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The best health insurance in Canada depends on your province, age, and coverage needs. Health plan costs typically range from $50 to $175 per month. Top health insurance providers in Canada include PolicyMe, Sun Life, GreenShield, Manulife, and Canada Life. The best plan for you and your family will depend on your health, lifestyle and budget and may include prescription drug, dental, and vision care not covered by provincial health plans.
Key Takeaways
Best overall health insurance: Guaranteed Issue Classic by PolicyMe combines affordability and coverage with top-rated customer service and doesn’t require a medical questionnaire.
Best for affordability: Personal Health Insurance Basic Plan by Sun Life is the most cost-effective policy we found across 1,700+ plans.
Best for prescription drug coverage: Personal Health Insurance Standard Plan by Sun Life offers 70% reimbursement on the first $7,000 of prescriptions and 100% on up to $93,000.
Best for high-limit benefits: Guaranteed Issue Advanced by PolicyMe provides top-tier coverage for families who need higher annual limits on vision, dental, paramedical services, and more.
Best for no-dental coverage: ZONE 4 by GreenShield combines moderate drug coverage and other medical services while remaining CDCP compliant.
Best for no-drug coverage: Dental Care by PolicyMe is a guaranteed-issue plan that offers coverage on prescription, vision, paramedical services, and more.
Best for replacing health insurance: Protect Classic by PolicyMe offers drug coverage on eligible pre-existing conditions and no waiting periods for certain benefits.
Best for robust coverage: Freedom to Choose Guaranteed Elite by Canada Life asks no medical questions and provides extended healthcare benefits, including private hospital rooms, nursing homecare, and nursing aids.
Why trust our rankings?
1,700+ quotes analyzed
50+ plans reviewed
Pricing updated May 2026
Reviewed by licensed advisors
No paid placements
A good private health insurance plan should cover healthcare costs not included in your existing public and group insurance benefits. That might include dental insurance, vision care, and coverage for mental health or paramedical services. And while the cheapest plan isn’t always the best, our top picks balance affordability with robust coverage.
PolicyMe’s rankings are based on an independent, data-driven review of Canada's leading health and dental insurance products and providers. Our analysis draws on 1,700+ quotes covering 50+ health insurance products from the seven biggest providers in Canada, sourced from official product websites and supplemented with customer ratings from Google. To improve the accuracy of our recommendations and cost comparisons, we grouped plans into multiple categories based on coverage, pricing, and eligibility requirements. We assessed plans across four coverage categories:
Complete plans provide both prescription drug and dental coverage.
No dental plans do not include dental coverage.
No drug plans do not include prescription drug coverage.
High drug plans provide at least $90,000 in prescription drug coverage per year.
Plans were also grouped into three pricing tiers:
Basic plans offer the lowest level of coverage and the lowest premiums within a given product series.
Mid plans provide more coverage than basic plans, at a lower cost than premium plans.
Premium plans offer the highest or second-highest level of coverage and carry the highest or second-highest premiums within a product series.
Finally, we categorized plans based on eligibility requirements:
Guaranteed plans require permanent Canadian residency and enrollment in the public health insurance plan of the applicant’s home province.
Replacement plans have the same requirements as guaranteed plans, but are only available to applicants who are leaving, or have recently left (within the past year), an employer group benefits plan.
Underwritten plans share the requirements of guaranteed plans and may require applicants to complete a health questionnaire or undergo a medical exam.
We collected quotes for the eight most populous provinces: Alberta, British Columbia, Manitoba, New Brunswick, Nova Scotia, Ontario, Quebec, and Saskatchewan. Any premiums shown for “Canada” represent an average across these eight regions.
About age groups
Unlike life insurance, health and dental insurance premiums aren’t based on your exact age. Instead, health insurance providers sort applicants into 10 or more age groups with set prices, and age ranges can vary by provider.
To ensure fair and consistent pricing comparisons, we applied the following standardized definitions:
Children refers to age groups with a starting age closest to 0.
Adults refers to age groups with a starting age closest to 18.
Older adults refers to the age group immediately following the adult group.
Seniors refers to age groups with a starting age closest to 60.
All providers in our review offered age groups that exactly matched our definitions for children and seniors, allowing for precise pricing comparisons at ages 0 and 60. Among adult age groups, starting ages ranged from 18 to 21, while older adult groups ranged from 45 to 55.
About star ratings
Each product received a star rating out of five based on pricing, convenience, customer satisfaction, and coverage. Products offering convenient online quoting and purchasing options formed the baseline for inclusion in our review.
We compared the cost of each health and dental insurance plan to the industry average for comparable plans with the same coverage type, pricing tier, and eligibility requirements, within the same region and age group. Providers whose plans were priced below the industry average, on average, earned one star.
Providers with a Google Reviews score of 4.0 or higher earned an additional star. We also recognized individual products whose total coverage for prescription drugs, basic dental services, vision care, paramedical visits, mental health care, accidental dental services, and ambulance transportation exceeded the industry average by at least 10%.
About rankings
Rankings within each category are determined first by star rating (highest to lowest) and then by monthly premium (lowest to highest).
About categories
We created 26 “best of” categories to highlight the most popular types of coverage and to reflect the needs of modern Canadian families. Unless otherwise noted, rankings are based on quotes for adults and use the same ranking methodology.
The categories and their criteria are as follows:
Best health and dental insurance in Canada (and by province) includes all guaranteed mid-tier plans with complete coverage.
Best budget health and dental insurance in Canada (and by province) includes all guaranteed basic-tier plans with complete coverage.
Best high drug health insurance in Canada includes all guaranteed and underwritten plans with high drug coverage, including coverage for pre-existing prescriptions.
Best high-value health insurance in Canada (or best supplemental health insurance in Canada) includes all guaranteed premium-tier plans with complete coverage.
Best replacement health insurance in Canada includes all replacement mid-tier plans with complete coverage.
Best health insurance in Canada for families includes all guaranteed mid-tier plans with complete coverage, and shows the cost for a family with two adults and one child.
Best health insurance in Canada for freelancers includes all guaranteed and underwritten mid-tier plans with complete coverage, supplemented by the “Best for Freelancers” badge.
Best health insurance in Canada for kids includes all guaranteed and underwritten premium-tier plans with complete coverage for children.
Best health insurance in Canada for retirees includes all replacement premium-tier plans with complete coverage for older adults.
Best health insurance in Canada for seniors includes all guaranteed mid-tier plans for seniors with complete coverage (including pre-existing prescriptions), supplemented by the “Best for Seniors” badge.
About badges
Each product can earn up to seven badges based on a strict set of criteria:
Pre-existing prescriptions: Covers medications the policyholder was already taking, and/or medications for pre-existing medical conditions.
Great customer service: The provider has a Google Reviews rating of 4.0 or higher.
Flexible coverage: Paramedical coverage does not include per-visit or per-profession limits.
No wait for basic dental: No waiting period applies to claims for preventative dental checkups and services.
No drug deductible: No deductible applies to prescription drug coverage.
Great for freelancers: Overall, company premiums are lower than the industry average for comparable plans for adults and older adults in the same region, and the plan carries both the “flexible coverage” and “no drug deductible” badges.
Great for seniors: Overall, company premiums are lower than the industry average for comparable plans for seniors in the same region, and the plan carries the “pre-existing prescriptions,” “great customer service,” and “no drug deductible” badges.
Badges do not influence product rankings.
About premiums and cost comparisons
The premiums shown in this article are based on publicly available rates as of May 2026.
To ensure fair and accurate comparisons, we compared each individual quote against the industry average for plans with the same coverage type, pricing tier, and eligibility requirements, within the same region and age group.
For example, the cost of a guaranteed, basic plan with complete coverage for an adult in Saskatchewan is compared only to the industry average for guaranteed, basic plans with complete coverage for adults in Saskatchewan.
About coverage and total coverage comparisons
Our analysis examines the coverage provided by each plan across eight benefit categories during the first year of enrollment: prescription drugs, dental care, vision care, paramedical services, mental health services, accidental dental services, ground ambulance transportation, and air ambulance transportation.
In coverage summaries, we may note whether prescription drug coverage applies to generic drugs, brand-name drugs, birth control, cannabis, smoking cessation treatments, and weight-management medications. This should not be taken to mean that other types of medications (such as fertility and erectile dysfunction treatments) are excluded from coverage.
Similarly, because dental definitions and coverage limits vary by provider, readers should always consult their policy documents to confirm the specific dental services covered. For reference, preventative dental care generally includes routine services such as exams and cleanings, while restorative care typically covers treatments like fillings and extractions. Major dental services may include crowns and bridges, and orthodontic services commonly include braces.
To get an accurate picture of each plan’s value, we calculated the net amount of coverage provided by subtracting out-of-pocket costs (including deductibles, co-insurance, and co-payments) from stated coverage limits.
For example, if a plan reimburses 80% of eligible prescription drug costs up to $500 in the first year, the policyholder would pay $125 out of pocket ($500 divided by 80%, then minus $500). Therefore, the net value of the prescription drug benefit would be $375 ($500 minus $125).
Whenever we refer to a plan’s total amount of coverage, or compare it to the industry average, we mean the combined first-year coverage for prescription drugs, dental, vision, paramedical, mental health, accidental dental, and ambulance services, after subtracting any applicable out-of-pocket costs.
Disclaimer
PolicyMe’s findings are based on unaltered data and are free from paid placements or sponsored influence. While we strive to keep our information current, we cannot guarantee the accuracy of third-party data. These rankings are intended as a general reference and should not be considered a substitute for personalized financial or health advice.
Public health insurance in Canada provides healthcare services funded by the government, while private health insurance can be purchased individually or offered by an employer. Both forms of insurance provide access to essential medical services for Canadians, with private insurance often used to cover the gaps left by public plans.
Covered by your provincial plan
Needs private insurance
Hospital stays, surgeries, prescriptions administered within a hospital setting
Ambulance services, private medical transport, outpatient prescription drugs
Routine doctor’s visits, annual physical, urgent care clinics
Routine dental care, including cleaning and fillings (if not eligible for the CDCP)
Diagnostic tests, such as ultrasound, X-rays, CT scans, MRIs, bloodwork
Routine eye exams, including corrective lenses or eyewear (some provincial coverage may be available)
Maternity care, labour and delivery, paediatrics
Physiotherapy, massage therapy, and other paramedical services
Some surgical dental procedures, if performed in a hospital setting
Some mental health services, homecare, private nursing
This table is not exhaustive, and provinces vary in coverage. For example, Quebec and New Brunswick have broader public drug coverage than the other provinces. To know what’s covered where you live, check your province’s official health insurance website for details:
To learn more about Canada’s healthcare system, visit Canada.ca.
What’s the best health insurance in Canada?
The best health insurance plans for Canadian households are guaranteed acceptance plans with mid-tier coverage like PolicyMe’s Guaranteed Issue Classic or GreenShield’s ZONE 5 (Choice).
Why these plans? They typically offer more coverage than cheaper, budget-focused options, but they’re more affordably priced than premium health plans. When picking a health benefits plan, it’s best to aim for one with the highest level of coverage you’ll actually use — not an overloaded policy that has you paying for coverage you don’t need.
“Paramedical benefits and mental health services are underused and overlooked in all of our individual health plans. PolicyMe has some of the best coverage in the industry for these services.” - Jeremy Burbano, Licensed Insurance Advisor
Our top 5 picks are suitable for the majority of Canadians, including families, freelancers, contractors, individuals, and self-employed workers:
Rating
Company
Plan
Premiums1
★★★★★ (5.0)
PolicyMe
Guaranteed Issue Classic
$129/month
★★★★⯪ (4.5)
GMS
My Health Insurance (Tier 2)
$77/month
★★★★☆ (4.0)
GreenShield
ZONE 5 (Choice)
$138/month
★★★★☆ (4.0)
Manulife
ComboPlus Basic Plan
$123/month
★★★☆☆ (3.0)
Canada Life
Freedom to Choose Select Plus
$147/month
1 Premiums reflect the approximate monthly cost for a 30-year-old adult living in Canada.
Guaranteed Issue Classic by PolicyMe
Best for: Freelancers, couples, and young families with dependents who want strong all-around first-year coverage with no medical questions or waiting periods.
Our star ratings are based on a mix of pricing, convenience, customer satisfaction, and coverage. Five-star products offer online quotes, below-average pricing (averaged across all company plans), above-average total coverage, and a four-star rating or higher on Google Reviews.
Pre-existing prescriptions
Great customer service
Flexible coverage
No drug deductible
No wait for basic dental
Great for freelancers
32% more coverage
than industry average1
How coverage is compared
All coverage comparisons reflect the total amount of prescription drug, dental, vision, paramedical, mental health, accidental dental, and ambulance coverage versus the industry average for comparable plans.
Our expert take: The Guaranteed Issue Classic plan by PolicyMe
balances competitive premiums with above-average coverage, no waiting periods, and no medical questions asked. Better yet, it's flexible—there are no per-visit or per-profession limits on your paramedical or mental health coverage, providing exceptional value for the medical services you use most.
Pros
30-day money-back guarantee
Above-average dental, paramedical, and accidental dental coverage
Includes access to online health forums
No medical questionnaire required
Cons
Coverage limits for prescription drugs may be lower than some competing plans
No add-ons available
70% of generic prescription drugs (up to $600 per year)
Up to 80% of preventative, restorative, and major dental services (up to $750 per year)
100% of vision services every 2 years (up to $60 for eye exams and $250 for prescription lenses, frames, and laser surgery)
80% of visits to 9 paramedical professionals (up to $750 per year combined)
100% of visits to mental health professionals (up to $100 per visit and $800 combined per year)
100% of accidental dental services (up to $10,000 per year)
100% of ground and air ambulance transportation (unlimited)
1 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.
ZONE 5 (Choice) by GreenShield
Best for: Households that value bundled extras like telemedicine, virtual counseling, travel insurance, and hospital accommodation benefits.
GreenShield
Greenshield ZONE 5 (Choice)
(4.0)
How products are rated
Our star ratings are based on a mix of pricing, convenience, customer satisfaction, and coverage. Five-star products offer online quotes, below-average pricing (averaged across all company plans), above-average total coverage, and a four-star rating or higher on Google Reviews.
Great Customer Service
No drug deductible
No wait for basic dental
20% more coverage
than industry average1
How coverage is compared
All coverage comparisons reflect the total amount of prescription drug, dental, vision, paramedical, mental health, accidental dental, and ambulance coverage versus the industry average for comparable plans.
ZONE 5 by GreenShield is best-suited to seniors and retirees with existing drug coverage, either through public or group health insurance. Its generous accidental dental and included travel insurance make it great for travellers, too.
Pros
Below-average premiums for older adults and seniors
Includes access to GreenShield Pharmacy, 4 hours of virtual counselling through GreenShield Mental Health, and 4 virtual visits per year through GreenShield Telemedicine
Includes travel insurance and semi-private or private hospital accommodations
Cons
Coverage limits may be lower than some competing plans
90% of generic and birth control prescription drugs (up to $5,000 per year)
Up to 80% of preventative, restorative, and major dental services (up to $700 per year)
100% of vision services every 2 years (up to $100 for eye exams and $150 for prescription lenses, frames, and laser surgery)
100% of visits to 8 paramedical professionals (up to $45 per visit and $500 per profession)
100% of visits to mental health professionals (up to $500 combined per year)
100% of accidental dental services (up to $10,000 per year)
100% of ground and air ambulance transportation (unlimited)
1 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.
My Health Insurance (Tier 2) by GMS
Best for: Budget-conscious Canadians who want a straightforward core healthcare plan at a lower monthly cost.
GMS
My Health Insurance (Tier 2)
(4.5)
How products are rated
Our star ratings are based on a mix of pricing, convenience, customer satisfaction, and coverage. Five-star products offer online quotes, below-average pricing (averaged across all company plans), above-average total coverage, and a four-star rating or higher on Google Reviews.
Flexible coverage
32% less coverage
than industry average1
How coverage is compared
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.
The My Health Insurance (Tier 2) plan by GMS is a solid option with per-practitioner maximums and no coinsurance on health and drug benefits. It adds modest travel insurance for trips up to 30 days and covers major dental services, including some restorative work. A stand-out benefit is its paramedical services: 100% coverage across nine specialties, capped at $350 per practitioner per year.
Pros
4 optional add-ons available
Above-average vision and mental health coverage
Direct billing and online claims
Includes access to the GMS Care Network
Includes travel insurance
Cons
$6 deductible per prescription
3-month waiting period may apply for dental care
Below-average prescription drug, dental, and accidental dental coverage
Not available in New Brunswick, Nunavut, or Quebec
100% of generic and birth control prescription drugs (up to $1,000 per year) with a maximum co-payment of $6 per prescription
80% of preventative and basic dental services and 50% of major dental services (up to $500 in Year 1)
100% of vision services every 2 years (up to $300 for eye exams and up to $150 for prescription lenses and frames)
100% of visits to 9 paramedical professionals (up to $350 per practitioner discipline per year, up to $3,150 total across all nine)
100% of visits to mental health professionals (up to $100 per visit and 10 visits combined per year)
100% of accidental dental services (up to $5,000 per injury)
100% of ground ambulance transportation (up to $1,500 per year) and 100% of air ambulance transportation (unlimited)
ComboPlus Basic Plan by Manulife
Best for: Canadians who prefer a national insurer and basic entry-level coverage.
Manulife
Manulife ComboPlus Basic Plan
(4.0)
How products are rated
Our star ratings are based on a mix of pricing, convenience, customer satisfaction, and coverage. Five-star products offer online quotes, below-average pricing (averaged across all company plans), above-average total coverage, and a four-star rating or higher on Google Reviews.
Pre-existing prescriptions
No drug deductible
No wait for basic dental
42% less coverage
than industry average1
How coverage is compared
All coverage comparisons reflect the total amount of prescription drug, dental, vision, paramedical, mental health, accidental dental, and ambulance coverage versus the industry average for comparable plans.
Manulife'sComboPlus Basic Plan is a highly customizable mid-tier product that may be a good match for families with children or those in need of additional mental health coverage. Unfortunately, its drug coverage is below average, and its dental coverage rate drops to 50% after the first $400 in eligible expenses.
Pros
7 optional add-ons available
Above-average mental health coverage
Below-average premiums for children
Includes access to TELUS Health Virtual Care and survivor benefit
Includes accidental death and dismemberment insurance and travel insurance
Cons
Coverage limits for prescription drugs may be lower than some competing plans
High out-of-pocket dental costs
70% of generic prescription drugs (up to $5,000 per year)
Up to 80% of preventative and restorative 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)
60% of visits to 8 paramedical professionals (up to $500 per profession and $4000 per year combined)
100% of visits to mental health professionals (up to $65 per visit and 15 visits combined per year)
100% of accidental dental services (up to $2,000 per year)
100% of ground and air ambulance transportation (unlimited)
1 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.
Freedom to Choose Select Plus by Canada Life
Best for: People willing to pay more for higher overall coverage limits and broader benefit depth.
Canada Life
Canada Life Freedom to Choose Select Plus
(3.0)
How products are rated
Our star ratings are based on a mix of pricing, convenience, customer satisfaction, and coverage. Five-star products offer online quotes, below-average pricing (averaged across all company plans), above-average total coverage, and a four-star rating or higher on Google Reviews.
No drug deductible
66% more coverage
than industry average1
How coverage is compared
All coverage comparisons reflect the total amount of prescription drug, dental, vision, paramedical, mental health, accidental dental, and ambulance coverage versus the industry average for comparable plans.
Freedom to Choose Select Plus by Canada Life is an overall excellent option, if a little pricey. It offers generous prescription drug and paramedical coverage, although the former doesn’t cover pre-existing conditions or prescriptions, and the latter is limited by a $40 per-visit cap. Young applicants looking for protection against a pricey diagnosis can’t do better, but they can find cheaper.
Pros
31-day missed payment grace period
20% off at Rexall with Preferred Perks
Above-average drug, dental, and vision coverage
Below-average premiums for children
Includes second opinion services from Teledoc Medical Experts
Cons
3-month dental waiting period
Above-average premiums for adults and seniors
80% of generic, birth control, cannabis, and other prescription drugs (up to $10,000 per year)
Up to 80% of preventative and restorative dental services (up to $750 per year)
100% of vision services every 2 years (up to $75 for eye exams and $200 for prescription lenses, frames, and laser surgery)
100% of visits to 10 paramedical professionals (up to $40 per visit and $400 per profession)
100% of visits to mental health professionals (up to $40 per visit and 10 visits combined per year)
100% of accidental dental services (unlimited)
100% of ground and air ambulance transportation (unlimited)
1 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.
What’s the most affordable health insurance in Canada?
More affordable health insurance plans typically balance lower premiums with less robust coverage. For a 30-year-old Canadian seeking prescription drug and dental coverage, health insurance costs an average of $108–$204/month with no medical questions asked. The average cost of health insurance for kids starts at $48/month, while the cheapest health insurance in Canada for seniors averages $147/month.
Rating
Company
Plan
Premiums*
Coverage**
★★★★☆ (4.0)
Sun Life
Personal Health Insurance Basic Plan
$54/month
37% below industry average
★★★☆☆ (3.0)
GreenShield
ZONE 1 (Elementary)
$45/month
39% above industry average
★★★⯪☆ (3.5)
GMS
My Health Insurance (Tier 1)
$48/month
54% below industry average
★★★☆☆ (3.0)
GreenShield
ZONE 2 (Primary)
$90/month
41% above industry average
★★★★★ (5.0)
PolicyMe
Economic
$111/month
24% above industry average
* Premiums reflect the approximate monthly cost for a 30-year-old adult living in Canada. ** 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.
See how affordable highly rated health insurance can be.
Best for: Canadians in search of well-rounded healthcare coverage at a low price.
Sun Life
Personal Health Insurance Basic Plan
(4.0)
How products are rated
Our star ratings are based on a mix of each provider's financial stability and Google Review scores, and each product's pricing and ease of purchase.
Pre-existing prescriptions
No drug deductible
37% less coverage
than industry average
How prices are compared
We compared each product's yearly costs to the average cost of similar products for the same type of applicant. Unless otherwise noted, all figures show the approximate price difference for a female non-smoker aged 30-44 shopping for a term life insurance policy with $600,000 in coverage, or a permanent or no medical life insurance policy with $50,000 in coverage.
Sun Life’s Personal Health Insurance Basic Plan keeps costs low across multiple coverage areas thanks to a low reimbursement rate. This allows your plan to cover more than half of your healthcare costs without racking up steep premiums.
Pros
10-day free-look period
1 optional add-on available
Cons
3-month dental waiting period
No vision coverage
No restorative dental coverage
60% of generic prescription drugs (up to $750 per year)
Up to 60% of preventative dental services (up to $500 per year)
60% of visits to 9 paramedical professionals (up to $25 per visit and $250 per profession)
60% of visits to mental health professionals (up to $35 per visit and $500 combined per year)
60% of accidental dental services (up to $2,000 per injury)
60% of ground and air ambulance transportation (unlimited)
GreenShield ZONE 1 (Elementary)
Best for: Canadians with minimal healthcare needs in search of a budget medical insurance plan with paramedical and travel insurance.
GreenShield
ZONE 1 (Elementary)
(3.0)
How products are rated
Our star ratings are based on a mix of each provider's financial stability and Google Review scores, and each product's pricing and ease of purchase.
39% more coverage
than industry average
How prices are compared
We compared each product's yearly costs to the average cost of similar products for the same type of applicant. Unless otherwise noted, all figures show the approximate price difference for a female non-smoker aged 30-44 shopping for a term life insurance policy with $600,000 in coverage, or a permanent or no medical life insurance policy with $50,000 in coverage.
The cheapest plan in our analysis, ZONE 1 by GreenShield is a basic health insurance policy with no drug or dental coverage. On the plus side, its paramedical coverage is quite generous, making it suitable for the young and healthy who want to play sports and travel with some health insurance in their back pocket.
Pros
Below-average premiums for all ages
Includes access to GreenShield Pharmacy, 4 hours of virtual counselling through GreenShield Mental Health, and 4 virtual visits per year through GreenShield Telemedicine
Includes travel insurance
Cons
Coverage limits for vision and mental health may be lower than some competing plans
No drug or dental coverage
100% of vision services every 2 years (up to $65 for eye exams and $150 for prescription lenses, frames, and laser surgery)
100% of visits to 8 paramedical professionals (up to $20 per visit and $300 per profession)
100% of visits to mental health professionals (up to $300 combined per year)
100% of accidental dental services (up to $5,000 per year)
100% of ground and air ambulance transportation (unlimited)
My Health Insurance (Tier 1) by GMS
Best for: Canadians who want a low-premium starter plan with flexible add-ons for drugs, dental, travel, or hospital coverage as needs grow.
GMS
My Health Insurance (Tier 1)
(3.5)
How products are rated
Our star ratings are based on a mix of pricing, convenience, customer satisfaction, and coverage. Five-star products offer online quotes, below-average pricing (averaged across all company plans), above-average total coverage, and a four-star rating or higher on Google Reviews.
Flexible coverage
54% less coverage
than industry average2
How coverage is compared
All coverage comparisons reflect the total amount of prescription drug, dental, vision, paramedical, mental health, accidental dental, and ambulance coverage versus the industry average for comparable plans.
GMS' My Health Insurance (Tier 1) offers mental health, eye exam coverage, and orthotics — a rare find among basic plans. Plus, there’s a flexible combined max for health practitioners and mental health care. But be on the lookout for limited dental coverage and no pre-existing coverage for drugs.
Pros
4 optional add-ons available
Above-average dental, vision, and mental health coverage
Direct billing and online claims
Includes access to the GMS Care Network
Includes travel insurance
Cons
$6 deductible per prescription
3-month waiting period may apply for dental care
Below-average prescription drug, paramedical, and accidental dental coverage
No prescription eyewear coverage
Not available in New Brunswick, Nunavut, or Quebec
100% of generic and birth control prescription drugs (up to $300 per year) with a maximum co-payment of $6 per prescription
Up to 50% of preventative and major dental services (up to $500 per year)
70% of visits to 9 paramedical professionals (up to $250 per year combined)
100% of accidental dental services (up to $2,000 per injury)
100% of ground ambulance transportation (up to $1,000 per year) and 100% of air ambulance transportation (up to $10,001 per injury)
GreenShield ZONE 2 (Primary)
Best for: Young, active Canadians seeking affordable health insurance plans with good coverage for routine wellness services like dental and paramedical care.
GreenShield
ZONE 2 (Primary)
(3.0)
How products are rated
Our star ratings are based on a mix of each provider's financial stability and Google Review scores, and each product's pricing and ease of purchase.
No wait for basic dental
41% more coverage
than industry average
How prices are compared
We compared each product's yearly costs to the average cost of similar products for the same type of applicant. Unless otherwise noted, all figures show the approximate price difference for a female non-smoker aged 30-44 shopping for a term life insurance policy with $600,000 in coverage, or a permanent or no medical life insurance policy with $50,000 in coverage.
Like ZONE 1, ZONE 2 by GreenShield is a fairly bare-bones no-drug health insurance plan. Its paramedical coverage is its best feature for services like physiotherapy or visits to a chiropractor, and it's a decent pick for young, active students who play sports and travel.
Pros
Above-average dental and paramedical coverage
Includes access to GreenShield Pharmacy, 4 hours of virtual counselling through GreenShield Mental Health, and 4 virtual visits per year through GreenShield Telemedicine
Includes travel insurance
Cons
Above-average premiums for all ages based on coverage
Up to 80% of preventative and restorative dental services (up to $500 per year)
100% of vision services every 2 years (up to $65 for eye exams and $150 for prescription lenses, frames, and laser surgery)
100% of visits to 8 paramedical professionals (up to $20 per visit and $300 per profession)
100% of visits to mental health professionals (up to $300 combined per year)
100% of accidental dental services (up to $5,000 per year)
100% of ground and air ambulance transportation (unlimited)
Guaranteed Issue Economic by PolicyMe
Best for: Singles, seniors, or self-employed Canadians who want lower premiums without sacrificing core drug, dental, and vision benefits.
Our star ratings are based on a mix of pricing, convenience, customer satisfaction, and coverage. Five-star products offer online quotes, below-average pricing (averaged across all company plans), above-average total coverage, and a four-star rating or higher on Google Reviews.
Pre-existing prescriptions
Great customer service
Flexible coverage
No drug deductible
No wait for basic dental
Great for freelancers
24% more coverage
than industry average
How coverage is compared
All coverage comparisons reflect the total amount of prescription drug, dental, vision, paramedical, mental health, accidental dental, and ambulance coverage versus the industry average for comparable plans.
If you don't have many prescription drug expenses, PolicyMe's Guaranteed Issue Economic plan offers a great deal on dental, vision, and mental health coverage. Unlike many budget plans, you can spend your paramedical coverage with no per-visit or per-profession limits. Plus, you'll receive $10,000 of accidental dental and unlimited ambulance coverage per year.
Pros
30-day money-back guarantee
Above-average dental, vision, mental health, and accidental dental coverage
Includes access to online health forums
No medical questionnaire required
Cons
Coverage limits for prescription drugs may be lower than some competing plans
No add-ons available
70% of generic prescription drugs (up to $500 per year)
Up to 70% of preventative dental services (up to $500 per year)
100% of vision services every 2 years (up to $60 for eye exams and $200 for prescription lenses, frames, and laser surgery)
50% of visits to 9 paramedical professionals (up to $600 per year combined)
100% of visits to mental health professionals (up to $75 per visit and $500 combined per year)
100% of accidental dental services (up to $10,000 per year)
100% of ground and air ambulance transportation (unlimited)
2 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.
What’s the best high-drug health insurance in Canada?
Sun Life’s Personal Health Insurance Standard Plan offers the best high-drug health insurance in Canada. While this coverage doesn’t typically include pre-existing prescriptions, it provides financial protection (and peace of mind) from expensive treatments for cancer, hepatitis C, leukemia, and other conditions.
High-drug health insurance also often involves underwriting. In other words, the price depends on your age and how you answer the medical questions during your application, and you could pay higher health insurance rates than the ones listed below:
Rating
Company
Plan
Premiums1
Total coverage2
★★★★☆ (4.0)
Sun Life
Personal Health Insurance Standard Plan with Preventive Dental
$95/month
N/A
★★★★☆ (4.0)
Sun Life
Personal Health Insurance Enhanced Plan with Preventive, Restorative, and Orthodontic Dental
$121/month
2% above industry average
★★★☆☆ (3.0)
Canada Life
Freedom to Choose Select Elite
$192/month
3% below industry average
1 Premiums reflect the approximate monthly cost for a 30-year-old adult living in Canada. 2 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.
Best premium health insurance plans in Canada
PolicyMe’s Guaranteed Issue Advanced is the best premium medical insurance plan in Canada, with surprisingly affordable rates for a high-coverage policy. The plan covers a wide range of medical conditions and health needs, from routine prescriptions to major dental procedures, orthodontics, and medical equipment.
High-value health insurance plans provide the most generous and comprehensive benefits available, making them excellent supplemental health plans for those who want more medical care than their employment benefits provide.
These premium medical insurance plans generally come with premium price tags, but PolicyMe’s Guaranteed Issue Advanced bucks the trend without skimping on coverage:
Rating
Company
Plan
Premiums1
Total coverage2
★★★★★ (5.0)
PolicyMe
Guaranteed Issue Advanced
$173/month
11% above industry average
★★★★☆ (4.0)
GMS
OmniPlan
$196/month
5% below industry average
★★★★☆ (4.0)
Manulife
Guaranteed Issue Enhanced
$252/month
1% above industry average
1 Premiums reflect the approximate monthly cost for a 30-year-old adult living in Canada. 2 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.
Guaranteed Issue Advanced by PolicyMe
Best for: Families with heavy healthcare needs who want richer dental, vision, and mental health benefits at a competitive premium-tier price.
Our star ratings are based on a mix of pricing, convenience, customer satisfaction, and coverage. Five-star products offer online quotes, below-average pricing (averaged across all company plans), above-average total coverage, and a four-star rating or higher on Google Reviews.
Pre-existing prescriptions
Great customer service
Flexible coverage
No drug deductible
No wait for basic dental
Great for freelancers
11% more coverage
than industry average2
How coverage is compared
All coverage comparisons reflect the total amount of prescription drug, dental, vision, paramedical, mental health, accidental dental, and ambulance coverage versus the industry average for comparable plans.
PolicyMe's Guaranteed Issue Advanced plan is one of the most affordable premium health insurance products on the market. Its dental, vision, and mental health coverage exceed the industry average by as much as 42%, and there are no per-visit or per-profession limits on how you claim your paramedical benefits.
Pros
30-day money-back guarantee
Above-average dental, vision, and mental health coverage
Below-average premiums for adults and seniors
Includes access to online health forums
No medical questionnaire required
Cons
Above-average premiums for children
70% of generic prescription drugs (up to $700 per year)
Up to 90% of preventative, restorative, major, and orthodontic dental services (up to $800 per year)
100% of vision services every 2 years (up to $100 for eye exams and $400 for prescription lenses, frames, and laser surgery)
80% of visits to 9 paramedical professionals (up to $1000 per year combined)
100% of visits to mental health professionals (up to $100 per visit and $1300 combined per year)
100% of accidental dental services (up to $10,000 per year)
100% of ground and air ambulance transportation (unlimited)
My Health Insurance (Tier 3) by GMS
Best for: Professionals or families who want premium-level supplemental coverage with broad benefits and are willing to pay more for it.
GMS
My Health Insurance (Tier 3)
(4.0)
How products are rated
Our star ratings are based on a mix of pricing, convenience, customer satisfaction, and coverage. Five-star products offer online quotes, below-average pricing (averaged across all company plans), above-average total coverage, and a four-star rating or higher on Google Reviews.
Pre-existing prescriptions
5% less coverage
than industry average
How coverage is compared
All coverage comparisons reflect the total amount of prescription drug, dental, vision, paramedical, mental health, accidental dental, and ambulance coverage versus the industry average for comparable plans.
The fully-loaded My Health Insurance (Tier 3) plan from GMS offers excellent paramedical benefits, mental health coverage, accidental dental coverage, higher ambulance and air ambulance coverage. With Tier 3, you get a personal spending account for drug coverage at tier 3, and you can even use it for over-the-counter and self-prescribed drugs.
Pros
4 optional add-ons available
Above-average vision, paramedical, and mental health coverage
Coverage for over-the-counter drugs
Direct billing and online claims
Includes access to the GMS Care Network
Includes travel insurance
Cons
$6 deductible per prescription
3-month waiting period may apply for dental care
Below-average drug and dental coverage
Not available in New Brunswick, Nunavut, or Quebec
100% of generic, birth control, and other prescription drugs (up to $3,500 per year) with a maximum co-payment of $6 per prescription
Up to 80% of preventative and major dental services (up to $600 per year)
100% of vision services every 2 years (up to $300 for eye exams and $250 for prescription lenses and frames)
100% of visits to 9 paramedical professionals (up to $500 per profession and $4,500 per year combined)
100% of visits to mental health professionals (up to $100 per visit and 15 visits combined per year)
100% of accidental dental services (up to $10,000 per injury)
100% of ground ambulance transportation (up to $2,000 per year) and 100% of air ambulance transportation (up to $10,001 per injury)
Guaranteed Issue Enhanced by Manulife
Best for: People loyal to Manulife who want stronger premium-tier protection and more comprehensive coverage than the basic option.
Manulife
Manulife Guaranteed Issue Enhanced
(4.0)
How products are rated
Our star ratings are based on a mix of pricing, convenience, customer satisfaction, and coverage. Five-star products offer online quotes, below-average pricing (averaged across all company plans), above-average total coverage, and a four-star rating or higher on Google Reviews.
Pre-existing prescriptions
Flexible coverage
No drug deductible
No wait for basic dental
Great for freelancers
1% more coverage
than industry average2
How coverage is compared
All coverage comparisons reflect the total amount of prescription drug, dental, vision, paramedical, mental health, accidental dental, and ambulance coverage versus the industry average for comparable plans.
Manulife's Guaranteed Issue Enhanced is an extremely competitive choice in Quebec, but carries a premium price tag in most other provinces. Coverage levels vary by category and may differ from other premium-tier plans.
Pros
Below-average premiums for children
Includes diagnostic services (Quebec only)
Includes survivor benefit, discounted TELUS home services, and access to TELUS Health Virtual Care
Includes accidental death and dismemberment insurance, hospital cash benefit, and travel insurance
Cons
Above-average premiums for adults and seniors (except in Quebec)
Coverage limits may be lower than some competing plans
Ambulance coverage applies only in home province
80% of generic, birth control, smoking cessation, weight loss, and other prescription drugs (up to $2500 per year)
Up to 80% of preventative and restorative dental services (up to $450 per year)
100% of vision services every 2 years (up to $60 for eye exams and $200 for prescription lenses, frames, and laser surgery)
80% of visits to 10 paramedical professionals (up to $500 per year combined)
100% of visits to mental health professionals (up to $45 per visit and 10 visits combined per year)
100% of accidental dental services (up to $10,000 per year)
100% of ground and air ambulance transportation (unlimited)
2 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.
What’s the best no-dental health insurance in Canada?
No-dental health insurance plans like GreenShield’s ZONE 4 can act as supplemental benefits for people with employer group health benefits, or a general plan for seniors with dental coverage through public health insurance. Regardless, the individual health insurance plans below offer customers a chance to save money by coordinating their existing benefits:
Rating
Company
Plan
Premiums1
Total coverage2
★★★★☆ (4.0)
GreenShield
ZONE 4
$77/month
14% above industry average
★★★★☆ (4.0)
Manulife
FollowMe Basic
$91/month
22% below industry average
★★★☆☆ (3.0)
Canada Life
Freedom to Choose Guaranteed
$135/month
N/A
1 Premiums reflect the approximate monthly cost for a 30-year-old adult living in Canada. 2 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.
What’s the best no-drug health insurance in Canada?
PolicyMe’s Dental Care is the best private healthcare plan without prescription drug coverage in Canada, thanks to a combination of robust dental coverage and affordable premiums.
No-drug plans can be the perfect health insurance in provinces like Quebec or New Brunswick, where public health insurance covers a significant portion of prescription medicine costs, or for seniors over 65, who often receive prescription drug coverage through provincial plans.
1 Premiums reflect the approximate monthly cost for a 30-year-old adult living in Canada. 2 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.
Dental Care by PolicyMe
Best for: Families or individuals who already have prescription drug coverage elsewhere and who need standalone dental-focused protection.
Our star ratings are based on a mix of pricing, convenience, customer satisfaction, and coverage. Five-star products offer online quotes, below-average pricing (averaged across all company plans), above-average total coverage, and a four-star rating or higher on Google Reviews.
Great customer service
Flexible coveragge
No wait for basic dental
42% more coverage
than industry average2
How coverage is compared
All coverage comparisons reflect the total amount of prescription drug, dental, vision, paramedical, mental health, accidental dental, and ambulance coverage versus the industry average for comparable plans.
PolicyMe's Dental Care Plan is ideal for individuals, families, and seniors 65+ with existing prescription drug coverage. It exceeds the industry average for dental coverage by 22%, and its paramedical coverage has no per-visit or per-profession limits.
Pros
30-day money-back guarantee
Above-average dental, vision, and mental health coverage
Includes access to online health forums
No medical questionnaire required
Cons
No add-ons available
Up to 80% of preventative, restorative, and major dental services (up to $750 per year)
100% of vision services every 2 years (up to $60 for eye exams and $250 for prescription lenses, frames, and laser surgery)
80% of visits to 9 paramedical professionals (up to $750 per year combined)
100% of visits to mental health professionals (up to $100 per visit and $800 combined per year)
100% of accidental dental services (up to $10,000 per year)
100% of ground and air ambulance transportation (unlimited)
ZONE 3 by GreenShield
Best for: Canadians who have workplace or provincial drug coverage but want affordable dental, vision, travel, and paramedical benefits.
GreenShield
GreenShield ZONE 3
(4.0)
How products are rated
Our star ratings are based on a mix of pricing, convenience, customer satisfaction, and coverage. Five-star products offer online quotes, below-average pricing (averaged across all company plans), above-average total coverage, and a four-star rating or higher on Google Reviews.
Great customer service
No wait for basic dental
10% more coverage
than industry average2
How coverage is compared
All coverage comparisons reflect the total amount of prescription drug, dental, vision, paramedical, mental health, accidental dental, and ambulance coverage versus the industry average for comparable plans.
ZONE 3 by GreenShield is a no-drug health insurance plan whose best feature is its paramedical coverage. It's best-suited to seniors 65+ with access to prescription drugs through their provincial healthcare program, and who visit a variety of paramedical practitioners each year.
Pros
Above-average paramedical coverage
Below-average premiums for adults and seniors
Includes access to GreenShield Pharmacy, 4 hours of virtual counselling through GreenShield Mental Health, and 4 virtual visits per year through GreenShield Telemedicine
Includes travel insurance
Cons
Above-average premiums for children
Coverage limits for mental health may be lower than some competing plans
Up to 80% of preventative, restorative, and major dental services (up to $600 per year)
100% of vision services every 2 years (up to $65 for eye exams and $150 for prescription lenses, frames, and laser surgery)
100% of visits to 8 paramedical professionals (up to $20 per visit and $400 per profession)
100% of visits to mental health professionals (up to $400 combined per year)
100% of accidental dental services (up to $5,000 per year)
100% of ground and air ambulance transportation (unlimited)
EssentialPlan by GMS
Best for: Self-employed Canadians, retirees, or families who want basic everyday insurance but have minimal prescription needs.
GMS
EssentialPlan
(4.0)
How products are rated
Our star ratings are based on a mix of pricing, convenience, customer satisfaction, and coverage. Five-star products offer online quotes, below-average pricing (averaged across all company plans), above-average total coverage, and a four-star rating or higher on Google Reviews.
Flexible coverage
52% less coverage
than industry average
How coverage is compared
All coverage comparisons reflect the total amount of prescription drug, dental, vision, paramedical, mental health, accidental dental, and ambulance coverage versus the industry average for comparable plans.
EssentialPlan by GMS is a no-frills, straightforward plan ideal for Canadians seeking cost-effective coverage. The tradeoffs for lower premiums? No prescription drug coverage, a 50% dental reimbursement rate, and little mental health or vision coverage.
Pros
2 optional add-ons available
Direct billing and online claims
Includes access to the GMS Care Network
Includes preferred hospital accommodations
Cons
50% coverage for paramedical services
No prescription drug coverage
Not available in New Brunswick, Nunavut, or Quebec
Up to 80% of preventative and major dental services (up to $1,000 per year)
100% of vision services every 2 years (up to $100 for eye exams and up to $100 for prescription lenses and frames)
50% of visits to 9 paramedical professionals (up to $500 per year combined)
100% of visits to mental health professionals (up to $65 per visit and 5 visits combined per year)
100% of accidental dental services (up to $2,000 per injury)
100% of ground ambulance transportation (up to $4,001 per year) and 100% of air ambulance transportation (up to $10,001 per injury)
2 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.
Best health insurance for Canadians leaving workplace benefits
If you’ve just lost access to group benefits from a job you left (whether voluntarily or involuntarily), replacement healthcare policies like PolicyMe’s Protect plans are your best option.
In addition to permanent residency and enrollment in public health care, replacement medical insurance requires you to be leaving (or have recently left) a group plan. No need to quit your job—PolicyMe’s Protect plans are available to those with an existing replacement health insurance plan, graduating post-secondary students, and more.
Regardless of whether you’re newly self-employed or newly retired, replacement health insurance plans are often the best deals. PolicyMe’s Protect Classic adds hospital accommodations to the Classic package:
Rating
Company
Plan
Premiums*
Coverage**
★★★★★ (5.0)
PolicyMe
Protect Classic
$172/month
16% above industry average
★★★★☆ (4.0)
Manulife
FollowMe Enhanced Plus
$170/month
17% below industry average
★★★★☆ (4.0)
GMS
ChoicePlan
$176/month
19% below industry average
★★★★☆ (4.0)
Sun Life
Health Choice B with Dental
$198/month
51% below industry average
★★★☆☆ (3.0)
GreenShield
LINK 3
$226/month
26% above industry average
1 Premiums reflect the approximate monthly cost for a 30-year-old adult living in Canada. 2 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.
Is health insurance tax-deductible?
Health insurance can be tax-deductible if you use it to claim the Medical Expense Tax Credit (METC) as an individual, or claim it as a business expense as a self-employed worker or business owner. Limits and exclusions apply, so make sure to read the CRA’s official page carefully.
Protect Classic by PolicyMe
Best for: Canadians leaving workplace benefits, becoming self-employed, or retiring who need immediate everyday benefits.
Our star ratings are based on a mix of pricing, convenience, customer satisfaction, and coverage. Five-star products offer online quotes, below-average pricing (averaged across all company plans), above-average total coverage, and a four-star rating or higher on Google Reviews.
Pre-existing prescriptions
Great customer service
Flexible coverage
No drug deductible
No wait for basic dental
Great for freelancers
11% more coverage
than industry average2
How coverage is compared
All coverage comparisons reflect the total amount of prescription drug, dental, vision, paramedical, mental health, accidental dental, and ambulance coverage versus the industry average for comparable plans.
Replacement health insurance plans typically offer the most value, and PolicyMe's Protect Classic is no exception. It offers competitive pricing and flexible paramedical coverage, so you can focus on the services that matter to you. The deal gets better with age, as dental coverage grows to $900 in year two, and covers major services in year three.
Pros
30-day money-back guarantee
Above-average prescription drug, vision, and mental health coverage
Below-average premiums for all ages
Includes access to online health forums
Includes semi-private hospital accommodations and access to online health forums
No medical questionnaire required
Cons
Below-average dental coverage in Year 1
No add-ons available
80% of generic prescription drugs (up to $1,600 per year)
Up to 80% of preventative, restorative, and major dental services (up to $750 per year)
100% of vision services every 2 years (up to $60 for eye exams and $250 for prescription lenses, frames, and laser surgery)
80% of visits to 9 paramedical professionals (up to $750 per year combined)
100% of visits to mental health professionals (up to $100 per visit and $800 combined per year)
100% of accidental dental services (up to $10,000 per year)
100% of ground and air ambulance transportation (unlimited)
FollowMe Enhanced Plus by Manulife
Best for: Canadians losing workplace benefits who want guaranteed acceptance plus strong prescription drug coverage and dental benefits.
Manulife
FollowMe Enhanced Plus
(4.0)
How products are rated
Our star ratings are based on a mix of pricing, convenience, customer satisfaction, and coverage. Five-star products offer online quotes, below-average pricing (averaged across all company plans), above-average total coverage, and a four-star rating or higher on Google Reviews.
Pre-existing prescriptions
Flexible coverage
No drug deductible
No wait for basic dental
Great for freelancers
17% less coverage
than industry average2
How coverage is compared
All coverage comparisons reflect the total amount of prescription drug, dental, vision, paramedical, mental health, accidental dental, and ambulance coverage versus the industry average for comparable plans.
Manulife's Enhanced Plus health insurance plan offers a competitive price tag and benefits, although its dental coverage is less robust than some competitors. The good news: your dental benefits increase in Year 3, but accidental benefits remain below-average.
If you're active or you have young kids, PolicyMe's Protect Classic excellent accidental dental protection for a competitive price.
Pros
2 optional add-ons available
Above-average drug coverage
Below-average premiums for all ages
Includes diagnostic services (Quebec only)
Includes fracture benefit, survivor benefit, and access to TELUS Health Virtual Care
Includes accidental death and dismemberment insurance and semi-private hospital accommodations
Cons
Below-average dental and accidental dental coverage
80% of generic, brand-name, and diabetic prescription drugs (up to $1,500 per year)
Up to 80% of preventative and restorative dental services (up to $700 per year)
100% of vision services every 2 years (up to $60 for eye exams and $200 for prescription lenses, frames, and laser surgery)
100% of visits to 9 paramedical professionals (up to $0 per visit and $0 per profession)
100% of visits to mental health professionals (up to $65 per visit and 10 visits combined per year)
100% of accidental dental services (up to $2,500 per year)
100% of ground and air ambulance transportation (unlimited)
ChoicePlan by GMS
Best for: Canadians who want balanced mid-range coverage with prescription, dental, and paramedical coverage with guaranteed acceptance.
GMS
ChoicePlan
(4.0)
How products are rated
Our star ratings are based on a mix of pricing, convenience, customer satisfaction, and coverage. Five-star products offer online quotes, below-average pricing (averaged across all company plans), above-average total coverage, and a four-star rating or higher on Google Reviews.
53% less coverage
than industry average2
How coverage is compared
All coverage comparisons reflect the total amount of prescription drug, dental, vision, paramedical, mental health, accidental dental, and ambulance coverage versus the industry average for comparable plans.
GMS’s mid-tier replacement plan, Choiceplan, offers guaranteed acceptance and easy enrollment for retirees and those who are newly self-employed. What we like best about GMS' ChoicePlan is its competitive pricing and flexible paramedical coverage, but it carries below-average vision and paramedical service coverage.
Pros
Guaranteed acceptance
2 optional add-ons available
Above-average dental coverage
Below-average premiums for all ages
Direct billing and online claims
Includes access to the GMS Care Network
Includes preferred hospital accommodations and travel insurance
Cons
Below-average vision and paramedical coverage
Maximum of $65 per visit for 10 visits to mental health professionals
Not available in New Brunswick, Nunavut, or Quebec
80% drug coverage (up to $1,250 per year)
80% of preventative and basic and 50% of major dental services (up to $1,250 per year)
$150 for vision per two years, including one eye exam every two years
80% of visits to paramedical professionals (up to $600 combined maximum per year)
$65 per visit to mental health professionals (up to 10 visits per year)
Accidental dental services (up to $2,000 per injury)
100% of ground ambulance transportation (up to $4,001) and air ambulance transportation (up to $10,001)
2 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 Choice B with Dental by Sun Life
Best for: People who want mid-to-high prescription drug coverage, emergency travel medical, and optional dental coverage without paying the highest cost.
Sunlife
Health Choice B with Dental
(4.0)
How products are rated
Our star ratings are based on a mix of pricing, convenience, customer satisfaction, and coverage. Five-star products offer online quotes, below-average pricing (averaged across all company plans), above-average total coverage, and a four-star rating or higher on Google Reviews.
Pre-existing prescriptions
No drug deductible
No wait for basic dental
51% less coverage
than industry average2
How coverage is compared
All coverage comparisons reflect the total amount of prescription drug, dental, vision, paramedical, mental health, accidental dental, and ambulance coverage versus the industry average for comparable plans.
Sun Life's Health Choice B (with Dental) stands out for its prescription drug and emergency travel medical coverage, although its optional dental insurance is subject to fairly strict limits. Note, too, that air ambulance coverage only applies in your home province, where it's subsidized for $0-$900 per trip.
Pros
10-day free-look period
1 optional add-on available
Below-average premiums for children
Below-average premiums for all ages in Quebec
Includes semi-private hospital accommodations and travel insurance
Cons
1-year restorative and major dental waiting period
Above-average premiums for adults and seniors in most regions
Below-average dental, vision, mental health, and accidental dental coverage
No air ambulance coverage
80% of generic, brand-name, diabetic, and smoking cessation prescription drugs (up to $1,300 per year)
Up to 80% of preventative, restorative, and major dental services (up to $700 per year)
100% of vision services every 2 years (up to $200 for prescription lenses, frames, and laser surgery, including a $50 limit for eye exams)
100% of visits to 8 paramedical professionals (up to $0 per visit and $300 per profession)
100% of visits to mental health professionals (up to $70 per visit and 7 visits combined per year)
100% of accidental dental services (up to $5,000 per lifetime)
100% of ground ambulance transportation (unlimited)
LINK 3 by GreenShield
Best for: Canadians who want high overall coverage with guaranteed acceptance and growing depth of coverage, especially for dental care.
GreenShield
LINK 3
(3.0)
How products are rated
Our star ratings are based on a mix of pricing, convenience, customer satisfaction, and coverage. Five-star products offer online quotes, below-average pricing (averaged across all company plans), above-average total coverage, and a four-star rating or higher on Google Reviews.
Pre-existing prescriptions
No drug deductible
No wait for basic dental
26% more coverage
than industry average2
How coverage is compared
All coverage comparisons reflect the total amount of prescription drug, dental, vision, paramedical, mental health, accidental dental, and ambulance coverage versus the industry average for comparable plans.
LINK 3 by GreenShield promises excellent drug and dental coverage by year 3 of enrollment, making it a good long-term solution for new contractors, freelancers, and entrepreneurs. Families with children may wish to compare premiums across providers before choosing a plan.
Pros
Above-average paramedical coverage
Includes access to GreenShield Pharmacy, 4 hours of virtual counselling through GreenShield Mental Health, and 4 virtual visits per year through GreenShield Telemedicine
Includes travel insurance and semi-private or private hospital accommodations
Cons
Above-average premiums for children and seniors
80% of generic, brand-name, and birth control prescription drugs (up to $1,200 per year)
Up to 80% of preventative, restorative, and major dental services (up to $750 per year)
100% of vision services every 2 years (up to $65 for eye exams and $250 for prescription lenses, frames, and laser surgery)
100% of visits to 6 paramedical professionals (up to $0 per visit and $400 per profession)
100% of visits to mental health professionals (up to $600 combined per year)
100% of accidental dental services (up to $10,000 per year)
100% of ground and air ambulance transportation (unlimited)
What’s the best health insurance provider in Canada?
Based on customer service and average pricing, the best health insurance provider in Canada is PolicyMe, followed by GreenShield, GMS, and Sun Life. PolicyMe’s customer reviews reflect its dedication to a superior customer experience, including quick communication and value-packed plans:
Company
Google Reviews score1
Cost comparison4
PolicyMe
★★★★★ (4.9)
4% less than the industry average
GreenShield
★★★★☆ (3.7)
7% more than the industry average
Canada Life
★★★☆☆ (3.3)
10% more than the industry average
Sun Life
★★★☆☆ (3.1)
1% less than the industry average
GMS
★★★☆☆ (3.1)
8% less than the industry average
Manulife
★★★☆☆ (2.6)
7% less than the industry average
1 Google Reviews scores current as of October 2026. 2 Comparison reflects the monthly premiums for a 30-year-old adult compared to the industry average for comparable plans, averaged across all plans offered by the provider.
See how affordable highly-rated health insurance can be
Which private medical insurance plan offers the most coverage?
Everyone has different health and medical histories and needs, which is why there’s a wide variety of plans on the Canadian health insurance market. If you need coverage for a specific medical expense (or a particular paramedical profession), these plans may be able to help*:
Category
Company
Plan
Details
Most drug coverage
Sun Life
Personal Health Insurance Enhanced Plan
80% of the first eligible $5,000 of prescription drugs and 100% of the next $245,000 (up to $250,000 per year)
Most dental coverage
Canada Life
Freedom to Choose Guaranteed Elite
Up to 85% of routine dental services (up to $2,000 per year)
Most vision coverage
Canada Life
Freedom to Choose Guaranteed Elite
90% of eye exams (with no annual limit) and 100% of lenses, frames, or laser surgery (up to $275) every 2 years
Most paramedical coverage
Canada Life
Freedom to Choose Select Elite
100% of visits to 10 paramedical professionals (up to $50 per visit and $500 per practitioner per year)
Most flexible paramedical coverage
PolicyMe
Protect Advanced
80% of visits to 9 paramedical professionals with no per-visit limit (up to $750 combined per year)
Most mental health coverage
Sun Life
Personal Health Insurance Enhanced Plan
100% of visits to mental health professionals with no per-visit limit (up to $1,500 combined per year)
* Terms, conditions, and limitations apply to all health insurance coverage. We strongly recommend carefully reading your insurance documents to ensure your claims are eligible for reimbursement.
Next steps: How to buy the right health and dental coverage
The secret to finding the best, most affordable medical insurance for you and your family members is to identify your needs, identify your existing coverage, and compare plans and providers. Here’s our three-step plan in more detail:
Check your existing coverage: Review your employer benefits, if any, your provincial health plan, and whether you qualify for any additional public programs to get an idea of potential coverage gaps.
Total last year’s costs: Add up all of your out-of-pocket costs for prescriptions, dental care, vision, and other medical expenses that would be eligible for reimbursement under a private healthcare plan.
Pick a plan type: Decide whether you want the basics or more robust coverage based on how much you spend out of pocket. Consider whether a guaranteed-issue plan would be of interest, but expect higher premiums in exchange for guaranteed acceptance.
Compare limits and waiting periods: Read through each plan’s limits on benefits and whether there are any waiting periods. Some benefits for major services, like orthodontics, only become available after a few years of continuous coverage.
Talk to an advisor: Speak with a licensed insurance provider if you’re unsure which plan would best suit your budget and healthcare needs. Insurance agents can help you understand and compare different policies.
Remember, price isn’t the only thing that matters when you buy health insurance in Canada—flexible coverage, generous inclusions, and high customer satisfaction ratings all contribute to your, your loved ones’, and your budget’s health and wellness.
FAQ: Best health insurance in Canada
The best overall medical insurance plan in Canada is the Guaranteed Issue Classic plan from PolicyMe. It features affordable premiums, flexible coverage for routine procedures, and the highest-rated customer service on the market.
If you’re in search of the best health insurance companies in Canada, the providers highlighted above—from PolicyMe and GreenShield to Manulife and Sun Life—offer some of the most competitive health insurance in Ontario and other provinces. However, each household’s healthcare needs are different.
Most private health insurance plans in Canada include both vision and dental insurance along with prescription drug coverage, paramedical benefits, and other extended health benefits. However, some plans may exclude vision, dental, or other coverage in order to offer affordable options to Canadians with narrower supplemental healthcare needs.
Most modern medical insurance plans provide coverage for visits to psychologists, psychotherapists, and registered social workers.
High drug and high-value health insurance plans can provide coverage for expensive prescriptions. You may also want to look for a plan with high accidental dental and ambulance coverage.
Another insurance product that can help protect against steep, unexpected medical costs is critical illness insurance. Rather than covering specific healthcare expenses, critical illness insurance offers a one-time lump-sum payout if you’re diagnosed with a covered life-threatening condition (e.g., cancer, stroke, or heart attack). You can buy it as a standalone policy or combine it with life insurance.
In Canada, high-value individual health insurance policies are premium-tier plans with comprehensive coverage, low deductibles, and no waiting periods. By providing high annual maximums in every coverage category, they enable policyholders to offset most of their health expenses.
Provincial public health insurance may provide medically necessary care, but there are many routine services it doesn’t cover. Unless you have private health insurance or you qualify for special programs, you’ll have to pay for dental checkups, eye exams, prescription eyewear, prescription drugs, massages, and more.
Buying private health insurance can be worthwhile buy in Canada for two reasons: 1) it can save you money on prescription drugs, dental checkups, eye exams, and other forms of routine care, and 2) it can protect your finances from the cost of a medical emergency such as a broken tooth, a depressive episode, or a helicopter trip to the hospital.
Private health insurance in Canada typically costs $75 to $150 monthly for a single adult, though premiums depend on a number of factors, including age, location, and coverage needs. For families, private health insurance costs around $150 to $400+. Older Canadians or those with pre-existing health conditions typically spend more on private health insurance, while younger people with robust employer benefits may not need standalone private insurance.
A guaranteed-issued health insurance plan is a type of health insurance policy that has no medical exam or questionnaire. These plans typically don’t consider your health history, current medications, or pre-existing conditions, though there are exceptions. They are often best suited for older adults or those with chronic or ongoing health issues, who may be rejected by a medically underwritten plan.
When you leave your job, your health benefits typically end on your last date of employment, but it depends on why you left and your company’s specific policy. If you were laid off or terminated without notice, most Canadian provinces are required to maintain your health benefits through the statutory notice period. If you retired, some company-sponsored plans offer coverage in retirement, but availability depends on your plan’s specific policies.
Jasmine Kanter
Jasmine specializes in converting complex insurance data into actionable guidance. Her background includes auto, life, and health insurance and financial planning. Lately, she’s leveraging AI to extract insights from the numbers and help Canadians make better decisions.
Jasmine specializes in converting complex insurance data into actionable guidance. Her background includes auto, life, and health insurance and financial planning. Lately, she’s leveraging AI to extract insights from the numbers and help Canadians make better decisions.
