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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

Our Reviews

Excellent4.8 Based on 340 reviews from ★★★★☆ Thank you Theresa and Adam for your help with our travel insurance plans, for your timely assistance and the savings you were able to find for us.Yogashiatsuyucatan DonypaolaYogashiatsuyucatan Donypaola ★★★★★ Artmiz Namazi provided excellent service. She was very professional and took the time to explain the insurance coverage and answer all my questions. She is a great asset to your company and I will not hesitate to recommend her to my friends and familyChris DingsdaleChris Dingsdale ★★★★★ Artmiz was very helpful, friendly and informative. She really knows her subject and was ready to help in any way.Carolyn CassellsCarolyn Cassells ★★★★★ Theresa Heuser is professional and competent in the insurance process. A pleasure!Ronald BironRonald Biron ★★★★★ What a pleasure dealing with Ummi, who took all the pain out of purchasing Travel Insurance for my wife and I, who are both 80 year old Seniors. Sensitive and yet enquiring, Ummi guided us through the minefield of questions with the competant ease of an expert. Ummi was responsive to any unintended omissions and made sure there were no loose ends that could disqualify any future claim. We go on Holiday knowing that we have been professionally prepared with cover for Medical emergencies, if they should arise.John DawkinsJohn Dawkins ★★★★★ great service by the phone and email.h mh m ★★★★★ We bought Emergency Medical policy for our coming trip from Ummi Hanny. She was such a good help and responsive to all our questions, either by phone or emails. Such an excellent service, above and beyond our expectations!! Thank you!Jacob SteinbergJacob Steinberg ★★★★★ We booked travel insurance with Ummi Hanny for a river cruise we are taking this summer. She was very professional, responded quickly and efficiently to emails, calls and questions. Would definitely recommend her and Alliance/Allianz.Kathy CastleKathy Castle ★★★★★ It was a pleasure to deal with Artmiz. Very polite and Patient. Nice to deal with someone who knows and enjoys their job.Tom BrailsfordTom Brailsford ★★★★★ I just finished getting a tailored insurance package with the help of Ummi. I really appreciated the attention to detail and how knowlegable she was on the various packages. Ummi was able to get us an annual package for me and my wife that focused on our need for Trip Cancellation/Inturruption and also a single trip comprehensive package for our 3 grandchildren that will be traveling with us on our next trip. It was a pleasent experience. Ummi detailed the options and made recommendation that ensured we had the coverage we needed at the best possible price. This was all done over the phone and email and we received the comple package immediately after the purchase in our email. Thanks UmmiJeff LangJeff Lang ★★★★★ We were helped by Ummi Hanny she is very professional and helpful.Thanks for your understanding,Heinz KriegerHeinz Krieger ★★★★★ Ummi was our Insurance agent helping with getting medical and cancelation policy -she was very professional and knowledgeable and was able to get us a very reasonable insurance rates.Milos RudolfMilos Rudolf ★★★★★ Eric provided policy information, confirmed my personal details to ensure the policy would be correct, processed my payment quickly.Tracy HastingsTracy Hastings ★★★★★ I dealt with Ummi Hanny, oh my she was wonderful! She even laughed at my jokes. What a great first experience.Lise BeaulneLise Beaulne ★★★★★ Ummi. was very helpful and pleasant. Billwilliam rockwilliam rock ★★★★★ Our purchase of Allianz Emergency Medical Insurance through Alliance Income Services Corp was a breeze. Ummi and Mariam was a pleasure to work with. They were both very patient, knowledgeable, and efficient in presenting the various options available to us. Mariam did a lot of leg work comparing several insurance companies just to find a plan that suit our needs. Ummi then completed the processing of the policy effortlessly and made the process seamless. I would highly recommend anyone who needs an insurance coverage to speak to especially this two ladies.Danny ChinDanny Chin ★★★★★ My agent Artmiz was very helpful and provided me with a quote quickly. When I was ready to accept the quote she responded quickly and sent me all the necessary documents just as efficiently. Happy with my interactions.Stephanie RumbleStephanie Rumble ★★★★★ Eric and Bob were both extremely helpful and attentive to my needs.Paul CodyPaul Cody ★★★★★ Teresa was great. Addressed all my concerns.Robert CarterRobert Carter ★★★★★ The service given by Ummi Hanny was excellent- very pleasant, courteous and professional.Simin MeshginnafasSimin Meshginnafas ★★★★★ I had a top notch experience with this insurance broker. Eric Clementi was the person that helped me from the day that I asked for a quote online. He was very thorough with explaining every minor details that might be misunderstood between the client and the provider. Eric is very professional with his tone of voice which makes a potential client feel at ease. Nonetheless, I’ve tried different insurance broker, their monthly fees are way above the average, Alliance income Services Corp has the most decent fee for a family of five… it’s a bang for the buck kind of thing. Truly recommend this company. 👍Mark EngelMark Engel ★★★★★ Eric Clemente and Ryan were excellent to deal with. Both were very helpful , to the point , and curious .Michael BoudreauMichael Boudreau ★★★★★ Excellent service by Eric Clementi and Ryanmargaret burnsmargaret burns ★★★★★ Eric and Adam were very helpful with my travel medical insurance. Now I realize if I have to use this coverage that I will be in great hands.Bonnie SmithBonnie Smith ★★★★★ Hello...Eric was very easy to work with ....very polite....and set up my insurrance policy very quickly....thank you again Eric....Marsha Risser.Marsha RisserMarsha Risser ★★★★★ I ordered insurance for my husband and myself. It was a very easy process and was helped greatly by Eric and Dylan. Both were very diligent with helping me through it all. Very easy and quick.Marilee Van BuskirkMarilee Van Buskirk ★★★★★ It was a pleasure speaking with Eric Clementi. He was polite, understanding and considerate.Mohinder BangaMohinder Banga ★★★★★ I was quite happy to get excellent & friendly customer services from Artmiz - very helpful & knowledgeable!Bruce YeeBruce Yee ★★★★★ Great service from knowledgeable and very helpful people. Thank you Eric Clementi and Ezarie!Beverley HowickBeverley Howick ★★★★★ Eric Clementi is the manYunus PatelYunus Patel ★★★★★ I had to sign up for my own health and dental insurance. The staff at this company were quick to get back to me and provide suggestions on insurance plans. The sign up process was very easy to do over the phone. I communicated with Eric Clementi who was very professional and efficient.Muhammad KoyaMuhammad Koya ★★★★★ It was pleasure working with Mariam and Eric. We are seniors and trying to get a reasonable price for travel insurance.Fay BellefontaineFay Bellefontaine ★★★★★ I sent an email yesterday. They called today. Marion and Eric were excellent. Highly recommend this company. Rates are excellent tooAnnette ChisholmAnnette Chisholm ★★★★★ Eric was fantastic. Quick , easy and affordable.Tracey PeerTracey Peer ★★★★★ Eric was very professional and found the best plan for me at this time.Trev HutchinsTrev Hutchins ★★★★★ Eric Clementi was an absolute pleasure to work with. Very professional and courteous.Berit LysBerit Lys ★★★★★ Artmiz, must be the best Agent I have ever dealt with. She is articulate and has a wonderful sense of humour apart from an intimate knowledge of her products. She demonstrates a quick grasp of what people actually need (or don't need) and points quickly to available options. She is actually the only Insurance Agent I feel like calling back again. Great work Artmiz !!Malcolm KhanMalcolm Khan ★★★★☆ Artmiz was very helpful and polite.We would certainly consider using Allianz againVictor LeblancVictor Leblanc ★★★★★ Artmiz Namazi is one of the most pleasant people I have ever dealt with. She was polite, personable, and helpful on the telephone. She promptly replied to both phone calls and emails. It was a pleasure to deal with her. The price of the insurance was more than reasonable.Patricia KostrichPatricia Kostrich ★★★★★ Artmiz Namazi is very helpful, patient & just a delight to speak with doing businessWe have dealt with different people for travel insurance over the years & some could take some lessons from ArtmizJoan FlemingJoan Fleming ★★★★★ Artmiz was very pleasant and patient to deal with. Happy with our coverage.Bob WainesBob Wainesjs_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.

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4.8 Stars