Health & Dental Insurance Canada
Fill the gaps left by provincial healthcare. Get comprehensive private health and dental coverage for you and your family.
Why Private Health Insurance?
While Canada’s provincial healthcare systems (like OHIP in Ontario) cover basic medical and hospital care, they leave significant gaps. Private health and dental insurance helps you pay for everyday healthcare expenses that aren’t covered by the government.
A personal health insurance plan is essential if you are:
- Self-employed or a small business owner
- A freelancer or gig worker without group benefits
- Retiring and losing your employer-sponsored coverage
- Working part-time or on contract
- A student aging out of your parents’ plan
What’s Not Covered by Provincial Plans?
- Prescription Drugs: Most medications outside of a hospital setting.
- Dental Care: Routine cleanings, fillings, extractions, and major dental work.
- Vision Care: Eye exams, prescription glasses, and contact lenses.
- Paramedical Services: Massage therapy, chiropractic care, physiotherapy, and psychology.
- Medical Equipment: Hearing aids, orthotics, and mobility devices.
What Our Plans Cover
We offer flexible, customizable plans from Canada’s top providers like Manulife, Sun Life, and Blue Cross. You can choose the level of coverage that fits your budget and healthcare needs.
Prescription Drugs
Coverage for generic and brand-name prescription medications, helping you manage the cost of ongoing treatments or sudden illnesses.
Dental Care
Includes preventative care (cleanings, exams, x-rays), basic services (fillings, extractions), and major restorative work (crowns, bridges).
Vision Care
Allowances for routine eye examinations, prescription eyeglasses, contact lenses, and sometimes laser eye surgery.
Paramedical Practitioners
Coverage for registered specialists including massage therapists, chiropractors, physiotherapists, acupuncturists, and psychologists.
Frequently Asked Questions
Can I get coverage if I have a pre-existing condition?
Yes. If you are leaving a group benefits plan (e.g., retiring or changing jobs), you can usually get guaranteed acceptance coverage without a medical questionnaire if you apply within 60 to 90 days. If you are applying for a new individual plan, some pre-existing conditions may be excluded, but many providers offer guaranteed issue plans with slightly lower coverage limits.
Are health insurance premiums tax-deductible in Canada?
If you are self-employed, you may be able to deduct your private health insurance premiums as a business expense. For individuals, premiums can often be claimed as a medical expense for the Medical Expense Tax Credit (METC) on your personal tax return. Always consult with a tax professional for your specific situation.
How much does personal health insurance cost?
The cost varies widely based on your age, the level of coverage you choose (e.g., basic vs. comprehensive), and whether you are covering just yourself, a couple, or a family. Basic individual plans can start around $70-$100 per month, while comprehensive family plans can range from $200-$400+ per month.
Quote & Apply Online
Your health is your most significant asset, and we’re here to protect it. Get an instant quote and apply online through our trusted provider — no agent visit required.
Clicking the Manulife button will open a secure online application linked to Safe Haven Financial.
Get the Coverage You Deserve
Don’t wait until you have a medical emergency or a toothache. Contact Safe Haven Financial today to find the perfect health and dental plan for your needs and budget.