Many Canadians think their provincial health plan or employee benefits are enough to cover unexpected health events — but that’s not always the case.
Gaps in Government Coverage
Public health care covers essential medical services, but:
- Medications, dental, and vision often aren’t included
- Home care, rehab, and long-term care have limited funding
Gaps in Workplace Plans
While group plans are helpful, they:
- May only cover part of your income if you’re disabled
- Usually have limits on dental, physio, and mental health
- Don’t follow you if you change jobs
How Insurance Fills the Gap
- Life insurance: Helps with final expenses and family support
- Critical illness: Pays a lump sum to support recovery
- Disability insurance: Replaces your income if you can’t work
- Health and dental plans: Fill out-of-pocket cost gaps
Final Thought
Group plans and government programs are helpful — but they’re not bulletproof. A personalized insurance strategy helps ensure you’re fully protected. 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.
