Desjardins Health Insurance Review (2026)

Is Desjardins health insurance good?

Desjardins is the largest financial cooperative in North America, with 7.8 million members and clients and a network of over 50,000 employees. Founded in 1900 as a credit union by husband and wife Alphonse and Dorimène Desjardins, the company has since become the third-largest insurer in the country by assets, and sells life, travel, and health insurance.

Desjardins is an iconic Québecois institution, a true Canadian success story, and a contender for the best health insurance provider. Although we weren’t able to source any health insurance quotes, we have a comprehensive review of just about everything else Desjardins.

^{* On average across all age groups, plans, and regions included in our study.}

Our expert take

Desjardins’s health insurance plans prioritize prescription drug and paramedical coverage at the cost of accidental dental and ambulance coverage. If you want financial protection against an expensive diagnosis (and you don’t mind answering a medical questionnaire), Desjardins’s coverage could be a good fit for you.

How much does Desjardins health insurance cost?

Desjardins’s health insurance rates aren’t readily available online, and because its products are underwritten, your premiums will depend on your health and medical history. 

If you’re in good health (and your close relatives are, too), underwritten health insurance can be fairly affordable. Your health insurance premiums could resemble the industry average for underwritten plans:

^{The table displays the approximate average monthly costs of applicants living in Canada. “Children” refers to newborn infants and “Seniors” to 60-year-old adults. “Adults” refers to the age group with the starting age closest to 18, and “Older adults” refers to the age group immediately following “Adults.” Although we strive to ensure accuracy, PolicyMe cannot guarantee the validity of third-party data.}

SOLO Healthcare

Desjardins sells two private health insurance plans: SOLO Healthcare Health Plus Basic and Enhanced. Based on coverage alone, our top pick is Health Plus Enhanced Plan, but your mileage may vary depending on the price you’re quoted:

^{* Comparison reflects the total amount of prescription drug, dental, vision, paramedical, mental health, accidental dental, and ambulance coverage versus the industry average for comparable plans.}

Health Plus Basic Plan by Desjardins

Our expert take: Health Plus Basic (with Basic Drugs and Dental) by Desjardins is a decent choice for young, healthy applicants and freelancers. Its drug coverage may not apply to medications for pre-existing medical conditions, making it more of a financial safeguard against an expensive diagnosis than a way to save money on existing prescriptions.

However, you’re trading one kind of financial protection for another. Health Plus Basic has the third-lowest amount of accidental dental coverage among the plans we surveyed, making it potentially unsuitable for kids and adventurous adults.

Pros & cons:

Coverage details:

• 70% of generic or brand-name prescription drugs (up to $5,000 per year)
• Up to 80% of preventive and basic dental services (up to $750 per year)
• 100% of vision services every 2 years (up to $50 for eye exams and $150 for prescription lenses, frames, and laser surgery)
• 100% of visits to 12 paramedical professionals (up to $20 per visit and $400 per profession)
• 100% of visits to mental health professionals (up to $65 per visit and 6 visits combined per year)
• 100% of accidental dental services (up to $1,000 per accident)
• 100% of ground and air ambulance transportation (up to $2,000 combined per year)

Available products:

• SOLO Healthcare Health Plus Basic and Enhanced Plan, a pair of underwritten, no-drug, no-dental health insurance plans with drug and dental options.

Health Plus Enhanced Plan by Desjardins

Our expert take: The best feature of Desjardins’s Health Plus Enhanced Plan (with Enhanced Drugs and Dental) is its flexible mental health coverage and its paramedical coverage, which boasts a generous per-profession limit. Unfortunately, it’s limited to $30 per visit, and its prescription drug and dental coverage is around 20% below the industry average, at least in year 1. We’re also surprised it doesn’t carry the high-to-unlimited accidental dental and ambulance coverage typical of premium health insurance policies.

Pros & cons:

Coverage details:

• 90% of generic or brand-name prescription drugs (up to $10,000 per year)
• Up to 100% of preventive, basic, major, and orthodontic dental services (up to $750 per year)
• 100% of vision services every 2 years (up to $70 for eye exams and $250 for prescription lenses, frames, and laser surgery)
• 100% of visits to 12 paramedical professionals (up to $30 per visit and $600 per profession)
• 80% of visits to mental health professionals (up to $500 combined per year)
• 100% of accidental dental services (up to $2,000 per accident)
• 100% of ground and air ambulance transportation (up to $4,000 combined per year)

Available products:

• SOLO Healthcare Health Plus Basic and Enhanced Plan, a pair of underwritten, no-drug, no-dental health insurance plans with drug and dental options.

How does Desjardins health insurance compare to other providers?

Based on coverage alone, Health Plus Enhanced is Desjardins’s best plan, but it still leaves a lot to be desired. Its dental, accidental dental, and ambulance coverage is undersized, and its generous prescription drug coverage may not apply to your current medications or the medications used to treat pre-existing medical conditions. If you want the same coverage and the chance to save money on prescriptions, we recommend Manulife’s ComboPlus Enhanced Plan.

^{* Premiums reflect the approximate monthly cost for an 18-21-year-old adult living in Canada.}

Does Desjardins have accident insurance?

Desjardins’ Accirance Select accident insurance provides up to $500,000 in a tax-free, lump-sum payment should you suffer an unexpected injury or death. It’s guaranteed, meaning you don’t have to answer a medical questionnaire, and includes access to psychological and convalescence assistance to help with your recovery.

Does Desjardins have critical illness insurance?

Desjardins’ critical illness insurance provides $10,000–$4 million in coverage if you’re diagnosed with one of 26 critical conditions, including life-threatening cancer, acquired brain injury, heart attack, and multiple sclerosis. If you receive a less severe diagnosis (such as for early-stage cancer or a minor cardiovascular condition), you may be eligible for a partial payment up to $100,000.

Desjardins also sells one of the few critical illness insurance policies for children available in Canada, which covers six additional disabilities and illnesses, including autism and cystic fibrosis. A variety of riders, term lengths, useful perks (such as autonomy and psychological assistance), and a bundling discount make it a good choice for comprehensive family coverage.

Does Desjardins have disability insurance?

Depending on your employment, Desjardins’s disability insurance can replace $400–$1,500 of your monthly income if illness or injury threatens your livelihood. Like other Desjardins insurance products, it’s highly customizable, with a variety of riders and coverage options.

Is Desjardins health insurance worth it?

Desjardins SOLO Healthcare Health Plus plans enable customers to build their own health insurance plans with two levels of prescription drug and dental insurance. The company’s large product selection and bundling discounts make it an excellent choice for shoppers who want to get all their coverage in one place. 

Unless you’re quoted an excellent price, we’re skeptical of recommending Desjardins health insurance. Competitors like Manulife and Sun Life offer comparable plans with better drug, dental, accidental dental, and ambulance coverage, plus the convenient option to apply online.

FAQ: Desjardins health insurance

Prices listed on this page are based on information available as of January 2026. The prices shown are for general reference only and may vary based on factors like your age, location, and product selection.