The HealthRate Blog

Health coverage, decoded.

Canadian health, dental and travel coverage explained — what provincial plans leave out, how waiting periods work, and what newcomers actually need.

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Insurance

FeaturedSelf-Employed

Deducting your premiums: PHSP vs a personal plan

Incorporated Canadians can sometimes route health spending through a Health Spending Account instead of paying individual premiums. The structure, and its limits.

HealthRate EditorialOct 17, 20268 min read

All posts Super Visa Newcomers & OHIP Travel Insurance Coverage Basics Drug Coverage Rate Watch Self-Employed Seniors3 posts · all categories

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Travel insurance

Travel Insurance

Snowbird coverage: six months out of province

A six-month winter usually fits your province's absence limit, but provincial plans pay only a capped daily rate abroad. What each plan allows, what it pays, and where travel medical policies fall short.

Sep 28, 20269 min read

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Insurance

Coverage Basics

What provincial plans actually leave uncovered

Provincial plans must cover hospital and doctor care, and little else. What each province leaves to you on drugs, dental, vision, physio and ambulance, and what fills the gaps.

Sep 28, 20268 min read

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