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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★★★★★ ★★★★★ Quick, reasonable and the broker, Sehar Bajwa was helpful, knowledgeable and kind.Thank you Sehar!Cindy MathisonCindy Mathison ★★★★★ Sehar was a great help in sorting out my travel insurance, even while I was on the road, follow up was easy.Emergency medical and Trip insurance, got a great rate, tks again Sehar!Donna KarjalainenDonna Karjalainen ★★★★★ Service was excellent. Assisted in every way possible to clarify my needs.John FantinJohn Fantin ★★★★★ I and my wife got travel insurance with help of insurance agent Sehar Bajwa. Tanks a lot for Sehar Bajwa for very professional and competent job.Mikhael ChernitskyMikhael Chernitsky ★★★★★ Thanks Sehar for your knowledge and patience while I decided which package to take!! Well done!Bandna SawhneyBandna Sawhney ★★★★★ I had a great experience with Sehar when purchasing my travel insurance.Joy McDonellJoy McDonell ★★★★★ Thank you Ummi, Alliance Income for her wonderful service, she was helping me with travelling insurance with professional manners, giving me options and advices that I felt very comfortable and confidence. The process was smooth and efficient, right after the phone call process, the policy was immediately delivered to my e-mail. I would recommend Alliance Income and agent Ummi. Thanks.Katiana LoKatiana Lo ★★★★★ Spoke with Artmiz. Very knowledgeable and very professional. Answered all my questions.Would highly recommend her to family and friends...actually, I already did and my friend was very pleased with the service she receivedPam SinghPam Singh ★★★★★ My dealings with both Adam and Theresa were handled in a professional prompt manner giving me confidence in Alliance. I hope never to have the need to use my coverage, but I would hope that the experience would be as good.Eklove ShatnerEklove Shatner ★★★★★ Ummi was most helpful and informativewhen I purchased Trip Cancellation andInterruption coverage on September 19!Stephen J. RushfordStephen J. Rushford ★★★★★ Amazing service! Nice to talk with a real person and not just online. Great at changing my insurance with no issues.Joanne HuntJoanne Hunt ★★★★★ Artmiz was capable, responsive and punctual. A good experience!Geoff StilesGeoff Stiles ★★★★★ Once again Ummi has provided an economical rate and stress free service for my snowbird health insurance. Strongly recommend for price and revive many thanksElizabeth BastableElizabeth Bastable ★★★★★ Theresa helped me get medical insurance for my upcoming trips. She explained everything in detail making it an easy for me to make the decision!christine Foxchristine Fox ★★★★★ Theresa Hauser provided excellent service - clear information and great support regarding travel insurance- both cancellation and interruption.Don WagnerDon Wagner ★★★★★ Theresa was very helpful & answered all my questions. Very efficient & I received all the documents & information within minutes. Thank you TheresaIrene HartlIrene Hartl ★★★★★ Quick and efficient process and very good, pleasant exchange with agent Theresa HeuserRandy KlattRandy Klatt ★★★★★ Theresa is very helpful and efficient. I get all my insurance needs done seamlessly by this company.Maria Cecilia Danganan-LandichoMaria Cecilia Danganan-Landicho ★★★★★ Artmiz Namazi was a very nice person to deal with. She went far and beyond to help me to have the best deal. She understood my problem and made sure I knew it was solved. I will greatly recommend her to anyone searching for emergency travel insurance.Catherine PoplawskiCatherine Poplawski ★★★★★ Theresa Heuser helped me with buying travel insurance today. She was amazing!! The process was fast and painless. I always find buying our travel insurance to be one of the most stressful things in getting ready to travel. Thank you Theresa for making it so easy for me.Pat and Art ThorrougoodPat and Art Thorrougood ★★★★★ Theresa was prompt at replying, answering all my questions and very friendly and pleasant to deal with. She is an asset to your company.Yvonne FjaagesundYvonne Fjaagesund ★★★★★ Great experience. Theresa Heuser And Sabrina Izdiher helped me with everything. Very helpful and awesome customer serviceGurasisGurasis ★★★★★ Great professional quick service!Colleen Van HornColleen Van Horn ★★★★★ It was good, customer service and the client dealing is best and also they get you good deals.Ahtsham SaifAhtsham Saif ★★★★★ Theresa was very clear and helpful with our travel insurance questions.Gabriella KleinGabriella Klein ★★★★★ Theresa was very helpful and professional in all our dealings! Would recommend her highly.Joyce SchaafJoyce Schaaf ★★★★☆ Theresa was very efficient, friendly and patient.Sandra PerrinSandra Perrin ★★★★★ Artmiz Namazi was an excellent person to deal with. She was very knowledgable and gave me excellent advice. Her quick response to my inquiries on line and over the phone were great. She was extremely helpful and friendly and gave 5 star service.The price for the insurance I needed was also excellent. Thanks ArtmizFran SmythFran Smyth ★★★★★ Excellent product at a cheaper price than other providers.Dale CrawfordDale Crawford ★★★★★ Brilliant and professional support given by Artmiz. Very happy with our Travel Insurance Policy. Thank youSabir ParvaizSabir Parvaiz ★★★★★ I am So glad and happy to have the agent name Ummi to assisted me purchase our travel insurance, very pleasant and helpful. Introduced her to my friends, they were happy with the service too. Thanks Ummi. For sure will looking for you at next travel time.Van TranVan Tran ★★★★★ Great people & service.Dave GobellDave Gobell ★★★★★ Great job, knowledgeable, very patient and tried her best to help me. Thanks Ummi for excellent customer serviceRazijaRazija ★★★★★ Artmiz was very pleasant and efficient to deal with. She was prompt in her replies, and in answering any other questions we had. Her travel insurance pricing was the best that we found,Jean BamfordJean Bamford ★★★★★ Artmiz was totally great!! She is so pleasant, efficient and she gave us the best price and advice!! It was a pleasure to work with her.Ian BamfordIan Bamford ★★★★★ Very good. LovelyDonna KeenanDonna Keenan ★★★★★ Our agent Artmiz was very knowledgeable and answered all of our hypothetical travel scenarios with ease. The premium savings were significant because Allianz offers "top-up" products to those of us who have existing coverage, but need more.catherine onishicatherine onishi ★★★★★ 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 Staplesjs_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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