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Provincial healthcare plans do not cover a variety of frequently requested medical services. It’s up to you to safeguard yourself with prescription drugs and dental coverage!

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4.8 Stars
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Our Reviews

Excellent4.8 Based on 400 reviews from ★★★★★ Excellent service from Ummi.Chris PaveleyChris Paveley ★★★★★ Sahar provided a detail of my coverage was very courteous allowed me to review! After a couple weeks later we reconnected to secure!Great experience!Dave FabelloDave Fabello ★★★★★ Thank you Sehar Bajwa, prompt helpful and professional.hayam rozikhayam rozik ★★★★★ I got my out of country medical insurance assisted by Sahar. It was a pleasure workingwith her and will be contacting her for any future trips. Thank you Sahar.Janet FountainJanet Fountain ★★★★★ Attended by Artmize, good customer service, puntual and very professional. Will continue making bussiness with her.Edgar MontanoEdgar Montano ★★★★★ Sehar Bajwa was great and very knowledgeable. Sehar has been more than helpful over the last few years with my travel insurance needs. Thank you again Sehar.Kevin RodgerKevin Rodger ★★★★★ Sehar was super to deal with! she called with clarifications and any questions. Very happy with our travel insurance purchase. Hoping if we need to use it will be clear and easy too. Thank you Sehar we appreciate youDeb KnightDeb Knight ★★★★★ Sehar Bajwa gave us a lot of attention over 2 days with a details sent by email and over the phone. We obtained exactly what we wanted for medical insurance for the trip. Thank you Sehar!!Mary Lou and Fred CrossanMary CrossanMary Crossan ★★★★★ I’ve dealt with Sehar for the last few years and she is knowledgeable and helpful when purchasing our insurance for our stay in Florida for the winter I highly recommend herRachel BlouinRachel Blouin ★★★★★ Sehar was wonderful to deal with while buying medical insurance for our winter in Arizona. We had been having trouble securing insurance for my husband because of some health issues and she found a company very quickly that would cover him. Of course we always hope not to have to use our insurance but if we do I hope it goes as smoothly as when we purchased. Thank you Sehar!Faye Libler (MacGIRLver)Faye Libler (MacGIRLver) ★★★★★ Sehar Bajwa always followed up and double checking all prices and providers for the best insurance to fit our needs. Very patient and thorough, highly recommend her expertiseLindaLinda ★★★★★ Quick, reasonable and the broker, Sehar Bajwa was helpful, knowledgeable and kind.Thank you Sehar!Cindy MathisonCindy Mathison ★★★★★ Sehar was a great help in sorting out my travel insurance, even while I was on the road, follow up was easy.Emergency medical and Trip insurance, got a great rate, tks again Sehar!Donna KarjalainenDonna Karjalainen ★★★★★ Service was excellent. Assisted in every way possible to clarify my needs.John FantinJohn Fantin ★★★★★ I and my wife got travel insurance with help of insurance agent Sehar Bajwa. Tanks a lot for Sehar Bajwa for very professional and competent job.Mikhael ChernitskyMikhael Chernitsky ★★★★★ Thanks Sehar for your knowledge and patience while I decided which package to take!! Well done!Bandna SawhneyBandna Sawhney ★★★★★ I had a great experience with Sehar when purchasing my travel insurance.Joy McDonellJoy McDonell ★★★★★ Thank you Ummi, Alliance Income for her wonderful service, she was helping me with travelling insurance with professional manners, giving me options and advices that I felt very comfortable and confidence. The process was smooth and efficient, right after the phone call process, the policy was immediately delivered to my e-mail. I would recommend Alliance Income and agent Ummi. Thanks.Katiana LoKatiana Lo ★★★★★ Spoke with Artmiz. Very knowledgeable and very professional. Answered all my questions.Would highly recommend her to family and friends...actually, I already did and my friend was very pleased with the service she receivedPam SinghPam Singh ★★★★★ My dealings with both Adam and Theresa were handled in a professional prompt manner giving me confidence in Alliance. I hope never to have the need to use my coverage, but I would hope that the experience would be as good.Eklove ShatnerEklove Shatner ★★★★★ Ummi was most helpful and informativewhen I purchased Trip Cancellation andInterruption coverage on September 19!Stephen J. RushfordStephen J. Rushford ★★★★★ Amazing service! Nice to talk with a real person and not just online. Great at changing my insurance with no issues.Joanne HuntJoanne Hunt ★★★★★ Artmiz was capable, responsive and punctual. A good experience!Geoff StilesGeoff Stiles ★★★★★ Once again Ummi has provided an economical rate and stress free service for my snowbird health insurance. Strongly recommend for price and revive many thanksElizabeth BastableElizabeth Bastable ★★★★★ Theresa helped me get medical insurance for my upcoming trips. She explained everything in detail making it an easy for me to make the decision!christine Foxchristine Fox ★★★★★ Theresa Hauser provided excellent service - clear information and great support regarding travel insurance- both cancellation and interruption.Don WagnerDon Wagner ★★★★★ Theresa was very helpful & answered all my questions. Very efficient & I received all the documents & information within minutes. Thank you TheresaIrene HartlIrene Hartl ★★★★★ Quick and efficient process and very good, pleasant exchange with agent Theresa HeuserRandy KlattRandy Klatt ★★★★★ Theresa is very helpful and efficient. I get all my insurance needs done seamlessly by this company.Maria Cecilia Danganan-LandichoMaria Cecilia Danganan-Landicho ★★★★★ Artmiz Namazi was a very nice person to deal with. She went far and beyond to help me to have the best deal. She understood my problem and made sure I knew it was solved. I will greatly recommend her to anyone searching for emergency travel insurance.Catherine PoplawskiCatherine Poplawski ★★★★★ Theresa Heuser helped me with buying travel insurance today. She was amazing!! The process was fast and painless. I always find buying our travel insurance to be one of the most stressful things in getting ready to travel. Thank you Theresa for making it so easy for me.Pat and Art ThorrougoodPat and Art Thorrougood ★★★★★ Theresa was prompt at replying, answering all my questions and very friendly and pleasant to deal with. She is an asset to your company.Yvonne FjaagesundYvonne Fjaagesund ★★★★★ Great experience. Theresa Heuser And Sabrina Izdiher helped me with everything. Very helpful and awesome customer serviceGurasisGurasis ★★★★★ Great professional quick service!Colleen Van HornColleen Van Horn ★★★★★ It was good, customer service and the client dealing is best and also they get you good deals.Ahtsham SaifAhtsham Saif ★★★★★ Theresa was very clear and helpful with our travel insurance questions.Gabriella KleinGabriella Klein ★★★★★ Theresa was very helpful and professional in all our dealings! Would recommend her highly.Joyce SchaafJoyce Schaaf ★★★★☆ Theresa was very efficient, friendly and patient.Sandra PerrinSandra Perrin ★★★★★ Artmiz Namazi was an excellent person to deal with. She was very knowledgable and gave me excellent advice. Her quick response to my inquiries on line and over the phone were great. She was extremely helpful and friendly and gave 5 star service.The price for the insurance I needed was also excellent. Thanks ArtmizFran SmythFran Smyth ★★★★★ Excellent product at a cheaper price than other providers.Dale CrawfordDale Crawford ★★★★★ Brilliant and professional support given by Artmiz. Very happy with our Travel Insurance Policy. Thank youSabir ParvaizSabir Parvaiz ★★★★★ I am So glad and happy to have the agent name Ummi to assisted me purchase our travel insurance, very pleasant and helpful. Introduced her to my friends, they were happy with the service too. Thanks Ummi. For sure will looking for you at next travel time.Van TranVan Tran ★★★★★ Great people & service.Dave GobellDave Gobell ★★★★★ Great job, knowledgeable, very patient and tried her best to help me. Thanks Ummi for excellent customer serviceRazijaRazijajs_loader

As a Canadian, why do I need Health Insurance?

While provincial health plans cover most of the healthcare costs in Canada, there are gaps for which the private sector is responsible for. Over the last decade, the government paid for about 70% of the total healthcare expenditure, while the other 30% was covered by private insurers or by citizens paying out-of-pocket.

The gaps include prescription drugs, dental care, vision care, chiropractors, hospital rooms and ambulance services. Depending on the province, gaps may differ, but a significant healthcare cost is still passed on to Canadians. 

Private Health Insurance can help you alleviate that burden if you require healthcare services not covered by your public health plan. If you have a health condition or your employer does not offer health benefits, getting a private Health Insurance could be a greatly beneficial financial decision.

How do I qualify for Health Insurance?

In most cases, you will need to already have a provincial health plan and be no older than 74. Some insurers also require a medical exam depending on your medical history.

 

If you have a pre-existing condition, you may apply for No Medical Health Insurance policy that does not require a medical exam. Such policies have guaranteed acceptance, but your premiums will be higher.

What will my private Health Insurance cover?

Whatever service your provincial health care plan does not cover, is likely to be covered by your private Health Insurance. Covered services include:

 

  • Prescription medication
  • Emergency medical service during international travel
  • Physiotherapy/massage therapy
  • Dental care
  • Vision care
  • Hearing aids
  • Hospital stays and ambulance services
  • Medical equipment (mobility devices, CPAP machines, and others)
How much will my Health Insurance cost?

Health Insurance premiums vary depending on a person’s age, medical history, chosen level of coverage, and location. The reason costs differ between provinces is because their public health plans have different levels of coverage, therefore different gaps must be filled by private Health Insurance. Being a smoker will raise your premiums as well.

 

Of course, prices will also vary depending on the provider. This is why it is important to compare all options available to you. We can help you get the best rate and coverage for your situation.

Why do I need Dental Insurance?

Public health plans do not cover dental care. You might think it’s no biggie until you’re faced with a bill in the thousands from your dentist. Even if you are unlikely to need root canals or dental surgeries, Dental Insurance will help you save on your regular visits to the dentist.

What will my Dental Insurance cover?

Most commonly, Dental Insurance policies cover preventative oral care. Your coverage is likely to include:

 

  • Dental check-ups & exams
  • Cleanings
  • Fillings
  • Wisdom teeth extractions
  • Scalings
  • X-rays

If you require coverage for more advanced procedures, such as surgery or implants, we can help you select the right plan for you. Most Dental Insurance policies will pay for up to 80% of your dental care costs, while your co-pay will be 20%.

How much will my Dental Insurance cost?

Similarly to Health Insurance, your premium will mostly depend on your age, dental and medical history, and smoking and drinking habits. Your location will also be a factor as each province has a separate dental fee guide which insurers take into account.

Types of Health Insurance in Canada

Health & Dental Insurance offers quite a bit of flexibility to make sure you are only filling the gaps in your provincial plan and employer coverage. You may purchase health or dental insurance separately or look for a plan that combines both. Depending on your plan, you will have a different level of coverage for specific services. Our agents can help you select the right plan with the right amount of coverage for your needs.

Dental Insurance

Dental Insurance usually provides coverage up to 80% for your preventative dental care needs. You can purchase plans that also provide orthodontic and major restorative services, but they will be priced higher, and your co-pay may be greater.

Health Insurance

Health Insurance provides coverage for prescription medication as well other services not covered by your provincial plan. Such services may include vision care, hearing aids, physiotherapy, psychologists, and so on.

Health & Dental Insurance

Health & Dental Insurance covers both your dental needs and additional health care needs not covered by your provincial plan. There are a lot of plans on the market with differing levels of coverage, but we can help you find the one that fits your situation best.

How to Save Money on Health Insurance?

The best way to save money on insurance is to shop around and compare rates from different providers. This can be an exhaustive and time-consuming process. Thankfully, Policy Rates takes care of it for you! When you request a quote through our website, we check what rates you can get from every major Canadian insurer.

Policy Rates provides you with the lowest rates for the level of coverage that you desire from top insurance companies.

How to save money image of Policy Rates

When Is Your Birthday?

Your age bracket significantly impacts your premiums. Avoid higher rates by purchasing a policy before your next birthday.

Get Tax Deductions

Tax deduction rules for Health & Dental Insurance can be confusing. Consult with a tax professional to find out if you can claim Medical Expense Tax Credit on your tax returns.

Are You a Smoker?

Smokers can pay up to 100% more for the same level of coverage. Consider quitting for a considerable reduction in your premium payments.

Covered by Your Spouse’s Plan?

If you and your spouse have double coverage through your employers, it might make sense to waive one of the policies. Carefully examine your coverages and opt-out of the least comprehensive or financially ineffective plan.

When Is Your Birthday?

Your age bracket significantly impacts your premiums. Avoid higher rates by purchasing a policy before your next birthday.

Get Tax Deductions

Tax deduction rules for Health & Dental Insurance can be confusing. Consult with a tax professional to find out if you can claim Medical Expense Tax Credit on your tax returns.

Covered by Your Spouse’s Plan?

If you and your spouse have double coverage through your employers, it might make sense to waive one of the policies. Carefully examine your coverages and opt-out of the least comprehensive or financially ineffective plan.

Are You a Smoker?

Smokers can pay up to 100% more for the same level of coverage. Consider quitting for a considerable reduction in your premium payments.

Health & Dental Insurance Quote Form

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4.8 Stars
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