Personal Health Insurance
Provincial health insurance doesn't cover everything. Personal health insurance fills the gaps—from prescription medications to massage therapy, dental care to vision services.
Extended Coverage Beyond OHIP
What is personal health insurance?
Provincial health insurance doesn't cover everything. Personal health insurance fills the gaps—from prescription medications to massage therapy, dental care to vision services.
Quick Reference
Is this right for you?
Self-employed individuals
Get reimbursed for prescription medications not covered by provincial plans. Choose from various coverage levels up to 100%.
Small business owners
Coverage for massage therapy, physiotherapy, chiropractic, psychology, naturopathy, and more to keep you healthy.
Freelancers and contractors
Private or semi-private hospital rooms for comfort and privacy during hospital stays.
Retirees under 65
Emergency medical coverage when travelling outside your province or country—essential protection when away from home.
Those between jobs
Explore this coverage option.
Anyone without employer benefits
Explore this coverage option.
How it works
Needs Assessment
We identify which health services you use most and which coverage gaps need to be filled.
Plan Comparison
Compare plans from multiple insurers to find the best coverage for your specific healthcare needs.
Application
Complete a simple health questionnaire. Many plans offer guaranteed acceptance options.
Coverage Begins
Your coverage starts and you can begin claiming eligible expenses right away (subject to waiting periods).
What to expect
What This Covers
- Prescription drug coverage up to 100%
- Dental care options available
- Vision care including glasses and contacts
- Paramedical practitioners coverage
- Medical equipment and supplies
- Ambulance services
- Out-of-province emergency coverage
- Health spending account options
×Common Exclusions
- ×Pre-existing conditions (waiting periods may apply)
- ×Material misrepresentation on application
- ×Conditions outside policy terms
Protecting Ontario families with thoughtful coverage since 1999.
How we compare
As an independent broker, Michael compares policies across multiple carriers to find the best coverage and pricing for your specific situation.
Working with an independent broker means seeing the full market — not just what one insurance company wants to sell you.
Frequently asked
OHIP doesn't cover prescription drugs (outside hospitals), dental care, vision care, physiotherapy, massage therapy, psychology, ambulance fees, private hospital rooms, or medical care outside Ontario. Personal health insurance fills these gaps.
Many plans have waiting periods (usually 3-6 months) for pre-existing conditions, but coverage is generally available. Some guaranteed acceptance plans have no medical questions at all.
Most insurers offer direct billing at participating providers, mobile apps for easy claim submission, or traditional paper claim forms. Many claims are processed within 48 hours.
Yes, family plans are available covering you, your spouse, and dependent children. This is often more economical than individual plans for each family member.
Premiums may be claimed as medical expenses on your tax return, potentially providing a tax credit. Self-employed individuals may have additional deduction options.
Let's discuss personal health insurance.
Reach out for a private consultation — no obligation.