Individual Insurance in Ontario
No group plan? We connect Ontario residents with licensed advisors who find the right health, dental, disability and life coverage for you and your family.
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Individual Health, Dental and Life Insurance
Not everyone has a group plan. Self-employed people, contractors, retirees, people between jobs and many employees of small businesses need to arrange their own coverage.
Individual insurance is sold by life and health licensed advisors, and plans differ widely in what they cover and who they accept. We connect Ontario residents with advisors who compare options and explain the trade offs clearly.
Connect NowHow CommercialInsurance.ca works
We are not an insurer or an advisor. We find you the right one.
Matched by need
We connect you with an advisor who works with businesses and families like yours.
Licensed life and health advisors
Life and health insurance advisors in Ontario are licensed by the Financial Services Regulatory Authority of Ontario (FSRA).
Fast follow up
Once we receive your information, a professional in our network will connect with you within 24 hours.
No cost to be matched
Our referral service is free. You deal directly with the advisor for quotes and coverage.
Find the right guide
Start with the situation that describes you.
Self-employed health insurance
Health, dental, disability and tax options when you work for yourself.
Lost your group benefits?
What to do after a job change, retirement or aging off a parent’s plan.
Health spending accounts
For business owners who want to pay health costs with pre-tax dollars.
Personal health and dental
Prescriptions, dental, vision and therapy when you have no group plan.
Life insurance
Term, whole and universal life to protect your family.
Disability insurance
Replace your income if illness or injury stops you working.
Critical illness insurance
A tax free lump sum on diagnosis of a serious illness.
Super visa insurance
IRCC compliant coverage for visiting parents and grandparents.
Visitors and newcomers
Emergency medical coverage for visitors and people not yet on OHIP.
Types of individual coverage
Health and dental
Prescription drugs, dental care, vision and paramedical services that OHIP does not cover.
Disability insurance
Income replacement if illness or injury keeps you from working.
Critical illness insurance
A lump sum payment if you are diagnosed with a covered serious illness.
Life insurance
Term and permanent coverage to protect your family, mortgage or business.
Individual Insurance FAQs
Who needs individual health insurance?
Anyone without group coverage who wants help with costs OHIP does not cover, such as prescriptions, dental and paramedical care. That includes self-employed people, retirees and people between jobs.
Is individual health insurance expensive?
Premiums depend on your age, the plan and whether it is medically underwritten. Basic guaranteed acceptance plans are usually the least expensive, while comprehensive plans cost more.
Can I be declined?
Medically underwritten plans can decline applicants or exclude conditions. Guaranteed acceptance plans and plans for people leaving a group plan do not ask medical questions.
What to expect from a benefits advisor
A licensed advisor handles the details so you can make a clear decision.
1Discovery call
Share who needs coverage, what matters most and your budget. For businesses, bring your current plan and renewal if you have one.
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2Plan design
Your advisor recommends coverage levels and cost sharing that fit your needs, and explains the trade offs in plain language.
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3Compare insurers
Your advisor gathers quotes from multiple insurers and compares price, coverage and service side by side.
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4Enrol and support
Once you choose, your advisor handles the application and enrolment, and stays available for claims questions and renewals.
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5/5 rating on GoogleThe Commercial Insurance Difference: Feedback from those referred
Proactive Broker Relationship.
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