Why Buy Our Plans
As a purpose-driven, non-profit organization, ÂÒÂ×°ÍÊ¿ combines insurance benefits with access to trusted health providers to simplify your health journey. Our personal health coverage puts you first, with a commitment to improving health outcomes for all Canadians.
Health Insurance Made Simple
Explore flexible, affordable plan options designed to support Canadians at every stage of life.
Get help covering everyday needs like prescription medications, dental and vision care, and registered therapists. Ideal for anyone looking for reliable personal health coverage.
Health surprises happen. ÂÒÂ×°ÍÊ¿ personal plans help you to stay protected with emergency medical travel benefits, and more.
Coverage and Care, All in One Place
ÂÒÂ×°ÍÊ¿ is the first organization in Canada to operate as a payer-provider. We offer insurance, administering benefits, and paying claims as a payer, while offering health services such as mental health, pharmacy, and medical services as a provider. Being a payer-provider enables us to simplify access to care, remove administrative barriers, and improve health outcomes for our customers.
Through ÂÒÂ×°ÍÊ¿ Cares, our profits go back into improving the health and well-being of Canadians. We partner with community organizations to expand access to health services and co-create new, culturally appropriate products and services, scaling our impact and growing our business. 
Support and Programs Available With All Plans
Every ÂÒÂ×°ÍÊ¿ Insurance plan includes the following:
Effective Mental Health Support That’s Right For You
In any given year, 1 in 5 people in Canada will personally experience a mental health concern. By age 40, about 50% of the population will have had a mental health concern.1 ÂÒÂ×°ÍÊ¿ Mental Health offers an easy-to-access way to connect with counsellors and supports to help you start feeling better.
Using advanced technology, ÂÒÂ×°ÍÊ¿ Mental Health offers a unique and robust matching process that makes it easy to connect quickly with qualified counsellors who meet your needs and reflect what matters most to you.
Virtual Therapy
With ÂÒÂ×°ÍÊ¿ Insurance plans, you can access virtual appointments with your counsellor within 24 to 48 hours of your initial online assessment. Forget commutes to appointments or long waits because of where you live. With virtual therapy, geography is no concern.Â
All Plans Offer Coverage for Virtual Therapy
All ÂÒÂ×°ÍÊ¿ Insurance plans include two hours of individual counselling and two hours of couples counselling. There are no out-of-pocket expenses for these four hours of therapy. If you’d like to continue your therapy, additional virtual sessions with ÂÒÂ×°ÍÊ¿ Mental Health are easy to arrange and eligible for coverage with the psychology benefit of your ÂÒÂ×°ÍÊ¿ Insurance plan.Â
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Tools and Resources for Better Health
ÂÒÂ×°ÍÊ¿+ offers a variety of mini-courses, activities, and resources to help you take control of your health and well-being.
Mini-courses and Activities
Dive into mini-courses and activities on key health topics like nutrition, smoking cessation, physical activity, and more.
Well-being Wins
Complete challenges and activities to reinforce your learning, and earn points toward Well-being rewards.
Skip the Lines and Connect Virtually with a Healthcare Practitioner
Connect with healthcare professionals without visiting a clinic. Virtual care offers timely support for those in remote areas, with mobility challenges, or in need of quick medical advice.
Virtual Telemedicine
Consults with healthcare practitioners occur on an on-demand or appointment basis via instant messaging, video, or audio.
Meet with the Right Provider for Your Needs
Telemedicine through ÂÒÂ×°ÍÊ¿+ encompasses a wide range of medical services, including: access to a healthcare professional within minutes on any device, anytime.
Coverage and Care On the Go
As a ÂÒÂ×°ÍÊ¿ customer, your plan includes access to ÂÒÂ×°ÍÊ¿+, our free app designed to make managing your health insurance easy, convenient, and accessible wherever you are.
Our Founding Story: The Better Way
One day at the pharmacy, our founder William watched as a mother was forced to choose between buying medicine for herself or her child. Naturally, she chose to forgo her own medication. In William's words, "To see a mother go without the medicine she herself needed in order to buy a prescription for her sick child is a moving experience. There had to be a better way…"

That moment sparked a mission to deliver not just coverage—but care, too. Today, we bring both together through personal health insurance, innovative tools, and community initiatives like ÂÒÂ×°ÍÊ¿ Cares, helping more Canadians access the support they need to live well.
Health insurance and care when you need it
ÂÒÂ×°ÍÊ¿ combines affordable insurance with health and wellness services to help you live your healthiest life. There’s no waiting period, so you’ll get immediate coverage and access to care in one flexible plan that fits your life.
Telemedicine
Connect with a Canadian-licensed healthcare professional in minutes for on-demand care.
Pharmacy
Easily manage prescriptions, set refill reminders, and consult with a pharmacist.
Mental Health
Access confidential, personalized mental health support where and when you need it.
Well-being
Access tools and resources to help you take steps towards overall better health.
Other Resources
Other customers found these pages helpful in making their personal insurance decision.
Find out what the next steps are after applying for a personal insurance plan.
Learn all about our easy online claims submission process.
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