Prescription Drugs
Helps cover the cost of eligible prescription medications not covered by provincial drug plans.
Personal Health & Dental Insurance: Cover Everyday Medical Expenses
Bridge the Gaps in Provincial Health Coverage for Comprehensive Well-being
What is Personal Health & Dental Insurance?
While Canadians benefit from provincial health plans, many routine and preventative healthcare expenses are not covered. Personal Health and Dental Insurance helps you manage these out-of-pocket costs, providing financial support for a wide range of services designed to keep you and your family healthy.
Who Needs Personal Health & Dental Insurance?
- Self-Employed Individuals & Freelancers: Who don't have access to employer-sponsored group benefits.
- Small Business Owners: To provide coverage for themselves and potentially their employees if a group plan isn't feasible.
- Contract Workers & Part-Time Employees: Who may not qualify for group benefits.
- Retirees: Who have lost their employer benefits upon retirement and want to maintain coverage.
- Recent Graduates: Who are no longer covered under their parents' plans.
- Anyone Wanting More Comprehensive Coverage: To supplement basic provincial plans and manage health expenses effectively.
Common Coverage Options in Health & Dental Plans:
Plans are often customizable, allowing you to choose the level of coverage that best suits your needs and budget. Common benefits include:
Dental Care
Coverage for routine check-ups, cleanings, fillings, as well as major dental work like crowns, bridges, and orthodontics (depending on the plan).
Vision Care
Helps pay for eye exams, prescription eyeglasses, contact lenses, and sometimes laser eye surgery.
Extended Health Care / Paramedical Services
Coverage for services like massage therapy, physiotherapy, chiropractic care, naturopathy, psychology, speech therapy, and more.
Medical Equipment & Supplies
Assistance with costs for items like hearing aids, diabetic supplies, mobility aids (wheelchairs, walkers), and other durable medical equipment.
Hospital Accommodation
Coverage for semi-private or private hospital rooms if your provincial plan only covers a standard ward.
Emergency Travel Medical
Provides emergency medical coverage when travelling outside your home province or Canada (can supplement standalone travel insurance).
Mental Health Support
Increasingly, plans offer coverage for psychologists, social workers, and other mental health practitioners.
Hearing Aids
Assistance with the significant cost of hearing aids and related services.
Coverage levels, maximums, co-payments, and deductibles vary by plan and insurer. We'll help you navigate these options.
Benefits of Having Personal Health & Dental Insurance:
- Manage Unexpected Costs: Protects your budget from sudden, large medical or dental bills.
- Access Preventative Care: Encourages regular dental check-ups and other preventative services, which can lead to better long-term health.
- Peace of Mind: Knowing you have coverage for a wide range of health needs reduces worry.
- Tax Advantages for Business Owners: Premiums may be a tax-deductible business expense for self-employed individuals and business owners (consult a tax advisor).
- Customizable Plans: Choose a plan that fits your specific needs and budget.
Health & Dental Insurance Quote Inquiry
Please provide the following details so we can research the best plan options for you. All fields are required unless marked optional.
Our Trusted Providers for Health & Dental Plans
We work with leading Canadian insurance providers such as Manulife, Industrial Alliance (IA), Equitable Life, Canada Protection Plan (CPP), and others to offer you a variety of Health & Dental insurance plans.
Invest in Your Health and Well-being
Don't let out-of-pocket expenses prevent you from accessing the healthcare you need. Explore your Personal Health & Dental Insurance options with us.
Contact Us for Consultation