Our Health and Dental Insurance coverage is continually enhanced to offer you the greatest value and benefits. Eight different health and/or dental coverage plan options provide the ability to pay for only the coverage you need. Explore below to find out more.
We offer 8 options for you to choose from. All plans include coverage for vision care, registered specialists and therapists, and much more. Some plans may not require you to complete a medical questionnaire at the time of application, so your acceptance is guaranteed, provided you meet eligibility criteria.
Members must be:
- Residents of Canada and enrolled in a government health plan.
Every province and territory have a different health plan. However, the following are usually not covered by government health insurance plans:
- Prescription drugs*
- Dental check-ups and treatment
- Hospital stays
- Specialized care, including speech therapists or pathologists, physical therapists, chiropractors, and many more
- Homecare and nursing
- Medical supplies and equipment
- Emergency medical health treatment for travellers
- Personal emergency response
- Hearing aids
- Accidental death and dismemberment
- Catastrophic coverage
Your province may outline coverage on their website.
* For Quebec residents, the prescription drug coverage available under this plan is limited to costs not covered by the RAMQ Prescription Drug Insurance Plan. It is not intended to be a replacement for the RAMQ Plan. In order to be eligible for coverage under this plan, you must have a provincial health card and be registered under the RAMQ Prescription Drug Insurance Plan or have equivalent coverage under a group plan.
No one likes to think about the possibility of having serious health issues. Unfortunately, if an accident or illness were to happen to you or a member of your family, the cost of medication, treatment and other expenses could add up to a considerable amount. Even treatment for common illnesses, like medication for back pain or therapy for a sprain, can be costly. Supplemental health insurance can help cover medical costs that may not be covered by your provincial health plan.
While critical illnesses such as cancer1, stroke and heart attacks are the serious causes of death in Canada, there are many common illnesses such as back problems, diabetes, epilepsy or high cholesterol that may also have significant financial consequences.
Government health insurance plans do have limits on the reimbursement of the emergency medical expenses incurred while in another province. For example, air and ground ambulance costs, emergency dental treatment and prescription drugs might not be covered outside your province of residence. For maximum protection, you can purchase additional medical coverage even while travelling within Canada.
Although the dental, drug and vision components of a health plan are typically the most used benefits, the long-term value lies in the comfort of knowing that you have supplemental health insurance that may help beyond what the government health system provides.
Our 30-day guarantee
Your satisfaction is our number one priority. Once you receive your insurance policy, examine it carefully. If you are not completely satisfied, contact us within 30 days and we will cancel your coverage and refund your premium in full, no questions asked.1
1 The insured may, within thirty (30) days after receiving this policy, return it to the address below for cancellation. The policy will be considered never to have come into effect and any premium paid up to the end of the 30-day examination period will be refunded, less any claims paid. Where claims paid exceed premiums, the difference must be repaid to the insurer immediately. This right of cancellation expires thirty (30) days after the policy is received by the insured and does not apply to any reissued, substituted or consolidated policy continuing coverage that commenced under a previously issued policy. The rights of any beneficiary under the policy are subject to this right of cancellation.