PolicyMe Health Insurance Review

Is PolicyMe health insurance good?

PolicyMe is a Toronto-based provider offering some of the best health and dental insurance plans in Canada. While not one of the largest health insurance companies in the country, it has competitive pricing and the highest customer reviews, including 4.8 stars on Google and an A+ from the Better Business Bureau.

Pros

Cons

What’s the best health and dental insurance for me?

The best health and dental insurance plan for you and your family depends heavily on your existing insurance coverage, whether through public healthcare or group benefits. We recommend reviewing the health insurance in your province so you know what you need to look for.

What’s included in PolicyMe health and dental insurance?

For families seeking the best affordable private health and dental insurance in Canada, PolicyMe offers four plans: Guaranteed Issue Economic, Classic, Advanced, and Dental Care. No medical exams or questions required— all applicants are accepted from ages 0-100!

PolicyMe’s Guaranteed Issue Classic and Economic plans have the highest value because they offer the most coverage per dollar paid, but Advanced and Dental Care plans have more competitive pricing. For most Canadian families, self-employed workers, and small business owners, we recommend the Classic or Advanced plans.

^{* For applicants in Ontario ages 21-44}

Key benefits of PolicyMe health and dental plans

How much does PolicyMe health and dental insurance cost?

PolicyMe’s Guaranteed Issue health and dental insurance is fairly competitive:

^{Rates are effective November 1st, 2025 for residents of Ontario and are subject to change.}

Can I claim private health insurance on my income tax?

PolicyMe health and dental insurance premiums are tax-deductible for self-employed workers, incorporated business owners, and freelancers in Canada.

What’s included in PolicyMe replacement health and dental insurance?

Replacement health and dental coverage is best for individuals who are transitioning jobs or shopping for a new plan. As long as you’ve made (or will make) the switch in 90 days or less, you’ll qualify for PolicyMe’s Protect health and dental insurance plans.

Like PolicyMe’s guaranteed issue plans, Protect health and dental insurance requires no medical exam or questions, and accepts candidates from ages 0-100. It’s ideal for professionals who want to make a career change without losing health benefits for themselves and their families, and you can cancel anytime without fees or penalty.

^{* For applicants in Ontario between ages 21 - 44}

^{** Figures show the average difference between the maximum amount of prescription drug, dental, vision, paramedical, mental health, and emergency dental coverage able to be claimed within the first year of enrollment and the industry average for similar products}

Key features of PolicyMe replacement health and dental

How much does PolicyMe replacement health and dental insurance cost?

PolicyMe’s Protect Classic health and dental insurance offers the best savings, with rates up to 43% below the industry average (especially for children):

^{Rates are effective November 1st, 2025 for residents of Ontario and are subject to change.}

PolicyMe vs other health and dental insurance providers

Compared to other Canadian health insurance providers, PolicyMe has a much higher average customer satisfaction rating. Policyholders love the friendly and responsive team of advisors and find it straightforward to ask questions, use their coverage, and claim reimbursement.

Typically, the amount of coverage provided per dollar paid is low for cheap health and dental insurance plans and high for premium or enhanced ones. However, PolicyMe’s Guaranteed Issue Classic plan is an exception:

^{* For applicants in Ontario. Third-party quotes are accurate at the time of writing, but cannot be guaranteed beyond that.}

The downside is that PolicyMe offers fewer extras, like travel insurance, or optional add-ons such as hospital cash, hospital accommodations, or enhanced coverage options.

FAQ: PolicyMe health insurance

Methodology

About the data

PolicyMe’s scores and rankings are based on an independent, data-driven review of the best health and dental insurance plans in Canada. Our analysis combines 850+ quotes for 65 health and dental insurance products from 10 well-known providers, drawn from official websites and supplemented by ratings from Google, Reviews.io, Trustpilot, Insureye, and the Better Business Bureau.

About customer service ratings

We average the customer review scores of each company from Google, Reviews.io, Trustpilot, Insureye, and the Better Business Bureau to get an overall score out of 5.0. For financial stability, we record the grade given by a reputable credit rating agency such as A.M. Best, Morningstar DBRS, and S&P Global.

About value scores

For each product, we calculate the maximum amount of coverage claimable within the first year of enrollment, minus any deductibles, co-insurance, and co-payments. We divide this amount by the health insurance premiums charged to 13 different age groups.

We then rank the results on a percentile scale from 0.0 - 5.0, with 0.0 representing the lowest value compared to similar products, and 5.0 the highest. The scores above show the average yearly value for all policyholders between the ages of 0 - 100.

About coverage comparisons

For fairness and accuracy, we compare the maximum amount claimable during the first year of enrollment in each product to the industry average for similar products (and for similar coverage categories, if applicable). For example, the maximum annual prescription drug coverage offered by a replacement health and dental insurance plan will always be compared to the industry average for the same type of coverage offered by all replacement plans.

The results above show the average difference between the product’s coverage and the industry average coverage for prescription drugs, dental care, and vision, paramedical, mental health, and emergency dental services combined.

About the best provider rankings

The rankings for the best health and dental insurance providers in Canada are determined by adding each provider’s customer service score to the value score of its top-rated plan and arranging them in descending order.

Disclaimer

PolicyMe’s findings use unaltered data and are free from paid placements or sponsored influence. While we strive to keep our information up-to-date, we cannot guarantee the validity of third-party data. These results are intended as a helpful reference and not as a substitute for personalized financial advice.

Prices listed on this page are based on information available as of October 2025. The prices shown are for general reference only and may vary based on factors like your age, location, and product selection.