What’s the Best Health Insurance in Quebec?
Health insurance in Quebec 101
What’s covered by the government: The Quebec health insurance plan, Régie de l’Assurance Maladie du Quebec (RAMQ), covers medically necessary services performed by physicians; certain oral surgeries performed in hospitals; vision care for children, seniors, and those with income assistance or visual impairments; and a wide range of pharmacy services and prescription drugs.
Quebec is unique among Canadian provinces because it requires all residents to have prescription drug insurance, either through the Public Prescription Drug Insurance Plan (PPDIP) or a private insurance plan.
What’s not: RAMQ lacks coverage for most dental services as well as paramedical services and mental health care for most residents of Quebec.
What’s the best health insurance in Quebec?
We’ve identified the best health insurance in Quebec by evaluating 65 products from 9 insurers in 3 categories:
- Customer service averages the scores given in real customer reviews on Google, the Better Business Bureau, Trustpilot, and Insureye.
- Financial stability reports the grade given by reputable credit rating agencies A.M. Best, Morningstar DBRS, and S&P Global.
- Value for money measures how much coverage you can claim in return for every dollar paid in co-payments, premiums, and deductibles.
The result is a definitive ranking of the best health insurance plans for self-employed workers, seniors and everybody else in Quebec.
* Prices reflect the approximate costs for residents in the relevant age group in Quebec. They were last updated October 20th, 2025.
1. Guaranteed Issue Classic from PolicyMe
Why it’s the best: The best private health insurance plan is one that offers comprehensive coverage without overcharging for healthcare services you won’t use. For many Quebec residents, PolicyMe’s Guaranteed Issue Classic plan will hit that sweet spot, with reliable coverage in most areas without inflated premiums.
The Classic plan may be a particularly good fit for self-employed Canadians or families with a range of distinct medical needs, from basic vision care to major dental work, hearing aids, speech therapy, and mental health services.
Premiums start around $147.48/month for applicants ages 21-44 in Quebec.
2. Personal Health Insurance Enhanced Plan with Dental from Sun Life
Why we chose it: For those with a larger healthcare budget and higher medical care needs, Sun Life offers a premium health insurance plan that can supplement public health insurance for residents of Quebec. If you or your family members regularly access a wide range of medical care that’s not covered by the RAMQ provincial health plan, Sun Life’s robust coverage might be worth the investment.
Premiums start around $156.47/month for applicants ages 18-44 in Quebec. If you choose not to include dental coverage, premiums start at $95.75/month.
3. DrugPlus Plan from Manulife
Why we chose it: If you’re looking for a simplified private plan that targets prescription drug coverage without a lot of bells and whistles, Manulife’s DrugPlus plan could be a good option. Because it doesn’t include dental insurance and offers less coverage than competitors for things like paramedical services and mental health care, some individuals and families may be able to avoid overpaying for services they’re not using while still getting robust prescription drug coverage that can supplement RAMQ’s benefits.
Premiums start around $91.50/month for applicants ages 18-44 in Quebec.
If you’re trying to save money on healthcare but don’t want to drop dental and other key benefits, PolicyMe’s Guaranteed Issue Economic plan is one of the cheapest health insurance plans in Canada while still offering coverage in all key areas.
What’s the best health insurance for seniors in Quebec?
Seniors in Quebec receive limited additional health benefits through RAMQ: a yearly vision exam for all adults aged 65 and older and extended prescription drug coverage for seniors receiving 94% or more of the Guaranteed Income Supplement.
But seniors’ medical needs go well beyond prescription drugs and vision care, and for those not receiving income supplements, RAMQ doesn’t offer additional coverage. What’s more, many retirees and other seniors are on a fixed income, meaning that low-cost health insurance coverage is a must.
For seniors in Quebec, private health insurance plans should be cost-effective and offer robust coverage in the areas they need most — whether that’s dental care, paramedical services, or extended health benefits. If you don’t need extended healthcare services like home care or medical equipment, PolicyMe’s Guaranteed Issue Economic Plan, which starts at $137.89/month for seniors in Quebec, may be a good fit. Or, if you need a high level of coverage, the Guaranteed Issue Advanced Plan includes robust benefits across all areas of care with premiums starting at $233.49/month without a medical exam requirement.
Methodology
There are many points to consider when choosing a health plan and provider, which we boiled down to three essentials:
Because the Canadian insurance industry is so highly regulated, we take each company's Financial Stability score as a given. Our rankings are based on each company's Customer Service score plus the Value for Money score of its highest-rated plan in the relevant category.
How much does health insurance in Quebec cost?
On average, Quebec households spent roughly $2,870 in out-of-pocket healthcare costs in 2023, according to Statistics Canada.
By opting for a private health insurance plan like PolicyMe’s Guaranteed Issue Classic plan, residents of Quebec could save $1,559 or more each year in medical costs not covered by the RAMQ provincial health plan.
As for what you’ll pay, here’s a comparison of monthly health insurance quotes for the top 3 health insurance policies in Quebec:
* Prices reflect the approximate costs for residents in the relevant age group in Quebec. They were last updated October 20th, 2025.
What does the Régie de l’Assurance Maladie du Quebec (RAMQ) cover?
Quebec’s health insurance plan, the Régie de l’Assurance Maladie du Quebec (RAMQ), covers the following medically necessary services for all residents with a valid health insurance card:
The provincial government covers most of the cost of ambulance transport for residents, but patients are responsible for a base fee of $125, along with an extra $35 for any additional person being transported and $1.75 per kilometre of travel.
Medical services covered by public insurance coverage in Quebec are generally covered for those with a valid health insurance card when traveling outside of the province or outside of Canada, but in most cases RAMQ will only reimburse a portion of the cost.
The table below gives more information about specific areas of drug, dental, vision, and extended health coverage under RAMQ.
The province also offers the following extended health benefits for Quebec residents in low-income households:
How to find the best health insurance for you
No single health insurance company offers the best plan for every resident of Quebec. To determine which plan is the best option for you and your family, follow these steps:
- Review your current coverage: Do you have a valid and up-to-date health insurance card? Are you enrolled in any government programs or workplace group benefits plans that you or your partner are eligible for?
- Take stock of your current healthcare spending: Go back through your accounts, receipts, and other records to tally up the total amount you spent in the last 12 months on health expenses not covered by insurance.
- Project your future healthcare spending: Do you expect to spend roughly the same amount on healthcare in the next 12-24 months, or do you anticipate needing any major procedures that aren’t covered by RAMQ, such as major dental work, physiotherapy, or speech therapy? If possible, estimate the total cost of any planned or expected medical services.
- Calculate your coverage gap: Add up the total amount of your healthcare spending for the last 12 months along with the projected cost of non-covered procedures or treatments you expect to need in the next 12-24 months. Divide the total by 12 to find your average monthly health coverage gap.
- Research plans and request quotes: Once you understand where your healthcare spending is focused and how significant your coverage gap is, you can look for private health insurance plans that match the type and amount of coverage you need. Request health insurance quotes from these companies and compare the results with your calculated monthly coverage gap.
Through these steps, you can find the private health insurance plan with the best coverage for you and your family while maximizing the impact to your healthcare budget.
FAQ: Best health insurance in Quebec
Kathleen Flear is the Director of Content Marketing at PolicyMe. With seven years’ experience creating insurance and financial-planning content and leading editorial teams, she focuses on clear, helpful guidance that empowers Canadians and strengthens their financial well-being.
Kathleen Flear is the Director of Content Marketing at PolicyMe. With seven years’ experience creating insurance and financial-planning content and leading editorial teams, she focuses on clear, helpful guidance that empowers Canadians and strengthens their financial well-being.
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.