Figuring out private insurance on your own can quickly turn into a time-consuming chore. With dozens of different plan structures, rules, co-pays, and exclusions across the Canadian market, it is hard to know if you are truly getting good value for your money.
Working with our licensed, independent insurance brokers in Toronto entirely changes the experience. Because SBIS does not work for any single insurance company, our only priority is to help you track down the specific policy that fits your real-world lifestyle and budget.
Whether you are a self-employed contractor without workplace perks or a recent retiree mapping out your next chapter, our experienced brokersbrokesr shield you from expensive out-of-pocket bills. We evaluate policies from multiple top carrierscarriers’ side by side, giving you the clear, unbiased guidance you need to make a confident choice.
As your dedicated insurance broker in Toronto, we bridge the gap between you and the country’s premier insurance companies. We give you instant access to highly customizable personal plans from top-tier carriers, including:
While Ontario’s provincial OHIP plan takes care of major hospital stays and primary doctor visits, it leaves out a massive portion of your family’s regular wellness expenses. Paying out of pocket for your regular prescription drugs, physical therapy, chiropractic treatments, and psychological counseling can create intense financial pressure over the course of a single year.
By matching your specific needs with top insurance packages, you can secure a personal medical framework built to keep your day-to-day healthcare expenses predictable. Here are three highly dependable plans we frequently recommend to bridge these provincial funding gaps:
Going to the dentist in the local area is expensive without a private policy. A standard cleaning and checkup easily runs over $150, a basic filling costs between $200 and $450, and complex structural work like crowns or bridges frequently crosses $1,300 out of pocket.
Our insurance brokers in Toronto, Ontario help you evaluate several dental packages to convert these high, unpredictable bills into a single, manageable monthly premium. Here are some of the popular plans we offer:
With these policies, you’ll never have to delay necessary dental work due to an unexpected price tag.
Many commuters do not realize that provincial health coverage stops at the border. If you get sick or have an accident outside Ontario, OHIP covers very little, and outside Canada, it covers virtually nothing. A sudden emergency hospital stay in the United States can easily cost $10,000 a day, while an emergency medical flight back home can scale into six figures.
We offer flexible travel plans from leading specialists like Destination Travel Group, TuGo, Manulife, and Tour Med to keep your next trip completely safe.
Securing the right travel coverage before you leave the province gives you complete peace of mind so you can focus on enjoying your time away.
Finding the right coverage does not have to be a stressful or confusing experience. When you choose to partner with our insurance brokers in Toronto, Ontario, you get the full backing and support of a seasoned Canadian brokerage. We take immense pride in providing a highly personalized, consumer-first experience built around these core operational pillars:
Our ultimate goal is to build a lasting professional partnership that gives you complete peace of mind through every major milestone in life.
Finding dependable health, dental, or travel coverage doesn’t have to be a complicated or stressful task. Our independent specialists are here to do the heavy lifting for you. So, give us a quick call at 1-800-667-0429 during business hours to ask questions. Or you can head over to sbis.ca at any hour to look over customizable plan rates.
No. Our consulting, plan comparisons, and enrollment assistance are 100% free to consumers. Because premium rates are strictly regulated by the province, you pay the exact same price as buying directly from the insurance company.
Yes. Many personal plans, like the GreenShield Prism suites, are specifically designed to let you bundle your core medical care, routine dental work, and emergency travel benefits under one simple monthly bill.
Absolutely. We partner with multiple carriers that offer guaranteed-issue plans. These policies do not require any medical exams or health questionnaires. This allows you to secure immediate protection even with a past medical diagnosis.
To secure guaranteed approval with no medical questions, you generally need to apply within 90 days for GMS Replacement plans, 90 days for GreenShield Prism Continuum, or 120 days for Manulife FollowMe packages.
Banks and direct insurance companies can only sell you their own proprietary products. Working with independent insurance brokers gives you an unbiased market overview, ensuring you get the plan that truly fits your life.
Most personal plans prioritize coverage for generic medications to keep your premiums affordable. If you or your doctor prefer a brand-name drug, the plan will usually reimburse you up to the cost of the generic equivalent.
Yes. If you operate a small business or work as a self-employed contractor in Canada, your premiums can often be claimed as a tax-deductible business expense.
Single-trip plans cover one specific vacation from departure to return. Annual multi-trip plans cover an unlimited number of trips within a 365-day window up to a set day limit (like 10 or 30 days per trip), saving frequent travellers money.
Yes. Most modern personal health plans include a dedicated paramedical benefit module that helps pay for visits to registered psychologists and licensed social workers.
Most personal plans allocate an individual spending cap to each specific person listed on the contract. This prevents one family member’s extensive treatments from draining the coverage needed by the rest of the household.