Keeping healthy is very important no matter what your age is. Sometimes, even if you eat the healthiest food and work out everyday, you can still get sick.
This is why health insurance is very important. It helps you save money even if you get suddenly sick or hospitalized.
With insurance, there will be less unexpected spending because you’ve already prepared yourself.
How much does Health Insurance cost in Ottawa?
In Canada, the average monthly healthcare insurance for a family is around $157. We created the table below for you to check out. It contains the best health insurance companies in Ottawa and their available packages and prices so you can compare and choose which ones are best for you.
|NAME OF COMPANY||TOP INSURANCE OFFERED||ESTIMATED MONTHLY PRICE|
|Life Insurance Ottawa - Personal, Health and Group Insurance||Health Insurance||Starts at around $155|
|Life Insurance||Starts at $15 for $100,000 coverage|
|Finance Consultation||Starts at $160 per hour|
|Red Helm Insurance||Health Insurance||Starts at around $120|
|Disability Insurance||$11 per $1000 coverage|
|Life Insurance||Starts at $12 for $100,000 coverage|
|Mosley Group Benefits Inc.||Personal Insurance||Starts at $150|
|Business Insurance||Starts at $410|
|Consultation||Starts at $120 per hour|
|Term/Mart Insurance Agency Ltd.||Health Insurance||Starts at $110|
|Term 10 Insurance||Starts at $15|
|Life Insurance||Starts at $15|
|Xeed Financial Group||Health Insurance||Starts at $120|
|Family Health Plan||Starts at $160|
|Critical Illness Insurance||Starts at $25|
The Best Health Insurance in Ottawa
We understand that anyone with a family just wants the best for his or her loved ones. With that being said, we know that it’s important to make sure that the insurance providers on our list are the best choices for you.
To do that, we looked at numerous candidates and the following criteria were used to determine if they’re worthy to be in our list:
1. Life Insurance Ottawa
|SERVICES||Health Insurance, Group Insurance, Life Insurance|
|ADDRESS||1730 St. Laurent Blvd Suite 800, Ottawa, ON K1G 5L1, Canada|
|OPERATING HOURS||Monday - Friday: 9:00 AM - 6:00 PM|
Saturdays: 9:00 AM - 4:00 PM
Closed on Sundays
|Past Clients||★★★★★ (5/5)|
Life Insurance Ottawa is in this list because of the variety of options they are able to provide. Serving not just Ottawa, but also Nepean, Kanata, and Orleans, this company is definitely one of our best options for health insurance.
For their insurance options, they offer health and dental insurance, long term care insurance, disability insurance, and critical illness insurance.
Their most basic package for health insurance has very good coverage already. It includes hospitalization, medicine coverage, ambulance fees, and even emergency travel.
Another thing we appreciated with Life Insurance Ottawa is their specialty on group and family plans. They have insurance packages that can cover the whole family but of course, this will be more expensive than your usual single insurance.
For example, their basic health insurance package starts at around $155. This gradually increases when you include someone else in your package.
So let’s say you have a family of three, and you want the other two to join your insurance package, the price will increase. The pricing increases depending on the age of the people included in your package.
The specific pricing is tricky so it’s suggested that you call them for more information.
Life Insurance Ottawa also covers insurance needs for education and they also have short-term insurance policies for those who can’t afford the longer-term plans.
Overall, Life Insurance Ottawa is definitely a good choice for your insurance needs. The multiple options they provide makes them accessible for every type of citizen.
“I was looking for more information on a specialty product, and after unsuccessfully making inquiries with two other brokers who couldn’t hang up fast enough when they realized they weren’t going to make any money off of me, Life Insurance Ottawa took the time to not only obtain the relevant personal information & provide a basic quote, but also to explain the product in detail and suggest alternative strategies for my situation. In a world where customer service has seemingly gone AWOL, this place is a breath of fresh air..” – Dave M.
“Gord responded to our request for a quote quickly and talked us through our family’s life insurance needs, providing thorough explanations and answering all our questions. Would highly recommend it!” – Allie V.
2. Red Helm Insurance
|SERVICES||Health Insurance, Disability Insurance, Life Insurance, Travel Insurance, Expat Health Insurance, Non-Resident Health Insurance, Group Benefits|
|ADDRESS||116 Albert St #300, Ottawa, ON K1P 5G3, Canada|
|OPERATING HOURS||Monday - Thursday: 9:00 AM - 6:00 PM|
Fridays: 9:00 AM - 4:30 PM
Closed on Sundays
|Past Clients||★★★★★ (5/5)|
Red Helm Insurance was founded in 2011 as a small, external entity. Mr. Stephane Perron, the company’s owner and originator, later learned financial planning and started teaching it to others.
What we like about Red Helm Insurance is they are able to create a customized offer for their clients. That means their packages aren’t just the same deals over and over again.
With these customized offers, they are able to provide unique deals for clients who can only afford specific coverage. For example, if you can only pay for a small coverage in your medicine needs and dental, they can help you sort it out.
Of course they still have a minimum charge but this is definitely a beneficial change for anyone trying to lessen their financial costs. Health insurance is expensive but with the way they split coverages, it makes it more accessible for everyone.
It is also good that Red Helm is able to provide multiple options for their insurance services. The company is able to provide health insurance, disability insurance, life insurance, travel insurance, and even expatriate health insurance.
The expatriate insurance that gives financial security to someone who isn’t in his or her own country is really inclusive and we appreciate it. This is a great option for those of us who travel a lot.
Even if you are in a different country, the expatriate insurance will take care of check-ups, doctors appointments, and emergency hospital trips. The pricing for this will depend on how long you’ll stay in a different country so it’s better to consult them regarding the specifics.
Red Helm Insurance’s customizable health coverage and expatriate insurance gives us the idea that they are versatile and are able to help all kinds of people.
Any company who is as inclusive as Red Helm is all right in our book and they should be in yours too. If ever you’re in need of insurance, do give them a call for a more specific quote.
“Very happy with the service I received from Red Helm. Stephane (my insurance broker) was quick to respond to my emails or give me a call. A rare thing nowadays! He’s very knowledgeable and took the time to address my questions/concerns at length. Unparalleled in quality and highly professional! Would absolutely use Red Helm again and highly recommend them to my family and friends. – Vanessa B.
“Stephane Perron is my “health benefits specialist”. He is awesome! ALWAYS responds to my questions promptly and provides me with all the information I need. I was a little nervous about choosing the ‘right’ insurance for my family but I’m very happy with This company and it’s mostly because of how helpful Stephane is. I would highly recommend him if you’re looking for someone knowledgeable and efficient. – Lynda Tiveron
3. Mosley Group Benefits Inc.
|SERVICES||Personal Insurance, Business Insurance, Consultation|
|ADDRESS||1000 Innovation Dr Suite 585, Kanata, ON K2K 3E7, Canada|
|OPERATING HOURS||Open 9:00 AM - 5:00 PM|
Closed on Weekends
|Past Clients||★★★★★ (5/5)|
It’s in the name. Mosley Group Benefits Inc. is an insurance company that specializes more on group insurance. With over 15 years of service in the industry, this company has definitely made a name for themselves.
It is worth noting that they mostly work with companies who give insurance to their employees. They are definitely a better choice if you have your own business that needs proper heath and financial security for its employees.
What we like about Mosley Group Benefits Inc is they also teach companies how to properly take care of their employees. With the insurance benefits they offer, a company’s employees are set and should be able to handle basic medical and health-related concerns.
Their basic health coverage already takes care of dental, medical, and even travel insurance for a company’s employees. They also have an online system where beneficiaries can check their coverage anytime and learn more about the packages they have purchased.
Overall, the Mosley Group Benefits Inc. is another good choice for your insurance needs especially if you are running a company. If you’re just a single entity, this may not be the best option for you.
They still offer insurance for individuals in case you’re thinking of purchasing from them but they mostly work with companies who want their employees insured.
“We are delighted to work with Gavin Mosley and Mosley Group Benefits. We are a small business and he took the time to explain our employee group benefit options and the plan that would work best for us. Moreover, he introduced us to several healthcare platforms which are very convenient. We highly recommend them.” – Paula Clancey
“Gavin has proven time after time how knowledgeable he is with Benefits. Always there when you need him with very quick responses”. – Sandi Nixon
4. Term/mart Insurance Agency Ltd
|SERVICES||Term Insurance, Whole Life Insurance, Universal Life Insurance, Disability Insurance, Critical Illness Insurance, Long-Term Care Insurance, Segregated Funds, Life Annuities|
|ADDRESS||370 Churchill Ave N Suite 201, Ottawa, ON K1Z 5C2, Canada|
|OPERATING HOURS||Open 8:30 AM - 4:30 PM|
Closed on Weekends
|Past Clients||★★★★☆ (4/5)|
Term/mart Insurance Agency Ltd is another good choice for your insurance needs. This company was founded by Carl Eppstadt, an insurance broker, in 1978.
They specialize more in corporate life insurance. Part of the health-related services they offer are disability and illness insurance policies.
What we like about Term/mart is that they consult with you on what type of health insurance you would prefer or need. This gives you the chance to specifically choose the benefits you would prefer to have.
They are open for consultations and would deliberate on how to give you the best health coverage you can afford. The price will be based on the budget you’ve discussed with them which is always appreciated especially for those who are not so well-off.
Term/mart Insurance Agency Ltd also gives term-based health insurance.This means that they offer health insurance packages that last for a short amount of time.
For example, if you have an important event that will last a month and will stress you out and may even cause your health to deteriorate, you can contact them for a 1 month term-based insurance.
Anyone who is still not sure about getting health insurance or scared of how much it will cost monthly should have no problem dealing with Term/mart Insurance Agency Ltd because of this term-based coverage.
Term/mart Insurance Agency Ltd is another decent choice for anyone looking for insurance options but don’t have the biggest budget. This plus their corporate speciality tells us that they are able to work both with ordinary people and people with bigger pockets.
5. Xeed Financial Group
|SERVICES||Individual & Family Health Plans, Disability Insurance, Critical Illness Insurance, Long Term Care Insurance|
|ADDRESS||116 Albert St Suite 200, Ottawa, ON K1P 5G3, Canada|
|OPERATING HOURS||Open 9:00 AM - 6:00 PM|
Closed on Weekends
|Past Clients||★★★★★ (5/5)|
The Xeed Financial Group is another insurance provider that specializes in group or family health insurance. They understand that a lot of people are unemployed and have a hard time looking for a job so they offer a family health plan that can help with that.
Their family health plan is quite a step in the right direction for anyone unemployed but looking for insurance. With this option, you are able to join in with your family’s insurance and you can be covered even if you are still unemployed.
Of course, this plan would be much more beneficial if you have the job to pay for it but even if you can’t, you can still be a beneficiary through a family member. This is a good choice for those who have just graduated from college and are still looking for a stable job.
Their family health plan covers quite a lot, including medicine, life insurance, travel insurance, and even dental. This is a really good deal if you are able to convince a family member to accept it, they will benefit from it and so will you, even if you are still unemployed.
Another thing we like about the Xeed Financial Group is that they are able to serve places outside of Ottawa. Their coverage can be applicable to other locations as well which is a very good thing in case of health problems or accidents out-of-town.
Overall, the Xeed Financial Group is another good option for your insurance needs. They specialize in family plans but are able to provide individual health plans as well so check them out.
FAQs about Health Insurance in Ottawa?
Choosing the right health insurance provider for you is not as easy as it sounds. Finding the right company is very important. We’ve selected the best options in the city so you can compare them and their benefits.
Do you feel we chose the top options in the city? Do you have any other recommendations? We’d love to hear what you have to say! Want to avoid the risk of health problems? Check out 5 tips for a heart-healthy lifestyle!