Best Health Insurance in Alberta

Get an affordable personal health insurance quote within minutes

Comprehensive private health insurance in Alberta

Although Albertans enjoy the benefit of emergency medical coverage under the Alberta Health Care Insurance Plan (AHCIP), there are still some gaps in coverage that can be a significant financial burden. 

This is where personal health and dental insurance in Alberta comes in. Many Albertans rely on personal health insurance plans to fill these coverage gaps adequately.

Why do I need health insurance in Alberta?

Personal health insurance in Alberta covers what AHCIP does not, including prescription drugs, dental and vision care, paramedical services, and more.

Preventative healthcare services can be a significant cost. Personal health insurance in Alberta ensures these services are covered and there is no financial burden on the residents. 

Health Insurance in Alberta

How much does private health and dental insurance cost in Alberta?

Affordable private health and dental insurance plans in Alberta start at approximately $61 per month for an individual, 
$110 for a couple, and $175 for a family of four. These costs may vary depending on coverage level, plan details,

Cost of private health insurance in Alberta
Age/Family type Approximate cost (Monthly)
35 years, Single Male $61.32
28 years, Couple $110.38
Family of four (45M, 35F, 10C, 5C) $175.89
25 years, Male (Pre-existing conditions) $99.10
35 years, Female (Pre-existing conditions) $99.10
55 years, Male (Pre-existing conditions) $129.90
75 years, Female (Pre-existing conditions) $115.30

I need insurance. Where do I start?

Our calculator gets you the right quotes and the lowest rates.

Types of health insurance coverage

Private health insurance in Alberta extends beyond basic coverage offered by AHCIP, providing options to address various healthcare needs such as prescription drugs, dental care, vision care, and healthcare practitioner services. Some plans also cover travel health insurance. Here are the key types of coverage available:  

Personal health insurance coverage in Alberta
Benefit Description
Prescription drugs Coverage for medications prescribed by your doctor, including life-saving drugs and treatments for chronic conditions
Dental care Plans may include regular cleanings, fillings, root canals, and orthodontics for adults and children
Vision care Coverage includes routine eye exams, glasses, and contact lenses
Specialist services Access to paramedical practitioners like physiotherapists, massage therapists, chiropractors, and more
Travel medical insurance Provides coverage for emergency medical care while travelling outside Alberta or abroad

Is health care free in Alberta?

Yes, health care in Alberta is partially free under the Alberta Health Care Insurance Plan (AHCIP), which covers essential medical services like doctor visits, hospital stays, and diagnostic tests. 

However, health benefits in Alberta do not include prescription drugs, dental care, vision care, paramedical services, or travel health coverage. Residents must pay for these services out-of-pocket or through private health insurance, making supplemental coverage essential for comprehensive care.

Is there a waiting period for AHCIP?

Yes, there is typically a 3-month waiting period for AHCIP coverage after you have established residency in Alberta. During this time, new residents should maintain health coverage from their previous province to ensure uninterrupted access to medical services.  

For individuals moving from outside Canada or returning Albertans, private health insurance is recommended to cover the interim period before AHCIP benefits take effect.

What is the cheapest personal health insurance in Alberta?

The cheapest personal health insurance in Alberta depends on your needs, such as coverage for prescriptions, dental, vision, and extended health care. Some budget-friendly options include Manulife, Sun Life, Blue Cross, and Green Shield.

  1. Sun Life: Offers basic plans with affordable monthly premiums for essential coverage.
  2. Manulife Flexcare: Features customizable options, allowing you to choose only what you need to keep costs low.
  3. Blue Cross Personal Health plans: Alberta Blue Cross provides economical plans tailored to individuals and families, with options for basic or enhanced coverage.
  4. Green Shield Canada: Known for cost-effective plans focusing on essential health services like dental and vision.

Is personal health insurance in Alberta worth it?

Yes, personal health insurance in Alberta can be worth it for many residents, as it helps cover services not included under the Alberta Health Care Insurance Plan (AHCIP). This includes prescription medications, dental and vision care, paramedical services, and travel health insurance. 

Some plans even cover critical illnesses and accidental death and dismemberment (AD&D) as an add-on benefit. Personal health insurance provides added security and peace of mind by reducing out-of-pocket costs for these essential services, especially for those with specific healthcare needs or families.

Can I get private health insurance with AHCIP?

Yes, you can have private health insurance in addition to the Alberta Health Care Insurance Plan (AHCIP). AHCIP covers essential health services like doctor visits and hospital stays, but it does not cover many other services, such as prescription medications, dental care, vision care, and paramedical treatments. 

Private health insurance can help fill these gaps, offering coverage for additional healthcare needs that AHCIP does not cover, providing more comprehensive protection and peace of mind.

Need insurance answers now?

Call 1-800-601-9980 to speak to licensed advisors right away, or book some time with them below.

Best health and dental insurance companies in Alberta

Choosing the best health insurance provider in Alberta depends on your individual healthcare needs. Different insurance companies specialize in various areas, ensuring you get the coverage that fits your priorities.

Private health insurance company ratings
Company Best for.. PolicyAdvisor rating
Manulife Customization ★
★
★
★
★
Canada Life Vision coverage ★
★
★
★
★
Blue Cross Prescription medication & dental coverage ★
★
★
★
½
Green Shield Paramedical coverage ★
★
★
★
½
Sun Life Travel medical coverage ★
★
★
★
½
GMS Multiple plan options ★
★
★
★
Desjardins Bundling with other products ★
★
★
½

Why PolicyAdvisor?

PolicyAdvisor makes finding life insurance simple. Compare quotes, get expert advice, and find the best policy for your needs-all in one place.

  • Save time: Get instant quotes from Alberta’s top life insurance companies
  • Save money: Compare multiple quotes to find the best price
  • Shop anywhere: Use our online tools to compare quotes from your phone or computer
  • Personalized service: Receive expert advice from a dedicated insurance advisor

Other insurance options

Disability insurance

Disability insurance replaces your income if you’re unable to work due to a disability. This coverage ensures that you can continue to meet your financial obligations, such as mortgage payments and daily living expenses, even if an illness or injury prevents you from working.

Group insurance

Group insurance covers medical expenses not included in Alberta’s provincial health plan, such as prescription drugs, dental care, vision care, and paramedical services like physiotherapy, massage therapy, and chiropractic care.

Critical illness insurance

Critical illness insurance provides a lump sum payout if you’re diagnosed with a covered critical illness, such as cancer, heart attack, or stroke. This payment can help cover medical bills, pay off debts, or make necessary lifestyle changes, such as modifying your home or taking time off work to focus on recovery.

Visitor insurance

Visitor insurance protects against unexpected costs, including medical emergencies, trip cancellations, lost luggage, and other unforeseen events while traveling. This coverage ensures you’re financially protected during your stay in Alberta.

Make better insurance decisions, online, in less time, for less money

Frequently asked questions

Can I switch my personal health insurance plan at any time in Alberta? Toggle
Yes, you can switch your personal health insurance plan at any time in Alberta. However, it's important to compare coverage options and ensure there are no gaps in your protection when transitioning between plans. Some insurers may also have waiting periods for specific benefits, so be sure to review your new plan's terms before making a change.
How do premiums for private health insurance in Alberta vary by age? Toggle
Premiums for personal health insurance in Alberta generally increase with age. Older individuals tend to pay higher premiums because they are at a higher risk for medical conditions. Insurance companies often consider age as a risk factor when determining the cost of coverage. While younger individuals will typically pay around $61, older individuals will have to pay $135 for the same coverage.
Is personal health insurance in Alberta available for people with pre-existing conditions? Toggle
Yes, personal health insurance in Alberta is available for people with pre-existing conditions, but coverage may be limited or come with higher premiums. Companies like Manulife, Sun Life, Blue Cross, Canada Life, etc typically offer pre-existing condition coverage under their guaranteed acceptance plans. Most health insurance companies can have specific waiting periods for different health conditions. It’s important to fully disclose your medical history when applying to ensure you receive accurate coverage options.