Freedom to Choose™ health and dental insurance

We’ve got you covered

Our plans can help you tackle medical costs not covered by your government health plan – at a price that works for you and your family.

Apply now

Leaving your workplace benefits plan? We’ve got a Guaranteed health insurance plan for you. No medical exam. No confusing pricing. Just coverage that works for you.

Here are a few reasons why Canadians put their trust in Freedom to Choose health and dental insurance

Take this questionnaire to discover our health and dental plans.

There’s a Freedom to Choose health and dental insurance plan for everyone. What’s your current situation?

Learn how our plans can be tailored to your unique needs.

See how our plans can cover you when you don’t have benefits.

Take our quiz.

It takes just 15 minutes to apply. Here’s how it works.

Have a question as you go? We’ve got team members standing by to help.

Pick a plan
Tell us about yourself / your family and any medical conditions
Enter your payment info
You’re done!

Our Freedom to Choose health and dental plans have options to cover a range of healthcare needs, such as:

Routine dental services
Eye exams, glasses, contact lenses and laser surgery
Prescriptions drugs
Physiotherapy, chiropractor visits and massage therapy
Social workers and psychologists
Naturopaths, dietitians, acupuncturists, no referral needed like all our paramedical services

Your monthly premium will depend on the plan you choose. To get a quote – and explore all our plans have to offer – take our questionnaire.

While costs vary, Freedom to Choose health and dental insurance can start at just dollars a day.

As long as you are covered by provincial healthcare, you will always be offered coverage when you apply for one of our plans. Even if you have a pre-existing condition, we still have an option for you with our guaranteed acceptance plan.

Yes! You can add emergency travel medical insurance as extra coverage to any of our plans. It’s not available as a stand-alone product.

We’ll never deny you coverage, but your pre-existing conditions are needed to help us calculate your monthly premiums and to determine which plans you’ll be eligible for. It’s a very short questionnaire and we don’t ask for any medical tests like bloodwork or urine samples.

You can get personal health insurance coverage that includes your spouse and children under 21, or under 25 If they’re still in school and working less than 30 hours a week.

For example, when you’re applying for Freedom to Choose health and dental insurance, you can add your spouse and dependent children to your application. If your child is disabled, you may also be able to include them if they’re under 25.

Personal health insurance doesn’t usually include your extended family, like parents, grandparents or siblings.

This depends on your insurance plan.

It’s simple to submit a Freedom to Choose health and dental insurance claim online.

Log in to My Canada Life At Work
Select Make a claim. 
Select Start a claim.

Plus, if you’re getting a prescription from the pharmacy, you just need to show your drug card and the pharmacist will deduct what is covered from your total.

Many dental services and paramedical claims like massage therapy or physiotherapy can also be processed on the spot.

You can have private health insurance at the same time as workplace benefits. In fact, this can be a good option if you want to top-up the coverage your employer offers. For example, if your benefits plan does not cover dental, you might consider a private insurance plan, like Freedom to Choose health and dental insurance, that can help fill this gap.

This depends on the plan you’re applying for. If the health insurance does have a waiting period, anywhere between 30 days and three months is standard.

The plan might also only have a waiting period for certain services. Freedom To Choose health and dental insurance has a 30-day waiting period for dental on its Select plans if you didn’t have prior dental coverage. But, if you apply for a Guaranteed plan – which requires that you had coverage within the last 60 days – there’s no waiting period for dental covered by your plan.

If you’d like to explore plans and see how much they could cost you, get a quote.

Note: If you are a Quebec resident, Freedom to Choose health and dental insurance provides supplemental coverage to the prescription drug coverage provided under the Régie de l’assurance maladie du Québec (RAMQ) basic prescription drug insurance plan. Freedom to Choose health and dental insurance doesn’t remove your obligation to have drug coverage through the RAMQ drug public plan, through your employer or an association you are a member of or through the employer of your spouse. Our Select plans (excluding Select with Assured Acceptance), do not cover prescription drugs you are already taking, or future prescriptions related to any pre-existing medical conditions.

Offer available exclusively instore at all Rexall locations. Some exclusions apply. Excludes prescriptions, products containing codeine, insulin, Rexall Gift Cards, Gift Card Express, lottery, postal services, stamps, transit tickets, baby diapers, baby formula, adult meal supplements, cheese, eggs, fresh milk, bread, prepaid phone cards, photofinishing, newspapers, tobacco products, shopping bags and taxes. Must be enrolled in Be Well and Preferred Perks.

Coverage is subject to the terms and conditions of the applicable Freedom to Choose Health & Dental plan, including eligibility requirements and any required prior authorization. Benefits, coverage levels, and maximums vary by plan.