Comprehensive health coverage beyond your provincial plan
Canada's provincial health plans cover basic medical services like doctor visits and hospital stays — but they don't cover everything. Prescription drugs, dental care, vision care, and paramedical services are largely your responsibility. Private Health Insurance fills these gaps and gives you and your family complete protection.
At Ourinsurenase, we help you find the right health insurance plan from Canada's top providers. Whether you're self-employed, retired, between jobs, or looking for coverage beyond your employer's group plan, we have a solution for you.
Our health insurance plans provide comprehensive coverage for services not covered by provincial health plans:
Coverage for prescription medications, including recurring and one-time prescriptions.
Routine cleanings, fillings, extractions, root canals, and major dental work.
Eye exams, prescription glasses, contact lenses, and laser eye surgery.
Semi-private or private hospital rooms and upgraded hospital services.
Physiotherapy, chiropractic, massage therapy, acupuncture, and naturopathy.
Wheelchairs, walkers, hearing aids, prosthetics, and medical supplies.
Psychologist, counsellor, and therapy sessions coverage.
Emergency ground and air ambulance services.
Orthopedic shoes, custom orthotics, and braces.
Travel vaccines and preventive vaccinations not covered publicly.
In-home nursing care and personal support services.
Emergency medical coverage while traveling outside your home province.
We offer several types of health insurance to meet your specific needs:
Many Canadians believe their provincial health plan covers everything. It doesn't. Here's what's typically NOT covered:
Without private health insurance, these costs come directly from your pocket — and they add up fast.
Choose the plan that fits your needs and budget
Never worry about the cost of prescription medications again.
Routine and major dental work covered — keep your smile healthy.
Eye exams, glasses, and contacts covered regularly.
Access physio, chiro, massage, and other paramedical services.
Your coverage stays with you — even if you change jobs.
Self-employed? Health insurance premiums may be tax-deductible.
No employer benefits? Get your own comprehensive health coverage.
Losing group benefits at retirement? Replace them with individual coverage.
Between jobs? Don't go without coverage — protect yourself in the gap.
Kids need dental, vision, and prescriptions. Protect the whole family.
Offer group health benefits to attract and retain employees.
Group plan not enough? Add supplemental coverage for gaps.
Provincial health plans (like MSP in BC or OHIP in Ontario) cover basic medical services like doctor visits and hospital stays. Private health insurance covers what provincial plans don't — prescription drugs, dental, vision, paramedical services, private hospital rooms, and more. Think of private insurance as filling the gaps in your provincial coverage.
Yes, many health insurance plans accept pre-existing conditions. Some plans have a waiting period (e.g., 6 months) before covering pre-existing conditions, while others may exclude specific conditions. We also offer guaranteed-acceptance plans with no medical questions. Contact us to discuss your specific situation.
The cost depends on your age, location, plan type, coverage level, and number of dependents. Individual plans typically start from $40–$80 per month, while family plans range from $100–$250 per month. Premium plans with full coverage cost more. Contact us for a free personalized quote.
Yes! If you're self-employed, you may be able to deduct health insurance premiums as a business expense on your taxes. This can significantly reduce the effective cost of your coverage. We recommend consulting with your accountant or tax advisor for specific guidance.
Absolutely. We offer flexible plans that let you choose the coverage you need. You can add or remove coverage for dental, vision, drugs, paramedical services, and more. Our advisors will help you build a plan that fits your needs and budget.
Health Insurance covers ongoing medical expenses like drugs, dental, and paramedical services. Critical Illness Insurance pays a one-time lump sum if you're diagnosed with a specific illness like cancer or heart attack. They complement each other — Health Insurance covers day-to-day medical costs, while Critical Illness covers major life events.
Yes! Individual health insurance is portable — it stays with you regardless of your employment status. Unlike group plans that end when you leave a job, your individual coverage continues as long as you pay your premiums.
Yes, most of our health insurance plans include dental coverage. Basic plans cover routine cleanings, exams, and fillings. Comprehensive plans also cover major dental work like root canals, crowns, and dentures. You can also purchase standalone dental insurance if that's your primary need.
Get a free health insurance quote today. Don't pay out-of-pocket for drugs, dental, and vision.
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