Covering Your Parents With Health Insurance in Canada

Elderly man using a phone with his daughter.
December 14, 2020


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Your parents have taken care of you your entire life. Now, it’s your turn to take care of them. If you live in Canada, purchasing a health insurance plan for your parents is a great way to support your family whenever they need it the most.

Health Insurance for Parents Over 60

Both you and your parents can benefit from getting an extended health care plan. Especially if they’re over 60 years of age, knowing your parents are insured will give you peace of mind. And, if they ever need to use that insurance, it will help cover the costs of medical bills, freeing everyone up to focus on what matters most — them.

What does parent health insurance cover?

Parent health insurance provides coverage for everyday and emergency needs, like:

  • Dental care
  • Contacts and glasses
  • Massage therapy
  • Chiropractic care
  • Physiotherapy
  • Prescriptions
  • Road & air ambulance
  • Private and preferred hospital rooms
  • Medical equipment
  • …and much more!

What Are the Risks of Not Getting Coverage?

If your parents are uninsured and the unexpected happens, you or they could be on the hook for any expensive medical bills and associated costs. If they’re under-insured, you or they may not be able to afford to cover the essential, but expensive, additional treatment costs. These are things that aid in recovery but extend beyond what’s covered by the Manitoba Health plan, like wheelchairs, rehabilitation, and additional therapies.

Purchasing extended health coverage ensures that your unplanned health expenses are covered and that your parents get the care they deserve.

Parent Health Insurance FAQs

You asked, we’re answering:

Can I purchase a health insurance plan for my parents?

Yes, you can. Provide us with their full names, their dates of birth, their address(es), and a completed medical questionnaire, and we’ll take care of the rest.

Get in touch with us to start this process.

Can I add my parent(s) to my health insurance if I live in Canada?

Unfortunately, no. In Manitoba, every household must have its own, separate policy for extended health coverage. What you can do is purchase a separate policy for your parents.

Get in touch with us to start this process.

Can I purchase health insurance for my parents who are visiting Canada?

Yes! You can purchase visitor health insurance for your parents while they visit Canada, as long as they’re 80 years old or younger. We highly recommend this option, because if they aren’t covered and something unexpected happens during their visit, their hospital bills will can up quickly.

Note: If your parents are Canadian citizens who are moving back to Canada, and if they don’t currently have provincial health coverage, you can purchase a Visitor to Canada policy to cover them until their provincial health coverage kicks in.

The Best Health Insurance for Elderly Parents

There are many health insurance options available for elderly parents. Depending on their age, needs, circumstances, and budget, your insurance company will customizable a plan that works for both you and them.

We’ll help you help them.

If you’re looking to purchase health insurance for your parents, get in touch with us. We’ll answer your questions, and one of our Insurance Consultants will help you figure out exactly what’s best for your family.