Guides
Critical illness, disability and health & dental coverage.
Health & living benefits
12 min read
OHIP covers medically necessary doctor and hospital care, but not most prescriptions filled at a pharmacy, dental work in a dentist's office, glasses, most adult eye exams or most physiotherapy, massage and chiropractic care. Here's a 25-service table and the public programs and private plans that fill the gaps.
Read guide arrow_forward
Health & living benefits
10 min read
Critical illness insurance pays a lump sum for a defined list of conditions, led by cancer, heart attack and stroke. Comprehensive Canadian plans we reviewed list 24 to 26 conditions, and many pay a partial benefit for early-stage illnesses.
Read guide arrow_forward
Health & living benefits
9 min read
For a 35-year-old, Instasure's model estimates a mid-tier health and dental plan at $92 a month for one person, $175 for a couple and $221 for a family, as of October 2026. Here's how age, plan tier and your province change the picture, and when a plan pays for itself.
Read guide arrow_forward
Health & living benefits
9 min read
For a 40-year-old non-smoking man in a professional job with a $5,000 monthly benefit, Instasure's model estimates $140 to $218 a month, as of October 2026. Here's how age, occupation, the waiting period and riders move that number.
Read guide arrow_forward
Health & living benefits
8 min read
If you offer dental in any form, including employee-paid dental or a health spending account that covers dental, your staff generally can't use the Canadian Dental Care Plan, even if they waive your plan. Here's how the access rule works and how to decide.
Read guide arrow_forward
Health & living benefits
9 min read
You qualify for the Canadian Dental Care Plan if you're a Canadian tax resident, you filed last year's return, your adjusted family net income is under $90,000 and you have no access to private dental insurance. Here's how each test works and how to apply.
Read guide arrow_forward
Health & living benefits
5 min read
The Canadian Dental Care Plan covers eligible people with family income under $90,000 and no access to dental insurance. Private plans suit people who earn more or want broader health coverage, but buying one can affect CDCP eligibility.
Read guide arrow_forward
Health & living benefits
5 min read
Critical illness insurance pays a lump sum after a covered diagnosis, while disability insurance replaces your income if you cannot work. Here is how to choose, or combine, the two.
Read guide arrow_forwardEvery request is matched with an advisor licensed in your province who compares insurers for you, explains the fine print and handles the application. No cost to you and no obligation to buy.
We use first-party analytics cookies to understand which guides help Canadians most. No ads, no selling data. Privacy
