Health Insurance

When you take care of yourself, you can enjoy life to its fullest.

Our private health insurance plans help you take care of your health and wellness so you can focus on what really matters to you.

Get a Free Quote Help Me Choose a Plan

We offer two options to meet your needs.

A plan anyone can work with.


We all have different needs when it comes to health insurance. And those needs can change throughout our lives. Whether you just need the basics for a while, want to add to your work benefits plan, or are looking for a complete wellness package, our Personal Health benefits plans let you choose what works for you. If your situation changes, we’ve built in flexible options so your plan can grow with you. Because what fun is life if it never changes?

Make sure you’re fit and ready for whatever adventure may come your way. Your coverage can include:

  • Optometrists, glasses, and contacts
  • Acupuncture, massage, physio, and more.
  • Dental
  • Prescription Drugs
Leaving a job? This plan could be just what you need.


We get it, there are things you’d rather focus on than your health benefits. Things like where you’re going to go when you retire or what you’re going to name your new business. Our Replacement Health benefit plans are available when you’re leaving your employer’s benefit plan to start your next adventure. We’ve packaged them to provide everything from preventative to emergency care, so you can focus on what matters. We even offer guaranteed acceptance and no medical questions, so you’ll be able to maintain your lifestyle without interruption. 

Spend your energy creating your next success story.
Your private health plan can include coverage for:

  • Optometrists, glasses, and contacts
  • Chiro, naturopath, and massage appointments
  • Orthopedic shoes
  • Dental
  • Prescription Drugs

Live your best life with one of our individual health insurance plans.

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Frequently Asked Questions

You're right, as Canadians we enjoy the benefits of our publicly funded health care system. It covers the basics, such as trips to your family doctor or the emergency room, immunizations, and some treatments for mental health disorders.

Our Personal Health Plans can cover health care costs government health plans don't. Things such as contacts, dental exams, and massage treatments that help you feel and be your best. And when the unexpected happens, we cover the costs of road and air ambulance, preferred hospital rooms, medical equipment, and more to make sure you get the care you deserve.

While you might not have an immediate need for health coverage, it's worth it to get a plan in place now. It can save you money in the long run, help you be proactive with your health and help you afford care when you need it. 

Absolutely. They can be added to your Personal Health Coverage at any time, no application required. If you’d like to add prescription drug coverage or Hospital Cash, just fill out a Plan Upgrade Form and send it our way. If you’d like to add dental coverage, just let us or your broker know. We’ll add it to your plan, no paperwork required.

Both our Replacement Health and Personal Health products offer coverage of health care costs not covered by the government, they also help you plan ahead and keep you healthy. They’ve got similar benefits, but Replacement Health plans are only to people losing coverage from a group benefits plan.

If you’re eligible to apply for Replacement Health, we offer guaranteed acceptance, no medical questions asked. That means your premium won’t be affected by health conditions you might have developed while covered under your group benefits plan. We’ve also packaged our Replacement Health plans to provide similar benefits to most group benefits plans so you can keep doing the things that make you healthy.

You can also apply for one of our Personal Health plans if you’re leaving a group plan. These plans are designed to give you choice and flexibility when it comes to which benefits you’d like to include.

To be eligible for coverage under a Replacement Health Plan, you must set up your plan within 90 days of losing coverage from a group benefits plan.

At this time you can't renew or make changes to your plan through the website or a My GMS account. We're happy to help you renew your plan or make changes to it over the phone. Give us a call at 1.800.667.3699.

It’s a good idea. Your provincial health plan covers some basic services like seeing a doctor or visiting the ER outside your home province. But costs for emergency ambulance rides, prescriptions and dental work are not. An emergency medical travel plan is an affordable way to prevent the financial burden of unexpected medical bills while you’re away.

There are many factors that contribute to the cost of a health insurance plan such as age, medical history, location, policy maximums, etc. We offer a range of Personal and Replacement Health plans to suit your needs and your budget. Select Get a Quote, answer a few questions and we’ll get you an estimated price instantly.

As Canadians, we have access to publicly funded healthcare for basic services like checkups and emergency room services. You can apply for a health card through the government in your province of residence.

When it comes to coverage for things like vision, ambulance rides and dental checkups, private health plans can help. We offer six options for Individual Health plans, depending on your situation and needs. If you're not sure what you're looking for, we can help you choose a plan. Or, you can get a free quote and buy online in less than 10 minutes.

Private health insurance (also known as individual or personal health and dental insurance) is coverage that can help Canadians with the cost of medical services not covered under their provincial health plan. This includes vision, dental, prescription drugs, physiotherapy, chiropractic, acupuncture and more. We offer a range Individual Health plans to suit your personal needs.

Have more questions?

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