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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

Excellent
4.8
Based on 416 reviews
Gail Campbell
Gail Campbell
Dornaz was very friendly and professional providing me with travel cancellation/interruption insurance.
hanne sajda
hanne sajda
I’m so happy in dealing with Ummi Hanny , she’s absolutely a star, she really helped me finding the right insurance for me.
Denise Morgan-Fell
Denise Morgan-Fell
Great travel insurance Dornaz was very professional.
A. Ron Algate
A. Ron Algate
Very pleasant, efficient and helpful
Brent Clayton
Brent Clayton
Very easy to set up policy on a ti.ely manner.
Nora from Aurora
Nora from Aurora
The cost quoted was definately comparable to other carriers. My only complaint is that you can never call and get a direct quote. You always have to leave a message and wait for a call back. I find that inconvenient. It took me 2 days to get a quote. It used to take less than 30 minutes.
pradeep mohapatra
pradeep mohapatra
Great service by Dornaz
Dennis Wright
Dennis Wright
Dealt with Sehar Bajwa for travel insurance coverage for Caribbean cruise.Dealt with her for previous policy as well.Was very pleasant and helpful in completing the application.
Noguts
Noguts
we dealt with Dornaz as our agent. Great service. First time using Alliance but will not be our last. Thank you
Gerald Berezuk
Gerald Berezuk
Dornaz was knowledgeable, professional, friendly and took the time to explain things clearly
Genry Garcia López
Genry Garcia López
Thanks to Mia Chen we were able to get our home insurance. She is very professional and safe.
Lily
Lily
I reached out to Alliance in my search to get travel insurance for an immigration visa for a family member. Ummi has been great throughout the process. She was available for all questions I had and assisted me in extending the plan as we had delays. I highly recommend her services as an insurance broker.Thank you Ummi!
Dee Tung
Dee Tung
Sehar Bajwa looked after all my travel insurance needs in the utmost professional mannerShe was very helpful asking the right questions to help get the insurance that was right for me. I will definitely call her for my next trip to Japan
James Francis
James Francis
To date everything promised was delivered. If we ever need to make a claim, I will update with our experiences
Pratibha Malavia
Pratibha Malavia
Sehar Bajwa helped me with buying travel insurance for my husband. She was amazing!! The process was fast and painless. This was first time buying travel insurance and I was little leery about it but Sehar was very helpful in answering all my questions and she was very patient and caring. Thank you Sehar for making it so easy for me and it was pleasure dealing with you.
Suzanne & Roy Cormier Palmer
Suzanne & Roy Cormier Palmer
A fantastic experience! Sehar could not have been more helpful and competent. It was a real pleasure with someone so efficient and patient. I have already recommended Alliance Income to some friends and directed them to Sehar. Great work! Keep it up!
Antonio Talanga
Antonio Talanga
Very knowledgeable and able to recommend the best insurance for the circumstances
Jan-Paul Landry
Jan-Paul Landry
Sarah, was very helpful in providing us with answers to our questions, and guiding us through our needs for travel insurance.
Chris Paveley
Chris Paveley
Excellent service from Ummi.
Dave Fabello
Dave Fabello
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!
hayam rozik
hayam rozik
Thank you Sehar Bajwa, prompt helpful and professional.
Janet Fountain
Janet Fountain
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.
Edgar Montano
Edgar Montano
Attended by Artmize, good customer service, puntual and very professional. Will continue making bussiness with her.
Kevin Rodger
Kevin Rodger
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.
Deb Knight
Deb Knight
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 you
Mary Crossan
Mary Crossan
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 Crossan
Rachel Blouin
Rachel Blouin
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 her
Faye Libler (MacGIRLver)
Faye Libler (MacGIRLver)
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!
Linda
Linda
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 expertise
Cindy Mathison
Cindy Mathison
Quick, reasonable and the broker, Sehar Bajwa was helpful, knowledgeable and kind.Thank you Sehar!
Donna Karjalainen
Donna Karjalainen
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!
John Fantin
John Fantin
Service was excellent. Assisted in every way possible to clarify my needs.
Mikhael Chernitsky
Mikhael Chernitsky
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.
Bandna Sawhney
Bandna Sawhney
Thanks Sehar for your knowledge and patience while I decided which package to take!! Well done!
Joy McDonell
Joy McDonell
I had a great experience with Sehar when purchasing my travel insurance.
Katiana Lo
Katiana Lo
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.
Pam Singh
Pam Singh
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 received
Eklove Shatner
Eklove Shatner
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.
Stephen J. Rushford
Stephen J. Rushford
Ummi was most helpful and informativewhen I purchased Trip Cancellation andInterruption coverage on September 19!
Joanne Hunt
Joanne Hunt
Amazing service! Nice to talk with a real person and not just online. Great at changing my insurance with no issues.
Geoff Stiles
Geoff Stiles
Artmiz was capable, responsive and punctual. A good experience!
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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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