Pick the plan
that actually fits.

Compare Canadian individual and family health and dental plans from the major insurers. We line up coverage, caps, and premiums in one view so you can pick the plan that matches your real-life usage.

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Or talk to a licensed advisor25+ Canadian insurers · no credit check

Compare basic, enhanced, and comprehensive plans side by side.

Family plans for two adults plus dependent children.

Add dental, vision, or travel medical à la carte.

Three tiers, different price points.

Basic plans cover everyday gaps — prescriptions, dental cleanings, vision exams, basic paramedical. They start around $32/month for an individual and run $90 to $130 for a family of four. Best fit: healthy adults who want protection from surprise costs.

Enhanced plans add higher paramedical caps, broader dental (root canals, crowns), mental-health coverage, and travel insurance. $60 to $130/month individual, $160 to $250/month family. Best fit: families with regular dental and paramedical use, or anyone with ongoing therapy needs.

Comprehensive plans go further: semi-private hospital, orthodontics for kids, hearing aids, and high specialty-drug caps. $130 to $250/month individual, $280 to $450/month family. Best fit: families anticipating big expenses (orthodontics, fertility, complex care).

How to choose without overpaying.

Look at last year's actual out-of-pocket health and dental spending. If you spent $800 — a basic plan probably wins. If you spent $3,000 with a kid in braces and a partner in physio — enhanced or comprehensive likely pays for itself.

Watch for two traps. First: caps that look generous until you read the per-visit limit (a $500/year massage benefit at $35 per visit is really 14 visits). Second: 'guaranteed-issue' plans that wave you through but exclude pre-existing conditions for the first 24 months. We'll point both out.

What you get

The features that actually matter.

No fluff. No sales theatre. The handful of things that move the needle for real Canadian families.

Dental tiers

From cleanings to crowns — choose how deep you want to go.

Vision

Annual exams plus a lens / frames allowance every 1 to 2 years.

Prescriptions

70% to 90% reimbursement on drugs not on the provincial formulary.

Paramedical bundle

Massage, physio, chiro, acupuncture, naturopath, dietician.

The Lowest Rates Hub way

Why buy through us?

Same insurers. Same prices. We just lay them out side by side and translate the fine print.

Start free quote

Quotes from 25+ Canadian insurers, side by side.
Licensed advisors — never commissioned salespeople pushing one carrier.
Honest about trade-offs. We'll tell you when a smaller policy is the right call.
No paperwork. Apply online or over the phone — your choice.
Same price as going direct. Insurers pay us; you don't.

How it works

Three steps. Zero paperwork.

Step 01

Tell us about you

Six quick questions. No SIN, no credit pull.

Step 02

Compare matched quotes

Top three side by side. Plain English.

Step 03

Lock in your rate

Apply online or talk to a licensed advisor.

Honest tradeoff

When this isn't right for you

If your employer plan already covers what you'd buy here, doubling up is rarely worth it. Bring your existing benefits booklet to the call — we'll identify any genuine gaps before recommending anything.

Frequently asked

The honest answers. No fine print.

Yes. Family plans cover two adults plus dependent children, usually up to age 21 (longer if they're full-time students). Some plans cover common-law and same-sex partners by default; others ask explicitly.

Underwritten plans handle them case by case — covered, excluded, or rated up. Guaranteed-issue plans cover everything after a 24-month waiting period. We'll match you to the carrier most likely to cover what you actually need.

Stick to a basic plan, or look at a Health Spending Account (HSA) if you're self-employed. Don't overpay for premium tiers you won't use — that's the most common waste we see.

Most plans take effect on the 1st of the month following approval. Underwritten plans add 1 to 2 weeks for the health review.

Yes. Most plans allow cancellation with 30 days' notice. There's no surrender fee.

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