Canada is well known for its publicly funded healthcare system, which provides essential medical services to all citizens and permanent residents. However, not everything is covered under provincial healthcare plans — and that’s where medical and dental insurance steps in.
This article breaks down how medical and dental insurance works in Canada, what it covers, and how to choose the right plan for your needs.
What Public Healthcare Covers — and What It Doesn’t
Each province or territory has its own healthcare plan (like OHIP in Ontario or MSP in British Columbia), covering services such as:
- Visits to your family doctor
- Hospital stays and surgeries
- Diagnostic tests (e.g., X-rays, bloodwork)
- Emergency care
However, these plans do not cover many routine or specialized services, including:
- Prescription medications (outside hospitals)
- Dental care
- Vision care
- Mental health services (beyond basic coverage)
- Physiotherapy, massage therapy, chiropractic services
- Medical equipment (e.g., crutches, hearing aids)
That’s why many Canadians opt for private medical and dental insurance — especially if they’re self-employed, retired, or not covered under an employer’s group benefits plan.
What Is Medical and Dental Insurance?
Private medical and dental insurance is designed to fill the gaps left by public coverage. It can help you manage out-of-pocket healthcare costs and provide access to additional services.
Plans are available for individuals, families, and even small business owners who want to offer employee benefits.
Types of Coverage Available
1. Extended Health Insurance
Covers services not included in your provincial plan, such as:
- Prescription drugs
- Paramedical services (physiotherapists, chiropractors, psychologists, etc.)
- Medical supplies and equipment
- Emergency medical travel coverage
- Ambulance services
2. Dental Insurance
There are usually three levels:
- Basic care: Exams, cleanings, X-rays, fillings
- Major restorative care: Crowns, bridges, dentures
- Orthodontics: Braces and other corrective treatments (usually only included in higher-end plans)
3. Vision Care
Often included in health plans:
- Eye exams
- Glasses and contact lenses
- Laser eye surgery (partial coverage)
4. Health Spending Accounts (HSAs)
A flexible, tax-advantaged option popular with small business owners and incorporated professionals. HSAs let you reimburse eligible health expenses from a pre-set fund.
Who Should Consider Private Medical and Dental Insurance?
- Self-employed individuals and freelancers who don’t have employer benefits
- Seniors needing prescription drug coverage or dental work not covered by provincial senior plans
- Families with children who need orthodontics or frequent health services
- Newcomers to Canada who may face waiting periods before provincial coverage kicks in
- Retirees looking to maintain access to dental and prescription drug coverage
How Much Does It Cost?
Costs vary widely based on:
- Your age
- Location
- Health history
- Type of coverage
- Size of your family
Basic health and dental insurance plans might start around $50 to $100/month, while more comprehensive plans can cost $200/month or more for a family.
Major Providers in Canada
Some of the leading providers of individual and family health and dental insurance include:
- Manulife
- Sun Life
- Blue Cross (regional organizations like Ontario Blue Cross, Pacific Blue Cross, etc.)
- Green Shield Canada
- Canada Life
- Desjardins
Tips for Choosing the Right Plan
- Identify your needs: Do you want drug coverage? Dental? Vision?
- Review what your provincial plan covers: It varies by province.
- Compare quotes: Use online tools or speak to a licensed broker.
- Consider your future needs: Some plans lock in rates or allow for plan upgrades later on.
- Check for waiting periods: Some services (like major dental work) may have 6–12 month delays before you can claim.
Final Thoughts
While Canada’s public healthcare system offers strong foundational coverage, private medical and dental insurance can be a smart way to protect yourself and your family from unexpected health-related expenses. Whether you’re self-employed, retired, or simply want more control over your healthcare access, the right insurance plan can provide peace of mind and financial security. If you would like for a licensed professional to help you explore your options, fill in a quick form below to get connected to a Canadian Insurance Broker.
