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There are several frequently requested medical services that provincial healthcare plans do not cover. The smartest decision that you can make is to set yourself up with health and dental coverage. Ensure that your prescriptions and medical procedures are covered today.

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Why Do Canadians Need Health Insurance?

Your health is of the utmost importance. Most of your healthcare costs in Canada are covered by provincial health plans, but there are gaps for which the private sector is responsible.

These gaps in which the private sector is responsible for are dental care, vision care, prescription drugs, chiropractors, ambulance services and hospital rooms. These gaps may differ from province to province, but Canadians are still responsible to pay significant healthcare costs.

We at Alliance Income Services Corp. are here to help. Private Health Insurance can provide coverage on healthcare services not covered by your public health plan. Health Insurance is a great asset, especially if you have a health condition and your employer does not offer health benefits. Let us help to put you at ease. Protect your health with Alliance Income Services Corp.

How do I qualify for Health Insurance?

To qualify for health insurance, you’ll most likely need to already have a provincial healthcare plan and be no older than 74. Some insurers may require a medical examination depending on your medical history.

If you have a pre-existing condition, you may apply for a No Medical Health Insurance policy that does not require a medical exam. No Medical Health Insurance policies have guaranteed acceptance, but your premiums will be higher.

How much is Health and Dental Insurance going to cost?

Each plan varies depending on your situation. Your premium will mostly depend on your age, dental and medical history, smoking and drinking habits, and chosen level of coverage.

Your location will also be a factor as each province has a separate fee guide which insurers take into account. Of course, prices will also depend on the provider. Alliance Income Services Corp. will help you get the coverage you need at the best rate.

What will my private Health Insurance cover?

Whatever service your provincial health care plan does not cover, is likely to be covered by your private Health Insurance. Covered services include:

  • Prescription medication
  • Emergency medical service during international travel
  • Physiotherapy/massage therapy
  • Dental care
  • Vision care
  • Hearing aids
  • Hospital stays and ambulance services
  • Medical equipment (mobility devices, CPAP machines, and others)
What will my Dental Insurance cover?

Most commonly, Dental Insurance policies cover preventative oral care. Your coverage is likely to include: 

  • Dental check-ups & exams
  • Cleanings
  • Fillings
  • Wisdom teeth extractions
  • Scalings
  • X-rays

If you require coverage for more advanced procedures, such as surgery or implants, we can help you select the right plan for you. Most Dental Insurance policies will pay for up to 80% of your dental care costs, while your co-pay will be 20%.

Our Reviews

Excellent4.8 ★★★★★ Ummi is always helpful and professional. She has been helping our family for all travel insurance over the past years.MargieMargie ★★★★★ Ummi is courteous and professional. Good job!Rod SetoRod Seto ★★★★★ Artmiz was very pleasant and helpful in providing the coverage needed for my trip.John CliffordJohn Clifford ★★★★★ Nice Dealing And Nice Explanation…Harman BasraHarman Basra ★★★★☆ I want to let everyone know that when you buy your insurance from Alliance, buy it from Dornaz. I have had 2 separate policies through her and can't say enough about her thoroughness, knowledge of the product and her customer service. It was pleasure dealing with her.Nola DyckNola Dyck ★★★★★ Great customer serviceJennifer PhillipsJennifer Phillips ★★★★★ I had a very good experience with Dornaz. She was very helpful and got my policy together quickly. I will certainly recommend her to my friends.Steve StaplesSteve Staples ★★★★☆ Thank you Theresa and Adam for your help with our travel insurance plans, for your timely assistance and the savings you were able to find for us.Yogashiatsuyucatan DonypaolaYogashiatsuyucatan Donypaola ★★★★★ Artmiz Namazi provided excellent service. She was very professional and took the time to explain the insurance coverage and answer all my questions. She is a great asset to your company and I will not hesitate to recommend her to my friends and familyChris DingsdaleChris Dingsdale ★★★★★ Artmiz was very helpful, friendly and informative. She really knows her subject and was ready to help in any way.Carolyn CassellsCarolyn Cassells ★★★★★ Theresa Heuser is professional and competent in the insurance process. A pleasure!Ronald BironRonald Biron ★★★★★ What a pleasure dealing with Ummi, who took all the pain out of purchasing Travel Insurance for my wife and I, who are both 80 year old Seniors. Sensitive and yet enquiring, Ummi guided us through the minefield of questions with the competant ease of an expert. Ummi was responsive to any unintended omissions and made sure there were no loose ends that could disqualify any future claim. We go on Holiday knowing that we have been professionally prepared with cover for Medical emergencies, if they should arise.John DawkinsJohn Dawkins ★★★★★ great service by the phone and email.h mh m ★★★★★ We bought Emergency Medical policy for our coming trip from Ummi Hanny. She was such a good help and responsive to all our questions, either by phone or emails. Such an excellent service, above and beyond our expectations!! Thank you!Jacob SteinbergJacob Steinberg ★★★★★ We booked travel insurance with Ummi Hanny for a river cruise we are taking this summer. She was very professional, responded quickly and efficiently to emails, calls and questions. Would definitely recommend her and Alliance/Allianz.Kathy CastleKathy Castle ★★★★★ It was a pleasure to deal with Artmiz. Very polite and Patient. Nice to deal with someone who knows and enjoys their job.Tom BrailsfordTom Brailsford ★★★★★ I just finished getting a tailored insurance package with the help of Ummi. I really appreciated the attention to detail and how knowlegable she was on the various packages. Ummi was able to get us an annual package for me and my wife that focused on our need for Trip Cancellation/Inturruption and also a single trip comprehensive package for our 3 grandchildren that will be traveling with us on our next trip. It was a pleasent experience. Ummi detailed the options and made recommendation that ensured we had the coverage we needed at the best possible price. This was all done over the phone and email and we received the comple package immediately after the purchase in our email. Thanks UmmiJeff LangJeff Lang ★★★★★ We were helped by Ummi Hanny she is very professional and helpful.Thanks for your understanding,Heinz KriegerHeinz Krieger ★★★★★ Ummi was our Insurance agent helping with getting medical and cancelation policy -she was very professional and knowledgeable and was able to get us a very reasonable insurance rates.Milos RudolfMilos Rudolf ★★★★★ Eric provided policy information, confirmed my personal details to ensure the policy would be correct, processed my payment quickly.Tracy HastingsTracy Hastings ★★★★★ I dealt with Ummi Hanny, oh my she was wonderful! She even laughed at my jokes. What a great first experience.Lise BeaulneLise Beaulne ★★★★★ Ummi. was very helpful and pleasant. Billwilliam rockwilliam rock ★★★★★ Our purchase of Allianz Emergency Medical Insurance through Alliance Income Services Corp was a breeze. Ummi and Mariam was a pleasure to work with. They were both very patient, knowledgeable, and efficient in presenting the various options available to us. Mariam did a lot of leg work comparing several insurance companies just to find a plan that suit our needs. Ummi then completed the processing of the policy effortlessly and made the process seamless. I would highly recommend anyone who needs an insurance coverage to speak to especially this two ladies.Danny ChinDanny Chin ★★★★★ My agent Artmiz was very helpful and provided me with a quote quickly. When I was ready to accept the quote she responded quickly and sent me all the necessary documents just as efficiently. Happy with my interactions.Stephanie RumbleStephanie Rumble ★★★★★ Eric and Bob were both extremely helpful and attentive to my needs.Paul CodyPaul Cody ★★★★★ Teresa was great. Addressed all my concerns.Robert CarterRobert Carter ★★★★★ The service given by Ummi Hanny was excellent- very pleasant, courteous and professional.Simin MeshginnafasSimin Meshginnafas ★★★★★ I had a top notch experience with this insurance broker. Eric Clementi was the person that helped me from the day that I asked for a quote online. He was very thorough with explaining every minor details that might be misunderstood between the client and the provider. Eric is very professional with his tone of voice which makes a potential client feel at ease. Nonetheless, I’ve tried different insurance broker, their monthly fees are way above the average, Alliance income Services Corp has the most decent fee for a family of five… it’s a bang for the buck kind of thing. Truly recommend this company. 👍Mark EngelMark Engel ★★★★★ Eric Clemente and Ryan were excellent to deal with. Both were very helpful , to the point , and curious .Michael BoudreauMichael Boudreau ★★★★★ Excellent service by Eric Clementi and Ryanmargaret burnsmargaret burns ★★★★★ Eric and Adam were very helpful with my travel medical insurance. Now I realize if I have to use this coverage that I will be in great hands.Bonnie SmithBonnie Smith ★★★★★ Hello...Eric was very easy to work with ....very polite....and set up my insurrance policy very quickly....thank you again Eric....Marsha Risser.Marsha RisserMarsha Risser ★★★★★ I ordered insurance for my husband and myself. It was a very easy process and was helped greatly by Eric and Dylan. Both were very diligent with helping me through it all. Very easy and quick.Marilee Van BuskirkMarilee Van Buskirk ★★★★★ It was a pleasure speaking with Eric Clementi. He was polite, understanding and considerate.Mohinder BangaMohinder Banga ★★★★★ I was quite happy to get excellent & friendly customer services from Artmiz - very helpful & knowledgeable!Bruce YeeBruce Yee ★★★★★ Great service from knowledgeable and very helpful people. Thank you Eric Clementi and Ezarie!Beverley HowickBeverley Howick ★★★★★ Eric Clementi is the manYunus PatelYunus Patel ★★★★★ I had to sign up for my own health and dental insurance. The staff at this company were quick to get back to me and provide suggestions on insurance plans. The sign up process was very easy to do over the phone. I communicated with Eric Clementi who was very professional and efficient.Muhammad KoyaMuhammad Koya ★★★★★ It was pleasure working with Mariam and Eric. We are seniors and trying to get a reasonable price for travel insurance.Fay BellefontaineFay Bellefontaine ★★★★★ I sent an email yesterday. They called today. Marion and Eric were excellent. Highly recommend this company. Rates are excellent tooAnnette ChisholmAnnette Chisholm ★★★★★ Eric was fantastic. Quick , easy and affordable.Tracey PeerTracey Peer ★★★★★ Eric was very professional and found the best plan for me at this time.Trev HutchinsTrev Hutchins ★★★★★ Eric Clementi was an absolute pleasure to work with. Very professional and courteous.Berit LysBerit Lysjs_loader

Types of Health Insurance in Canada

Health and Dental Insurance allows you to fill in the gaps for what your provincial plan and employer can cover. There are plans that allow you to purchase Health Insurance or Dental Insurance separately, and there are plans that combine both. Depending on your needs, we have plans with different levels of coverage for specific services. Our experts can help you find the best plan with the right amount of coverage, all at the best price.

Dental Insurance

Dental Insurance is important to have because you can develop dental or oral issues at any point in your life. Dental Insurances usually provides you coverage for up to 80% on preventative dental care. It can cover dental check-ups and exams, cleanings, wisdom teeth extractions, fillings, scalings, and x-rays. If you need orthodontic care or major restorative services, there are plans that can provide coverage. They will be priced higher and your co-pay may be greater as well. But the comfort of knowing you’re secured is unmatchable.

Health Insurance

Health insurance is important to have because it provides additional coverage for services not covered by your provincial plan. It also covers prescription medication. Services that Private Health Insurance covers include vision care, psychologists, hearing aids, physiotherapy/massage therapy, emergency medical service during international travel, hospital stays and ambulance services, and medical equipment (mobility devices, CPAP machines, and others). If you have a health condition and need additional services, Health Insurance provides you with the tailored coverage you need.

Health and Dental Insurance

Health and Dental Insurance is important to have because it covers both your dental needs and additional healthcare needs which are not covered by your provincial plan. This combination insurance can secure your health and put your stress at ease. There are a variety of plans with different levels of coverage that we offer. Our experts are here to help you find the best plan that is tailored to your needs.

How to Save Money on Health Insurance?

We want to help you save your money. The best way to save money on Health Insurance is to compare rates from multiple providers. This can be extremely time consuming. Luckily, Alliance Income Services Corp. does all the hard work for you! By simply requesting a quote online through our website, we check what rates you can get from every major Canadian insurer.

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What is your age?

Your age bracket has a significant impact on your premiums. The younger you are, the more we suggest purchasing a policy. Avoid higher rates by purchasing Health and Dental Insurance before your next birthday.

Get tax deductions

Always consult with a tax professional to find out if you can claim Medical Expense Tax Credit on your tax returns. This can help to save your money.

Smoker status

Cigarette smokers can pay up to 100% more for the same level of coverage as a non-smoker. To gain a considerable reduction on your premium payments, consider quitting smoking. It will save you money and benefit your health.

Are you covered by your spouse’s plan?

If both you and your spouse have double coverage through your employers, it might be worth it to waive one of those policies. For a cost effective solution, examine both policies and opt-out of the least comprehensive or financially ineffective plan.

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