Provincial and territorial health plans
What your provincial or territorial plan covers, how to contact it, and where private insurance fills the gaps.
How coverage works
Understanding Canada’s health plans.
Each of the 13 provinces and territories runs its own plan under the Canada Health Act, sometimes called a government health insurance plan (GHIP). The plans cover essential care, but what they pay for dental, vision and prescriptions varies, and many Canadians add private coverage.
- Everyone who lives hereYour provincial or territorial planHospital care and doctor visits, at no cost when you receive them.
- If your employer offers a planWorkplace benefitsPrescriptions, dental, vision and paramedical care, where your employer offers them.Employee group benefits
- If you buy your ownPersonal health and dental insuranceThe same gaps, if you don’t have workplace coverage or when you leave it.Health and dental insurance
A general guide. What each plan covers varies by province or territory.
Choose your province or territory
Health coverage where you live.
See who’s covered, what the plan pays for and how to contact it.
Travelling outside your province or Canada? Your plan may pay only part of the cost of emergency care.
Emergency travel medical insurancePlan details change from time to time. Contact your provincial or territorial plan for the latest, or ask us.
Filling the gaps
Beyond your provincial plan.
Workplace benefits
Many Canadians receive additional coverage through workplace benefits, which can extend to spouses and dependants. The extent of coverage varies by employer, but it typically includes health, dental and vision care.
Personal insurance
For those without workplace benefits, personal health and dental insurance can help bridge the gap. Individual plans cover services not included in provincial plans, such as prescription drugs and specialized care, and some offer guaranteed coverage, even with pre-existing conditions.
A question about your coverage? Ask us.
No obligation. We’ll tell you plainly what we think, including when you already have what you need.