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Health & Dental Insurance

Why is Health Insurance Essential for Canadians? Your well-being is paramount.

While provincial health plans cover most healthcare expenses, gaps exist, necessitating private sector support. These gaps encompass vital areas such as dental care, vision care, prescription drugs, chiropractic services, mental health support, rehabilitation services, and medical equipment. Investing in comprehensive health insurance ensures holistic coverage, addressing both routine and unforeseen medical needs, thus providing peace of mind for you and your loved ones.

Our Reviews

Excellent4.8 Based on 340 reviews from ★★★★☆ 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 Koya ★★★★★ It was pleasure working with Mariam and Eric. We are seniors and trying to get a reasonable price for travel insurance.Fay BellefontaineFay Bellefontaine ★★★★★ I sent an email yesterday. They called today. Marion and Eric were excellent. Highly recommend this company. Rates are excellent tooAnnette ChisholmAnnette Chisholm ★★★★★ Eric was fantastic. Quick , easy and affordable.Tracey PeerTracey Peer ★★★★★ Eric was very professional and found the best plan for me at this time.Trev HutchinsTrev Hutchins ★★★★★ Eric Clementi was an absolute pleasure to work with. Very professional and courteous.Berit LysBerit Lys ★★★★★ Artmiz, must be the best Agent I have ever dealt with. She is articulate and has a wonderful sense of humour apart from an intimate knowledge of her products. She demonstrates a quick grasp of what people actually need (or don't need) and points quickly to available options. She is actually the only Insurance Agent I feel like calling back again. Great work Artmiz !!Malcolm KhanMalcolm Khan ★★★★☆ Artmiz was very helpful and polite.We would certainly consider using Allianz againVictor LeblancVictor Leblanc ★★★★★ Artmiz Namazi is one of the most pleasant people I have ever dealt with. She was polite, personable, and helpful on the telephone. She promptly replied to both phone calls and emails. It was a pleasure to deal with her. The price of the insurance was more than reasonable.Patricia KostrichPatricia Kostrich ★★★★★ Artmiz Namazi is very helpful, patient & just a delight to speak with doing businessWe have dealt with different people for travel insurance over the years & some could take some lessons from ArtmizJoan FlemingJoan Fleming ★★★★★ Artmiz was very pleasant and patient to deal with. Happy with our coverage.Bob WainesBob Wainesjs_loader
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How Important is Health Insurance for Canadians?

Your well-being is paramount. Although provincial health plans cover most of your healthcare expenses in Canada, it won’t cover preventative care, placing responsibility on the private sector. In addition to the essential services discussed above, private health insurance offers invaluable benefits for preventive care, ensuring proactive management of your health. With coverage for services like chiropractors, massage, mental health practitioners, wellness programs and so much more. With these services, you can prioritize prevention and early detection of health issues. This proactive approach not only enhances your overall well-being but also 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.

Types of Health Insurance in Canada

Health and Dental Insurance serves to supplement what your provincial plan and employer may not cover. Options include standalone Health Insurance or Dental Insurance plans, as well as comprehensive packages combining both. With varying levels of coverage tailored to specific needs, our specialists can assist in identifying the optimal plan at competitive rates.

Dental Insurance

Dental health is essential, as issues can arise at any time. Dental Insurance typically covers up to 80% of preventive dental care costs, encompassing check-ups, cleanings, extractions, fillings, scalings, and x-rays. For orthodontic care or major restorative procedures, specialized plans offer coverage at higher premiums and potentially increased co-payments, providing invaluable peace of mind.

Health Insurance

Supplementing your provincial plan, Health Insurance extends coverage to services like prescription medications and vision care, as well as 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 additional healthcare coverage, Health and Dental Insurance fills gaps left by provincial plans. This comprehensive insurance option offers peace of mind and ensures comprehensive health coverage. With diverse plan options tailored to individual needs, our experts are dedicated to finding the ideal solution for you.

Tips on Saving Money on Health & Dental Insurance

Our aim is to assist you in saving money. The most effective method to economize on Health & Dental Insurance is by comparing rates across various providers. However, this task can be exceedingly time-consuming. Fortunately, Life Insurance Pro streamlines the process for you. With just a request for a quote on our website, we undertake the rigorous task of evaluating rates from major Canadian insurers, ensuring you receive the most competitive options available. In addition to having our stellar staff doing the heavy lifting for you, here are some tried, tested and true tips to saving money on Health and Dental Insurance.

Compare Plans Regularly

Regularly comparing health and dental insurance plans allows you to stay informed about available options and potential cost savings. Reviewing policies annually or when major life changes occur ensures you’re getting the best coverage at the most competitive rates.

Opt for Higher Deductibles

Choosing a plan with higher deductibles can lead to lower monthly premiums. While this means you’ll pay more out-of-pocket for healthcare expenses before insurance coverage kicks in, it can significantly reduce your overall premium costs, especially if you’re generally healthy and don’t anticipate frequent medical visits.

Utilize Wellness Programs

Many health insurance providers offer wellness programs aimed at promoting preventive care and healthy lifestyle choices. By participating in these programs, which may include discounts on gym memberships, nutrition counseling, and smoking cessation programs, you can improve your health outcomes while potentially reducing long-term healthcare costs.

Explore Group Coverage Options

Group health and dental insurance plans, often offered through employers or professional associations, typically provide more comprehensive coverage at lower rates compared to individual policies. Take advantage of group coverage options if available, as they often offer significant cost savings and broader benefits.

Maintain Good Health Habits

Prioritizing preventive care and adopting healthy lifestyle habits can lead to significant cost savings on 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 reduce your risk of chronic health conditions and potentially qualify for lower insurance rates.

Health & Dental Insurance FAQ’s

This FAQ section aims to provide even more valuable information on the topic of Health & Dental Insurance in Canada.

While provincial health plans cover basic medical expenses, they often have limitations. Health and Dental Insurance in Canada bridges these gaps, offering coverage for services like prescription drugs, dental care, vision care, and more.

Yes, you have the option to purchase Dental Insurance as a standalone policy or as part of a comprehensive Health and Dental Insurance package. Standalone Dental Insurance policies in Canada provide coverage specifically for dental care expenses.

Waiting periods vary depending on the insurer and the specific policy. Some plans may have waiting periods for certain services, such as major dental procedures or pre-existing conditions. It’s important to review the policy details carefully to understand any waiting period requirements.

Yes, most Health and Dental Insurance policies in Canada allow you to add your dependents, such as your spouse and children, to your policy for additional coverage. Adding dependents may affect the premium cost, so it’s essential to inquire about the details with your insurance provider.

Many Health and Dental Insurance plans in Canada include coverage for emergency medical services during international travel. However, coverage limitations and exclusions may apply, so it’s crucial to review your policy documents and consider purchasing additional travel insurance for comprehensive coverage while abroad.

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