Health & dental insurance in Ontario
Fill the gaps OHIP leaves behind. Cover prescriptions, dental, vision, physiotherapy, massage, and more with a personal plan — ideal for the self-employed, retirees, and anyone without group benefits.
- Covers prescriptions, dental, vision & paramedical
- No employer needed — plans for individuals & families
- Guaranteed-acceptance options available
Ontario’s OHIP covers doctors and hospitals — but not prescription drugs for most working-age adults, routine dental, eyeglasses, physiotherapy, massage, or many other everyday health costs. Personal health and dental insurance covers those expenses so a filling or a prescription doesn’t become a financial decision.
These plans are especially valuable if you’re self-employed, retiring (and losing group benefits), between jobs, or working somewhere without a benefits package.
What personal health & dental plans cover
Plans are modular — you choose the mix and level that fits your needs and budget. Common coverage includes prescription drugs, dental care (checkups, fillings, major work), vision (exams, glasses, contacts), and paramedical services like physiotherapy, chiropractic, massage, and mental-health practitioners.
Many plans also bundle emergency travel medical coverage. Some are medically underwritten (lower cost, more coverage), while guaranteed-acceptance plans skip health questions entirely — useful if you have pre-existing conditions.
Key benefits
Covers what OHIP doesn’t
Prescriptions, dental, vision, and paramedical care in one plan.
Budget-friendly & predictable
Turn unpredictable health bills into a manageable monthly premium.
Plans for every situation
Individual, couple, and family options — plus guaranteed-acceptance plans.
Keep it for life
Coverage that stays with you through job changes and into retirement.
Who should consider health & dental insurance?
- Self-employed people and small-business owners
- Retirees losing employer group benefits
- Contract, gig, and part-time workers without benefits
- Families wanting predictable dental and prescription costs
- Anyone with regular physio, massage, or ongoing prescriptions
How much does health & dental insurance cost?
Premiums depend on your age, the province, who’s covered (individual vs. family), and the level of coverage you select. Basic plans can start around $45–$60 a month for an individual, rising with richer drug, dental, and paramedical limits.
Because plans are modular, we help you avoid over-insuring: you pay for the coverage you’ll actually use. We compare insurers on price, limits, and how easy they are to claim with.
*Rates shown across this site are illustrative and vary by insurer, health, age, and coverage. Your exact quote is free and takes minutes.
Health & Dental Insurance FAQs
Do I need health insurance if I have OHIP?
OHIP covers physician and hospital care but not most prescriptions, dental, vision, or paramedical services for working-age adults. If you don’t have group benefits, a personal plan covers those out-of-pocket costs.
Can I get coverage with a pre-existing condition?
Yes. Medically underwritten plans may limit or exclude certain conditions, but guaranteed-acceptance plans ask no health questions and can’t decline you — a good option if you have existing conditions. We’ll match you to the right type.
I’m retiring soon and losing my benefits. What are my options?
Many insurers offer conversion plans that let you move from group to individual coverage without medical questions if you apply within a set window after leaving. We’ll make sure you don’t miss that window.
Does it include travel medical coverage?
Many health plans bundle emergency travel medical for shorter trips, and we can add or standalone travel insurance for longer trips or snowbirds. See our travel insurance page.
Ready to protect what matters most?
Get a free, no-obligation quote in minutes — or talk to a licensed Ontario advisor today.