Health and travel insurance covers the gaps that OHIP and workplace benefits leave open: dental, vision, prescription drugs, paramedical services like physiotherapy or massage, and emergency medical care outside Canada. In London, this category includes independent brokers, agents tied to insurers like Manulife, Sun Life, or Green Shield, and firms that build group benefit plans for small businesses. With 34 providers serving the city, the range runs from solo advisors who specialize in snowbird travel coverage to larger agencies handling full employee benefit packages.
What to look for in a provider
Start with whether the broker works with multiple insurers or just one. A broker who can shop several carriers is more likely to find a plan that fits your health history and budget rather than pushing a single company's product. Ask how claims are handled when something goes wrong on a trip or a benefit gets denied: a good advisor stays involved after the sale, not just at signup. For travel coverage specifically, check how pre-existing conditions are assessed and whether the stability period rules are explained clearly before you buy, since this is where claims most often get rejected.
How we rank these businesses
Our scoring weighs factors like responsiveness, the range of insurers a broker represents, clarity around exclusions and pre-existing condition clauses, and how consistently clients report smooth claims experiences. See the full methodology for how we weigh and verify these factors. For the complete ranked list of London providers, visit our best health benefits guide.
