Best Health and Dental Insurance in Canada

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  • Licensed Canadian advisors guiding you every step
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What is private health & dental insurance?

Private health and dental insurance covers the cost of medication and medical treatments that universal health care in Canada does not. While provincial or territorial health plans typically cover essential medical services such as doctor visits, hospital stays, and surgery, extended health insurance expands the scope of coverage to include services like preventative care, follow-up treatments, and more.

What does private health insurance cover?

Personal health insurance plans often include benefits such as:

  • Prescription Drugs
    Antibiotics, narcotics, creams, etc.
  • Paramedical Expenses
    Mental health services, physiotherapy, registered massage therapy (RMT), chiropractic, etc.
  • Medical Equipment
    Crutches, nebulizers, CPAP machines, etc.
  • Dental Treatment
    Teeth cleaning, braces, crowns, etc.
  • Vision Care
    Glasses, contact lenses, eye exams, laser eye surgery, etc.
  • Travel Medical
    Emergency medical expenses

Extended health insurance provides comprehensive coverage for prescription drugs, dental coverage, vision care, travel medical coverage, and more. Some private health insurance coverage may even include semi-private or private hospital rooms or access to virtual healthcare providers. These additional benefits can vary depending on the specific insurance plan and provider.

There can be annual maximums placed on each coverage type in the form of dollar amounts as well as percentages of the cost covered. For example, a plan might cover.

  • 80% cost of prescription cost up to $5000 per year
  • 80% cost of dental care for the first $500 then 50% for the next $500
  • $150/year cost of vision care (including eye exams)
  • $5 million in emergency health coverage for first 9 days of each trip.

Learn more about health insurance coverage

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