Your Rights and Responsibilities

You deserve to feel confident that you are getting the right product for you and your loved ones. There are safeguards in place to protect your rights, but you need to be aware of your responsibilities too. It’s a good idea to speak with someone about the details of the plan, and to make sure that you’ve completed the application correctly.


When working with an insurance agent or company, you have the right to:


  • ensure you are dealing with a licensed and regulated company and/or agent. To find a licensed insurance company, see FSCO’s Licensed Insurance Companies in Ontario database. To find a licensed agent, see FSCO’s Agents Licensed in Ontario database.
  • request contact information such as address, telephone, email, and license number.
  • have a licensed agent available for contact at your request during business hours.
  • receive advice when needed, regardless of how you purchased the insurance.
  • ask for a copy of your application form and contract for your own storage.
  • shop around and compare policies and costs so that you can find the one that best suits your needs.

Your responsibilities


  • Check and verify all of the information you provide on your application form thoroughly before signing it. Withholding or misrepresenting information could make your policy null and void. Your signature authorizes the insurer to confirm your medical history on a confidential basis.
  • Review the policy thoroughly when it is delivered to you. Check and verify all of the information in the policy. Any mistakes or misrepresentations can invalidate your policy.
  • Ask questions about anything you do not understand.
  • Keep your policy with your financial papers along with your agent’s name and number. Let your family know where you keep your policy.
  • Pay your premiums on time if you have individual supplementary health and/or dental insurance.
  • Review your insurance needs regularly. Your needs may change as your family changes.

You may be interested in...


Supplementary Health and Dental Insurance 101: Getting Started: learn more about the common features of supplementary health and dental insurance plans.


Financial Literacy Portal: your one-stop shop for links to other great financial information.


Shopping for Supplementary Health and Dental Insurance: learn what to look for in a supplementary health and dental insurance policy.


Questions to Ask About Supplementary Health and Dental Insurance: use our checklist to ask the right questions about your policy.


Supplementary Health and Dental Insurance Glossary: to better understand common supplementary health and dental insurance terms, refer to this glossary.