If you're moving to Canada from the United States, it's likely that you have a lot of questions about health insurance in Canada. You might be wondering whether or not Canada's health care is free. If you're looking for more information about Canadian health care, you'll be able to find some answers here.

Everyone In Canada Is Insured

No one in Canada is uninsured. Everyone is able to get health care when they need it. Because Canada has government-provided health insurance, every individual in Canada has access to health care, regardless of their net worth.

Insurance Laws

Even though insurance laws in the United States have changed, there are still many people out there that are uninsured. Because of this, people are often surprised when they come to Canada and see that every single person has access to health care.

Insurance Is Funded By Taxes

Obviously, everything has to be paid for in some way. Health insurance in Canada is funded through taxes. The money from taxpayers is used to provide many things, including schools, safe roads, and health care.

The taxes in Canada aren't unusually high, but it's a smart idea to look at tax rates before moving to the country. That way, you'll have a better picture of what you're paying in taxes. You'll be able to see if your taxes will be increasing or decreasing on the whole. Most residents are happy to know that their taxes are being used to provide services that they actually use.

Some People In Canada Pay For Insurance

Even though everyone that lives in Canada has access to health care, there are still people that pay for additional insurance. Why do people choose to do this? While every individual has their own reasons, there are a few reasons that people opt to purchase additional insurance coverage.

One of the main reasons that people decide to buy extra insurance in Canada is because they want to be able to see specialists. Separate insurance policies may cover care that isn't covered under standard insurance plans. There are also people that purchase travel insurance so that they can receive care when they're abroad.

Supplemental Insurance In Canada Can Be Very Affordable

Since it isn't essential for people to buy health insurance in Canada, the rates for insurance aren't as high as you might think. In fact, some people are shocked when they see how reasonable the prices are.

Insurance companies want to incentivize people to purchase coverage, which is why they tend to make their rates competitive. If you think that extra insurance isn't worth the cost, you might want to take a closer look. You might be able to get a lot for your money.

Canada does provide free health care to all residents. While this coverage is paid for by taxes, you have access to health care even if you are unemployed. With that said, some people in Canada opt to pay more for additional coverage. It's best to learn more about this before moving to Canada.


There are many countries in the world today that provide what is called universal healthcare. Some of these countries have been doing so for well over 100 years. This type of coverage will allow their citizens to go to doctors to get treatments, as well as get prescription medications, free of charge. Of course, they are paying for this health insurance through their taxes, but by comparison to paying for health insurance as they do in the United States, it is a much more cost-effective solution. In the country of Canada, they have been offering single-payer universal healthcare since 1966. However, there are those that may actually pay for their health insurance to some degree. This is an overview of how much it will cost for Canadians to have health insurance.

How Much Does Health Insurance Cost In Canada?

The cost of health insurance for each individual, taken directly out of their taxes, comes out to $2000 Canadian money. When extrapolated to a monthly cost, this comes out to just over $160 per person per month. If they were to visit a doctor or have a procedure done, all of this would be covered by the policy. However, some things are not covered by this universal healthcare which is why many Canadians will pay for additional health insurance coverage.

What Is Not Covered By Universal Healthcare In Canada?

Similar to many universal policies throughout the world, the health coverage provided through the Canada Health Act will not cover dental care, long-term care, or prescription drugs. In order to get coverage for these things, additional coverage must be purchased. This can be obtained from many companies that offer this secondary insurance which will cover all of those things and more. By getting quotes from each company, you can see exactly how much it will cost, what the deductible will be, and your monthly premiums.

Total Cost Of Health Coverage In Canada

The average person in Canada, as stated before, pays about $2000 Canadian money for universal healthcare out of their taxes. Supplemental plans will cost, on average, about $4000 per person. In total, Canadians will pay about $500 Canadian money for health insurance, of which about $330 per month will come out of pocket. For young people that are single, this could be a sizable investment, whereas older people with many medical problems will see this as a cost-effective solution.

Although many countries throughout the world offer universal healthcare, they will not always cover everything. Places like the UK have even more comprehensive policies that cover all appointments, treatments, and nearly every prescription drug you can get with a prescription. If you are in Canada, and you don’t go to the doctor that often, the universal healthcare that is free will likely be enough. However, you always have the option of getting supplemental Canadian health insurance that can help pay for expensive long-term health care, dental work, and prescription medications that you may need to use on a regular basis.

With the increasing instability in the nation in the form of pandemics, neighborhood violence, civil unrest, etc., the need for life insurance is looking more appealing to many Americans.
But life insurance has always served as a type of insurance policy for loved ones left behind in the event of an unfortunate situation that results in the demise of another family member or loved one.

Until recently, due to the covid19 pandemic and other life-altering issues, life insurance has become more popular and gained more appeal. But like every other form of insurance, life insurance comes with its own policies and terms and these vary in different ways.

For example, some policies won’t cover you if you meet an untimely demise by doing something you knew to be high risk. Or if they do cover you, it will greatly increase your insurance premiums.

The simple truth of the matter is that certain activities that increase your risk of death or injury while performing them can also result in you paying higher insurance rates or being deemed uninsurable.

Airsoft can be considered a high insure sporting event not necessarily because of the possibility of death but because of the high risk of injury to certain parts of the body like the eyes.


Airsoft’s Safety Concerns.

 To be honest, airsoft is relatively safe compared to other sports like sky diving, car racing, boxing, football, etc. The risk of death or injury in these kinds of sports is pretty high in comparison to airsoft.

For example, in the case of sky diving, just one mistake or mishap could cost you your life, and you could end up as a big unrecognizable stain on some street corner, or in a parking lot, or maybe even on someone’s roof or in someone’s kitchen or living room.

Mountain climbing is another sport with a high risk of death while participating. Just one mistake and you could go tumbling thousands of feet down the mountain at a high rate of speed only to end up in a lifeless crumpled heap at the bottom.

Boxing and football are similar in terms of high risk. Just one well-placed punch in boxing could cost you your life or end your career. Football is a high risk also, and you could suffer a career-ending spinal injury from just one mistake, not so with airsoft.

The risk of death or paralysis is pretty low, but the risk of eye injury is high and does exist because, in airsoft, the eyes are normally exposed. So your insurance may not be as high in comparison to the other sports or hobbies, but they are sure to increase somewhat because of this risk factor. Investment in a full face mask could also serve to ensure your sports accident insurance rates are kept at a reasonable level.



Low And High-Velocity Airsoft Guns.

Airsoft guns come in different power ranges in terms of the velocity they propel the BB or projectile at. Some insurance companies may take this into consideration when determining your insurance rates.

For example, low-velocity airsoft guns have a lower FPS (feet per second) velocity than higher velocity airsoft guns. This is important because lower velocity guns are less likely to result in serious eye injury when used.

“While higher velocity airsoft guns can result in more significant eye injury if the projectile strikes the eye, the possibility of penetration is increased based on the projectile’s velocity. Lower velocity guns are less likely to do serious penetration damage, whereas higher velocity guns can do more damage. You must be wearing the right size mask for your face and the type of playing field you will in.” Says Scott Savoy of Airsoft Tribe.

You may want to emphasize this to the insurer while getting insured while also clearly explaining the velocity of the gun you will be using while engaging in airsoft activities. Not to mention you will also be investing in a full face mask for protection to ensure your safety while participating. This may help to lower your insurance rates. Some insurance companies require that you use full face protection before they will insure you.

Much of the FPS information should be contained in the instruction and operations manual. You can actually find many of the lower velocity spring-operated guns at retailers like Walmart. While many of the higher velocity guns can be purchased directly from legitimate airsoft retailers.



Airsoft’s Impact On Life Insurance Rates.

While your sports accident insurance rates in regards to injury are sure to increase, I’m not sure if the rates in regards to life insurance coverage will as there is no significant risk of death while engaging in the sport. They may increase slightly but probably not significantly.

 An increase in life insurance rates is more applicable to sports or hobbies with a higher risk of death. Higher risks sports or hobbies like boxing, football, car racing, cliff diving, deep-sea diving, mountain climbing, heli-skiing, etc., would all be considered high-risk sporting events that have a high probability of death or serious injury when participating.

 Airsoft, fortunately, does not come with the same risk of death. The most serious injury associated with airsoft sports is ocular damage as a result of the projectile striking the eye. Because of this, it probably won’t seriously impact your life insurance rates, but it could serve to increase accident insurance rates.

But there are certain situations where it could affect your life insurance rates, and that’s as a result of using airsoft guns in an irresponsible manner. Like, say, for instance, openly brandishing an airsoft gun in public, especially if the gun looks eerily similar to a real gun.
This could certainly increase your risk of death because an officer could get a call informing them that a person is openly brandishing a handgun, at which point a police officer could respond to the call, and this could result in you getting shot or losing your life.

This could certainly increase your life insurance rates if the insurance company is aware that you have openly brandished the gun in public. There are a few other scenarios where similar actions or behavior could impact your life insurance rates. As it relates to these kinds of situations, your life insurance rates could certainly increase.



If things have gone smoothly in your life recently, prepare for the worst. Usually, that is a sign of bad things to come. In fact, this isn’t just putting sending bad luck your way, this is a universal law known as Murphy’s law.

All in all, Murphy’s law states that what can go wrong, will eventually go wrong. Returning to the original point, that is why it is important to prepare for the worst. Other people would even argue that not preparing is preparing to fail.

With all of that said, one of the best ways to prepare for any life mishap is by insuring yourself. One of the good things about insurance agencies is that they do a good job of covering a large area that includes life insurance, dental insurance, and everything else in between.

That’s why it’s no surprise to hear that insurance agencies are in an industry that is worth over $1 trillion. For that matter, it doesn’t seem like the industry is slowing down.

If anything, it’s growing at a faster rate than ever before. Nonetheless, with all of this in mind, let’s take a look at the top 4 insurance agencies in Atlantic Canada.


#4: GMS Health Insurance

Let’s be honest for a second, insurance agencies have to cover a lot of ground. From meeting client needs in a timely manner to agency reputation and ratings, the amount they have to handle is impressive, to say the least. However, if it came down to one important quality, that quality has to be customer care and attention. Well, with GMS Health Insurance, that is by far there best quality. They have worked under a reputation for providing the highest quality customer service for some time now.


#3: GreatWest Life

For the insurance company GreatWest Life, if we had to describe its best feature it would be adaptable. GreatWest Life is well-known for meeting the needs of people in different situations. As far as how they do so, they do it through a focus on two main insurance coverage packages. The two packages are Enhanced Care and Plan Direct.


#2: Sunlife Financial

At Sunlife Financial, they are all about extended healthcare. In other words, they make it extremely easy and beneficial for entire generations of families to stay on the same plan. Not only does this help save money but, it also contributes to limiting any hassle that other insurance agencies make their clients go through. Overall, it is one of the easiest family insurance agencies in all of Atlantic Canada.


#1: Blue Country Insurance

At number one, we have the insurance agency Blue Country Insurance. What makes them special and different from any other insurance agency is there unique Flexcare Health, Life and Dental Package. They have garnered quite the following from that package alone. Apart from that, they are one of the most flexible insurance agencies around. They are able to fit into the schedule of any client for any reason. More than anything, they pride themselves in working for the client, not the other way around, very personal and one on one.

Insurance Agencies as A Whole

As a whole, there is no perfect choice when it comes to insurance agencies. Each insurance agency has their unique features that are going to attract different clients. For the most part, it’s going to come down to personal preference and situation. That being said, we have to remember that the main goal of getting insured is to prepare for the worst that will eventually come. It’s an unavoidable reality of our lives. So, if you are able to prepare ourselves for when the time comes, there is no doubt that it will save you some valuable time and money.