Drug & Dental Insurance

Affordable health benefits for everyday medical needs.

While provincial healthcare plans in Canada cover emergency medical services and doctor visits, they typically do not cover routine healthcare expenses like prescription drugs, dental checkups, or vision care.

Drug & Dental Insurance fills this gap by helping you manage the cost of day-to-day healthcare—keeping you and your family healthy without breaking the bank.

Who Should Get Drug & Dental Insurance?

• Self-employed individuals or small business owners without employer benefits
• Part-time workers or contract employees
• Retirees under age 65
• New immigrants and international students
• Families looking to supplement basic provincial healthcare

If you don’t have a group benefits plan through work, this coverage ensures you’re protected from common but costly health expenses.

What Does It Cover?

Depending on the plan level you choose, coverage may include:

1. Prescription Drugs

• Covers the cost of medications prescribed by your doctor
• Reimbursement levels typically range from 70% to 100%
• Access to both generic and brand-name drugs
• Can include drug cards for instant pharmacy billing

2. Dental Care

• Preventive services: checkups, cleanings, X-rays
• Basic services: fillings, extractions
• Major services (in higher-tier plans): crowns, bridges, root canals
• Orthodontics (braces) included in some plans

3. Vision Care (optional in some packages)

• Eye exams, glasses, and contact lenses
• Coverage every 12 or 24 months depending on plan

4. Paramedical Services

• Physiotherapy, massage therapy, chiropractic, acupuncture
• Psychologist or therapist visits
• Covered up to a specified annual limit per practitioner

5. Medical Equipment & Supplies

• Crutches, braces, diabetic supplies, hearing aids, etc.

How Does It Work?

• Choose a plan level (Basic, Enhanced, or Comprehensive) based on your needs and budget.
• Pay a monthly premium—no employer required.
• Some plans offer guaranteed acceptance, with no medical questions if you apply within a set window after losing group coverage.
• Use your drug or dental card to pay directly at participating providers or submit receipts for reimbursement.
• Track usage and coverage through an online portal or app.

Key Features

• Flexible plan options with various coverage levels
• No medical exam required for many plans
• Immediate coverage for dental and drug benefits (or after short waiting period)
• Family coverage available (spouse and dependents)
• Portable benefits Portable benefits