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Compare Group Insurance Quotes from Canada's Top Insurers
Health, dental, vision and employee benefits plans for businesses of every size. Get expert advice and personalized quotes in minutes.
How group health benefits work
Group insurance, also known as employee benefits, is employer-sponsored coverage that gives your team access to dental, vision, prescription drugs, paramedical care, and more, beyond what provincial health plans cover. You choose a plan, your employees enroll, and premiums are typically shared between the business and staff through payroll.
Around 99% of Canadian employers now offer supplementary health coverage to salaried employees. A strong benefits package helps you attract and retain talent, and the premiums are a tax-deductible business expense. That’s where PolicyAdvisor comes in: our licensed advisors assess your needs, compare plans from Canada’s top providers, and handle setup, at no cost to you.
Types of group benefits plans
From fully-insured coverage to flexible spending accounts, there’s a group insurance structure to fit every small business.
Traditional group plans
Comprehensive, fully-insured coverage: extended health, dental, vision, disability, and life insurance in one package.
Health Spending Accounts (HSA)
An employer-funded account that reimburses staff for eligible health and dental expenses up to a set annual limit, offering maximum flexibility.
Hybrid plans
A customizable mix of traditional insurance and an HSA, balancing the stability of core coverage with the flexibility of a spending account.
What's covered in a group benefits plan
See exactly what each tier includes, side by side, so you can match coverage to your team’s needs.
| Coverage | Basic | StandardMost popular | Enhanced |
|---|---|---|---|
| Drug maximum | $5,000/person | $10,000/person | Unlimited/person |
| Paramedical services | $300/practitioner | $500/practitioner | $1,000/practitioner |
| Vision care | – | $150/personper 24 months | $300/personper 24 months |
| Dental (Basic & Major) | $700 combined | $1,000 combined | $1,500 combined |
| Dental coinsurance | 50% | 50% | 80% |
| Recall exam | 1 every 9 months | 1 every 6 months | 1 every 6 months |
| Pooled benefits (Life) | $25,000 | $50,000 | $75,000 |
| Health Spending Account (HSA) | As requested | As requested | As requested |
| Travel insurance | Yes | Yes | Yes |
$5,000/person
$300/practitioner
–
$700 combined
50%
1 every 9 months
$25,000
As requested
Yes
Most popular
$10,000/person
$500/practitioner
$150/person (24 mo)
$1,000 combined
50%
1 every 6 months
$50,000
As requested
Yes
Unlimited/person
$1,000/practitioner
$300/person (24 mo)
$1,500 combined
80%
1 every 6 months
$75,000
As requested
Yes
Get your personalized quote in minutes.
Compare tailored employee benefits and group insurance plans, and find the right coverage for your team, with expert advice from PolicyAdvisor at no cost.
Top group insurance companies in Canada
We compare plans from Canada’s leading group benefits providers to find the right fit and the best price for your business.
Strong digital enrolment and plan management, plus Lumino Health virtual care for employees.
Highly customizable solutions, from expat coverage to savings plans, from an established national insurer.
AI-assisted underwriting, an innovative mobile app, and rate guarantees of up to 28 months.
Among the highest paramedical benefits, plus wellness platforms and drug-cost savings.
Group plans for as few as 2 employees, with tiered Bronze-to-Platinum options.
A Mental Health Navigator portal and fast 24-hour e-claims processing.
How much do group benefits cost? (2026)
Small business group insurance plans are often offered in packages that are priced differently, with some covering more employee benefits than others.
| Total Lives: 20 | Monthly premium per group member | ||
|---|---|---|---|
| Basic | Standard | Enhanced | |
| Health | |||
| Employees – single | $50 | $70 | $92 |
| Employees – couple | $98 | $130 | $180 |
| Employees – family | $110 | $170 | $195 |
| Dental | |||
| Employees – single | $30 | $60 | $81 |
| Employees – couple | $100 | $128 | $140 |
| Employees – family | $170 | $200 | $250 |
| Pooled Benefits | |||
| Life insurance & AD&D | $12 ($25,000) | $18 ($50,000) | $26 ($75,000) |
| Critical illness | Not selected | Not selected | Not selected |
| Long-term disability | Not selected | Not selected | Not selected |
| Total monthly premium (20 employees) | $3,000 | $4,100 | $5,500 |
| Cost per employee | $150/mo | $205/mo | $275/mo |
Get your personalized quote in minutes.
Compare tailored employee benefits and group insurance plans, and find the right coverage for your team, with expert advice from PolicyAdvisor at no cost.
- Health, dental & vision
- Compare top providers
- Plans for any team size
Why set up your group benefits through PolicyAdvisor?
- Top travel insurers in one place
Compare Sun Life, Canada Life, Manulife, Desjardins and more so you get the right plan at the best price. - A plan built around your business
Our advisors help you choose the right mix of health, dental, disability, and life coverage for your team and budget. - Set up without the hassle
From quote to enrolment, we handle the paperwork and make implementation simple, even for first-time plans. - Ongoing support at renewal
We review your plan each year and help with claims and changes, so your coverage keeps working as you grow.
Frequently Asked Questions
What are group health benefits?
Group health benefits are employer-sponsored insurance that gives your employees coverage for things provincial health plans don’t fully cover, like prescription drugs, dental, vision, paramedical care, disability, and life insurance. The business sponsors the plan and premiums are usually shared between the employer and employees.
How many employees do I need to offer a group plan?
You can start a group plan with as few as 2 employees. Some insurers (like Equitable Life) specialize in small-business plans, while larger teams unlock more plan options and often better per-employee pricing.
How much do group benefits cost?
It depends on your team’s size, ages, location, and the coverage you choose. As a guide, small-business plans average about 5%–15% of annual payroll, and core health & dental coverage can start around $35 per employee per month. The best way to know is to get a quote.
Are group benefit premiums tax-deductible?
Generally, the premiums a business pays for group benefits are a tax-deductible business expense, and many benefits are received tax-free by employees. Tax treatment varies by benefit and province, so confirm specifics with your accountant.
Can I keep my current insurer and just compare options?
Yes. If you already have a plan, an advisor can review it against the market to see whether you can improve coverage or lower cost, and only switch if it makes sense for you. There’s no cost to compare.
How does PolicyAdvisor help?
Our licensed advisors assess your business needs, compare plans from Canada’s top providers (Sun Life, Canada Life, Manulife, Desjardins and more), and handle the setup, at no cost to you.
