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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4.8 Stars
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Our Reviews

Excellent4.8 Based on 352 reviews from ★★★★★ Artmiz was very pleasant and efficient to deal with. She was prompt in her replies, and in answering any other questions we had. Her travel insurance pricing was the best that we found,Jean BamfordJean Bamford ★★★★★ Artmiz was totally great!! She is so pleasant, efficient and she gave us the best price and advice!! It was a pleasure to work with her.Ian BamfordIan Bamford ★★★★★ Very good. LovelyDonna KeenanDonna Keenan ★★★★★ Our agent Artmiz was very knowledgeable and answered all of our hypothetical travel scenarios with ease. The premium savings were significant because Allianz offers "top-up" products to those of us who have existing coverage, but need more.catherine onishicatherine onishi ★★★★★ Ummi is always helpful and professional. She has been helping our family for all travel insurance over the past years.MargieMargie ★★★★★ Ummi is courteous and professional. Good job!Rod SetoRod Seto ★★★★★ Artmiz was very pleasant and helpful in providing the coverage needed for my trip.John CliffordJohn Clifford ★★★★★ Nice Dealing And Nice Explanation…Harman BasraHarman Basra ★★★★☆ I want to let everyone know that when you buy your insurance from Alliance, buy it from Dornaz. I have had 2 separate policies through her and can't say enough about her thoroughness, knowledge of the product and her customer service. It was pleasure dealing with her.Nola DyckNola Dyck ★★★★★ Great customer serviceJennifer PhillipsJennifer Phillips ★★★★★ I had a very good experience with Dornaz. She was very helpful and got my policy together quickly. I will certainly recommend her to my friends.Steve StaplesSteve Staples ★★★★☆ Thank you Theresa and Adam for your help with our travel insurance plans, for your timely assistance and the savings you were able to find for us.Yogashiatsuyucatan DonypaolaYogashiatsuyucatan Donypaola ★★★★★ Artmiz Namazi provided excellent service. She was very professional and took the time to explain the insurance coverage and answer all my questions. She is a great asset to your company and I will not hesitate to recommend her to my friends and familyChris DingsdaleChris Dingsdale ★★★★★ Artmiz was very helpful, friendly and informative. She really knows her subject and was ready to help in any way.Carolyn CassellsCarolyn Cassells ★★★★★ Theresa Heuser is professional and competent in the insurance process. A pleasure!Ronald BironRonald Biron ★★★★★ What a pleasure dealing with Ummi, who took all the pain out of purchasing Travel Insurance for my wife and I, who are both 80 year old Seniors. Sensitive and yet enquiring, Ummi guided us through the minefield of questions with the competant ease of an expert. Ummi was responsive to any unintended omissions and made sure there were no loose ends that could disqualify any future claim. We go on Holiday knowing that we have been professionally prepared with cover for Medical emergencies, if they should arise.John DawkinsJohn Dawkins ★★★★★ great service by the phone and email.h mh m ★★★★★ We bought Emergency Medical policy for our coming trip from Ummi Hanny. She was such a good help and responsive to all our questions, either by phone or emails. Such an excellent service, above and beyond our expectations!! Thank you!Jacob SteinbergJacob Steinberg ★★★★★ We booked travel insurance with Ummi Hanny for a river cruise we are taking this summer. She was very professional, responded quickly and efficiently to emails, calls and questions. Would definitely recommend her and Alliance/Allianz.Kathy CastleKathy Castle ★★★★★ It was a pleasure to deal with Artmiz. Very polite and Patient. Nice to deal with someone who knows and enjoys their job.Tom BrailsfordTom Brailsford ★★★★★ I just finished getting a tailored insurance package with the help of Ummi. I really appreciated the attention to detail and how knowlegable she was on the various packages. Ummi was able to get us an annual package for me and my wife that focused on our need for Trip Cancellation/Inturruption and also a single trip comprehensive package for our 3 grandchildren that will be traveling with us on our next trip. It was a pleasent experience. Ummi detailed the options and made recommendation that ensured we had the coverage we needed at the best possible price. This was all done over the phone and email and we received the comple package immediately after the purchase in our email. Thanks UmmiJeff LangJeff Lang ★★★★★ We were helped by Ummi Hanny she is very professional and helpful.Thanks for your understanding,Heinz KriegerHeinz Krieger ★★★★★ Ummi was our Insurance agent helping with getting medical and cancelation policy -she was very professional and knowledgeable and was able to get us a very reasonable insurance rates.Milos RudolfMilos Rudolf ★★★★★ Eric provided policy information, confirmed my personal details to ensure the policy would be correct, processed my payment quickly.Tracy HastingsTracy Hastings ★★★★★ I dealt with Ummi Hanny, oh my she was wonderful! She even laughed at my jokes. What a great first experience.Lise BeaulneLise Beaulne ★★★★★ Ummi. was very helpful and pleasant. Billwilliam rockwilliam rock ★★★★★ Our purchase of Allianz Emergency Medical Insurance through Alliance Income Services Corp was a breeze. Ummi and Mariam was a pleasure to work with. They were both very patient, knowledgeable, and efficient in presenting the various options available to us. Mariam did a lot of leg work comparing several insurance companies just to find a plan that suit our needs. Ummi then completed the processing of the policy effortlessly and made the process seamless. I would highly recommend anyone who needs an insurance coverage to speak to especially this two ladies.Danny ChinDanny Chin ★★★★★ My agent Artmiz was very helpful and provided me with a quote quickly. When I was ready to accept the quote she responded quickly and sent me all the necessary documents just as efficiently. Happy with my interactions.Stephanie RumbleStephanie Rumble ★★★★★ Eric and Bob were both extremely helpful and attentive to my needs.Paul CodyPaul Cody ★★★★★ Teresa was great. Addressed all my concerns.Robert CarterRobert Carter ★★★★★ The service given by Ummi Hanny was excellent- very pleasant, courteous and professional.Simin MeshginnafasSimin Meshginnafas ★★★★★ I had a top notch experience with this insurance broker. Eric Clementi was the person that helped me from the day that I asked for a quote online. He was very thorough with explaining every minor details that might be misunderstood between the client and the provider. Eric is very professional with his tone of voice which makes a potential client feel at ease. Nonetheless, I’ve tried different insurance broker, their monthly fees are way above the average, Alliance income Services Corp has the most decent fee for a family of five… it’s a bang for the buck kind of thing. Truly recommend this company. 👍Mark EngelMark Engel ★★★★★ Eric Clemente and Ryan were excellent to deal with. Both were very helpful , to the point , and curious .Michael BoudreauMichael Boudreau ★★★★★ Excellent service by Eric Clementi and Ryanmargaret burnsmargaret burns ★★★★★ Eric and Adam were very helpful with my travel medical insurance. Now I realize if I have to use this coverage that I will be in great hands.Bonnie SmithBonnie Smith ★★★★★ Hello...Eric was very easy to work with ....very polite....and set up my insurrance policy very quickly....thank you again Eric....Marsha Risser.Marsha RisserMarsha Risser ★★★★★ I ordered insurance for my husband and myself. It was a very easy process and was helped greatly by Eric and Dylan. Both were very diligent with helping me through it all. Very easy and quick.Marilee Van BuskirkMarilee Van Buskirk ★★★★★ It was a pleasure speaking with Eric Clementi. He was polite, understanding and considerate.Mohinder BangaMohinder Banga ★★★★★ I was quite happy to get excellent & friendly customer services from Artmiz - very helpful & knowledgeable!Bruce YeeBruce Yee ★★★★★ Great service from knowledgeable and very helpful people. Thank you Eric Clementi and Ezarie!Beverley HowickBeverley Howick ★★★★★ Eric Clementi is the manYunus PatelYunus Patel ★★★★★ I had to sign up for my own health and dental insurance. The staff at this company were quick to get back to me and provide suggestions on insurance plans. The sign up process was very easy to do over the phone. I communicated with Eric Clementi who was very professional and efficient.Muhammad KoyaMuhammad Koyajs_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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