Provincial healthcare in Canada covers many essential services, but it does not cover everything. Prescription drugs, dental care, vision care, physiotherapy, and several other routine medical services often result in out-of-pocket expenses. Health & Dental Insurance helps you manage these costs and ensures your family receives quality care without financial strain.
At Hilltop Financials, we compare plans from top Canadian insurers to help individuals, families, retirees, and self-employed professionals find affordable, flexible, and comprehensive coverage.
Even with provincial health plans like OHIP, MSP, AHCIP, and RAMQ, Canadians still pay for
These expenses can add up quickly. Health & Dental Insurance provides predictable coverage and helps protect your savings.
Hilltop Financials offers a wide range of plans tailored to your needs and budget.
Affordable coverage for essential care.
Typically includes:
Perfect for:
Individuals or families looking for entry-level coverage.
More robust coverage for frequent healthcare needs.
Includes:
Perfect for:
Families with children, active individuals, and those with recurring health expenses.
One of the most important components of health insurance.
Covers costs for:
Drug costs can be hundreds of dollars per month without coverage.
Standalone or combined dental plans are available.
Coverage may include:
Covers:
Laser eye surgery (partial coverage in some plans)
Many plans include coverage for:
This helps maintain physical and mental well-being.
Health and dental insurance is ideal for individuals, families, retirees, and self-employed Canadians who want affordable access to routine care, prescriptions, and unexpected medical expenses not covered by provincial plans.
Dental and vision care can become costly without coverage.
Those without employer benefits rely on personal plans to stay protected.
Many retirees lose their employer benefits at retirement, and personal coverage becomes essential.
Helps supplement provincial health plans and reduces medical expenses.
Insurance ensures regular checkups and treatments don’t create financial stress.
Self-employed professionals often lack traditional employer benefits. Personal health & dental insurance
Hilltop Financials helps self-employed clients choose flexible plans with strong coverage.
Once you retire, employer coverage usually ends. Our retiree health plans include
Plans are available for ages 50 to 89.
Some health insurance packages include out-of-province or out-of-country coverage, which is essential because provincial plans offer limited protection outside your home province.
Premiums depend on
Approximate ranges:
Coverage Type | Monthly Cost |
Basic | $35–$70 |
Enhanced | $70–$150 |
Comprehensive | $120–$250+ |
We help you compare the best plans to fit your budget.
Protect your family’s health and financial well-being with a plan designed around your needs. Hilltop Financials makes it easy to choose, compare, and apply for the right coverage.
