Toothbrushes on marble counter.

May 11, 2015

Extra health insurance – who needs it?

1 min read


Although the Canadian healthcare system is considered one of the best in the world, the health insurance provided by our provincial government cannot cover all of your potential healthcare needs. In addition, provincial governments are gradually reducing healthcare coverage levels due to budgetary concerns, which means you may need to find money in your budget to pay for some or all of the following expenses:

  • Dental visits (other than regular examinations)
  • Vision examinations
  • Prescription medications
  • Paramedic/emergency medical services
  • Ambulance transportation services

As a result of dwindling provincial healthcare services, many Canadians are making the decision to purchase supplementary health insurance to cover unexpected expenses not paid for by provincial plans.

Guide to extra health insurance coverage

–Resourceful, affordable and customizable to your needs

Dental care

Six-month cleanings are essential to maintaining good oral health but how would you pay for orthodontic work, undetected tooth decay that requires root canal therapy or sudden trauma to the mouth due to a vehicle or sports accident? Additional health insurance covers these expenses so that you don’t have to make monthly payments or take out a loan to pay for thousands of dollars’ worth of dental care.

Vision care

You simply can’t put a price on keeping your eyes as healthy as possible. Eye exams no longer just test your vision acuity. They also include glaucoma tests, retinoscopies, slit-lamp examination and visual field testing. With the rising costs of prescription lenses and contacts, families and single individuals are coming to rely on private healthcare insurance to pay for all of their vision care needs.

Prescription drugs

No one gets through life without needing to take at least one prescription medication at some point, whether it’s a commonly prescribed drug to lower cholesterol or an expensive anti-cancer drug costing thousands of dollars every month. Having extra health insurance customized to address your prescription needs means you don’t have to worry about how you are going to pay for costly prescriptions.

Hospitalization/critical illness care/specialized healthcare professionals

Provincial healthcare plans may not include the cost of needing the services of a podiatrist, physiotherapist, chiropractor or psychologist. In addition, the sudden onset of a critical illness could leave you or someone in your family requiring extended hospitalization that could burden you with crushing debt for many years.

The future is unpredictable

We sincerely hope you never need to worry about how you are going to pay for medical services not covered by our provincial insurance. However, no one can know when an unexpected health crisis will strike.

In addition to the services listed above, supplemental health insurance also helps pay for the following:

  • Medical supplies and services
  • Mobility and medical equipment
  • Ambulance transportation
  • Out-of-province (but within Canada) healthcare expenses (travel insurance is necessary to pay for medical costs not covered by OHIP.)

Flexible and affordable plans are available

Call us today to discuss options for your health insurance needs. Contact Mitch Insurance Brokers at 1-800-731-2228 or email us at We’d be happy to answer your questions or provide no obligation quotes for your consideration.

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Mitch Team

The articles you'll find on the Mitch blog are all the result of a team effort, contributed to by one or more of our RIBO licensed insurance brokers and/or other Ontario insurance experts. Contributors to our blog include:

  • Adam Mitchell (RIBO) - President and CEO of Mitch Insurance Brokers
  • Nick Kidd (RIBO) - Chief innovation officer at Mitch, & director of business insurance
  • Alex Gemmiti (BSc, CIP, RIBO) - Service team lead at Mitch Insurance
  • Jesica Ryzynski (RIBO) - Insurance broker, claims specialist, and account manager at Mitch Insurance

Learn more about the Mitch Team

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