Health and Dental Insurance

Ensure peace of mind with Health and Dental Insurance, which covers preventive care and prescription expenses, providing essential support for your well-being. Protect your health with a policy that guarantees comprehensive benefits.

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Our Reviews

Excellent4.8 Based on 400 reviews from ★★★★★ Excellent service from Ummi.Chris PaveleyChris Paveley ★★★★★ 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!Dave FabelloDave Fabello ★★★★★ Thank you Sehar Bajwa, prompt helpful and professional.hayam rozikhayam rozik ★★★★★ 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.Janet FountainJanet Fountain ★★★★★ Attended by Artmize, good customer service, puntual and very professional. Will continue making bussiness with her.Edgar MontanoEdgar Montano ★★★★★ 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.Kevin RodgerKevin Rodger ★★★★★ 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 youDeb KnightDeb Knight ★★★★★ 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 CrossanMary CrossanMary Crossan ★★★★★ 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 herRachel BlouinRachel Blouin ★★★★★ 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!Faye Libler (MacGIRLver)Faye Libler (MacGIRLver) ★★★★★ 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 expertiseLindaLinda ★★★★★ Quick, reasonable and the broker, Sehar Bajwa was helpful, knowledgeable and kind.Thank you Sehar!Cindy MathisonCindy Mathison ★★★★★ 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!Donna KarjalainenDonna Karjalainen ★★★★★ Service was excellent. Assisted in every way possible to clarify my needs.John FantinJohn Fantin ★★★★★ 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.Mikhael ChernitskyMikhael Chernitsky ★★★★★ Thanks Sehar for your knowledge and patience while I decided which package to take!! Well done!Bandna SawhneyBandna Sawhney ★★★★★ I had a great experience with Sehar when purchasing my travel insurance.Joy McDonellJoy McDonell ★★★★★ 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.Katiana LoKatiana Lo ★★★★★ 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 receivedPam SinghPam Singh ★★★★★ 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.Eklove ShatnerEklove Shatner ★★★★★ Ummi was most helpful and informativewhen I purchased Trip Cancellation andInterruption coverage on September 19!Stephen J. RushfordStephen J. Rushford ★★★★★ Amazing service! Nice to talk with a real person and not just online. Great at changing my insurance with no issues.Joanne HuntJoanne Hunt ★★★★★ Artmiz was capable, responsive and punctual. A good experience!Geoff StilesGeoff Stiles ★★★★★ Once again Ummi has provided an economical rate and stress free service for my snowbird health insurance. Strongly recommend for price and revive many thanksElizabeth BastableElizabeth Bastable ★★★★★ Theresa helped me get medical insurance for my upcoming trips. She explained everything in detail making it an easy for me to make the decision!christine Foxchristine Fox ★★★★★ Theresa Hauser provided excellent service - clear information and great support regarding travel insurance- both cancellation and interruption.Don WagnerDon Wagner ★★★★★ Theresa was very helpful & answered all my questions. Very efficient & I received all the documents & information within minutes. Thank you TheresaIrene HartlIrene Hartl ★★★★★ Quick and efficient process and very good, pleasant exchange with agent Theresa HeuserRandy KlattRandy Klatt ★★★★★ Theresa is very helpful and efficient. I get all my insurance needs done seamlessly by this company.Maria Cecilia Danganan-LandichoMaria Cecilia Danganan-Landicho ★★★★★ Artmiz Namazi was a very nice person to deal with. She went far and beyond to help me to have the best deal. She understood my problem and made sure I knew it was solved. I will greatly recommend her to anyone searching for emergency travel insurance.Catherine PoplawskiCatherine Poplawski ★★★★★ Theresa Heuser helped me with buying travel insurance today. She was amazing!! The process was fast and painless. I always find buying our travel insurance to be one of the most stressful things in getting ready to travel. Thank you Theresa for making it so easy for me.Pat and Art ThorrougoodPat and Art Thorrougood ★★★★★ Theresa was prompt at replying, answering all my questions and very friendly and pleasant to deal with. She is an asset to your company.Yvonne FjaagesundYvonne Fjaagesund ★★★★★ Great experience. Theresa Heuser And Sabrina Izdiher helped me with everything. Very helpful and awesome customer serviceGurasisGurasis ★★★★★ Great professional quick service!Colleen Van HornColleen Van Horn ★★★★★ It was good, customer service and the client dealing is best and also they get you good deals.Ahtsham SaifAhtsham Saif ★★★★★ Theresa was very clear and helpful with our travel insurance questions.Gabriella KleinGabriella Klein ★★★★★ Theresa was very helpful and professional in all our dealings! Would recommend her highly.Joyce SchaafJoyce Schaaf ★★★★☆ Theresa was very efficient, friendly and patient.Sandra PerrinSandra Perrin ★★★★★ Artmiz Namazi was an excellent person to deal with. She was very knowledgable and gave me excellent advice. Her quick response to my inquiries on line and over the phone were great. She was extremely helpful and friendly and gave 5 star service.The price for the insurance I needed was also excellent. Thanks ArtmizFran SmythFran Smyth ★★★★★ Excellent product at a cheaper price than other providers.Dale CrawfordDale Crawford ★★★★★ Brilliant and professional support given by Artmiz. Very happy with our Travel Insurance Policy. Thank youSabir ParvaizSabir Parvaiz ★★★★★ I am So glad and happy to have the agent name Ummi to assisted me purchase our travel insurance, very pleasant and helpful. Introduced her to my friends, they were happy with the service too. Thanks Ummi. For sure will looking for you at next travel time.Van TranVan Tran ★★★★★ Great people & service.Dave GobellDave Gobell ★★★★★ Great job, knowledgeable, very patient and tried her best to help me. Thanks Ummi for excellent customer serviceRazijaRazijajs_loader
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Shopping for Health and Dental Insurance? We Can Help!

We make finding the right insurance coverage fast and simple by connecting you with the best insurance providers in Canada.

Browse options, compare rates, and save more on HealthRates.ca.

Understanding Private Health Insurance

Physical and mental well-being is essential. While provincial health plans in Canada cover most healthcare expenses, they often exclude preventive care, creating a gap that private health insurance can address. Private health insurance offers significant benefits for preventive care, ensuring proactive health management. Coverage may include services such as chiropractic care, massage therapy, mental health practitioners, wellness programs, and more. These services allow you to prioritize prevention and early detection of health issues. This proactive approach enhances your overall well-being and reduces the risk of developing serious medical conditions. By investing in private health insurance, you gain access to comprehensive preventive care, empowering you to maintain optimal health and longevity.

Key Benefits

Having a private health and dental insurance in Canada offers several key benefits:

Health Coverage:

  • Prescription Drugs: Private insurance covers prescription drugs that may not be fully covered by the government health plan.
  • Vision Care: Coverage for eye exams and prescription glasses.
  • Physiotherapy: It helps with injury recovery and rehabilitation.
  • Medical Equipment: Coverage for mobility aids and medical equipment.
  • Emergency Travel Medical Services: When you travel outside of Canada, private insurance provides emergency medical coverage.

Dental Coverage:

  • Routine Dental Care: Includes teeth cleanings, check-ups, and preventive treatments.
  • Orthodontic Treatment: Coverage for braces.
  • Restorative Dentistry: Includes crowns, fillings, and dentures.

Flexibility and Tailored Coverage:

  • You can choose insurance plans based on your specific needs and preferences.
  • Some plans allow you to take your coverage with you even if you change jobs or experience health changes.

Different Types of Health Insurance in Canada

Health and Dental Insurance supplements what your provincial plan and employer might not cover. Options include standalone health or dental insurance plans, as well as comprehensive packages that combine both. With various levels of coverage tailored to specific needs, our specialists can help you find the optimal plan at competitive rates.

Dental Insurance

Dental health is crucial, as problems can occur unexpectedly. Dental insurance typically covers up to 80% of preventive care costs, including check-ups, cleanings, extractions, fillings, scalings, and x-rays. For orthodontic treatments or major restorative procedures, specialized plans offer coverage at higher premiums and may include increased co-payments, providing invaluable peace of mind.

Health Insurance

Supplementing your provincial plan, health insurance covers services like prescription medications, vision care, mental health support, hearing aids, physiotherapy, and more. Essential for those with specific health needs, health insurance offers tailored coverage to ensure comprehensive care and financial security.

Health and Dental Insurance

Combining dental and other healthcare coverage, Health and Dental Insurance bridges the gaps left by provincial plans. This comprehensive option provides peace of mind and ensures full health coverage. With diverse plans tailored to individual needs, our experts are committed to finding the ideal solution for you.

Tips for Saving Money on Health & Dental Insurance

Our objective is to assist you in reducing costs. The most efficient method to save on Health & Dental Insurance is by comparing rates from various providers. This task can be quite time-consuming. Thankfully, Health Rates makes it easier for you. Simply request a quote on our website, and we will handle the rigorous task of evaluating rates from major Canadian insurers to ensure you receive the most competitive options available. Additionally, here are some tried-and-true tips for saving money on Health and Dental Insurance.

Regularly Review Your Plans

Frequently comparing health and dental insurance plans keeps you updated on available options and potential savings. By reviewing policies annually or during significant life changes, you can ensure you’re getting the best coverage at the most competitive rates.

Choose Higher Deductibles

Choosing a plan with higher deductibles can lead to lower monthly premiums. While this requires you to pay more out-of-pocket for healthcare expenses before your insurance coverage kicks in, it can significantly decrease your total premium costs, especially if you’re in good health and don’t anticipate additional visits to the doctor.

Take Advantage of Wellness Programs

Numerous health insurance providers offer wellness programs designed to encourage preventive care and healthy lifestyle choices. Engaging in these programs, which often feature discounts on gym memberships, nutrition counseling, and smoking cessation programs, can enhance your health results and potentially reduce long-term healthcare expenses.

Consider Group Coverage Options

Group health and dental insurance plans, often available through employers or professional associations, generally provide broader coverage at lower rates compared to individual policies. If you have access to group coverage options, take advantage of them to enjoy substantial cost savings and enhanced benefits.

Maintain Healthy Habits

Focusing on preventive care and adopting healthy lifestyle habits can significantly reduce health and dental insurance premiums over time. By maintaining a healthy weight, exercising regularly, eating a balanced diet, avoiding tobacco use, and attending regular check-ups, you can lower your risk of chronic health conditions and potentially qualify for reduced insurance rates.

FAQ’s – Health and Dental Insurance

Find even more valuable answers to the most commonly asked questions about health & dental insurance here:

Yes, provincial health plans often have gaps. Health and Dental Insurance covers additional services like prescription drugs, dental care, and vision care.

Yes, Dental Insurance can be bought as a standalone policy or as part of a comprehensive package.

Yes, some services may have waiting periods, which vary by insurer and policy.

Yes, dependents can be added to most policies, affecting the premium cost.

Many plans include this coverage, but review your policy and consider additional travel insurance for comprehensive protection.

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