Health & Dental Insurance Quoter
Health & Dental Insurance Quoter
For private supplemental health/dental plans outside Canada's public healthcare system.
Canada's public healthcare system doesn't cover everything — dental care, vision, prescription drugs, and paramedical services (like physiotherapy or massage therapy) are typically out of pocket unless you have supplemental coverage. This calculator estimates your monthly premium for a private health and dental plan, which matters most if you're self-employed, freelance, between jobs, or retired without an employer group plan.
How This Calculator Works
The estimate is based on average private supplemental health and dental insurance premiums in Canada by age group, across three common coverage tiers (basic, standard, and enhanced). Premiums rise with age because insurers price individual and group health plans based on the statistically higher expected claims in older age brackets.
Frequently Asked Questions
Does Canada's public healthcare cover dental and prescription drugs?
No — in most provinces, provincial health plans cover hospital and physician services but not routine dental care, vision care, or prescription drugs outside a hospital, which is why many Canadians carry a private or employer-sponsored supplemental plan.
Who typically needs private health and dental insurance?
It's most relevant for self-employed workers, freelancers and contractors, gig workers, people between jobs, and retirees who no longer have an employer group benefits plan.
Why does the premium increase with age?
Insurers price individual and group health plans based on expected claims, and older age groups statistically use more dental, vision, and paramedical services, so premiums rise accordingly.
Can I still get coverage if I have a pre-existing health condition?
Often yes, but insurers may apply exclusions, waiting periods, or higher premiums for pre-existing conditions — the exact terms vary by insurer and plan, so it's worth comparing a few providers directly.