BEST DENTAL INSURERS: Manulife, Blue Cross, Sun Life, Desjardins

The best dental insurance insurers offer you a complete range of protection: products adapted to your reality. Online or in a meeting, you have access to a flexible plan through the best insurers: Manulife, Blue Cross, Sun Life, Desjardins etc.

Protection that helps you pay for costs not covered by provincial health insurance plans. The protections offered by our insurers are:

prescription drugs
dental care
hospital services
eye care
paramedic care and ambulance services

Health care insurance allows you to benefit from a personalized insurance plan based on your priorities and your budget.

Calculate your health and dental insurance premium in seconds.

I get a quote >

In this section:

Supervisory framework for insurers in Quebec

Supervisory framework for insurers (Manulife, Blue Cross, Desjardins, etc.) in Quebec is administered by the AMF. LFinancial Markets Authority (AMF) is the organization mandated by the Government of Quebec to regulate financial products and services, particularly in the areas of insurance, securities, derivative instruments and depository institutions – with the exception of banks.

As provided for in its constituting law, the Authority's mission is to "ensure that financial institutions and other participants in the financial sector respect the solvency standards applicable to them and comply with the obligations imposed on them by law." imposes in order to protect the interests of consumers of financial products and users of financial services and take any measures provided for by law for these purposes. »

The Authority has adopted a Surveillance Framework insurers which details its approach to supervision of authorized financial institutions. The framework is updated every three years. As necessary, in light of developments in the financial sector, supervisory practice benchmarks, regulations as well as new risks, emerging trends and risks identified during supervisory work.

List of dental insurance insurers

Health and dental insurance products have never had any other purpose than the safety of policyholders. Overall, access to health care is free in La Belle Province for everyone. However, Canada's public health care system is constantly evolving. Essential services are still available.

In reality, Quebecers are forced to assume part of the cost of health services. Due to the shortage of resources, waiting lists and the fact that drug prices in Canada are among the highest in the world, insurers are helping to relieve congestion in the hospital network.

It is a known fact that medical care has high costs, and dental care is no exception to this rule. By offering protection for services not covered by the Quebec sun card which does not – and will never have – the means to cover everything, insurers contribute to the sustainability of a public health system that no one wants to see disappear.

We represent the strongest insurers and providers in Canada: Manulife, Blue Cross, Sun Life, Desjardins and more. There are no independent surveys that compare the best dental insurance companies. Indeed, we rigorously choose the insurers with which we work according to the following criteria:

quality products
efficient service in the event of a complaint
competitive pricing
recognized financial solidity

According to industry experts, the following list represents insurers in dental insurance the strongest in Quebec and Canada.

Manulife

Manulife is the largest insurance company in Canada and the 28th largest fund manager in the world in terms of global institutional assets under management. The company was founded in 1887. Manulife offers medical and dental coverage based on your needs.

The main solutions are: the FlexSanté medical and dental care plan and the Emporte-moi medical and dental care plan.

Manulife FlexHealth covers products and services that are not fully covered by your health plan.provincial health insurance.

The Manulife EmporteMoi plan provides coverage that begins when your group insurance ends. Most of the protections offered by Manulife do not ask for medical questionnaires!

Cross – Blue

First, the price of the insurer Blue Cross is very affordable. With more than 75 years of experience, it is an insurer well known to Canadians.

If you are not covered by your employer's plan or if your current plan does not provide sufficient coverage and you would like to add additional protection, medical insurance can help cover expected and unexpected medical expenses.

Blue Cross insurer offers reimbursement that can help cover the cost of dental services and supplies offered by duly licensed dentists. Insurance coverage is offered at affordable prices, including dental care starting at $47,26 per month.

Sun life

The insurer Sun life offers coverage to cover medical, dental and other health care costs that are not covered or not fully covered by the provincial plan or your employer's plan. It is one of the largest life insurance companies in the world; it is also one of the oldest, with a history dating back to 1865.

Basic dental care covered by their basic plan includes, among other things, preventive care and diagnostics.

A formula can be extended to cover: major care, such as crowns and bridges, orthodontic care, in addition to major dental care.

SSQ

SSQ Dental Insurance is a diversified mutual company founded in 1944 in Quebec, which offers insurance and investment products.

To date, the insurer SSQ has the mission to protect the financial security of your family and loved ones. It helps you cover health and dental care, such as health professional care costs, the cost of medical equipment (orthopedic shoes, therapeutic devices, etc.) as well as vision care.

By using the SSQ insurer, you can pay bills related to hospitalization, medication or laboratory analysis costs. In addition, their solution covers additional expenses such as travel, home care or childcare.

Canada Life

Great-West, London Life and Canada Life merged on January 1, 2020. They now form one company – The Canada Life Insurance Company.

This is protection that helps you pay for costs not covered by provincial health insurance plans. In short, prescription drugs, dental care, hospital services, eye care, paramedical aid and ambulance services are included.

The protection offered is similar to that of a group guarantee plan. Canada Life insurer plans are good options in this case: you are self-employed, if you are not eligible for benefits offered through your employer, if you retire or lose your coverage .

The capital

The capital is a Canadian company. It provides insurance products and financial services to more than 900 institutions and 600 employees in Quebec.

Capital health and dental insurance can help cover expected costs. In other words: prescription medications, basic and regular dental care. Certainly, glasses and contact lenses, massage therapy treatments, custom-made orthotics.

The dental care plan becomes optional per member. La Capitale insurer allows you to choose an individual, single-parent or family protection category.

Gardens

The Bank Gardens is a Canadian financial services cooperative. It is the largest federation of credit unions in North America.

Desjardins Insurance and its partners offer several dental and drug insurance coverages.

In particular, medical and paramedical care and vision care, prescription medications.

Then, dental care, hospitalization and advanced medical services.

The insurer Desjardins with its basic or enhanced plans offers you different levels of reimbursement.

Costco

Dental health insurance Costco helps you save money on health care costs not covered by provincial health insurance. Many common health care expenses are not fully covered by the RAMQ plan.

With numerous coverage options, you can enjoy the protection of medical and dental insurance.

Prescription Drugs – This benefit covers the increasing costs of generic and brand name drugs.
Dental Care – Visits to the dentist might be a little more tolerable if you had this coverage.
Vision Care – New glasses, contact lenses, eye exams, etc.
Home help and nursing care – Rehabilitation in the comfort of your home.
Licensed Therapist Services – Chiropractor, Physiotherapist, Massage Therapist and others.
Emergency Travel Medical Care – Coverage up to $5 million for an unlimited number of trips per year.

ASEQ

Founded in 1996, its main goal is to help thousands of students manage their health care. ASEQ offers simple, engaging and reliable health and dental plans for the post-secondary student community. The insurance plan includes:

health care (chiropractic, physiotherapy, dietetics, massage therapy, vaccines, hospitalization, etc.);
vision coverage (examination, glasses, contact lenses, laser vision correction, etc.);
dental care (cleaning, fillings, root canal treatment, wisdom teeth extraction, etc.);
travel insurance (120 days per trip, accident insurance, cancellation insurance, etc.).

RAMQ

RAMQ dental insurance can help you. Dentists and denturists participating in the public plan provide certain covered services. Apart from the insurers Manuvie, Croix-Bleue, Desjardins, Sun Life, la Capitale, ASEQ, RAMQ solutions are important.

Certainly, children under 10 years old have priority. Recipients of last resort financial assistance can benefit from several services free of charge.

To benefit from these covered services, you must present your valid health insurance card. In most cases, your valid claim slip is also requested.

Calculate the health and dental insurance premium in seconds.