Health and Dental Life Insurance in Canada – What’s Covered?

Introduction

While Canada’s public healthcare system covers many essential services, it doesn’t pay for everything. Prescription drugs, dental care, vision exams, and other health-related expenses can add up quickly, leaving families with significant out-of-pocket costs. That’s where Health and Dental Insurance comes in.

Health and Dental Insurance plans provide coverage for services not included under provincial healthcare. For Canadians without employer-sponsored benefits — or those who want to supplement existing coverage — these policies offer financial relief and access to better care.

What is Health and Dental Life Insurance?

Health and Dental Life Insurance is a supplemental insurance policy designed to cover everyday medical and dental expenses not funded by the government. Policies can be purchased individually or as family plans and are especially valuable for self-employed individuals, retirees, or those whose employers don’t offer group benefits.

What’s Covered Under Health Insurance?

Coverage varies by policy, but common benefits include:

• Prescription drugs – One of the biggest out-of-pocket expenses for Canadians.
• Hospital services – Semi-private or private room coverage, beyond standard provincial care.
• Paramedical services – Chiropractors, physiotherapists, massage therapists, psychologists, and more.
• Medical equipment – Crutches, wheelchairs, hearing aids, and diabetic supplies.
• Vision care – Eye exams, prescription glasses, and contact lenses.
• Emergency travel medical insurance – Coverage for unexpected medical needs while abroad.

What’s Covered Under Dental Insurance?

Dental care is not included in provincial healthcare, making dental insurance highly valuable. Coverage typically includes:

• Basic services – Check-ups, cleanings, X-rays, and fillings.
• Comprehensive services – Extractions, crowns, root canals, and dentures.
• Orthodontics – Braces and corrective dental treatments (usually at higher plan levels).
• Preventive care – Helps maintain oral health and prevent costly procedures later.

Who Should Consider Health and Dental Insurance?

• Self-employed Canadians – Without access to workplace benefits.
• Families with children – Covering frequent dental and vision needs.
• Retirees – Replacing employer benefits lost after retirement.
• Individuals with chronic conditions – Requiring ongoing prescriptions or therapies.
• Frequent travellers – Ensuring coverage outside Canada.

Key Benefits of Health and Dental Life Insurance

• Financial protection – Reduces out-of-pocket expenses for everyday healthcare.
• Customizable plans – Choose coverage levels that fit your needs and budget.
• Peace of mind – Access care without worrying about unexpected bills.
• Family coverage – Protects children, spouses, and dependents under one policy.
• Tax advantages – In some cases, premiums may qualify as medical expenses for tax deductions.
  

Average Costs in Canada

Premiums depend on age, location, family size, and coverage level. On average:

• Individual plans: $50–$100 per month.
• Family plans: $120–$250 per month.
• Higher-tier plans (with orthodontics, travel coverage, etc.) cost more but provide broader protection.
  

Things to Consider Before Buying

• Coverage limits – Many policies have annual or lifetime maximums.
• Waiting periods – Some benefits (like orthodontics) may not be available until after a waiting period.
• Pre-existing conditions – Certain treatments may be excluded.
• Coordination with existing benefits – Supplemental coverage can work alongside employer plans.
  

Why Canadians Choose Health and Dental Insurance

For many Canadians, public healthcare doesn’t fully cover the reality of modern medical and dental needs. These policies help bridge the gap, making healthcare more affordable and accessible. With rising costs of prescriptions and dental procedures, having insurance means families can focus on wellness instead of worrying about bills.

Conclusion

Health and Dental Life Insurance in Canada provides essential protection for everyday medical and dental expenses not covered by provincial plans. Whether you’re self-employed, retired, or simply want more comprehensive coverage, these policies give you peace of mind and financial stability.

At Emerald Wealth Services, we help Canadians choose the right health and dental insurance to fit their needs and budget. From basic coverage to comprehensive family plans, our team will guide you every step of the way.

Contact us today at info@emeraldwealthservices.com or call 1(800) 515-6707. Learn more at emeraldwealthservices.com