Personal Health Insurance

Between jobs, self-employed, or losing group coverage? Get protection from costs not covered by your government health plan with coverage from BC's #1 health benefits provider.

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Why British Columbians choose our Personal Health Insurance

BC's # 1 health benefits provider

With over 80 years of local expertise, we are BC’s healthcare experts. It’s why 1 in 3 British Columbians are Pacific Blue Cross members.

Comprehensive coverage

Design your flexible plan with comprehensive coverage for dental, massage, physio, vision, prescription drugs and more.

Mental wellness

Enhanced coverage specifically for registered counsellors and psychologists on our Health and Dental, Guaranteed Acceptance, and Retirement Plan.

Fast, easy claims

File claims without the paperwork —anytime, anywhere— online or through our free mobile app, and get reimbursed in as little as 24 hours.

Enhanced coverage for women

We’re working hard to bridge gaps in women’s health care through intentional plan design, with support from BC Women’s Health Foundation and Women’s Health Research Institute.

Local impact

As BC's only not-for-profit health benefits provider, we support over 300 organizations improving health and wellbeing in our province each year.

Explore our flexible Personal Health Insurance plans

Health and Dental

Our most popular and comprehensive plan for individuals in good health.

Plan features:

  • The most coverage for practitioners, prescription drugs and vision on a personal health plan
  • Fertility treatment and adoption coverage options

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Guaranteed Acceptance

Streamlined coverage over our Health and Dental plan. Existing health conditions are always covered.

Plan features:

  • No medical questions or exclusions
  • No waiting period on most benefits

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Dental Only

When all you need is dental insurance. Available on its own or add it to your employer-sponsored group plan.

Plan features:

  • Coverage for routine dental exams, cleanings, fillings and more
  • Optional coverage for major dental work and endodontics when added to a group plan

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Group Conversion

Left an employer-sponsored group plan within the past 60 days? Enjoy continuous coverage like you never left-- even on existing health conditions.

Plan features:

  • No medical questions or exclusions
  • Increasing coverage over time

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Retired within the past 60 days? Enjoy continuous coverage like you never left-- even on existing health conditions.

Plan features:

  • The most flexibility and choice for retirees
  • No medical questions or exclusions

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Not sure which plan is right for you?

Use our Plan Finder to help you decide

Plan Finder

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Frequently asked questions

  1. What is Extended Health Care coverage?

    Extended health is essential for covering the cost of medical services, medications and treatments NOT covered by your provincial health care plan. This includes coverage for dental, registered counselling, psychology, massage, physiotherapy, prescription drugs, vision and more.

  2. Why is it important for me to have Extended Health Care coverage?

    Extended health care provides access to a comprehensive range of medical services not covered by your provincial health plan or employee benefits for improved wellbeing and financial security.

  3. When should I buy Extended Health and Dental coverage?

    The ideal time to buy extended health care coverage is when you and/or your family are healthy. Since most extended health care plans exclude coverage for medical conditions you may already have, you need to obtain coverage prior to the occurrence of any future unforeseen accident or sickness.

  4. Who is eligible for this coverage?

    Our Individual Plans are available to all residents of British Columbia and the Yukon provided the resident is enrolled under the Medical Services Plan of BC, or the Health Care Insurance Plan of the Yukon. Coverage will be available for applicants who are awaiting provincial coverage to begin.

    Policyholders must be at least 19 years of age. For people under age 19 who want to apply for coverage under one of our plans, an adult must be designated as the policyholder.

  5. Where and how can I find more information on extended health coverage?

    Pacific Blue Cross has available coverage for health, dental and emergency medical travel. Contact Pacific Blue Cross for more information or to speak with one of our Service Representatives:

    Individual Plans Sales and Support
    Telephone: 604 419 2000
    Fax: 604 419 2199

    Toll-free Outside the Greater Vancouver Area:
    1 800 USE BLUE (1 800 873 2583)

    Mailing Address:
    Pacific Blue Cross
    Individual Plans
    PO Box 7000
    Vancouver, BC V6B 4E1

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Looking for other types of coverage?

Emergency Medical Insurance

Comprehensive, flexible emergency medical care coverage for British Columbians while travelling outside of BC.

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Peace of mind coverage for travel costs related to unexpected cancellations, interruptions and delays

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Critical Illness Insurance

Financial support, should a critical illness strike, so you can focus on making a healthy recovery

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Life Insurance

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