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How do you find the best car insurance Quebec? It might be challenging because the car insurance rules vary from province to province, and some coverages are mandatory, while others are optional. On the contrary, there is no one best policy for Canadian drivers due to the many factors influencing their premiums.

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Super Visa Insurance is required to obtain a Super Visa and it ensures that visitors can pay for their health care in the unexpected event that they fall sick or become injured during their stay. This coverage is more than simply a requirement; it is essential to alleviate the responsibility of paying costly medical bills that would then fall upon the family member that sponsored their stay. Super Visa Insurance can be bought by a Canadian resident on behalf of their visiting family member(s) or by the visitor themselves. For more information on the exact coverage you need for a Super Visa, give one of our brokers at Policy Store a call or simply enter your information in our easy online form to get a personalized Super Visa Insurance quote today.

Super Visa Insurance

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Canada's top health insurance providers In 2023

Canada’s healthcare system is regarded as one of the best in the world, providing all citizens and permanent residents free access to emergency care and regular doctor visits. However, there are still certain services that Medicare – the country’s universal health coverage – does not cover – including eye and dental care, outpatient prescription drugs, rehabilitation services, and private hospital rooms – which Canadians need to pay for.

So, it is not surprising that, although not required, nearly 70% of Canadians have taken out supplemental private health coverage, according to the latest figures from the Canadian Life and Health Insurance Association (CLHIA). Of these, 90% were purchased through group plans.

Overall, the nation’s health and life insurance providers paid out $30.4 billion in supplementary health benefits, $8.8 billion in disability claims, and $1.6 billion for accidental death and dismemberment, critical illness, and long-term care coverage last year, the association’s data also revealed. These numbers indicate a thriving private health insurance market in a country where the public health system already provides a good level of support for acute and accident care.

How does Canada’s healthcare system work?

Canada has a “decentralized, universal, publicly funded health system,” according to the Commonwealth Fund, a private nonprofit group that supports independent research on health care issues and provides grants aimed at improving the country’s health system.

“Health care is funded and administered primarily by the country’s 13 provinces and territories,” the organization explained. “Each has its own insurance plan, and each receives cash assistance from the federal government on a per-capita basis.”

The group added that while benefits and delivery approaches vary, all Canadian citizens and permanent residents receive “medically necessary hospital and physician services free at the point of use.”

However, not everything is covered by Medicare. According to the personal finance website money Genius, the public health system provides universal access to about 70% of a Canadian’s medical needs. The rest must be paid out of pocket or covered by supplemental private insurance.

What does Canada’s universal healthcare system cover?

The country’s public healthcare system covers many of the “basics.” These include:

Doctor and hospital visits

Diagnostics and examinations

Surgeries and treatments

Standard accommodations in the hospital (including care, food, and prescriptions)

Medically necessary dental surgeries

Eye examinations for Canadians aged under 18 or over 65

Each province and territory implement their own rules when it comes to health coverage, so the exclusions may vary. For the following items and services, private health insurance may be necessary to obtain cover, depending on where a person resides.

Outpatient prescription medications

Dental care

Psychological services

Massage therapy

Physiotherapy

Private hospital room stays

Ambulance and EMT services

Prescription eyeglasses

Medical equipment (including wheelchairs, crutches, and leg braces)

Long-term care insurance has long been lacking in the country, another thing to be aware of.

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Accidents happen and medical conditions can arise or deteriorate very quickly; we often don’t ever see it coming. For those undesirable moments, having disability insurance can go far in removing the financial burden from your shoulders and allow for yourself and your loved ones to focus on what matters the most. Policy Store can help you by searching for the best coverage available to you at the most affordable price. All that you need to do is complete our brief online form or give us a call today to speak to one of our brokers.

Disability Insurance

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Getting auto insurance has never been easier. In just a few short minutes, you can complete our online form and submit it to us for a quote that consists of customized coverage at a competitive price. We take care of the heavy lifting so you can free up your time to get back to what you love.

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auto insurance company in canada

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Life can be unpredictable at times, but your insurance coverage shouldn’t be. At Policy Store, we can help to put your mind at ease in knowing that your home, your loved ones, and your cherished belongings are protected in the unfortunate event that the unexpected happens. Fill out our short form today and we will quickly provide you with a detailed quote. You will get the comprehensive coverage you want and at the best available price on the market.

home insurance companies

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Our online quote system can quickly and easily find you a customized policy at the most affordable price available on the market. 

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