• Basic plan

• Standard plan

• Enhanced plan

• Pay direct drug card (except Quebec)
• 60% reimbursement
• No deductible
• $5 dispensing fee cap
• $750 maximum/year
• Includes smoking cessation drugs ($250 lifetime maximum)
• Excludes fertility drug and contraceptives

• Pay direct drug card (except Quebec)
• 70% reimbursement on the first $7,000 of eligible expenses, 100% on the next $93,000
• No deductible
• $100,000 maximum/yearr
• Includes smoking cessation drugs ($250 lifetime maximum)
• Excludes fertility drug and contraceptives

• Pay direct drug card (except Quebec)
• 80% reimbursement on the first $5,000 of eligible expenses, 100% on the next $95,000
• No deductible
• $100,000 maximum/year
• Includes smoking cessation drugs ($250 lifetime maximum)
• Includes oral contraceptives
• Excludes fertility drugs

Preventive dental

• 3-month waiting period
• 60% reimbursement
• $500/year maximum

• OPTIONAL
• 3-month waiting period
• 70% reimbursement
• $750/year maximum

• OPTIONAL
• 3-month waiting period
• 80% reimbursement
• $750/year maximum

Restorative dental

• Optional with Preventive dental and Orthodontics
• 1-year waiting period
• 50% reimbursement
• $500/year maximum

Orthodontics

• Optional with Preventive dental and Restorative dental
• 2-year waiting period
• 60% reimbursement
• $1,500/lifetime maximum

• 60% reimbursement
• No deductible
• Alternative treatments:
  • $25 maximum per visit
  • $250/year per practitioner
• Hearing aids $400/5 years
• Accidental dental $2,000/fracture or injury
• Licensed ground ambulance
• Emergency air ambulance
• Medical equipment and in-home nursing
  • $2500/year combined maximum
  • $20,000 combined lifetime maximum

Medical services
For Quebec residents, medically necessary MRI, Ultrasound, CAT and CT scans are covered up to a combined maximum of $750/year .

• 100% reimbursement
• No deductible
• Alternative treatments:
  • $300/year per practitioner
• Hearing aids $400/5 years
• Accidental dental $2,000/fracture or injury
• Licensed ground ambulance
• Emergency air ambulance
• Medical equipment
  • $5,000/year maximum
• In-home nursing
  • $5,000 annual maximum and $25,000 lifetime maximum

Medical services
For Quebec residents, medically necessary MRI, Ultrasound, CAT and CT scans are covered.

• 100% reimbursement
• No deductible
• Alternative treatments:
  • $400/year per practitioner
• Hearing aids $500/5 years
• Accidental dental $2,000/fracture or injury
• Licensed ground ambulance
• Emergency air ambulance
• Medical equipment
  • $5,000/year maximum
• In-home nursing
  • $10,000 annual maximum and $30,000 lifetime maximum

Medical services
For Quebec residents, medically necessary MRI, Ultrasound, CAT and CT scans are covered.

• 100% reimbursement
• 1-year waiting period
• $150 maximum every 2 years (includes $50 maximum per year per eye exam)

• 100% reimbursement
• 1-year waiting period
• $200 maximum every 2 years (includes $50 maximum per year per eye exam)

Emergency travel

• 100% reimbursement
• You're covered under this plan to age 80 during the first 60 days of trip
• $1 million lifetime maximum
• 9-month pre-existing condition clause
• Out of Country / Out of Province coverage

• 100% reimbursement
• You're covered under this plan to age 80 during the first 60 days of trip
• $1 million lifetime maximum
• 9-month pre-existing condition clause
• Out of Country / Out of Province coverage

• 85% reimbursement
• $200/day
• $5000 maximum
• Convalescent hospital - maximum $20/day - 180 days per incident

• 85% reimbursement
• $200/day
• $5000 maximum
• Convalescent hospital - maximum $20/day - 180 days per incident

• 85% reimbursement
• $200/day
• $5000 maximum
• Convalescent hospital - maximum $20/day - 180 days per incident

Sample policies

Sample policies