Health & Dental Plans

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Health & Dental Plans

Our Health and Dental Insurance coverage for CREA members 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.

Association Health & Dental Plan

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.

For full limitations and exclusions, please view a sample policy (PDF).

Health and Dental FAQ

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.

First, check to see if your provider has already submitted your claim. Often, you don't have to submit a claim because many hospitals, pharmacies and dentists can submit your claim directly to us. There's no online form or paperwork for you, and you only pay the amount your plan doesn't cover.

If your provider hasn't already submitted your claim, you can submit your claim online or on paper by mail.

Our 30-day guarantee

If you are not completely satisfied with your coverage, simply return your insurance policy to Manulife within 30 days of receiving it and any premiums paid for the coverage will be promptly refunded.1

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Still have questions?

Call a Licensed Insurance Advisor at 1-855-861-3290
(Monday – Friday 8am – 8pm ET)

or e-mail us at