Imagine you need medicine from the pharmacy. If your insurance covers it directly, the pharmacy sends the bill to them. You pay only a part of the cost.

But if they don’t cover it directly, you pay the full price and then send the receipt to your insurance company. They give you some money back for the medicine. If you have to file a claim, contact your insurance company’s claims submission page.

Can I get health insurance with pre-existing conditions?

Yes, you can get health insurance with pre-existing conditions, but coverage may vary. Some plans cover pre-existing conditions immediately, while others impose waiting periods or exclude them entirely.

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Vision Health Insurance in Canada: Key Coverage Details

Are you squinting while you read this? Maybe after a long day at your desk, you find you commonly have a headache. It may be time to invest in vision health insurance!

Optical health is important, but the cost to maintain eye health and prevent problems can be high. Health insurance plans usually cover the cost of vision care services, including glasses and contacts.

Read on to find out what’s covered in your vision plan, if you need to add more coverage for your needs, and where to find the best price for vision care insurance.

What is vision insurance?

Vision insurance is a way to protect your eyesight and help you maintain good eye health. It’s an insurance policy designed to cover the costs of vision care, such as annual eye exams, contact lenses, glasses, and even laser vision correction.

Generally, vision benefits are a part of your health insurance plan. Vision insurance plans vary by provider, so it’s important to research different plans and find one that works best for you and your family.

Eye care insurance coverages
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What does vision health insurance cover?

Generally, vision plans will provide coverage for routine eye exams as well as discounts on eyeglasses or contact lenses. Some providers also offer additional benefits such as discounts on laser vision correction procedures or coverage for certain medical conditions that may affect your eyesight.

Vision plans may include the  following eye care services:

  • Routine eye exams
  • Prescription eyeglasses
  • Prescription sunglasses
  • Contact lenses
  • Laser eye surgery
  • Visual aids

Exactly what is covered and how much will depend on the types of vision insurance available to you. Many companies have various plan options with ascending coverage amounts.

Is eye surgery covered under vision insurance?

Whether or not your eye surgery is covered by your vision insurance benefits depends on what the surgery is. If the surgery is deemed medically necessary, then provincial health insurance will cover the surgery.

If the surgery is for aesthetic purposes or if your vision can be corrected in other ways (prescription glasses, contacts, etc.) then the surgery won’t be covered by government health insurance. Your eye doctor or ophthalmologist will determine if surgery is medically necessary. 

Common eye surgeries include:

  • Lasik (vision correction surgery)
  • PRK (photorefractive keratectomy)
  • Cataract surgery
  • Glaucoma surgery
  • Diabetic retinopathy surgery
  • Macular degeneration surgery

In general, Lasik and PRK surgeries are not covered by provincial health, but surgeries for cataracts, glaucoma, or other eye diseases would be covered. Your private vision insurance coverage may cover laser eye surgery, depending on your plan.

Is eye care covered under health insurance?

Yes. Vision care is usually included in your health insurance benefits package. However, some basic packages may not include eye care or may just have minimal coverage for an eye exam and a single pair of glasses. 

The higher tier level of health insurance you have, the more coverage you get. For example, a basic package may only cover $200 for a pair of glasses, whereas an enhanced package may cover up to $500 for glasses or contacts. It all depends on your provider and plan level.

If you’re unsure of your coverage, you can contact your insurance company directly or you can speak to one of our expert insurance advisors. We can review your plan and make sure it fits your insurance needs. If it doesn’t, we can shop around and find the best rate on vision insurance for you.

Have vision coverage through your employer? 

Your employer may provide a basic vision plan in your employee benefits package. But, sometimes you’ll need more coverage than what they’re offering.

For example, if you have a family history of eye issues or every one of your dependents needs a new pair of eyeglasses every year, you may surpass the coverage in basic packages. In that case, we would recommend purchasing a private health insurance plan to cover those extra vision care expenses.

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Can you get stand-alone vision care insurance?

It’s not common to have a stand-alone vision plan. Most major insurance providers will have plans that start with basic health insurance and then have additional coverage for vision services to create comprehensive vision care benefits.

Each vision service plan varies from company to company. Most cover the same services, but the maximum coverage amount will vary.

How much does eye care insurance cost?

As mentioned, vision care insurance is usually included in health benefits, which usually cost between $50 and $300. Your monthly premiums for vision insurance options will depend on your personal health history and insurance needs.

Plan type Might have
Basic
  • $50 for eye exams every 2 years
  • $100 for glasses every 2 years
Standard
  • $80 for eye exams every 2 years
  • $150 for glasses or contacts every two years
Enhanced
  • $100 for eye exams every 2 years
  • $300 for glasses, contacts, or prescription sunglasses every two years
  • Laser eye surgery up to $500

Is vision care worth it?

Absolutely. Vision care is an essential coverage and an important part of taking care of your overall health—it’s why it’s included in most health and dental plans!

If you don’t have vision insurance, here are some out-of-pocket expenses you may face: 

  • Eye exam: $125
  • Glasses (including frames): $150 – $500+ depending on the type of lens
  • Contacts: $120 – $800 a year depending on the type 
  • Laser eye surgery: $500 – $300 depending on severity 

Especially if you have dependents that wear glasses, vision insurance is worth it—kids lose and break glasses all the time. Not to mention, your eyes can change every year due to factors such as:

  • Stress
  • Hormones
  • Aging
  • Hereditary or other health conditions

This may mean you need a new prescription and new glasses every year, which can add up if you’re covering the cost yourself. The cost of vision insurance through your health benefits becomes justified when your yearly premium is less than the cost of your eye exam and contact lenses.

Get a quote for the best eye care insurance

At PolicyAdvisor.com, we work with Canada’s best health plan providers to get you the best price for eye care coverage. Whether you have no coverage at all and are starting from scratch, or you’re looking to top up your existing plan, our licensed insurance advisors can find the perfect solution for you. 

Our licensed agents will ask you a few simple questions about your health history and insurance needs and shop the insurance market to find the best rate for you. Contact an advisor today for a quote!

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Frequently asked questions

How much do contacts cost?

The cost of contacts can range from $125 – $1,000 a year, depending on your lens type. Some contacts are daily wear, while others are for more long-term use (making them more expensive). Additionally, your prescription type can affect the cost of your contacts. If you have a particularly strong or complicated prescription, it costs more to make.

How much do glasses cost?

On average, the cost for a single pair of glasses runs about $300. The cost of corrective eyewear has two different components: the frame cost and the lens cost. Frames can be relatively cheap—sometimes as low as $20 if you buy them online. The cost of the lens is the most expensive aspect of glasses cost. Single vision is the least expensive lens type.

This means there is only one type of prescription in the lens. Single-vision lenses can cost $75 – $300. If your prescription calls for dual vision or progressive lenses (meaning two different types of prescription in each lens) it can be more costly. Dual-vision lenses can cost $250 – $700.

How much do glasses cost?

On average, the cost for a single pair of glasses runs about $300. The cost of corrective eyewear has two different components: the frame cost and the lens cost. Frames can be relatively cheap—sometimes as low as $20 if you buy them online. The cost of the lens is the most expensive aspect of glasses cost. Single vision is the least expensive lens type.

This means there is only one type of prescription in the lens. Single-vision lenses can cost $75 – $300. If your prescription calls for dual vision or progressive lenses (meaning two different types of prescription in each lens) it can be more costly. Dual-vision lenses can cost $250 – $700.

Does insurance cover blue light glasses?

If the blue light glasses are prescribed by your optometrist, they may be covered under your health insurance plan. Especially if you work at a computer all day, your eye doctor may prescribe this type of blue-light-blocking lens. However, if you want to buy them on your own accord, they may not be covered by your plan—they usually are not unless specified.

How much does it cost for an eye exam?

The average cost for an eye exam can range from $90-$160. The cost will depend on your province and the eye care professional you see. In some provinces (like Alberta and Ontario), if you are under 18 or over 65, you can get yearly comprehensive eye exams for free. If you are between 19 and 64, you can get coverage for eye examinations through your private health insurance.

Should I opt out of vision insurance?

It depends on your circumstances. If you have medical insurance elsewhere, like through your parent’s plan, you may consider opting out of vision care if it’s offered under your student plan. If you’ve already done eye exams in the past and know you have decent vision, you might also consider opting out.

However, there may come a day when you need to see an eye doctor and find yourself paying hundreds in out-of-pocket expenses. Just like all insurance, vision insurance is there for your immediate needs and your “just-in-case” needs as well.

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Dental Insurance in Canada: Coverage, Costs, and How to Choose the Best Plan

Got a toothache that won’t go away? Do you have dental insurance?

If not, you’re not alone. Many people neglect their dental health due to the high cost of dental care. However, dental insurance can help you maintain a healthy smile without breaking the bank.

If you’re looking for dental insurance, it’s important to understand what your options are and how to choose the best plan for your needs. With a little bit of research and some careful consideration, you can find a dental insurance plan that provides the coverage you need at a price you can afford. In this article, we’ll guide you through the process of getting dental insurance and help you make an informed decision.

What is dental insurance?

Dental insurance is a type of personal health insurance that helps you pay for the cost of dental care. Individuals pay a monthly premium to an insurance provider, who then covers some or all of the cost of dental procedures and treatments. 

While the specifics of dental insurance coverage can vary depending on the plan and provider, the overall goal is to help individuals access the dental care they need to maintain good oral health and prevent serious dental problems from developing.

What does dental insurance cover?
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Is dental insurance the same as health insurance?

Most health insurance plans offer some sort of dental insurance as a part of the benefits package—this is the most cost-effective way to get dental insurance (more on that below). However, it can be purchased separately as well.

What does dental insurance cover?

Dental insurance is an essential product for those who want to maintain good oral health and prevent any future dental problems. Services that are covered by dental insurance include preventative care, oral health issue treatments, and restorative services.

Dental insurance may cover: 

  • Preventative dental care
    • Teeth cleaning
    • Dental exams 
    • Cavity fillings 
  • Periodontal services
    • Scaling
    • Root planing
    • Root canals 
    • Gum grafting
    • Laser treatments
    • Dental implants
    • Tooth extractions
    • Gingivectomy or crown lengthening 
    • Pocket reductions
  • Oral surgeries* 
    • Apicoectomies (removing part of the jawbone)
    • Jaw realignment
    • Pulpectomies & pulpotomies
  • Orthodontics 
    • Braces 
    • Headgear
    • Removable appliances
    • Retainers

*Specialist fees may exceed standard dental coverage. Always check your policy documents for full coverage details.

Find out what personal health insurance covers in Canada

Is dental care free in Canada?

No, dental care is not free in Canada under the universal healthcare system. Most dental services, including check-ups, cleanings, and treatments, must be paid for privately or covered through private insurance plans.

Some provincial programs offer limited dental coverage for children, low-income families, and seniors. Employers often provide dental benefits through group insurance, and individuals can also purchase private plans to manage dental care costs.

Does dental insurance cover orthodontics and cosmetic dentistry?

Dental insurance typically covers orthodontics for medically necessary treatments, especially for children, but coverage for adults is often limited. 

Orthodontic benefits vary, with some plans offering partial coverage for braces or aligners, but cosmetic procedures like teeth whitening, veneers, and bonding are rarely covered, as they are considered elective. 

Higher-tier plans may include limited orthodontic benefits, but cosmetic dentistry usually requires out-of-pocket payment. Reviewing a policy’s details is essential to understand specific coverage limits for these services.

How much does dental insurance cost?

Usually, insurance companies package dental services into their overall health insurance plans. You can expect to pay anywhere from $80 – $200/month for health and dental insurance—but it really depends on your plan and your health.

Dental insurance coverage types and prices

Coverage features Basic health plan Standard health plan Enhanced health plan 
Dental care 70% of the first $575 (up to $400 every year) 80% of the first $400 and 50% of the next $860 (up to $750 every year) 100% of the first $500 and 60% of the next $700 (up to $920 every year)
Vision care $150 every 2 years $250 every 2 years $250 every 2 years
Prescription drugs 70% of the first $750 (up to $525 every year) 70% of the first $750 and 90% of the next $4,972 (up to $5,000 every year) 90% of the first $2,222 and 100% of the next $8,000 (up to $10,000 every year)
Travel insurance $5 million in emergency health coverage for the first 9 days of each trip $5 million in emergency health coverage for the first 9 days of each trip $5 million in emergency health coverage for the first 9 days of each trip
Price $97/month $111/month $171/month

Explore the average cost of personal health insurance in Canada
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Are braces free in Canada?

No, braces are not free in Canada. Orthodontic treatments like braces are not covered by the public healthcare system, as they are considered non-essential. The cost must be paid out-of-pocket or through private dental insurance, which may partially cover orthodontic expenses.

Some provincial programs offer limited assistance for children from low-income families. Employers often include orthodontic coverage in group benefits, but individual insurance plans can also help manage costs.

Can you get dental insurance without health insurance?

The simple answer is “yes.” If you are looking strictly for dental coverage to cover your oral health costs, some insurance companies provide “stand-alone dental plans.” Although, the plans are usually not truly stand-alone. Most come with some sort of basic health insurance that’s added on to the full dental coverage. 

We work with Canada’s top health and dental insurance providers. Here are some that have basic health care plans with dental insurance add-ons or extras.

1 Manulife CoverMe - DentalPlus Package

Coverage for basic services such as exams, polishing, and fillings plus basic medical, vision, and travel.

  • Essential coverage
  • Year 1 –  50% of first $1,150 (up to $575 every year)
  • Year 2+ –  80% of first $400 and 50% of next $860 (up to $750 every year)Comprehensive coverage
  • Year 1 – 70% of first $1,200 (up to $840 every year)
  • Year 2+ – 100% of first $500 and 60% of next $700 (up to $920 every year)

2 GMS

Basic Plan + dental option Coverage for basic services such as exams, polishing, and fillings; and major services such as crowns, bridges, and dentures. 6-month recall exams are also covered.

  • Year 1 – 75% coverage to a maximum of $500 for basic services
  • Year 2 – 80% coverage for basic services and 50% for major services, to a combined maximum of $750
  • Year 3 – 80% coverage for basic services and 50% for major services, to a combined maximum of $1,000
  • A 3-month waiting period may apply

3 Greenshield

May provide a personalized package with a dental focus. Speak to one of our advisors for more information about coverage and pricing.

How to get government dental insurance in Canada?

Canada has a universal dental care plan in place for eligible uninsured families with an annual income of less than $90,000 and with children under 12 years old. This plan was introduced in 2022 and provides annual payments of up to $650 per child for families.

Are dental emergencies covered by government health care?

This depends on what the emergency is. If the surgery is deemed medically necessary, then it may be covered by provincial health care or your medical coverage.

For example, if you’ve broken part of your jaw and it needs repair, it may be covered by universal health care. But if your emergency is for cosmetic reasons, like if you’ve knocked a tooth out and need it replaced, that won’t be covered.

What do I need to know before I buy dental insurance?

Before buying dental insurance, it’s important to know what your overall insurance needs are. As said above, dental insurance is usually included in health insurance packages, so it usually makes the most sense to buy the combo plan together. However, everyone’s insurance needs are unique. 

If you have existing coverage through your employer, you probably will not need separate dental coverage. However, your employer plan could only cover medical insurance without any dental coverage or your insurance need may surpass that of your employer’s plan. Like all insurance, the best plan is the one that fits your specific needs. 

Speak to one of our advisors today to find out the best plan for you and your family’s needs.

Protect your health today

Give us a call at 1-888-601-9980 or book some time with our licensed experts.

Frequently asked questions

Can you insure dentures or false teeth?

The cost of a dental appliance or prosthetic itself is usually covered under your dental insurance. However, if you have a particularly expensive set of dentures, false teeth, or other medical equipment, you may be able to cover that through your personal home insurance up to a specified limit.

For example, some home insurance providers have additional coverage for hearing aids, motorized mobility devices, and more.

How much does it cost to clean teeth?

The cost of teeth cleaning and scaling depends on your province. Some provinces have a “fair guideline” that dentists may have to adhere to for general dental services. For example, in Alberta, the guidelines state that polishing should be around $69, scaling should be $77, and a fluoride treatment should be $33, all of which are included in standard teeth cleaning.

Moreover, the approximate cost for just a cleaning may be around $180, depending on your province (not including the dentist consultation cost—just having the dentist examine your teeth will cost extra).

What is the most common type of dental insurance?

Many people have dental insurance provided through their employer benefits plan. For those that do not, they may opt for a basic plan as they are the least expensive.

Basic plans cover preventative care like teeth cleaning. Standard plans include orthodontics or restorative care like braces or teeth replacement.

What if I can’t afford dental insurance?

If you cannot afford dental insurance, you may be eligible for the Canada Dental Benefit. This is a taxpayer-funded program for families that earn less than $90,000/year and whose children are under 12.

Each province also may have dental care coverage available if you are a senior or are a family that needs income assistance.Visit the Government of Canada’s website or contact them to find out if you’re eligible.

Is there a waiting period for dental insurance?

Some plans may have a waiting period for dental insurance. This is usually the case with basic or low-cost plans. Having a waiting period with dental insurance means that you can’t claim anything once the policy comes into effect until the waiting period is over.

This is to prevent people from signing up for dental insurance when they already have pre-existing dental issues and then canceling the policy as soon as the treatment is done and paid for by insurance. Plans vary between 30-90 day waiting periods to no waiting at all.

What is a dental insurance predetermination?

An insurance predetermination is when your dental care provider requests a quote from your insurance provider to confirm which services and treatments will be covered by your plan. They will do this before the services are performed, to make sure that either the insurance fully covers it or that you can handle any remaining out-of-pocket expenses.

Do seniors get free dental coverage?

In some provinces, seniors with low or moderate incomes get financial assistance with basic dental care. However, that may not be the case in every province. By the end of 2023, the federal government is hoping to expand the Canada Dental Benefit to all individuals who are 18-years-old and under, seniors, and people living with disabilities.

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Best Health Insurance in Canada in November 2025

Choosing the best health insurance in Canada can feel overwhelming, but finding the right plan for you is essential.

Our expert reviews of top providers like Manulife, Blue Cross, and Sun Life help you compare health insurance plans, from affordable options to the best health and dental insurance Canada has to offer.

Designed for families, individuals, and newcomers, these plans ensure comprehensive coverage, including medical, dental, and vision care. So, get a health insurance quote today to find the perfect coverage for your health.

What is private health insurance?

Private health insurance in Canada works alongside the publicly funded healthcare system to provide additional coverage for services not covered by the government.

Coverage includes prescription medication, medical equipment, paramedical services, dental care, vision care, emergency medical travel insurance, and other medical expenses.

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Need insurance answers now?

Call 1-888-601-9980 to speak to our licensed advisors right away, or book some time with them below.

How much does health insurance cost per month in Canada?

For health insurance premiums in Canada without pre-existing conditions, a 35-year-old single male can expect to pay approximately $61.32 per month and a 28-year-old couple would see premiums starting at $110.38 per month. 

However, for a family of four (comprising a 45-year-old male, a 35-year-old female, and two children aged 10 and 5), the monthly premiums would be around $175.89. These premiums vary depending on the individual’s or family’s health insurance needs.

What are the best health insurance companies in Canada?

After reviewing Canada’s top health insurance companies, our team of experts has picked Blue Cross, Canada Life, and Manulife as having the best health coverage in Canada.

But, not every health insurance company is the same. Some have the best dental coverage, while others have top-rated coverage for vision care. Check out our list of the best health coverage in Canada.

Best companies for… 

  • Blue Cross: Best for prescription medication & dental coverage
  • Canada Life: Best for vision coverage
  • Desjardins: Best for bundling with other products
  • GMS: Best for multiple plan options
  • Greenshield: Best for paramedical (chiro, physio, massage, etc.) coverage
  • Manulife: Best for customization
  • Sun Life: Best for travel medical coverage
More choice. Lower price.
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Blue Cross Ontario Health Insurance Review

Canada’s best health insurance for:
Prescription drug coverage & dental care coverage

Blue Cross is a national brand originating in Manitoba in 1938, with many provincial franchises. Franchises include:

  • Alberta Blue Cross
  • Ontario Blue Cross
  • Quebec Blue Cross
  • Manitoba Blue Cross (Nunavut)
  • Medavie Blue Cross (New Brunswick, Nova Scotia, Prince Edward Island, Newfoundland and Labrador)
  • Pacific Blue Cross (BC and Yukon)
  • Saskatchewan Blue Cross

Like the sound of “unlimited” benefits? Blue Cross offers unmatched prescription and dental coverage without limits. They also have coverage that allows you to keep your insurability for life. Diagnosed with an illness later in life? No worries with Blue Cross Assured Access coverage—once you have it, you have insurability for life. 

PolicyAdvisor Rating

Entry, Essential, & Enhanced Plans

AM Best Rating A-

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Blue Cross Ontario Health Insurance Plan Details

Prescription medication
Basic – not included
Mid-tier – 70% $100 max co-pay, $1350 max out-of-pocket expense
Enhanced
– 80% $50 max co-pay, $900 max out-of-pocket expense

Paramedical Expenses
Basic –
60%, up to $250 per year per service
Mid-tier – 70%, up to $400 per year per service
Enhanced – 80%, up to $500 per year per service

Mental Health Services
Basic – 60%, up to $250 per year per service
Mid-tier – 70%, up to $400 per year per service
Enhanced – 80%, up to $500 per year per service

Dental
Basic – 60% preventative care, no major or orthodontic coverage
Mid-tier – 70% preventative care, no major or orthodontic coverage
Enhanced – 80% preventative care, 60% for major or orthodontic coverage*
*waiting periods apply

Vision
Basic – $100 every 2 years
Mid-tier – $150 every 2 years
Enhanced – $300 every 2 years

Travel
Basic – not included
Mid-tier – not included
Enhanced – 100% of expenses, 30 days

Blue Cross Ontario Health Insurance Pros:

  • Assured access coverage
  • Generational coverage
  • Unlimited drugs
  • Unlimited dental (excluding major)
  • Capped out-of-pocket expenses for prescription drugs
  • Highly customizable

Blue Cross Ontario Insurance Cons:

  • No replacement plan
  • No travel plans available for basic or mid-tier plans
  • Unlimited drug pricing is not as competitive
  • Major and orthodontic dental only available for enhanced plans
Read our detailed review of Blue Cross personal health insurance

What other insurance coverage does Blue Cross offer?

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Canada Life Health Insurance Review

Canada’s best health insurance for:
Vision care coverage

Canada Life, one of the country’s largest life insurers, is a subsidiary of Great-West Lifeco Inc. and a member of the Power Financial Corporation group of companies. With $396 billion in assets and a financial strength rating of A+ from A.M. Best, Canada Life is one of the most stable life insurers in the country.

Canada Life offers health insurance that speaks to the saying “you get what you pay for.” What we mean is, you’ll get good coverage, but it won’t be the cheapest policy on the market.

Canada Life offers great vision insurance coverage for those who need glasses or contacts—they’ll cover up to 100%! While the pricing is a bit on the expensive side, Canada Life makes up for this by providing comprehensive coverage for both prescription drugs and health practitioner services.

PolicyAdvisor Rating

Select, Select Plus, & Select Elite Plans

AM Best Rating A+

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Canada Life Health Insurance Plan Details

Prescription medication
Basic – 70%, up to $500 per year
Mid-tier – 80%, up to $10,000 per year
Enhanced – 90% for the first $10,000 per year, 100% for the next $240,000

Paramedical expenses
Basic –
100%, $30 per visit up to $300 per year per service
Mid-tier – 100%, $40 per visit, up to $400 per year per service
Enhanced- 100%, $50 per visit up to $500 per year per service

Mental health services
Basic – 100%, $30 per visit up to $300 per year per service
Mid-tier – 100%, $40 per visit, up to $400 per year per service
Enhanced- 100%, $50 per visit up to $500 per year per service

Dental
Basic – 70% up to $350 per year for preventative care, no coverage for major or orthodontic
Mid-tier – 80% up to $750 per year for preventative care, no coverage for major or orthodontic
Enhanced – 80% up to $1000 per year for preventative care, 50% for major dental up to $750 per year

Vision
Basic – 100%, up to $150 every 2 years
Mid-tier – 100%, up to $200 every 2 years
Enhanced – 100%, up to $250 every 2 years

Travel
Basic – not included (can add on)
Midtier – not included (can add on)
Enhanced – not included (can add on)

Canada Life Health Insurance Pros:

  • 100% vision coverage
  • Good prescription drug coverage
  • Good paramedical coverage
  • Replacement plans
  • Guaranteed plans for those with pre-existing conditions

Canada Life Health Insurance Cons:

  • Pricing not as competitive
  • Replacement plans are expensive
Read our detailed review of Canada Life's personal health insurance

What other insurance coverage does Canada Life offer?

Desjardins Health Insurance Review

Canada’s best health insurance for:
Bundling with other products

Desjardins is one of Canada’s largest financial institutions and is frequently ranked among the world’s 50 safest banks and financiers.

Love a good twofer? Desjardins is known for their great combo deals. Combine life insurance, disability insurance, critical illness insurance, and health insurance and you’ll get a financial security team that will fully protect your financial future—and for a few bucks less than if you bought them all separately. 

These plans are best for younger individuals—those in the sunset years need not apply (especially those looking for a retirement replacement health plan).

PolicyAdvisor Rating

SOLO Healthcare – Health Plus (basic & enhanced)

AM Best Rating N/A

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Desjardin Health Insurance Plan Details

Prescription medication
Basic – 70%, with max total $5,000 per year
Enhanced- 90%, with max total $10,000 per year

Paramedical Expenses
Basic –
Up to $400 per year per service
Enhanced- Up to $600 per year per service

Mental Health Services
Basic – Up to $80 per service with max total $400 per year
Enhanced- 80% per services, up to $500 per year

Dental
Basic – 50% care, 80% preventative, no orthodontic
Enhanced – 100% care, 100% preventative, 100% major care, 60% orthodontic  

Vision
Basic – $150 for glasses/contacts/surgery every 2 years, $50 per exam
Enhanced – $250 for glasses/contacts/surgery every 2 years, $70 per exam

Travel
Basic – $5 million, 90 days per year
Enhanced –$5 million, 90 days per year

Desjardins Health Insurance Pros:

Desjardins Health Insurance Cons:

  • Limited term options
  • Plans only cover to age 64
  • No replacement or guaranteed plans
Read our detailed review of Desjardins' personal health insurance

What other insurance coverage does Desjardins offer?

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GMS Health Insurance Review

Canada’s best health insurance for:
Multiple plan options

While their name is less known, here’s no denying that GMS offers great coverage for those looking to customize their plan. They also offer great coverage for those with pre-existing conditions—they’ll cover your medication prescribed for that condition, whereas other private plans may not at all. They also have a unique (to Canada) co-pay setup where you pay a set deductible rather than just the remaining percentage of the total cost of the bill.

If you’re someone who likes to plug and play with different package add-ons to meet your needs, GMS health insurance may have a plan for you.

PolicyAdvisor Rating

BASIC PLAN, EXTEND PLAN, OMNI PLAN

AM Best Rating N/A

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GMS Health Insurance Plan Details

Prescription medication
Basic – not included (can add on)
Mid-tier – not included (can add on)
Enhanced-not included (can add on)

Paramedical expenses
Basic –
70% ,up to $250 per year for all services
Mid-tier – 80%, up to $350 per year for all services
Enhanced- 90%, up to $300 per service

Mental health services
Basic – not included
Mid-tier – $65 per visit, max 10 visits per year
Enhanced- $65 per visit, max 15 visits per year

Dental
Basic – not included (can add on)
Mid-tier – not included (can add on)
Enhanced – not included (can add on)

Vision
Basic – not included (can add on)
Mid-tier – 80%, up to $250 per 2 years combined
Enhanced – 90%, up to $250 for frames/lenses every 2 years, 1 exam every 2 years

Travel
Basic – not included (can add on)
Midtier – not included (can add on)
Enhanced –not included (can add on)

GMS Health Insurance Pros:

  • Enhanced drug plan includes prescriptions for pre-existing conditions up to $800 a year  
  • Flat deducible (co-pay) rather than a percentage-based coverage ($6 co-pay vs. “70% of coverage listed”)
  • Customizable add-ons
  • Replacement plans available

GMS Health Insurance Cons:

  • Limited base plan options
Read our detailed review of GMS personal health insurance

What other insurance coverage does GMS offer?

Green Shield Health Insurance Review

Canada’s best health insurance plan for:
Paramedical coverage (chiro, physio, massage, etc.)

GreenShield (aka SureHealth) has the biggest market share in the health insurance industry—that means they’re the big dogs. They specialize in health and dental insurance (hence the huge market share), and you may know them if you’ve had an employer health insurance plan.

Greenshield offers multiple plan options so you can customize your health insurance to meet your needs. The biggest bonus is its high coverage limits for services like massage, chiropractic, physiotherapy, psychotherapy, etc.—all those necessary health maintenance services that are important to keep on top of. While not the most competitive in price, Greenshield may have an extended health plan to meet your unique health expense needs.

PolicyAdvisor Rating

SureHealth

AM Best Rating N/A

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GreenShield Health Insurance Plan Details

Prescription medication
Basic – not included
Mid-tier – 90% up to $5,000 per year
Enhanced – 90%, up to $20,00 per year

Paramedical expenses
Basic –
$20 per visit, up to $300 per year for all services
Mid-tier – $25 per visit, up to $500 per year for all services
Enhanced- $50 per visit, up to $2,000 per year for all services

Mental health services
Basic – $300 per year for all services
Mid-tier – $500 per year for all services
Enhanced- $750 per year for all services

Dental
Basic –  (most basic plan) – 50%, up to $500 per year (in the first year)
Mid-tier- (mid-tier plan) – 60%, up to $700 per year (in the first year)
Enhanced (most comprehensive plan) – 80% ,up to $1000 per year (in the first year)

Vision
Basic – (most basic plan) – $150 for glasses/contacts/surgery, $65 per eye exam (every two years)
Mid-tier – (mid-tier plan) – $150 for glasses/contacts/surgery, $100 per eye exam (every two years)
Enhanced – (most comprehensive plan) – $250 for glasses/contacts/surgery, $120 per eye exam (every two years)

Travel
Basic –$5 million, 15 days per trip
Midtier – $5 million, 30 days per trip
Enhanced – $5 million, 30 days per trip

GreenShield Health Insurance Pros:

  • Multiple plan options
  • Guaranteed options
  • Travel coverage: $5 million 
  • Higher limits for paramedical health services

GreenShield Health Insurance Cons:

  • Pricing is not as competitive 
  • Dental insurance is not automatically in basic plans
Read our detailed review of GreenShield personal health insurance

What type of health insurance does GreenShield offer?

  • Group health insurance
  • Guaranteed acceptance health insurance
Health insurance, simplified.

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Manulife Health Insurance Review

Canada’s best health insurance for:
Customization

Life changes and your needs change. That’s why it’s good to have options. Manulife offers many health insurance product lines to meet you where you’re at. Whether you’re a fitness-tracking maniac already, a new retiree looking for replacement coverage for your work policy, or just need to look after your teeth, they’ve got you covered.

Manulife is our top choice for health insurance providers simply because of the variety of products they sell—the price isn’t bad either! With all their options available, we’ll bet you can find a plan that best suits your needs!

PolicyAdvisor Rating

CoverMe & FollowMe

AM Best Rating A+

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Manulife Health Insurance Plan Details

Prescription medication
Basic – not included
Mid-tier – 90% up to $5,000 per year
Enhanced – 90%, up to $20,00 per year

Paramedical expenses
Basic –
$20 per visit, up to $300 per year for all services
Mid-tier – $25 per visit, up to $500 per year for all services
Enhanced- $50 per visit, up to $2,000 per year for all services

Mental health services
Basic – $300 per year for all services
Mid-tier – $500 per year for all services
Enhanced – $750 per year for all services

Dental
Basic  70% of first $575 (up to $400 every year)
Mid-tier – 80% of first $400 and 50% of next $860 (up to $750 every year)
Enhanced – 100% of first $500 and 60% of next $700 (up to $920 every year)

There are also options for DentalPlus and DrugPlus plans if you require more coverage than their combo plans offer.

Vision
Basic $150 every two years
Mid-tier –$250 every two years
Enhanced – $250 every two years

Travel
Basic –$5 million, 15 days per trip
Midtier – $5 million, 30 days per trip
Enhanced – $5 million, 30 days per trip

Manulife Health Insurance Pros:

  • Telehealth (virtual doctor) access 
  • Vitality program
  • FollowMe program has great replacement coverage
  • Comprehensive paramedical coverage
  • Option to choose dental only 
  • Combo plans available
  • Guaranteed plans available
  • Travel coverage: $5 million for first 9 days (additional days extra charge)

Manulife Health Insurance Cons:

  • Hospital benefits not included
  • Travel insurance has a $100 deductible 
  • It can be expensive due to the comprehensive coverage
Read our detailed review of Manulife's personal health insurance

Sun Life Financial Health Insurance Review

Canada’s best health insurance for:
Travel medical coverage

We love a good deal—don’t you? Sun Life provides a superior health insurance product at a very competitive price. If you’re a globetrotter, they even have travel insurance coverage for up to 60 days built into their standard and enhanced plans.

Sun Life might have the best plan for you if your needs are more than basic. More of a Plain Jane or have most of your coverage needs met elsewhere? The bare-bones Sun Life basic plan might be for you!

PolicyAdvisor Rating

Basic, Standard, Enhanced

AM Best Rating A+

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Sun Life Health Insurance Plan Details

Prescription medication
Basic – 60%, up to $750 per year
Mid-tier – 70% up to $7,000 per year
Enhanced – 80%, up to $5000 per year

Paramedical expenses
Basic –
60%, up to $25 per visit, $250 per practitioner per year
Mid-tier – 100%, no visit max, up to $300 per practitioner per year
Enhanced – 100%, no visit m ax, up to $400 per practitioner per year

Mental health services
Basic – 60%, up to $25 per visit, $250 per practitioner per year
Mid-tier – 100%, no visit max, up to $300 per practitioner per year
Enhanced – 100%, no visit m ax, up to $400 per practitioner per year

Dental
Basic – 60% preventative, no restorative coverage, no orthodontic coverage
Mid-tier – 70% preventative, no restorative coverage, no orthodontic coverage
Enhanced –  80% preventative, 50% restorative, 60% orthodontic coverage

Vision
Basic – no coverage
Mid-tier$150 for glasses/contacts/surgery, $50 per eye exam
Enhanced$200 for glasses/contacts/surgery, $50 per eye exam

Travel
Basic –$1 million, 60 days per trip
Mid-tier – $1 million, 60 days per trip
Enhanced –$1 million, 60 days per trip

Sun Life Health Insurance Pros:

  • Competitive price 
  • Extensive prescription coverage 
  • Travel coverage for up to 60 days (standard and enhanced)

Sun Life Health Insurance Cons:

  • Limited coverage for counselling services 
  • No travel insurance for basic plans (no option for add-ons)
  • No vision insurance for basic plans (no options for add-ons)
Read our detailed review of Sun Life's personal health insurance

Is it worth getting health insurance in Canada?

Yes, getting health insurance in Canada is worth it for many individuals and families. While provincial health plans cover essential medical services, they often exclude critical benefits like dental care, vision, prescription drugs, and mental health services. Private health insurance fills these gaps, providing more comprehensive coverage and financial security.

For those who aren’t eligible for provincial health insurance, such as tourists, newcomers, or individuals waiting for residency coverage, private health insurance is essential to avoid high out-of-pocket expenses for medical emergencies. It also offers peace of mind by ensuring access to a broader range of healthcare services tailored to your needs.

Are there any health insurance companies in Canada that specialize in coverage for pre-existing conditions?

Yes, several health insurance companies in Canada offer coverage for pre-existing conditions, often with specific criteria. Manulife’s CoverMe Guaranteed Issue Enhanced plan provides coverage for conditions like diabetes and asthma without requiring a medical exam, ensuring guaranteed acceptance.

Blue Cross offers coverage for pre-existing conditions that meet stability requirements, such as being stable for 90 days for younger applicants or 180 days for older ones, along with options for unlimited prescription and dental coverage.

GMS Health Insurance is another flexible provider, covering medications prescribed for pre-existing conditions if they meet stability criteria. Green Shield Canada (GSC) specializes in plans accommodating stable pre-existing conditions, particularly benefiting younger, healthier individuals.

How can I get private health insurance quotes in Canada?

To get private health insurance quotes in Canada, we recommend speaking with our experienced advisors to compare quotes from across 30+ top insurance providers. 

With PolicyAdvisor, you also get free instant quotes, the lowest rates across the market, and lifetime after-sales support. Schedule a free consultation with one of our licensed advisors today! 

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Frequently asked questions

What is the best health insurance provider in Canada in 2024?

The best health insurance provider depends on your specific needs, such as whether you require coverage for pre-existing conditions, prescription drugs, or dental care. Leading providers like Manulife, Blue Cross, Canada Life, Sun Life, and GMS offer comprehensive plans with customizable options to suit individual or family needs.

How do I choose the right health insurance plan in Canada?

To choose the right plan, consider factors like your medical needs, budget, and desired coverage (e.g., dental, vision, or prescription drugs). We recommend speaking with our advisors, comparing plans from top providers and checking for features like stability periods for pre-existing conditions, add-ons, and premium costs that can help you make an informed decision.

Are there affordable health insurance options in Canada?

Yes, affordable health insurance options are available, especially for those looking for basic coverage. Companies like GMS and Blue Cross offer budget-friendly plans, and some providers, like Green Shield, allow for add-ons so you only pay for what you need.

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What is the average cost of personal health insurance in Canada?

The average cost of personal health insurance in Canada varies based on age, family size, and coverage type. For individuals, premiums start as low as $61.32/month for a 25-year-old (e.g., Sun Life) and can range up to $348.40/month for a 75-year-old (e.g., Manulife). 

Families of four pay between $167.24 and $818.30/month and plans with pre-existing conditions typically begin at $99.10/month for a 25-year-old, and can go up to $304.34/month for older individuals aged 75 years.

While Canada’s public healthcare system covers many medical expenses, private health insurance is often necessary for services like dental, vision, and prescription drugs. In this article, we’ll explore what these costs are, what influences them, how these costs vary across provinces, and more.

How much does health insurance cost in Canada?

For health insurance premiums in Canada without pre-existing conditions, a 35-year-old single male can expect to pay approximately $61.32 per month and a 28-year-old couple would see premiums starting at $110.38 per month. 

However, for a family of four (comprising a 45-year-old male, 35-year-old female, and two children aged 10 and 5), the monthly premiums would be around $175.89. These premiums vary depending on the individual’s or family’s health insurance needs.

Cost of personal health insurance in Canada

Age Premiums (Without pre-existing conditions)
35 years, Single male $61.32 
28 years, Couple $110.38 
Family of four (45y, 35y, 10y, 5y) $175.89 

*Starting premiums are for base plans with the lowest coverages. Higher coverage will lead to higher costs. 

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How do pre-existing conditions affect the cost of health insurance in Canada?

Pre-existing conditions can significantly impact the cost and coverage options for private health insurance in Canada, often leading to higher premiums or limitations in coverage.

  • Higher premiums: Individuals with pre-existing conditions often face higher premiums as insurers consider them higher risk due to ongoing medical needs
  • Rated policies: Insurers may issue a “rated” policy, where the premium is increased to reflect the additional risk posed by the applicant’s medical history
  • Coverage limitations: Some policies may exclude treatments related to pre-existing conditions or impose waiting periods before coverage for these conditions takes effect
  • Disclosure requirements: When applying for private health insurance, applicants must fully disclose any pre-existing conditions. Failure to do so could result in policy denial or claim rejection
  • Types of coverage available: Canadians with pre-existing conditions can access guaranteed acceptance plans, comprehensive plans, or supplemental insurance, though these options may come with higher premiums or waiting periods

How can I get health insurance with pre-existing conditions?

Most insurers offer guaranteed or assured acceptance plans, and replacement plans for individuals with pre-existing conditions. Guaranteed health insurance plans provide coverage for individuals with pre-existing conditions, ensuring approval regardless of medical history. 

These plans do not require any medical underwriting, meaning you don’t need a health assessment to qualify. Coverage typically starts immediately or after a short waiting period, offering quick access to benefits. However, the premiums are higher to account for the increased risk of covering pre-existing conditions.

Replacement plans are designed for individuals transitioning between insurance policies, such as after losing group medical coverage or switching providers. These plans may cover pre-existing conditions if continuous coverage has been maintained, ensuring seamless protection. 

While they often come with higher premiums due to the inclusion of pre-existing conditions, replacement plans typically provide more comprehensive benefits than guaranteed plans, offering broader networks and additional services.

For individuals with pre-existing conditions, monthly premiums vary by age and gender. For instance, a 25-year-old male can expect costs ranging from $99.10 to $293.20, while a 55-year-old male may pay between $129.90 to $299.23. 

Cost of guaranteed health insurance plans 

Age Premiums (With pre-existing conditions)
25 years, male $99.10 to $293.20
35 years, female $99.10 to $293.20
55 years, male $129.90 to $299.23
75 years, female $115.30 to $304.34

*Average premiums for sample plans. Higher coverage will lead to higher costs. 

Learn more about what private health insurance covers
Cost of private health insurance with pre-existing conditions
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How much does private health insurance cost in Ontario?

The cost of private health insurance in Ontario varies based on the type and level of coverage. Basic plans start at approximately $100 per month, offering essential medical coverage with minimal extras. Comprehensive plans, which can range from $250 to $300 per month, provide broader benefits such as vision, dental, and prescription drug coverage. 

How much does health insurance in Alberta cost?

Personal health insurance in Alberta is generally more affordable compared to other provinces, with costs varying based on the level of coverage. Basic plans range from $50 to $180 per month, providing essential health services, while comprehensive plans can cost up to $234 per month

For example, a basic Sun Life plan for a 33-year-old may cost approximately $59.48 per month, whereas a more extensive plan could be priced around $145.54 per month, offering broader benefits.

What is the cost of health insurance in British Columbia?

In British Columbia (BC), private health insurance costs vary based on the plan’s scope and benefits. Basic coverage starts at approximately $70 per month, providing essential health services, while comprehensive plans covering drug, dental, and vision care, can go up to $200 per month.  

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What factors affect the cost of personal health insurance in Canada?

The cost of personal health insurance in Canada is influenced by several key factors: age, health status, coverage level, location, and the type of plan.

  1. Age: Younger individuals typically pay lower premiums due to lower health risks, while older adults face higher premiums due to the increased likelihood of medical needs
  2. Health status: Pre-existing medical conditions can result in higher premiums, or even exclusions from certain coverage, as insurers may consider you a higher risk
  3. Coverage level: Plans with more comprehensive coverage, such as dental, vision, and prescription drug benefits, are generally more expensive than basic plans that cover essential services
  4. Location: Insurance premiums can vary depending on where you live, with urban areas like Toronto and Vancouver often having higher premiums compared to smaller towns due to varying healthcare costs
  5. Type of plan: Individual health plans tend to be more expensive than group plans, as group plans are often subsidized by employers, offering more affordable rates but potentially with fewer options for customization

What factors should I compare when choosing health insurance quotes?

When comparing health insurance quotes, consider premiums, deductibles, coverage limits, provider networks, and customer service ratings.

Cost is a major factor, but there are other elements that you must consider when choosing a health insurance plan. For instance, the deductibles and co-pays associated with each plan can significantly impact overall costs, as can the coverage limits for services like dental or physiotherapy. Here are some key factors to review:

  • Premiums and deductibles: Premiums are the monthly payment you make, while deductibles are the out-of-pocket costs before coverage starts
  • Coverage limits and exclusions: Each plan will have limits on certain services; make sure to check if the services you need are adequately covered
  • Provider network and accessibility: Some insurers work with specific hospitals and clinics, so check if your preferred providers are within their network
  • Customer service and claims processing: Reviews can indicate an insurer’s reliability in handling claims and customer inquiries

Where can I find the cheapest health insurance quotes?

When looking for the cheapest health insurance in Canada, Sun Life offers the most affordable starting rate, beginning at $61.32 per month. On the higher end, GreenShield starts at $142.00 per month. Other options include Canada Life, with plans starting at $87.70, and Blue Cross at $92.60 per month. Manulife and GMS have starting costs of $99.80 and $103.25, respectively. Finally, Desjardins offers coverage starting at $123.64 per month. 

The cost of private health insurance in Canada can be managed by selecting basic plans that cover essential services, opting for higher deductibles, or finding plans that allow you to exclude non-essential services. 

Cheapest health insurance plans in Canada

Company Premiums
Sun Life $61.32
Canada Life $87.70
Blue Cross $92.60
Manulife $99.80
GMS $103.25
Desjardins $123.64
GreenShield $142.00

*Premiums for a base plan for a 25-year-old without pre-existing conditions in Ontario. Higher coverage will lead to higher costs. 

Is healthcare coverage different in each province?

Yes, healthcare coverage varies by province, as each province manages its own public health insurance, which affects private insurance needs. Canada’s healthcare system operates at the provincial level, meaning each province determines the coverage scope for its residents. 

For example, OHIP in Ontario provides limited mental health and dental services, while Alberta’s health insurance covers select emergency services but not out-of-province care. Consequently, private health insurance fills the gaps in coverage, and the need for it differs depending on provincial healthcare policies.

Learn more about what is covered under health insurance in Canada

How can I get private health insurance quotes in Canada?

To get private health insurance quotes in Canada, we recommend speaking with our experienced advisors to compare quotes from across 30+ top insurance providers. 

With PolicyAdvisor, you also get free instant quotes, lowest rates across the market, and lifetime after-sales support. Schedule a free consultation with one of our licensed advisors today! 

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Frequently Asked Questions

What is the most affordable personal health insurance in Canada?

Sun Life, Manulife, Canada Life, and Blue Cross Ontario, offer some of the most affordable personal health insurance plans in Canada. Basic plans typically start around $50 per month, though actual costs depend on factors like age, health needs, and location.

These basic plans usually cover essentials, such as prescription medications, paramedical services, and limited emergency care, making them a good option for those looking for cost-effective coverage. However, these lower-cost plans may not cover more extensive services like dental or vision, so it’s important to evaluate what’s included and consider potential out-of-pocket costs.

How do I know what health insurance plan is best for me?

To determine the best health insurance plan for you, start by assessing your individual needs. Consider your requirements for prescription drugs, dental care, vision care, and other services, as well as any pre-existing conditions or ongoing treatments.

After defining these needs, speak with our advisors and compare quotes from several providers and compare the coverage, premiums, deductibles, and limitations. 

Can I get private health insurance even if I have a pre-existing condition?

Yes, it’s possible to get private health insurance if you have a pre-existing condition, but there are important considerations. Insurers offer guaranteed acceptance plans and replacement plans but may place limitations on coverage related to the condition, or they may adjust the premiums accordingly.

Some insurers might offer plans that exclude coverage for pre-existing conditions altogether, while others may impose a waiting period before they cover treatments related to that condition. To avoid unexpected costs, it’s crucial to disclose any pre-existing conditions during the application process and understand how your plan handles these conditions.

Are dental and vision included in standard health insurance plans?

Dental and vision care are generally not included in standard health insurance plans; instead, they are typically offered as add-ons or in bundled packages. Many basic health insurance plans cover only medical essentials, such as prescription drugs and limited hospital care.

If you need dental or vision care, you can opt for an expanded plan that includes these services or purchase a separate policy specifically for dental or vision. Bundled health plans that include both dental and vision are available from many insurers and may offer cost savings compared to purchasing each type of coverage individually.

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What Is Private Medical Insurance in Canada? : A Comprehensive Guide

You’ve probably heard that Canada has a free national health insurance program. We do have many healthcare costs that are publicly funded by taxpayers. However, this “free” health care doesn’t cover everything you might require to fully recover from an injury or illness.

To cover those expenses, many Canadians use private health insurance. In this article, we go over the different types of health insurance available in Canada, how to apply for it, and how to choose the best provider for you.

What is private health insurance?

Private health insurance, also called personal health insurance, is an insurance plan that covers medical expenses that aren’t covered by provincial health plans, such as OHIP in Ontario. It helps to pay a portion of those additional costs so that you don’t have to.

You may also see private health insurance called:

  • Personal health insurance
  • Private medical insurance
  • Extended health insurance

Most Canadians get private health insurance either through their employer benefits, through a family member’s plan, or by buying it on their own.

Different health insurance providers have several tiers of coverage that you can use to supplement other plans and make your coverage as comprehensive as you need it to be.

Female insurance advisor in a virtual application appointment

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What does personal health insurance cover?

Private health insurance covers the medical expenses that government healthcare does not.

Extended health insurance can cover: 

  • Prescription drugs 
  • Dental care
  • Vision care 
  • Paramedical expenses (chiropractic services, physiotherapy, massage, therapy, mental health services, etc.) 
  • Medical equipment (blood sugar meters, crutches, CPAP machines, etc.) 
  • Emergency travel medical insurance
What does health insurance cover?
Explore personal health insurance coverage options in details

What you’re covered for and how much costs the insurance company will pay (coverage amount) depend on your provider and what tier of coverage you select.

Additionally, insurance companies have a price list of what they think is a “reasonable amount” for any service, equipment, or medication within your particular province. So, keep in mind that they may only cover costs based on that.

For example, under your prescription drug coverage, your plan may feel that name-brand medication like Ozempic is overpriced, and will only approve coverage for a generic alternative with the same ingredients.

Does personal health insurance cover dental care?

Yes, personal health insurance often covers a varying range of dental services. Most providers include preventative coverage for all of their dental plans — usually covering 60%-80% of costs for things like oral exams, cleanings, etc.

Enhanced or top-tier plans may also cover major dental work like root canals, crowns, or other orthodontic procedures.

Some providers may not automatically include dental care with their base plans, but instead may offer a dental care add-on for an additional fee.

Personal health insurance can cover dental services such as:

  • Teeth cleaning and scaling
  • Dentist’s diagnostics
  • X-rays
  • Whitening
  • Orthodontic services (braces, Invisalign, etc.)

Does private medical insurance cover vision care?

Yes, personal health insurance usually covers vision care. Most plans cover one visit to an optometrist every 24 months and some money for corrective lenses, frames, or contacts.

More comprehensive plans may include coverage for corrective eye surgery. And, like dental coverage, some providers may not automatically include vision care with their base plans, but may offer a vision coverage add-on for an additional fee.

Personal health insurance can cover eye care costs such as: 

  • Eye exams
  • Prescription eyeglasses
  • Prescription sunglasses 
  • Contacts 
  • Laser eye surgery

Does health insurance cover mental health services?

Yes, private health insurance usually includes some form of mental health services, although the extent of coverage can vary widely depending on the plan you choose.

You may be able to receive some mental health support by seeing a family doctor (which would be covered by provincial health care), but private health insurance can help you further on your mental health journey by providing additional support.

Personal health insurance can cover mental health resources such as:

  • Clinical counsellors
  • Therapists
  • Psychologists
  • Psychotherapists
  • Social Workers
  • Family therapy
  • Virtual mental health resources
  • Coverage for prescription medication and other mental health treatments
Find out if private health insurance covers mental health services in Canada

Can you purchase private health insurance in Canada?

Yes, you can purchase private health insurance in Canada. While the government provides universal healthcare covering essential medical services, private insurance covers services not included, such as dental care, vision, prescription medications, and specialized treatments.

It is especially useful for those seeking additional benefits, faster access to certain services, or coverage during waiting periods for public healthcare. You can get private health insurance through individual plans or as a benefit provided by your employer.

How much does private health insurance cost in Canada?

In general, you can expect to pay anywhere from $60 to $200 a month for private health insurance in Canada. The monthly cost of medical coverage depends on your health as well as the plan you select.

Your health insurance premiums are determined by details such as:

  • If you have any existing health conditions
  • Your age
  • Where you live
  • What tier of coverage you have
  • The waiting period (how long you have to wait before getting medical services)
  • Your deductible amount (how much you pay before insurance coverage kicks in)

If you are in poor health, it may be difficult to get standard health insurance coverage, but there are other options for you.

Some private health plan providers, like Manulife, GreenShield, Canada Life, and Blue Cross, offer something called a guaranteed acceptance healthcare coverage plan. This lets you get a plan without answering too many medical questions.

However, these plans are likely to be much more expensive and offer less coverage than standard plans. It’s best to speak with one of our licensed insurance agents and let us help you find the right coverage for your needs.

How much does health insurance cost?

What are the different private medical insurance plan tiers?

Supplemental health care is usually put into a tiered system, with each tier increasing its coverage at higher costs. The plans are usually separated into basic, standard, and enhanced tiers. Coverage tiers and costs for each of these tiers may look like the following:

Private medical insurance tiers

Plan Type Coverage Price
Basic health plan Prescription drugs – 60%, up to $750

Dental – 60%, up to $500

Vision – No coverage

Paramedical – $25 per visit, up to $250 ($35 for psychologist/social workers)

Travel – No coverage

$61/month
Standard health plan Prescription drugs – 70%, up to $7,000

Dental – 70%, up to $750 (preventative only)

Vision – $250 every 2 years, $50 per eye exam

Paramedical – 100%, up to $300 per practitioner (up to $1,000 for psychologists/social workers)

Travel – $5 million in emergency health coverage for the first 60 days

$106/month
Enhanced health plan Prescription drugs – 80%, up to $5,000

Dental – 80% for preventative care, up to $750; 50% for restorative care, up to $500; 60% for orthodontic, up to $1,500

Vision – $300 every 2 years, $50 per eye exam

Paramedical – 100%, up to $400 per practitioner (up to $1,500 for psychologists/social workers)

Travel – $5 million in emergency health coverage for the first 60 days

$166/month

*Quote for a 35-year-old person in Ontario with no pre-existing health conditions. 

Explore the difference between provincial and public health insurance in Canada!

Every tier of plan will also have:

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What are the types of private medical insurance available in Canada?

In general, there are 3 types of personal health insurance plan offered in Canada:

  1. Medically underwritten
  2. Guaranteed acceptance
  3. Replacement health insurance

These are different from the 3 tiers mentioned in this article. We’ll explain the different types.

1. Medically underwritten health insurance

Standard health insurance is medically underwritten. This means that during the application process, the insurance company will ask you about your health and lifestyle and use your answers to determine your eligibility and price for your insurance.

For this type of health insurance, insurers may exclude any pre-existing conditions. But you still have options for health insurance if you have a health issue.

2. Guaranteed acceptance health insurance

Guaranteed acceptance health insurance is usually a no-questions-asked kind of policy. There are no or very few medical questions or medical underwriting, and pre-existing conditions are generally covered.

Most companies will have the 3-tiered options basic, standard, and enhanced for medically underwritten policies, but just basic or standard options for guaranteed acceptance policies.

Key differences between standard vs guaranteed acceptance health plans

Medically-underwritten health insurance Guaranteed acceptance health insurance 
Has medical questions on the application No or few medical questions on the application
Price depends on your current health history Price is higher because there is no medical underwriting
Has 3 tiers of coverage: basic, standard, or enhanced Only has basic or standard coverage
Generally will not cover pre-existing conditions Generally will cover pre-existing conditions

3. Replacement health insurance plans

The third most common type of personal health insurance in Canada is a replacement plan that’s meant for people who already had coverage through a group plan, such as through their work.

If you’re leaving your job or retiring, you can get health insurance without having to pass the usual medical requirements. But you must make the switch within 60-90 days of your work benefits ending.

Replacement plans can be especially useful for people who may have medical issues and may not get the best rates from a regular medically underwritten health policy, such as senior individuals.

Author Photo
Private health insurance steps in where provincial coverage falls short. It’s essential for the health recovery and maintenance.
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Ryan Seeburger
Life Insurance Advisor, LLQP

What is the difference between public and private health insurance in Canada?

The main difference between public and private health insurance in Canada is what they cover — public health insurance generally handles the immediate, urgent care needs while private health insurance covers a portion of the costs related to recovery.

Public health insurance covers basic and emergency medical services such as hospitalization, surgeries, and doctor’s visits.

Private health insurance covers health care services and other medical expenses such as prescription medication, paramedical services (chiropractic services, physiotherapy, massage), and other medical equipment (CPAP machines, crutches, nebulizers, etc.).

For example, if you had a car crash:

  • Public health insurance will cover the ambulance services to get to the hospital and the cast for your broken leg.
  • Private health insurance will provide physiotherapy coverage so you can walk and run normally again.

Canadians may coordinate this coverage so that all of their medical expenses are paid for under either their universal health plan, provincial health plan, private health insurance, or travel medical coverage.

Provincial health vs private health

What does public healthcare plans in Canada include?

Universal health insurance

The “Medicare” system in Canada is a universal health system that is publicly funded through taxpayer dollars. It allows all Canadians to access essential medical care such as hospital visits and emergency surgery.

The federal government also provides some national-level health care such as the Universal Dental Benefit, which provides children from low-income families access to regular dental treatments.

Provincial health insurance

Our universal healthcare system here in Canada is provincially administered. Each provincial or territorial health insurance will have different rules to qualify for “free” universal healthcare.

In order to access public coverage with the provincial plan, some provinces require you to be a permanent resident for at least three months, while others will require longer.

What does private healthcare plans in Canada include?

Private health care insurance

Many Canadians buy additional health insurance coverage through their employers or purchase private health insurance policies to cover gaps in the public healthcare system.

Private plans can vary in coverage and cost, depending on the provider, the specific policy, and your own health history.

Travel health insurance

Emergency travel medical insurance covers unexpected medical events and treatment when you’re traveling. You can buy it when you’re traveling outside of Canada or if you’re a visitor to Canada.

This is a form of private insurance, and those who buy it have many options for travel insurance providers.

Is it worth getting health insurance in Canada?

Yes, private health insurance is worth it in Canada. It can help you get the medical care you need without paying extremely high costs.

Even if you have access to provincial health care, it will not cover all the medical costs required for you to recover from an injury or illness. It doesn’t always pay for preventative healthcare. An extended healthcare policy supplements your public coverage so you get the treatment you need to stay healthy in the long term.

Just imagine trying to pay this medical bill below after a car accident, without private health insurance to cover you.

Cost of a broken leg

How to choose a health insurance plan?

To choose the health insurance plan that works best for you, start by thinking about your insurance needs. Ask yourself:

  • Do I have health insurance coverage through my employer?
  • Do I have health insurance coverage through my spouse’s employer?
  • Do I have dependents who need more coverage?
  • How much can I afford to spend on health insurance each month? 

The answers to these questions will help you determine which plan is the best for you and your family.

Which health insurance tier should I choose?

Still having trouble figuring out which personal health insurance plan is best for you? Here is a list of plan types and the scenarios in which they might be right for your insurance needs. 

Take a look at these health insurance tiers to choose from:

  • Basic Health Plan

  • If you are on a tight budget
  • If you are using it to supplement other plans (employer or group plans)

  • Mid-Tier Health Plan

  • If you are looking for a primary plan with decent coverage
  • If you want it for combined coverage with other plans (employer or group plans)

  • Enhanced Health Plan

  • If you have no other health insurance through your work, through your spouse’s work, or other group benefits and you intend to use this as your primary plan
  • If you want it for combined benefits with other plans (employer or group plans)
  • If you are looking for your expenses to be 100% covered through the coordination of benefits
  • If you want to coordinate benefits with other plans because your family has high medical costs (i.e. lots of kids with braces, glasses, medications)

  • Guaranteed Acceptance Health Plan

  • If you have any pre-existing conditions or health issues
  • If you don’t want to go through medical questionnaires

  • Replacement Health Plan

  • If you are retiring and may have health issues that would prevent you from getting standard health insurance
  • If you’re leaving a job with regular benefits

Who are the leading Canadian private health insurance providers?

There is no single “best” health insurance provider because everyone’s coverage needs are different. Each provider has something different to offer.

At PolicyAdvisor, we work with exceptional health insurance providers that all have great coverage options, depending on what kind of coverage you’re looking for.

We offer health insurance from the following providers:

Additionally, we offer guaranteed acceptance plans through Edge Benefits.

Read our reviews of the Best Health Insurance Companies in Canada

Apply for private health insurance

If you’re looking for a great price on , PolicyAdvisor can help! We have a team of licensed insurance experts to help you go through health plans from Canada’s best insurance providers.

Book a quick call with one of our advisors today and let us help determine your health insurance needs.

Looking for affordable health insurance?

Give us a call at 1-888-601-9980 or book some time with our licensed experts.

Frequently Asked Questions

What if you’re leaving your job with benefits?

If you have a job with benefits and you’re leaving that job, your private health coverage will likely come to an end.

But you can get replacement or guaranteed acceptance health plans with most insurance providers when you leave. This means that when you transition to your new plan, you don’t have to go through any medical questionnaires — your new individual policy is guaranteed to be accepted.

However, you must apply for the new coverage within the first 60-90 days of your employer benefits ending.

Isn’t health insurance in Canada free?

Some parts of healthcare are free in Canada. With universal healthcare, you don’t have to pay for basic medical expenses like seeing a doctor, surgery, non-private hospitalizations, etc.

But it does not cover costs associated with recovery, such as prescription medication, paramedical expenses, vision care, dental care, or medical equipment that may be needed to recover from injury or illness. Private insurance can cover these expenses and more.

Is private health insurance tax deductible in Canada?

In some cases, private health insurance can be tax deductible. For example, if you are self-employed or a business owner, it may be written off as a business expense.

Individuals may be able to include premiums as part of their medical expenses when calculating tax credits as well.

What if I’m covered under my spouse’s plan?

If you have private medical coverage through your spouse, that’s great! We’re glad that you have some sort of health insurance coverage to keep your financial wellness in check while you rest and recover. However, employer benefits may not have the most comprehensive plan.

You may consider buying your own individual plan to supplement your spouse’s employer’s plan to fit all your family’s needs. You can use both plans to get close to 100% coverage for your medical costs by coordinating your benefits. 

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Manulife Health Insurance Review 2025

For Canadians seeking comprehensive and customizable health coverage, Manulife stands out as a prominent provider with a variety of options tailored to individual needs. In this review, we’ll take a closer look at Manulife’s personal health insurance offerings, exploring the key benefits, coverage levels, and how it compares to other options in the market. 

Whether you’re considering supplementary coverage for your family or filling gaps in your existing plan, this guide will help you assess if Manulife’s health insurance is the right fit for your needs.

What are the key features of health insurance from Manulife?

Manulife offers personal health and dental insurance plans to Canadian residents who already have provincial health coverage. Flexcare ComboPlus Starter, Guaranteed Issue Enhanced, and all of FollowMe plans cover pre-existing conditions for individuals with an existing medical illness. Moreover, Manulife also offers monthly and annual payment options for their personal health insurance plans.

Key features of Manulife health insurance policy

Category Details
Waiting period 90 to 180 days
Pre-existing illness coverage Covered in Flexcare ComboPlus Starter, Guaranteed Issue Enhanced and FollowMe plans
Monthly premium Yes
PolicyAdvisor rating 5/5

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What are the different Manulife health insurance plans I can choose from?

Manulife has three different types of health insurance plans Flexcare plan, Health and Dental Guaranteed Issue Enhanced plan, and FollowMe. Each of these plans has Basic/Starter tiers with limited coverage and Enhanced and Premiere tiers with higher coverage limits. Find out more about these plans:

  • Flexcare plan: Flexcare offers flexible health insurance for individuals looking for prescription drugs, dental care, vision care, and extended healthcare coverage. This plan is ideal for those seeking tailored benefits to suit their specific health and lifestyle requirements  
  • Guaranteed Issue plan: This plan ensures guaranteed acceptance without the need for a medical exam, making it a great option for those with pre-existing conditions or health concerns. The Guaranteed Issue plan provides coverage for essential services such as dental care, extended health benefits, and accidental death and dismemberment protection  
  • FollowMe plan: FollowMe is perfect for individuals transitioning from group health coverage, such as employees retiring or leaving their jobs. This plan ensures there’s no gap in coverage if you apply within 90 days of losing your group benefits. It offers comprehensive coverage for health and dental care, as well as optional add-ons like critical illness protection

What does Manulife’s health insurance cover? 

Manulife offers drug coverage, hospitalization, dental and vision care, mental health counselling, ambulance coverage, and more. Check out the coverage options in detail:

Manulife health and dental insurance coverage

Benefits Flexcare Guaranteed Issue Enhanced FollowMe
Drug coverage Covers 70% between $525 to $10,000 per person/year Covers up to $2,500 per person/year Covers between $500 to $2,600 per person/year
Dental Covers 70% of basic services up to $400 and emergency services up to $920 per person/year Covers basic services up to $750 per person/year, including exams, cleaning, fillings, and oral surgery No dental coverage in the basic FollowMe plans. The advanced plans have coverage ranging between $700 to $1,500 per person/year
Vision care Covers between $150 to $250 for vision care every 2 years Covers up to $200 for vision care every 2 years Covers $150 to $300 for vision care every 2 years
Health practitioners Covers up to $20/visit and up to 20 visits per practitioner/ year Covers up to $20/visit and up to 20 visits per practitioner/ year Covers up to $650 as a combined limit for all health practitioners/year
Hospitalization cost Available as an additional add-on benefit Covers up to $50/day up to a maximum of $1,000 every 2 years Covered in the Enhanced plans, including 100% for the first 100 days (up to $200 every day) and 60% for the next 90 days (up to $120 every day)
Medical equipment Covers up to an annual limit of $1,000 Covers up to an annual limit of $4,000 Covers up to an annual limit of $2,500
Hearing aid Covers 100% up to $400 every 4 years Covers 100% of $500 every 5 years, starting from year 2 Covers 100% up to $600 every 4 years
Ambulance services Unlimited coverage Unlimited coverage Unlimited coverage
Pre-existing conditions Not covered Covered, with limitations Covered, with limitations
Travel health benefits Available as an add-on. Covers the first 9 days up to $5 million per trip with a $100 deductible up to the age of 70 Covers the first 10 days up to $5 million per trip with a $100 deductible up to the age of 70 Available as an add-on. Covers the first 15-30 days up to $5 million per trip with a $100 deductible up to the age of 65

Learn more about the coverage options in personal health insurance

Does Manulife cover pre-existing conditions?

Yes, Manulife provides coverage for pre-existing conditions under specific plans, including Flexcare ComboPlus Starter, Guaranteed Issue Enhanced, and all four FollowMe plans. 

These plans are designed to accommodate individuals with pre-existing health conditions, ensuring they can access essential health benefits such as prescription drugs, dental care, and extended healthcare services. 

Manulife’s offerings make it easier for individuals with existing medical issues to secure comprehensive insurance coverage tailored to their needs.

What is Manulife Vitality?

Manulife Vitality is a wellness program designed to reward members for living a healthier lifestyle. By participating in various health and fitness activities, members can earn points that lead to discounts, rewards, and other benefits. 

Activities like completing a health assessment, exercising regularly, or getting preventative health check-ups contribute to your Vitality status, which can reduce premiums or provide perks such as gift cards or discounted fitness devices. 

This program integrates seamlessly with Manulife insurance products, encouraging proactive health management and offering tangible incentives for making positive lifestyle choices.

Does Manulife health insurance cover mental health services?

Yes, Manulife health insurance covers mental health services across all three of its plans: Flexcare, Guaranteed Issue, and FollowMe. These plans include coverage for mental health counseling, therapy sessions, or psychiatrist visits. However, the coverage amount and specific terms may vary depending on the plan you choose. 

For instance, the Flexcare plans offer limited mental health support, with set amounts per visit and a maximum number of visits per year. These limits may be higher in terms of Guaranteed Issue or FollowMe plans.

It’s essential to review the policy details to understand the limits and benefits associated with mental health support under your selected plan.

Does Manulife health insurance provide survivor benefits?

Yes, Manulife health insurance offers a survivor benefit as part of its commitment to supporting families during challenging times. In the event of the death of an insured adult, the plan ensures that surviving dependents continue to receive health coverage for up to one year without the need to pay premiums. 

This provision provides essential financial relief and peace of mind, ensuring that dependents can still access vital health services such as prescription drugs, dental care, or extended health benefits during a period of transition.

Learn about the differences between provincial healthcare and personal health insurance plans
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Are diabetic supplies covered under Manulife health and dental insurance? 

Yes, Manulife health and dental insurance covers certain diabetic supplies, such as test strips, lancets, and syringes. These supplies are essential for managing diabetes and are included in the plan’s coverage. 

However, glucometers, insulin pumps, and any related equipment, supplies, treatments, or procedures are not covered under Manulife’s health insurance plans.

Which plans cover the Manulife medical marijuana program?

The Manulife medical marijuana program is available under the Flexcare and Guaranteed Issue Enhanced plans as part of their drug benefits. These plans provide coverage for medical marijuana when prescribed by a licensed healthcare provider. 

However, it’s important to note that plan limitations apply, including limits on the amount of coverage and specific conditions that must be met.

How much does health insurance from Manulife cost? 

Manulife’s health and dental plans usually cost between $99 to $125 for people aged between 25 to 75 years. Premiums may vary based on the age and health status of an individual. Check out the premium amounts  for your needs:

Manulife health and dental plan cost

Age Without Pre-Existing Cost (Monthly)
25 years $99.80
35 years  $99.80
45 years  $122.10
55 years $129.90
75 years $125.80

*Premiums for a Flexcare base plan. Higher coverage will lead to higher premiums

Explore the health insurance options for seniors in Canada

What are the pros and cons of Manulife’s health insurance plans?

The pros of Manulife include the TELUS Health Virtual Care program, higher medical emergency coverage, and discounted rates for larger families. Manulife also provides access to Vitality, a pioneering healthcare and wellness platform for their client’s overall health benefits.

However, Manulife has certain limitations when it comes to pre-existing coverage. Also, the premiums may increase based on an individual’s age which can be a challenge for users.

Pros and cons of Manulife personal health insurance policy

Pros Cons
24/7 access to virtual healthcare through TELUS Health Virtual Care, allowing you to connect with healthcare professionals anywhere in the world Certain treatments may require pre-approval or have coverage caps
Offers up to $5,000,000 in emergency medical travel coverage Premiums may become expensive as an individual gets older
Manulife Vitality program allows individuals to participate in health activities, track progress, and save on premiums 
Offers special rates for families with three or more children
Additional coverage for those who are 65 years or older
$2,500 prescription drug coverage, even for pre-existing conditions under the Guaranteed Acceptance plan

Is Manulife personal health insurance a good investment?

Manulife personal health insurance can be a valuable investment, especially for Canadians seeking customizable, comprehensive coverage. With options like Flexcare Starter and Basic, and access to the Manulife Vitality wellness program, it provides essential healthcare benefits. 

However, its requirement on pre-approval for certain diseases and potential premium increases with age may require consideration.

Where can I find the best Manulife health insurance quotes in Canada?

If you’re considering Manulife’s personal health insurance policy, several factors must be considered. Finding the ideal combination of coverage and customizations to fit your specific needs—and your budget—can be challenging.

This is where PolicyAdvisor’s expertise is invaluable. Our advisors guide you through all available options and design a tailored benefits package based on your family’s needs and preferences.

We also help you secure the most affordable rates, ensuring you’re prepared to protect your loved ones in a medical emergency. Our after-sales support makes sure you have us any time you need help, even years after purchasing a policy. Start today to safeguard your family’s health and financial security with the best care available!

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Give us a call at 1-888-601-9980 or book some time with our licensed experts.

Frequently asked questions

Are there waiting periods for Manulife’s health insurance benefits?

Yes, Manulife’s health insurance plans may include waiting periods for certain benefits, such as dental and specific treatments. The length of these waiting periods varies depending on the plan and type of service. 

Is emergency travel insurance included in Manulife’s health plans?

No, emergency travel insurance is not automatically included in all of Manulife’s health insurance plans but is available as an optional add-on for certain policies.

This coverage provides financial protection for unexpected medical emergencies while traveling outside Canada. It’s ideal for those who travel frequently or want additional peace of mind. 

Are family plans available with Manulife health insurance?

Yes, Manulife offers special family plans with discounted rates for families with three or more children, making it affordable to cover larger households while providing comprehensive health and dental benefits.

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