Best Health Insurance in Alberta
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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.
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,
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 |
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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:
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.
- Sun Life: Offers basic plans with affordable monthly premiums for essential coverage.
- Manulife Flexcare: Features customizable options, allowing you to choose only what you need to keep costs low.
- Blue Cross Personal Health plans: Alberta Blue Cross provides economical plans tailored to individuals and families, with options for basic or enhanced coverage.
- 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.
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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.
Company | Best for.. | PolicyAdvisor rating |
---|---|---|
Manulife | Customization | |
Canada Life | Vision coverage | |
Blue Cross | Prescription medication & dental coverage | |
Green Shield | Paramedical coverage | |
Sun Life | Travel medical coverage | |
GMS | Multiple plan options | |
Desjardins | Bundling with other products |
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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.