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What personal health insurance covers in Canada
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Understanding personal vs public health insurance coverage
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What individual health insurance covers that provincial healthcare doesn't in Canada
We all know that life doesn’t always go according to plan. Some surprises are welcome, like a career change or an impromptu trip. But others not so much, like a chipped tooth, sudden back pain, or needing new glasses after your old ones mysteriously disappear.
In Canada, we’re lucky to have public healthcare to rely on for the big things like doctor visits, hospital care, and emergency treatment. But when it comes to the everyday essentials that help keep us feeling our best, the gaps in coverage can catch you off guard.
That’s where individual health insurance comes in. Whether you’re a freelancer, recently left a group plan, or just want a back-up plan, it’s a smart way to protect your health (and your wallet).
While every province is a little different, there are some things that most government plans don’t fully cover. This generally includes vision care, mental health services, and paramedical services. It also doesn’t cover most medical equipment or emergency travel coverage.
If you’ve ever paid out-of-pocket for any of these things, then you know how quickly those costs can add up. And if you haven’t had to deal with it yet, you’ll most likely want to be prepared in case it does.
Your provincial health plan typicallys covers things like doctor visits and hospital care, but beyond that, there’s still a lot left for you to cover on your own, like:
Prescription drugs: Some provincial plans don't cover prescription drugs for all residents. Prescription drugs are only covered for specific groups, such as seniors and those eligible for government assistance programs.
Vision care: Most eye-related expenses aren’t covered. This typically includes the cost of eye exams, prescriptions, glasses, and contact lenses.
Health practitioners: Need to see a physiotherapist, dietitian, psychologist, or other specialist? They’re not part of public coverage.
Medical equipment: Things like crutches, orthotics, and other assistive devices are also not covered.
As for dental care, government programs like the  Canadian Dental Care Plan offer coverage for some people based on their income, however, it doesn’t replace comprehensive dental benefits.
That’s why an individual health insurance plan, like one from Blue Cross Health®, can really help you fill in the blanks. You can choose coverage that fits your needs, life, and budget, and get access to extra benefits.
So, why choose an individual health insurance plan?
Individual health insurance helps you plan for the expected things like eye exams, as well as the unexpected health issues that can seemingly come out of nowhere. With the right insurance plan, you can access a wider range of care without long wait times, get reimbursed for everyday health expenses, and reduce financial stress if something comes up.
It also gives you the opportunity to be proactive about your mental wellness, and focus on living your life, without having to budget for unexpected expenses. Individual health insurance can cover what your province doesn’t, so that you can take better care of your body and mind.
Who’s it for?
Think of it as a safety net. Individual insurance is great for anyone without workplace benefits like freelancers, part-time and contract employees, and small business owners. It’s also a good idea for retirees, or even young adults who are no longer covered by a family plan. And the earlier you start your coverage, the less expensive it will be, and you can rest assured knowing you'll be covered for future conditions. At the end of the day, it’s not just about coverage, it’s about knowing you can better handle whatever life throws your way.
Not sure what you’re missing?
Things change, so it’s always best to plan for the unexpected. And for that, we’ve got your back. Request a quote   today and see how easy it is to get coverage that fits where you are now, and where you’ll be down the line.
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