What is personal health insurance?

Personal health insurance products help lower your risk of being burdened by expenses for preventive care or medical bills as a result of an illness or accident. While provincial health plans provide coverage for many health expenses, there are gaps that can have a significant impact on your finances. For example, depending on the province or territory where you live, you may have to pay for:

  • Prescription drugs to treat a chronic or serious health condition
  • Emergency medical services provided in another country
  • Practitioners like physiotherapists to promote wellness or help with injury recovery
  • Medical equipment to assist with your mobility

We offer 3 Personal Health Insurance plans:

Personal Health Insurance is for you if you don’t have adequate employer group benefits coverage. You can choose among plans with differing levels of coverage. Each person included on a Personal Health Insurance application must have provincial health coverage and will be medically underwritten.

Basic plan Standard plan Enhanced plan

Our lowest-cost plan helps you budget for basic medical and dental needs.

  • 60% reimbursement for prescription drugs with a $750 annual maximum
  • 60% reimbursement for supplemental healthcare expenses.
  • 60% reimbursement with a $25 per-visit maximum on paramedical practitioner services up to $250 per year per practitioner
  • 60% reimbursement for preventive dental care with a $500 annual maximum
  • Semi-private hospital room coverage is optional. No coverage for emergency travel medical or vision care

Our most popular plan includes catastrophic drug, emergency travel medical and optional preventive dental coverage.

  • For prescription drugs, 70% reimbursement for first $7,000 and 100% reimbursement for next $93,000 of annual eligible expenses
  • 100% reimbursement for supplemental healthcare. 100% reimbursement for paramedical practitioner services up to $300 per year, per practitioner. 100% reimbursement for vision care up to a $150 maximum every 2 years
  • Emergency travel medical for the first 60 days of a trip and $1 million lifetime maximum on emergency travel medical claims
  • Optional preventive dental and semi-private hospital room coverage

Our most comprehensive coverage, with a higher prescription drug maximum than the standard plan and optional dental coverage that includes restorative and orthodontic services.

  • For prescription drugs, 80% reimbursement for first $5,000 of annual eligible expenses and 100% reimbursement for next $245,000 of annual eligible expenses
  • 100% reimbursement for supplemental healthcare. 100% reimbursement for paramedical practitioner services up to $400 per year, per practitioner. 100% reimbursement for vision care up to $200 maximum every 2 years
  • Emergency travel medical for the first 60 days of a trip and $1 million lifetime maximum on emergency travel medical claims
  • Optional dental coverage for preventive, restorative and orthodontics and optional semi-private hospital room coverage