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We're entrepreneurs specializing in health benefits, letting you focus on what you love to do.

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[ Health Benefits. Simplified. ]

Benecaid delivers simple, customized health benefit plans to small businesses. Our innovative solutions are designed to put control of health benefit costs back into the hands of the employer.

About Us

The short story

In 2000, a group of entrepreneurs founded Benecaid, knowing there had to be a better way to help Canadian small businesses get health benefits. Since then, we've been one of the fastest growing providers of benefit administration services for small and medium sized business in Canada. We know your business and em- ployees are important, and you want to protect them.

Your trust is important. That's why we are members of the Third Party Administrators Association of Canada (TPAAC), the International Foundation of Employee Benefit Plans (IFEBP) and the Better Business Bureau. In addition, our claims adjudication is overseen by independent trustees who are Chartered Accountants. At Benecaid, we understand small businesses.

Why Us

How are we different...

Superior Service

Providing a high level of service is core to the value we provide to our small business customers and their employees. Let us take care of your health benefits, so you can focus on what you love to do.

For Entrepreneurs

We are entrepreneurs specializing in health benefits. Our innovative solutions are designed with the entrepreneur in mind, putting the control of health benefit costs back into the hands of the employer. Helping you manage your bottom line.

Self-Service Capabilities

Our Access Benecaid online portal is available for your plan administrators and plan members. Allowing on-demand access to view and manage your account at your convenience.

Benefit Plans that change with your Business

Your personalized Benecaid Solution can grow and adapt with you as your business grows and changes.

Our Customers

In good company Trusted by more than 50,000 entrepreneurs

Their questions are answered quickly. Their claims are processed efficiently. They are able to access their information any time, anywhere. Those are just some of the reasons our over 50,000 clients tell us they like working with Benecaid.


Scott Metherell

BigRedWorks – Owner

BigRedWorks is a cottage maintenance company that was founded in 2006 by Scott Metherell. They offer a wide array of services to the island cottagers in Honey Harbor Georgian Bay. They look after all of the routine maintenance needs during the week so customers can come up and enjoy their cottages on the weekend.

Scott was young, fresh out of school and didn't have a lot of experience with health benefits prior to Benecaid. BigRedWorks was new and consisted of himself, his brother and a few friends. Scott wanted to make sure his young, energetic staff stayed healthy and he had heard about Benecaid from a friend. The concept and choice of coverage was the most appealing. He started by enrolling himself with an HSA and hsaComplete, getting to “test drive” the product before enrolling other staff members. The coverage is flexible to adapt to the different needs of his young team.

“Benecaid was a really appealing choice. As a small business it's nice to work with a company that gets it, they are flexible and able to adjust to how I do business. The product just made sense, my staff can use their HSA to pay for what they need and I'm not paying for anything that won't be used. The guys appreciate it and that keeps them working hard!”

Steve Zinck

All Canadian Courier - Owner

All Canadian Courier provide customizable and cost effective transportation solutions. They've grown from one person and one car in 1989, to a service with hundreds of vehicles on the road today.

All Canadian Courier has grown because of their great customer service. This attention to customer's needs is what drew All Canadian Courier to start working with Benecaid in 2008. They were able to find an employee benefit solution that worked for their company then and this solution has grown and evolved with their company.

“We find working with Benecaid to be easy for our company and our employees. Our employees are important to us, and they find the claim process to be easy and enjoy the ability to see their information online. As the owners of All Canadian Courier, we have enjoyed partnering with Benecaid because as we grow and need to make changes to our plan, they have provided us with the best suggestions and make the process painless.”

Sandy Lavergne

EXEL North America, Inc. - Office Manager

EXEL North America manufacturers and sells industrial spray equipment solutions worldwide with a branch office in Toronto Canada. Their employees are their greatest asset; in turn their benefit plan is of utmost importance.

Struggling to keep their benefit costs in check was an on-going battle for EXEL North America. The constant negotiations really only had the employees losing out. They wanted a different plan, one that puts the employee's needs first. Sandy was introduced to Benecaid through a family member. After a few meetings and discussions she was confident that Benecaid would look after all of the employee's needs for EXEL.

“The Benecaid staff made the transition seamless. The staff was efficient, friendly & topnotch. Our claims are handled quickly & the questions from staff are answered immediately. I only wish we had found this company many years sooner.”

Your Benefits

3 simple questions, we'll handle the rest.

I am a business owner for a company
with 10 employees
located in Ontario.

We suggest one of our flex solutions.

Ideal For... Advantages of these solutions...
Businesses with or without a
current health benefits plan
Coverage that adapts as
your business changes
5 or more employees Detailed Reporting - available through
your dedicated Account Manager
or our online portal.
Those looking for an alternative
to traditional insurance
Fair Renewals & Sustainable Plans — designed
for entrepreneurs and small businesses who
want control and predictability
Our flex Solutions include:

A non-traditional health benefits plan that allows you to pay only for what your employees use.


A traditional health benefits plan with predicable monthly expenses and a fair renewal process.


We suggest one of our individual solutions.

Ideal For... Advantages of these solutions...
Self‐employed or sole proprietors Large list of eligible medical expenses,
no set plan design
Less than 5 employees Product options that can vary
based on your lifestyle
New businesses Optional insurance
Our individual Solutions include:
Health Spending Account™

A flexible way to save money on your predictable health expenses.

Health Spending Account™

a simple health benefits plan built exclusively for associations and their members.


We would be happy to provide you with a complimentary quote for this product or one of our other innovative solutions. Leave your information below or call us today to speak with a licensed benefits consultant in your area.


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Connect with Us

Call us / 1-877-797-7448 One of our licensed agents will discuss your
needs and provide you with a free quote.

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  • Find Us

    185 The West Mall, Suite 1700
    Toronto, Ontario M9C 5L5 Weekdays 8:30AM - 5:00PM EST

  • Phone / Fax

    Tel: 416-626-8786
    Fax: 416-622-5312
    Toll Free: 1-877-797-7448