Health insurance

In Canada, coverage that pays for health services your provincial or territorial plan doesn’t fully cover, such as prescription drugs, dental and vision care.

Reviewed by Kyle Garrett, licensed insurance advisorLast reviewed October 2026. How we write

In Canada, health insurance usually means two layers of coverage. Your provincial or territorial government health insurance plan pays for medically necessary hospital and physician services. Extended health care insurance, which you can buy on your own or get through an employee group benefits plan, pays for costs the public plan doesn’t fully cover, such as prescription drugs, dental care, vision care and paramedical services.

See “Government health insurance plan (GHIP)” and “Extended health care insurance”.

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