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Coverage for Entrepreneurs and the Self-employed

Understand why having insurance beyond provincial health coverage is essential. Protect yourself with a personal insurance plan that can cover you when you need it.

Get a Quote

Why You Need Health Insurance

Reasons to have a personal insurance plan:

Vision, Dental, and Prescription Drug Coverage

Get support for your dental care, vision needs, and medications.

Complements Government Benefits

Helps cover eligible health expenses not included in your government plan.

Covers Medical Equipment

Coverage for medical equipment like wheelchairs, CPAP machines, orthotics, and hearing aids.

Out-of-Country Emergency Care

Peace of mind when you are travelling.

Access to Care Services

Get additional support through services like mental health counselling, telemedicine, and װʿ Pharmacy.

Online Claims Submission

Submit claims anytime, anywhere, through our convenient platform. Enjoy integrated coverage and care all in one place.

For the Self-Employed: Coverage and Care All in One Place

Stay in control of your health with flexible coverage and care, all accessible through one easy-to-use platform.

  • —
    Mental Health
    Access virtual therapy that fits your schedule, helping you stay focused and balanced as you run your business.
  • —
    Pharmacy
    Get virtual pharmacist advice and have medications delivered, saving you time and simplifying your to-do list.
  • —
    Telemedicine
    Get quick access to licensed healthcare professionals, without leaving home, for everyday medical needs.
  • —
    Well-being
    Use practical tools and resources to help keep your health on track while you manage your business.
1

Find answers for your coverage questions

If you have specific questions about your situation and how a plan might meet your needs, give us a call or view the FAQ section.

2

Get a quote

Select the personal coverage plan that fits your needs and your budget.

3

Apply

After you apply, we’ll email a confirmation. Coverage can start as early as the first day of the month following application approval. Before then, you’ll receive a welcome package with plan and װʿ+ access details, for coverage and care all in one place.

Get Started

Insurance is personal. Let’s find the right plan for you.

Get a Quote
ZONE 7
Guaranteed Acceptance
No medical questions or exams. Yes, this plan even covers pre-existing conditions. Applying is quick and easy!
Health Questionnaire Required
Your application will be evaluated. If you are taking prescription medication on an ongoing basis when you apply, or if you have a pre-existing medical condition, you will receive an offer for coverage that excludes the medications you’re currently taking and those approved by Health Canada to prevent or treat the medical conditions.
Basic Coverage
Comprehensive Coverage
Enhanced Coverage
##/mo.
Add optional hospital accomodation for $6
Apply nowCall Us
What's included
Prescription Drugs

Pays 90%, up to $20,000 per person every year.

Dental

Pays 80% for basic and comprehensive basic services. Maximums increase in the first three years, starting at $1,000 per person in Year 1.

Professional Services and Registered Therapists

Chiropractor, Physiotherapist, and more. Maximums: $50 / visit; $750 per practitioner; $2,000 combined per person every year.

Travel insurance

Multi-trip emergency medical for 30-day trips. $5,000,000 coverage per person every year.

ZONE 7
Coverage Details
$
Value
Your Total Monthly Premium
Potential Benefit Value of this Plan, Per Year
Per Person
ʰپDzٰܲ
20000
Dental (first year)
1000
Vision (first year)
370
Registered Specialists and Therapists
3500
Subtotal of some key benefits available in the first year
[$00,000]
And this plan offers much more. Take a look below…
Apply nowCall Us
Prescription Drugs

Prescription Drugs

װʿ Insurance plans offer coverage for generic prescription medications that are approved for use in Canada, have a DIN, require a prescription by law and have been prescribed by an authorized medical practitioner. Brand name prescription medications may be covered if no generic equivalent exists. Smoking cessation products and drugs for the treatment of obesity, infertility and erectile dysfunction are not covered. Quebec residents must be covered by the RAMQ (Régie de l’assurance maladie du Québec) plan. Prescription drug claims must be submitted to RAMQ first. When RAMQ reimburses a portion of the drug cost, unpaid balances (including co-payments and deductibles) will be co‑ordinated so that you may be reimbursed up to 100% of the eligible expense incurred. If the drug is not covered by RAMQ, the standard co-pay applies.

Maximums:‍

Pays 90%, up to $20,000 per person every year.

Dental

Overall Maximums:

‍Year 1: $1,000

Year 2: $1,200

Year 3+: $1,500 per person per year

Recall Frequency

6 months

Basic Services

What's this for?

Includes coverage towards:

Preventive cleaning
Routine examinations, x-rays
Fillings and extractions
Fluoride treatment for children

Year 1: Pays 80%, subject to annual maximum

Year 2+: Pays 90%, subject to annual maximum

Comprehensive Basic
Services

What's this for?

Includes coverage towards:

Endodontic treatment – root canal therapy
Periodontal treatment – scaling and root planing, occlusal adjustment, equilibration
Denture repairs, rebasing, relining

Year 1: Pays 80%, subject to annual maximum

Year 2+: Pays 90%, subject to annual maximum

Major Services

What's this for?

Includes coverage towards:

Crowns and onlays
Dentures
Bridgework

Available in Year 3+: Pays 50%, subject to annual maximum

Orthodontic Services

What's this for?

includes coverage towards:

Straightening teeth and correcting the bite

Available in Year 3+: Pays 50%, subject to overall annual dental maximum and $2,000 lifetime orthodontics maximum

Vision

Prescription Eyeglasses, Contact Lenses, Laser Eye Surgery

‍
Maximums:

Year 1-2: $250

Year 3-4: $300

Year 5+: $350 per person every 2 years

Eye Examination

Maximum:

$120 per person every 2 years

Extended Health Coverage

Chiropractor, Massage Therapist, Physiotherapist, Acupuncturist, Chiropodist / Podiatrist, Dietitian, Naturopath, Osteopath


Maximums:

$50 per visit

$750 per person per practitioner

$2,000 combined per year

‍

Speech Therapist

‍

Maximum:

$750 per person per year

Accidental Dental

Maximum:

$15,000 per person per year

Ambulance Transportation

Includes land and air

Hearing Aids

Maximum:

$600 per person every 4 years

Medical Services

Diagnostic tests and x-rays, dialysis equipment, laboratory tests

‍

Maximum:

$2,500 per person per year

Medical Items and Home Support Services (in-home nursing)

What's this for?

Extended Health Care

Medical Items include diabetic supplies (like blood glucose monitors and lancets), custom made boots or shoes, custom made foot orthotics, mobility aids (like canes, crutches, walkers, wheelchairs), prosthetics, aids for daily living (like hospital style beds, IV stands, a trapeze, a bedpan), braces, casts, catheters and ostomy supplies, compression stockings, respiratory/cardiology items like breathing and heart monitors for infants, compressors and oxygen.

Separate maximums for Medical Items and Home Support Services

‍

Maximums:

Year 1: $3,000

Year 2: $5,000

Year 3+: $8,000 per person per benefit category, per year

‍

CPAP, BiPAP, APAP and/or AMP machines and supplies are eligible for coverage.

Travel

Multi-Trip Emergency Medical Travel Coverage Out-of-province or Country

‍

Maximums:

30 days per trip

$5,000,000 per person per year

Optional Hospital Accommodation

Optional benefit pays for the difference in cost between standard ward charges and semi-private and/or private accommodation in a public general hospital in your province/territory of residence.

‍

Maximum:

Up to 30 days per person per year

Preferred Hospital Accomodation
Telemedicine

װʿ Telemedicine

4 virtual visits per family every year with a licensed general health care practitioner, available 24/7, 365 days a year

Mental Health Services

Psychologist / Psychotherapist / Registered Social Worker

‍

Maximum:

$750 per person per year, combined

‍

װʿ Mental Health

4 hours of virtual counselling (2 hours for individual therapy, 2 hours for couples therapy) per person per year; additional therapy is eligible for coverage under the Psychology benefit

Pharmacy

װʿ Pharmacy makes it easy for you to access all your pharmacy services from the comfort and privacy of home. Book a clinical consultation with our pharmacists, receive refill reminders, access to your medication information online and get free delivery of your prescription medications anywhere in Canada.

‍

* Pharmacy services in Quebec provided by Medzy | Pharmacie Sonia Boutin Inc.

ZONE Fundamental
Guaranteed Acceptance
No medical questions or exams. Yes, this plan even covers pre-existing conditions. Applying is quick and easy!
Health Questionnaire Required
Your application will be evaluated. If you are taking prescription medication on an ongoing basis when you apply, or if you have a pre-existing medical condition, you will receive an offer for coverage that excludes the medications you’re currently taking and those approved by Health Canada to prevent or treat the medical conditions.
Basic Coverage
Comprehensive Coverage
Enhanced Coverage
##/mo.
Apply nowCall Us
What's included
Prescription Drugs

Pays 70%. Maximums increase in the first three years, starting at $550 per person in Year 1.

Dental

Pays 70% for basic and comprehensive basic services.  Maximum: $450 per person every year.

‍

Vision

Prescription eyeglasses, contact lenses, laser eye surgery. Maximum: $150 per person every 2 years. Eye exams: $80 per person every 2 years.

Travel Insurance

Multi-trip emergency medical for 15-days trips. $5,000,000 coverage per person every year.

ZONE Fundamental
Coverage Details
$
Value
Your Total Monthly Premium
Potential Benefit Value of this Plan, Per Year
Per Person
ʰپDzٰܲ
550
Dental (first year)
450
Vision (first year)
230
Registered Specialists and Therapists
4000
Subtotal of some key benefits available in the first year
[$00,000]
And this plan offers much more. Take a look below…
Apply nowCall Us
Prescription Drugs

Prescription Drugs

װʿ Insurance plans offer coverage for generic prescription medications that are approved for use in Canada, have a DIN, require a prescription by law and have been prescribed by an authorized medical practitioner. Brand name prescription medications may be covered if no generic equivalent exists. Smoking cessation products and drugs for the treatment of obesity, infertility and erectile dysfunction are not covered. Quebec residents must be covered by the RAMQ (Régie de l’assurance maladie du Québec) plan. Prescription drug claims must be submitted to RAMQ first. When RAMQ reimburses a portion of the drug cost, unpaid balances (including co-payments and deductibles) will be co‑ordinated so that you may be reimbursed up to 100% of the eligible expense incurred. If the drug is not covered by RAMQ, the standard co-pay applies.

Maximums:‍

Pays 70% up to

Year 1: $550

Year 2: $600

Year 3+: $650 per person per year

Dental

Overall Maximums:

$450 per person per year

Recall Frequency

9 months

Basic Services

What's this for?

Includes coverage towards:

Preventive cleaning
Routine examinations, x-rays
Fillings and extractions
Fluoride treatment for children

Pays 70%, subject to annual maximum

Comprehensive Basic
Services

What's this for?

Includes coverage towards:

Endodontic treatment – root canal therapy
Periodontal treatment – scaling and root planing, occlusal adjustment, equilibration
Denture repairs, rebasing, relining

Pays 70%, subject to annual maximum

Major Services

What's this for?

Includes coverage towards:

Crowns and onlays
Dentures
Bridgework

Not included

Orthodontic Services

What's this for?

includes coverage towards:

Straightening teeth and correcting the bite

Not included

Vision

Prescription Eyeglasses, Contact Lenses, Laser Eye Surgery

‍
Maximum:

$150 per person every 2 years

Eye Examination

Maximum:

$80 per person every 2 years

Extended Health Coverage

Chiropractor, Massage Therapist, Physiotherapist, Acupuncturist, Chiropodist or Podiatrist, Dietitian, Naturopath, Osteopath

‍

Maximums:

$40 per visit

$400 per person per practitioner, per year

‍

Speech Therapist

‍

Maximum:

$400 per person per year

Accidental Dental

Maximum:

$3,000 per person per year

Ambulance Transportation

Includes land and air

Hearing Aids

Maximums:

Year 1-4: $350

Year 5+: $500 per person every 4 years

Medical Services

Diagnostic tests and x-rays, dialysis equipment, laboratory tests

‍

Maximum:

$2,000 per person per year

Medical Items and Home Support Services (in-home nursing)

What's this for?

Extended Health Care

Medical Items include diabetic supplies (like blood glucose monitors and lancets), custom made boots or shoes, custom made foot orthotics, mobility aids (like canes, crutches, walkers, wheelchairs), prosthetics, aids for daily living (like hospital style beds, IV stands, a trapeze, a bedpan), braces, casts, catheters and ostomy supplies, compression stockings, respiratory/cardiology items like breathing and heart monitors for infants, compressors and oxygen.

Separate maximums for Medical Items and Home Support Services

‍

Maximums:

Year 1: $1,500

Year 2: $2,000

Year 3: $3,000

Year 4+: $4,000 per person per benefit category, per year

‍

Please note: CPAP, BiPAP, APAP and/or AMP machines and supplies are eligible for coverage with a max. of $500 in Year 1 and $500 in Year 2.

Travel

Multi-Trip Emergency Medical Travel Coverage Out-of-province or Country

‍

Maximums:

15 days per trip

$5,000,000 per person per year

Optional Hospital Accommodation

Not Available

Preferred Hospital Accomodation
Telemedicine

װʿ Telemedicine

4 virtual visits per family every year with a licensed general health care practitioner, available 24/7, 365 days a year

Mental Health Services

Psychologist, Psychotherapist, Registered Social Worker

‍

Maximum:

$400 per person per year, combined

‍

װʿ Mental Health

4 hours of virtual counselling (2 hours for individual therapy, 2 hours for couples therapy) per person per year. Additional therapy is eligible for coverage under the Psychology benefit.

Pharmacy

װʿ Pharmacy makes it easy for you to access all your pharmacy services from the comfort and privacy of home. Book a clinical consultation with our pharmacists, receive refill reminders, access to your medication information online and get free delivery of your prescription medications anywhere in Canada.

‍

* Pharmacy services in Quebec provided by Medzy | Pharmacie Sonia Boutin Inc.

ZONE 6
Guaranteed Acceptance
No medical questions or exams. Yes, this plan even covers pre-existing conditions. Applying is quick and easy!
Health Questionnaire Required
Your application will be evaluated. If you are taking prescription medication on an ongoing basis when you apply, or if you have a pre-existing medical condition, you will receive an offer for coverage that excludes the medications you’re currently taking and those approved by Health Canada to prevent or treat the medical conditions.
Basic Coverage
Comprehensive Coverage
Enhanced Coverage
##/mo.
Add optional hospital accomodation for $6
Apply nowCall Us
What's included
Prescription Drugs

Pays 90%, up to $10,000 per person every year.

Dental

Pays 80% for basic and comprehensive basic services. Maximums increase in the first three years, starting at $800 per person in Year 1.

Professional Services and Registered Therapists

Chiropractor, Physiotherapist, and more. Maximums: $45 / visit; $600 per person per practitioner every year.

Travel insurance

Multi-trip emergency medical for 30-day trips. $5,000,000 coverage per person every year.

ZONE 6
Coverage Details
$
Value
Your Total Monthly Premium
Potential Benefit Value of this Plan, Per Year
Per Person
ʰپDzٰܲ
10000
Dental (first year)
800
Vision (first year)
300
Registered Specialists and Therapists
6000
Subtotal of some key benefits available in the first year
[$00,000]
And this plan offers much more. Take a look below…
Apply nowCall Us
Prescription Drugs

Prescription Drugs

װʿ Insurance plans offer coverage for generic prescription medications that are approved for use in Canada, have a DIN, require a prescription by law and have been prescribed by an authorized medical practitioner. Brand name prescription medications may be covered if no generic equivalent exists. Smoking cessation products and drugs for the treatment of obesity, infertility and erectile dysfunction are not covered. Quebec residents must be covered by the RAMQ (Régie de l’assurance maladie du Québec) plan. Prescription drug claims must be submitted to RAMQ first. When RAMQ reimburses a portion of the drug cost, unpaid balances (including co-payments and deductibles) will be co‑ordinated so that you may be reimbursed up to 100% of the eligible expense incurred. If the drug is not covered by RAMQ, the standard co-pay applies.

Maximums:

Pays 90%, up to $10,000 per person every year

Dental

Overall Maximums:‍

Year 1: $800

Year 2: $1,000

Year 3+: $1,300 per person per year

Recall Frequency

6 months

Basic Services

What's this for?

Includes coverage towards:

Preventive cleaning
Routine examinations, x-rays
Fillings and extractions
Fluoride treatment for children

Pays 80%, subject to annual maximum

Comprehensive Basic
Services

What's this for?

Includes coverage towards:

Endodontic treatment – root canal therapy
Periodontal treatment – scaling and root planing, occlusal adjustment, equilibration
Denture repairs, rebasing, relining

Pays 80%, subject to annual maximum

Major Services

What's this for?

Includes coverage towards:

Crowns and onlays
Dentures
Bridgework

Available in Year 3+: Pays 50%, subject to annual maximum

Orthodontic Services

What's this for?

includes coverage towards:

Straightening teeth and correcting the bite

Available in Year 3+: Pays 50%, subject to overall annual dental maximum and $2,000 lifetime orthodontics maximum

Vision

Prescription Eyeglasses, Contact Lenses, Laser Eye Surgery

‍
Maximums:

Year 1-2: $200

Year 3-4: $250

Year 5+: $300 per person every 2 years

Eye Examination

Maximum:

$100 per person every 2 years

Extended Health Coverage

Chiropractor, Massage Therapist, Physiotherapist, Acupuncturist, Chiropodist / Podiatrist, Dietitian, Naturopath, Osteopath
‍

Maximums:

$45 per visit

$600 per person per practitioner every year

‍

Speech Therapist

Maximum:

$600 per person per year

Accidental Dental

Maximum:

$10,000 per person per year

Ambulance Transportation

Includes land and air

Hearing Aids

Maximum:

$500 per person every 4 years

Medical Services

Diagnostic tests and x-rays, dialysis equipment, laboratory tests
‍

Maximum:

$2,000 per person per year

Medical Items and Home Support Services (in-home nursing)

What's this for?

Extended Health Care

Medical Items include diabetic supplies (like blood glucose monitors and lancets), custom made boots or shoes, custom made foot orthotics, mobility aids (like canes, crutches, walkers, wheelchairs), prosthetics, aids for daily living (like hospital style beds, IV stands, a trapeze, a bedpan), braces, casts, catheters and ostomy supplies, compression stockings, respiratory/cardiology items like breathing and heart monitors for infants, compressors and oxygen.

Separate maximums for Medical Items and Home Support Services
‍

Maximums:

Year 1: $2,000

Year 2: $4,000

Year 3+: $6,000 per person per benefit category, per year

‍

CPAP, BiPAP, APAP and/or AMP machines and supplies are eligible for coverage.

Travel

Multi-Trip Emergency Medical Travel Coverage Out-of-province or Country

‍

Maximums:

30 days per trip

$5,000,000 coverage per person per year

Optional Hospital Accommodation

Optional benefit pays for the difference in cost between standard ward charges and semi-private and/or private accommodation in a public general hospital in your province or territory of residence.

‍

Maximum:

Up to 30 days per person per year

Preferred Hospital Accomodation
Telemedicine

װʿ Telemedicine

4 virtual visits per family every year with a licensed general health care practitioner, available 24/7, 365 days a year

Mental Health Services

Psychologist, Psychotherapist, Registered Social Worker

‍

Maximum:

$600 per person per year, combined

‍

װʿ Mental Health

4 hours of virtual counselling (2 hours for individual therapy, 2 hours for couples therapy) per person per year; additional therapy is eligible for coverage under the Psychology benefit

Pharmacy

װʿ Pharmacy makes it easy for you to access all your pharmacy services from the comfort and privacy of home. Book a clinical consultation with our pharmacists, receive refill reminders, access to your medication information online and get free delivery of your prescription medications anywhere in Canada.

‍

* Pharmacy services in Quebec provided by Medzy | Pharmacie Sonia Boutin Inc.

ZONE 5
Guaranteed Acceptance
No medical questions or exams. Yes, this plan even covers pre-existing conditions. Applying is quick and easy!
Health Questionnaire Required
Your application will be evaluated. If you are taking prescription medication on an ongoing basis when you apply, or if you have a pre-existing medical condition, you will receive an offer for coverage that excludes the medications you’re currently taking and those approved by Health Canada to prevent or treat the medical conditions.
Basic Coverage
Comprehensive Coverage
Enhanced Coverage
##/mo.
Add optional hospital accomodation for $6
Apply nowCall Us
What's included
Prescription Drugs

Pays 90%, up to $5,000 per person every year.

Dental

Pays 80% for basic services and 60% for comprehensive basic services. Maximums increase in the first three years, starting at $700 per person in Year 1.

Professional Services and Registered Therapists

Chiropractor, Physiotherapist, and more. Maximums: $45 / visit; $500 per person per practitioner every year.

Travel Insurance

Multi-trip emergency medical for 30-day trips. $5,000,000 coverage per person every year.

ZONE 5
Coverage Details
$
Value
Your Total Monthly Premium
Potential Benefit Value of this Plan, Per Year
Per Person
ʰپDzٰܲ
5000
Dental (first year)
700
Vision (first year)
250
Registered Specialists and Therapists
5000
Subtotal of some key benefits available in the first year
[$00,000]
And this plan offers much more. Take a look below…
Apply nowCall Us
Prescription Drugs

Prescription Drugs

װʿ Insurance plans offer coverage for generic prescription medications that are approved for use in Canada, have a DIN, require a prescription by law and have been prescribed by an authorized medical practitioner. Brand name prescription medications may be covered if no generic equivalent exists. Smoking cessation products and drugs for the treatment of obesity, infertility and erectile dysfunction are not covered. Quebec residents must be covered by the RAMQ (Régie de l’assurance maladie du Québec) plan. Prescription drug claims must be submitted to RAMQ first. When RAMQ reimburses a portion of the drug cost, unpaid balances (including co-payments and deductibles) will be co‑ordinated so that you may be reimbursed up to 100% of the eligible expense incurred. If the drug is not covered by RAMQ, the standard co-pay applies.

Maximums:

‍Pays 90%, up to $5,000 per person every year.

Dental

Overall Maximums:‍

Year 1: $700

Year 2: $900

Year 3+: $1,100 per person per year

Recall Frequency

9 months

Basic Services

What's this for?

Includes coverage towards:

Preventive cleaning
Routine examinations, x-rays
Fillings and extractions
Fluoride treatment for children

Pays 80%, subject to annual maximum

Comprehensive Basic
Services

What's this for?

Includes coverage towards:

Endodontic treatment – root canal therapy
Periodontal treatment – scaling and root planing, occlusal adjustment, equilibration
Denture repairs, rebasing, relining

Year 1: Pays 60%, subject to annual maximum

Year 2: Pays 70%, subject to annual maximum

Year 3+: Pays 80%, subject to annual maximum

Major Services

What's this for?

Includes coverage towards:

Crowns and onlays
Dentures
Bridgework

Available in Year 3+: Pays 50%, subject to annual maximum

Orthodontic Services

What's this for?

includes coverage towards:

Straightening teeth and correcting the bite

Not included

Vision

Prescription Eyeglasses, Contact Lenses, Laser Eye Surgery

‍

Maximums:

Year 1-2: $150

Year 3-4: $200

Year 5+: $250 per person every 2 years

Eye Examination

Maximum:

$100 per person every 2 years

Extended Health Coverage

Chiropractor, Massage Therapist, Physiotherapist, Acupuncturist, Chiropodist or Podiatrist, Dietitian, Naturopath, Osteopath
‍

Maximums:

$45 per visit

$500 per person per practitioner every year

‍

Speech Therapist

‍

Maximum:

$500 per person per year

Accidental Dental

Maximum:

$10,000 per person per year

Ambulance Transportation

Includes land and air

Hearing Aids

Maximum:

$500 per person every 4 years

Medical Services

Diagnostic tests and x-rays, dialysis equipment, laboratory tests

‍

Maximum:

$2,000 per person per year

Medical Items and Home Support Services (in-home nursing)

What's this for?

Extended Health Care

Medical Items include diabetic supplies (like blood glucose monitors and lancets), custom made boots or shoes, custom made foot orthotics, mobility aids (like canes, crutches, walkers, wheelchairs), prosthetics, aids for daily living (like hospital style beds, IV stands, a trapeze, a bedpan), braces, casts, catheters and ostomy supplies, compression stockings, respiratory/cardiology items like breathing and heart monitors for infants, compressors and oxygen.

Separate maximums for Medical Items and Home Support Services

‍

Maximums:

Year 1: $2,000

Year 2: $4,000

Year 3+: $6,000 per person per benefit category, per year

‍

CPAP, BIPAP, APAP and/or AMP machines and supplies are eligible for coverage.

Travel

Multi-Trip Emergency Medical Travel Coverage Out-of-province or Country

‍
Maximums:

30 days per trip

$5,000,000 per person per year

Optional Hospital Accommodation

Optional benefit pays for the difference in cost between standard ward charges and semi-private and/or private accommodation in a public general hospital in your province/territory of residence.

‍

Maximum:‍

Up to 30 days per person per year

Preferred Hospital Accomodation
Telemedicine

װʿ Telemedicine

4 virtual visits per family every year with a licensed general health care practitioner, available 24/7, 365 days a year

Mental Health Services

Psychologist / Psychotherapist / Registered Social Worker
‍

Maximum:

$500 per person per year, combined

‍

װʿ Mental Health

4 hours of virtual counselling (2 hours for individual therapy, 2 hours for couples therapy) per person per year; additional therapy is eligible for coverage under the Psychology benefit

Pharmacy

װʿ Pharmacy makes it easy for you to access all your pharmacy services from the comfort and privacy of home. Book a clinical consultation with our pharmacists, receive refill reminders, access to your medication information online and get free delivery of your prescription medications anywhere in Canada.

‍

* Pharmacy services in Quebec provided by Medzy | Pharmacie Sonia Boutin Inc.

ZONE 4
Guaranteed Acceptance
No medical questions or exams. Yes, this plan even covers pre-existing conditions. Applying is quick and easy!
Health Questionnaire Required
Your application will be evaluated. If you are taking prescription medication on an ongoing basis when you apply, or if you have a pre-existing medical condition, you will receive an offer for coverage that excludes the medications you’re currently taking and those approved by Health Canada to prevent or treat the medical conditions.
Basic Coverage
Comprehensive Coverage
Enhanced Coverage
##/mo.
Add optional hospital accomodation for $6
Apply nowCall Us
What's included
Prescription Drugs

Pays 80%. Maximums increase in the first three years, starting at $2,500 per person in Year 1.

Vision

Prescription eyeglasses, contact lenses, laser eye surgery. Maximum: $150 per person every 2 years. Eye exams: $80 per person every 2 years.

Travel Insurance

Multi-trip emergency medical for 15-day trips. $5,000,000 coverage per person every year.

ZONE 4
Coverage Details
$
Value
Your Total Monthly Premium
Potential Benefit Value of this Plan, Per Year
Per Person
ʰپDzٰܲ
2500
Dental (first year)
0
Vision (first year)
230
Registered Specialists and Therapists
4000
Subtotal of some key benefits available in the first year
[$00,000]
And this plan offers much more. Take a look below…
Apply nowCall Us
Prescription Drugs

Prescription Drugs

װʿ Insurance plans offer coverage for generic prescription medications that are approved for use in Canada, have a DIN, require a prescription by law and have been prescribed by an authorized medical practitioner. Brand name prescription medications may be covered if no generic equivalent exists. Smoking cessation products and drugs for the treatment of obesity, infertility and erectile dysfunction are not covered. Quebec residents must be covered by the RAMQ (Régie de l’assurance maladie du Québec) plan. Prescription drug claims must be submitted to RAMQ first. When RAMQ reimburses a portion of the drug cost, unpaid balances (including co-payments and deductibles) will be co‑ordinated so that you may be reimbursed up to 100% of the eligible expense incurred. If the drug is not covered by RAMQ, the standard co-pay applies.

Maximums:‍

Pays 80% up to

Year 1 - 2: $2,500

Year 3+: $3,500 per person per year

Dental

Recall Frequency

Basic Services

What's this for?

Includes coverage towards:

Preventive cleaning
Routine examinations, x-rays
Fillings and extractions
Fluoride treatment for children

Comprehensive Basic
Services

What's this for?

Includes coverage towards:

Endodontic treatment – root canal therapy
Periodontal treatment – scaling and root planing, occlusal adjustment, equilibration
Denture repairs, rebasing, relining

Major Services

What's this for?

Includes coverage towards:

Crowns and onlays
Dentures
Bridgework

Orthodontic Services

What's this for?

includes coverage towards:

Straightening teeth and correcting the bite
Vision

Prescription Eyeglasses, Contact Lenses, Laser Eye Surgery

‍

Maximum:

$150 per person every 2 years

Eye Examination

Maximum:

$80 per person every 2 years

Extended Health Coverage

Chiropractor, Massage Therapist, Physiotherapist, Acupuncturist, Chiropodist or Podiatrist, Dietitian, Naturopath, Osteopath

‍

Maximums:

$40 per visit

$400 per person per practitioner, per year

‍

Speech Therapist

‍

Maximum:

$400 per person per year

Accidental Dental

Maximum:

$5,000 per person per year

Ambulance Transportation

Includes land and air

Hearing Aids

Maximums:

Year 1-4: $350

Year 5+: $500 per person every 4 years

Medical Services

Diagnostic tests and x-rays, dialysis equipment, laboratory tests

‍

Maximum:

$2,000 per person per year

Medical Items and Home Support Services (in-home nursing)

What's this for?

Extended Health Care

Medical Items include diabetic supplies (like blood glucose monitors and lancets), custom made boots or shoes, custom made foot orthotics, mobility aids (like canes, crutches, walkers, wheelchairs), prosthetics, aids for daily living (like hospital style beds, IV stands, a trapeze, a bedpan), braces, casts, catheters and ostomy supplies, compression stockings, respiratory/cardiology items like breathing and heart monitors for infants, compressors and oxygen.

Separate maximums for Medical Items and Home Support Services

‍

Maximums:

Year 1: $2,000

Year 2: $3,000

Year 3: $4,000

Year 4+: $5,000 per person per benefit category, per year

‍

Please note: CPAP, BIPAP, APAP and/or AMP machines and supplies are eligible for coverage with a max. of $500 in Year 1 and $500 in Year 2.

Travel

Multi-Trip Emergency Medical Travel Coverage Out-of-province or Country‍

‍
Maximums:

15 days per trip

$5,000,000 per person per year

Optional Hospital Accommodation

Optional benefit pays for the difference in cost between standard ward charges and semi-private and/or private accommodation in a public general hospital in your province or territory of residence.

‍

Maximum:

Up to 30 days per person per year

Preferred Hospital Accomodation
Telemedicine

װʿ Telemedicine

4 virtual visits per family every year with a licensed general health care practitioner, available 24/7, 365 days a year

Mental Health Services

Psychologist, Psychotherapist, Registered Social Worker

‍

Maximum:

$400 per person per year, combined

‍

װʿ Mental Health

4 hours of virtual counselling (2 hours for individual therapy, 2 hours for couples therapy) per person per year; additional therapy is eligible for coverage under the Psychology benefit

Pharmacy

װʿ Pharmacy makes it easy for you to access all your pharmacy services from the comfort and privacy of home. Book a clinical consultation with our pharmacists, receive refill reminders, access to your medication information online and get free delivery of your prescription medications anywhere in Canada.

‍

* Pharmacy services in Quebec provided by Medzy | Pharmacie Sonia Boutin Inc.

ZONE 3
Guaranteed Acceptance
No medical questions or exams. Yes, this plan even covers pre-existing conditions. Applying is quick and easy!
Health Questionnaire Required
Your application will be evaluated. If you are taking prescription medication on an ongoing basis when you apply, or if you have a pre-existing medical condition, you will receive an offer for coverage that excludes the medications you’re currently taking and those approved by Health Canada to prevent or treat the medical conditions.
Basic Coverage
Comprehensive Coverage
Enhanced Coverage
##/mo.
Apply nowCall Us
What's included
Dental

Pays 80% for basic and comprehensive basic services. Maximums increase in the first three years, starting at $600 per person in Year 1.

Vision

Prescription eyeglasses, contact lenses, laser eye surgery. Maximum: $150 per person every 2 years. Eye exams: $65 per person every 2 years.

Professional Services and Registered Therapists

Chiropractor, Physiotherapist, and more. Maximums: $20 / visit; $400 per person per practitioner every year.

Travel Insurance

Multi-trip emergency medical for 15-day trips. $5,000,000 coverage per person every year.

ZONE 3
Coverage Details
$
Value
Your Total Monthly Premium
Potential Benefit Value of this Plan, Per Year
Per Person
ʰپDzٰܲ
0
Dental (first year)
600
Vision (first year)
215
Registered Specialists and Therapists
4000
Subtotal of some key benefits available in the first year
[$00,000]
And this plan offers much more. Take a look below…
Apply nowCall Us
Prescription Drugs

Prescription Drugs

װʿ Insurance plans offer coverage for generic prescription medications that are approved for use in Canada, have a DIN, require a prescription by law and have been prescribed by an authorized medical practitioner. Brand name prescription medications may be covered if no generic equivalent exists. Smoking cessation products and drugs for the treatment of obesity, infertility and erectile dysfunction are not covered. Quebec residents must be covered by the RAMQ (Régie de l’assurance maladie du Québec) plan. Prescription drug claims must be submitted to RAMQ first. When RAMQ reimburses a portion of the drug cost, unpaid balances (including co-payments and deductibles) will be co‑ordinated so that you may be reimbursed up to 100% of the eligible expense incurred. If the drug is not covered by RAMQ, the standard co-pay applies.
Dental

Overall Maximums:

‍

Year 1: $600

Year 2: $800

Year 3+: $1,000 per person per year

Recall Frequency

9 months

Basic Services

What's this for?

Includes coverage towards:

Preventive cleaning
Routine examinations, x-rays
Fillings and extractions
Fluoride treatment for children

Pays 80%, subject to annual maximum

Comprehensive Basic
Services

What's this for?

Includes coverage towards:

Endodontic treatment – root canal therapy
Periodontal treatment – scaling and root planing, occlusal adjustment, equilibration
Denture repairs, rebasing, relining

Pays 80%, subject to annual maximum

Major Services

What's this for?

Includes coverage towards:

Crowns and onlays
Dentures
Bridgework

Available in Year 3+: Pays 50%, subject to annual maximum

Orthodontic Services

What's this for?

includes coverage towards:

Straightening teeth and correcting the bite

Not included

Vision

Prescription Eyeglasses, Contact Lenses, ‍Laser Eye Surgery

‍

Maximum:

$150 per person every 2 years

Eye Examination

Maximum:

$65 per person every 2 years

Extended Health Coverage

Chiropractor, Massage Therapist, Physiotherapist, Acupuncturist, Chiropodist / Podiatrist, Dietitian, Naturopath, Osteopath

‍

Maximums:

$20 per visit

$400 per person per practitioner every year

‍

Speech Therapist

‍

Maximum:

$400 per person per year

Accidental Dental

Maximum:

$5,000 per person per year

Ambulance Transportation

Includes land and air

Hearing Aids

Maximums:

Year 1-4: $350

Year 5+: $500 per person every 4 years

Medical Services

Diagnostic tests and x-rays, dialysis equipment, laboratory tests

‍

Maximum:

$2,000 per person per year

Medical Items and Home Support Services (in-home nursing)

What's this for?

Extended Health Care

Medical Items include diabetic supplies (like blood glucose monitors and lancets), custom made boots or shoes, custom made foot orthotics, mobility aids (like canes, crutches, walkers, wheelchairs), prosthetics, aids for daily living (like hospital style beds, IV stands, a trapeze, a bedpan), braces, casts, catheters and ostomy supplies, compression stockings, respiratory/cardiology items like breathing and heart monitors for infants, compressors and oxygen.

Separate maximums for Medical Items and Home Support Services

‍

Maximums:

Year 1: $2,000

Year 2: $3,000

Year 3: $4,000

Year 4+: $5,000 per person per benefit category, per year

‍

Please note: CPAP, BiPAP, APAP and/or AMP machines and supplies are eligible for coverage with a max. of $500 in Year 1 and $500 in Year 2.

Travel

Multi-Trip Emergency Medical Travel Coverage Out-of-province or Country‍

‍

Maximums:

15 days per trip

$5,000,000 per person per year

Optional Hospital Accommodation

Not Available

Preferred Hospital Accomodation
Telemedicine

װʿ Telemedicine

4 virtual visits per family every year with a licensed general health care practitioner, available 24/7, 365 days a year

Mental Health Services

Psychologist, Psychotherapist, Registered Social Worker

Maximum:

$400 per person per year, combined

‍

װʿ Mental Health

4 hours of virtual counselling (2 hours for individual therapy, 2 hours for couples therapy) per person per year; additional therapy is eligible for coverage under the Psychology benefit

Pharmacy

װʿ Pharamacy makes it easy for you to access all your pharmacy services from the comfort and privacy of home. Book a clinical consultation with our pharmacists, receive refill reminders, access to your medication information online and get free delivery of your prescription medications anywhere in Canada.

‍

* Pharmacy services in Quebec provided by Medzy | Pharmacie Sonia Boutin Inc.

LINK 3
Guaranteed Acceptance
No medical questions or exams. Yes, this plan even covers pre-existing conditions. Applying is quick and easy!
Health Questionnaire Required
Your application will be evaluated. If you are taking prescription medication on an ongoing basis when you apply, or if you have a pre-existing medical condition, you will receive an offer for coverage that excludes the medications you’re currently taking and those approved by Health Canada to prevent or treat the medical conditions.
Basic Coverage
Comprehensive Coverage
Enhanced Coverage
##/mo.
Add optional hospital accomodation for $6
Apply nowCall Us
What's included
Prescription Drugs

Pays 80%. Maximums increase in the first three years, starting at $1,200 per person in Year 1.

Dental

Pays 80% for basic and comprehensive basic services. Maximums increase in the first three years, starting at $750 per person in Year 1.

Professional Services and Registered Therapists

Chiropractor, Physiotherapist, and more. Maximums: $40 / visit; $400per person per practitioner, every year.

Travel insurance

Multi-trip emergency medical for 15-day trips. $5,000,000 coverage per person every year.

LINK 3
Coverage Details
$
Value
Your Total Monthly Premium
Potential Benefit Value of this Plan, Per Year
Per Person
ʰپDzٰܲ
1200
Dental (first year)
750
Vision (first year)
315
Registered Specialists and Therapists
5000
Subtotal of some key benefits available in the first year
[$00,000]
And this plan offers much more. Take a look below…
Apply nowCall Us
Prescription Drugs

Prescription Drugs

װʿ Insurance plans offer coverage for generic prescription medications that are approved for use in Canada, have a DIN, require a prescription by law and have been prescribed by an authorized medical practitioner. Brand name prescription medications may be covered if no generic equivalent exists. Smoking cessation products and drugs for the treatment of obesity, infertility and erectile dysfunction are not covered. Quebec residents must be covered by the RAMQ (Régie de l’assurance maladie du Québec) plan. Prescription drug claims must be submitted to RAMQ first. When RAMQ reimburses a portion of the drug cost, unpaid balances (including co-payments and deductibles) will be co‑ordinated so that you may be reimbursed up to 100% of the eligible expense incurred. If the drug is not covered by RAMQ, the standard co-pay applies.

Maximums:

Pays 80% up to

Year 1: $1,200

Year 2: $1,350

Year 3+: $1,500 per person per year

‍

Dental

Overall Maximums:

Year 1: $750

Year 2: $1,000

Year 3+: $1,250 per person per year

Recall Frequency

9 months

Basic Services

What's this for?

Includes coverage towards:

Preventive cleaning
Routine examinations, x-rays
Fillings and extractions
Fluoride treatment for children

Pays 80%, subject to annual maximum

Comprehensive Basic
Services

What's this for?

Includes coverage towards:

Endodontic treatment – root canal therapy
Periodontal treatment – scaling and root planing, occlusal adjustment, equilibration
Denture repairs, rebasing, relining

Pays 80%, subject to annual maximum

Major Services

What's this for?

Includes coverage towards:

Crowns and onlays
Dentures
Bridgework

Available in Year 3+: Pays 50%, subject to annual maximum

Orthodontic Services

What's this for?

includes coverage towards:

Straightening teeth and correcting the bite

Not included

Vision

Prescription Eyeglasses, Contact Lenses, Laser Eye Surgery

‍

Maximum:

$250 per person every 2 years

Eye Examination

Maximum:

$65 per person every 2 years

Extended Health Coverage

Chiropractor, Physiotherapist, Chiropodist / Podiatrist, Dietitian, Naturopath, Osteopath
‍

Maximums:

$400 per person per practitioner every year

‍

Massage Therapist, Acupuncturist

‍

Maximums:

$40 per visit

20 visits per person per practitioner, per year

‍

Speech Therapist

‍

‍Maximum:

$400 per person per year

Accidental Dental

Maximum:

$10,000 per person per year

Ambulance Transportation

Includes land and air

Hearing Aids

Maximum:

$500 per person every 4 years

Medical Services

Diagnostic tests and x-rays, dialysis equipment, laboratory tests

‍

Maximum:

$2,000 per person per year

Medical Items and Home Support Services (in-home nursing)

What's this for?

Extended Health Care

Medical Items include diabetic supplies (like blood glucose monitors and lancets), custom made boots or shoes, custom made foot orthotics, mobility aids (like canes, crutches, walkers, wheelchairs), prosthetics, aids for daily living (like hospital style beds, IV stands, a trapeze, a bedpan), braces, casts, catheters and ostomy supplies, compression stockings, respiratory/cardiology items like breathing and heart monitors for infants, compressors and oxygen.

Separate maximums for Medical Items and Home Support Services

‍

Maximums:

$5,000 per person per benefit category, per year

‍

CPAP, BiPAP, APAP and/or AMP machines and supplies are eligible for coverage.

Travel

Multi-Trip Emergency Medical Travel Coverage Out-of-province or Country

‍

Maximums:

15 days per trip

$5,000,000 per person every year

Optional Hospital Accommodation
Preferred Hospital Accomodation

This benefit is automatically included. It pays for the difference in cost between standard ward charges and semi-private and/or private accommodation in a public general hospital in your province/territory of residence.

‍

Maximums:

$200 per person per day

30 days per year

Telemedicine

װʿ Telemedicine

4 virtual visits per family every year with a licensed general health care practitioner, available 24/7, 365 days a year

Mental Health Services

Psychologist / Psychotherapist / Registered Social Worker

‍

Maximum:

$600 per person per year, combined

‍

װʿ Mental Health

4 hours of virtual counselling (2 hours for individual therapy, 2 hours for couples therapy) per person per year; additional therapy is eligible for coverage under the Psychology benefit

Pharmacy

װʿ Pharmacy makes it easy for you to access all your pharmacy services from the comfort and privacy of home. Book a clinical consultation with our pharmacists, receive refill reminders, access to your medication information online and get free delivery of your prescription medications anywhere in Canada.

‍

* Pharmacy services in Quebec provided by Medzy | Pharmacie Sonia Boutin Inc.

ZONE 1
Guaranteed Acceptance
No medical questions or exams. Yes, this plan even covers pre-existing conditions. Applying is quick and easy!
Health Questionnaire Required
Your application will be evaluated. If you are taking prescription medication on an ongoing basis when you apply, or if you have a pre-existing medical condition, you will receive an offer for coverage that excludes the medications you’re currently taking and those approved by Health Canada to prevent or treat the medical conditions.
Basic Coverage
Comprehensive Coverage
Enhanced Coverage
##/mo.
Apply nowCall Us
What's included
Vision

Prescription eyeglasses, contact lenses, laser eye surgery. Maximum $150 per person every 2 years. Eye exams: $65 per person every 2 years.

Professional Services and Registered Therapists

Chiropractor, Physiotherapist, and more. Maximums: $20 / visit; $300 per person per practitioner, every year.

Accidental Dental

Maximum: $5,000 per person per year.

Travel insurance

Multi-trip emergency medical for 15-day trips. $5,000,000 coverage per person every year.

ZONE 1
Coverage Details
$
Value
Your Total Monthly Premium
Potential Benefit Value of this Plan, Per Year
Per Person
ʰپDzٰܲ
0
Dental (first year)
0
Vision (first year)
215
Registered Specialists and Therapists
3000
Subtotal of some key benefits available in the first year
[$00,000]
And this plan offers much more. Take a look below…
Apply nowCall Us
Prescription Drugs

Prescription Drugs

װʿ Insurance plans offer coverage for generic prescription medications that are approved for use in Canada, have a DIN, require a prescription by law and have been prescribed by an authorized medical practitioner. Brand name prescription medications may be covered if no generic equivalent exists. Smoking cessation products and drugs for the treatment of obesity, infertility and erectile dysfunction are not covered. Quebec residents must be covered by the RAMQ (Régie de l’assurance maladie du Québec) plan. Prescription drug claims must be submitted to RAMQ first. When RAMQ reimburses a portion of the drug cost, unpaid balances (including co-payments and deductibles) will be co‑ordinated so that you may be reimbursed up to 100% of the eligible expense incurred. If the drug is not covered by RAMQ, the standard co-pay applies.
Dental

Recall Frequency

Basic Services

What's this for?

Includes coverage towards:

Preventive cleaning
Routine examinations, x-rays
Fillings and extractions
Fluoride treatment for children

Comprehensive Basic
Services

What's this for?

Includes coverage towards:

Endodontic treatment – root canal therapy
Periodontal treatment – scaling and root planing, occlusal adjustment, equilibration
Denture repairs, rebasing, relining

Major Services

What's this for?

Includes coverage towards:

Crowns and onlays
Dentures
Bridgework

Orthodontic Services

What's this for?

includes coverage towards:

Straightening teeth and correcting the bite
Vision

Prescription Eyeglasses, Contact Lenses, Laser Eye Surgery

‍
Maximum:

$150 per person every 2 years.

Eye Examination

Maximum:

$65 per person every 2 years.

Extended Health Coverage

Chiropractor, Massage Therapist, Physiotherapist, Acupuncturist, Chiropodist / Podiatrist, Dietitian, Naturopath, Osteopath

‍

Maximums:

$20 per visit

$300 per person per practitioner, every year

‍

Speech Therapist

‍

Maximum:

$300 per person per year

Accidental Dental

Maximum:

$5,000 per person per year

Ambulance Transportation

Includes land and air

Hearing Aids

Maximums:

Year 1-4: $300

Year 5+: $400 per person every 4 years

Medical Services

Diagnostic tests and x-rays, dialysis equipment, laboratory tests

‍

Maximum:

$2,000 per person per year

Medical Items and Home Support Services (in-home nursing)

What's this for?

Extended Health Care

Medical Items include diabetic supplies (like blood glucose monitors and lancets), custom made boots or shoes, custom made foot orthotics, mobility aids (like canes, crutches, walkers, wheelchairs), prosthetics, aids for daily living (like hospital style beds, IV stands, a trapeze, a bedpan), braces, casts, catheters and ostomy supplies, compression stockings, respiratory/cardiology items like breathing and heart monitors for infants, compressors and oxygen.

Separate maximums for Medical Items and Home Support Services

‍

Maximums:

Year 1: $1,000

Year 2: $1,500

Year 3: $2,000

Year 4+: $2,500 per person per benefit category, per year

‍

Please note: CPAP, BiPAP, APAP and/or AMP machines and supplies are eligible for coverage with a max. of $250 in Year 1 and $250 in Year 2.

Travel

Multi-Trip Emergency Medical Travel Coverage Out-of-province or Country

‍

Maximums:

15 days per trip

$5,000,000 per person per year

Optional Hospital Accommodation

Not Available

Preferred Hospital Accomodation
Telemedicine

װʿ Telemedicine

4 virtual visits per family every year with a licensed general health care practitioner, available 24/7, 365 days a year

Mental Health Services

Psychologist / Psychotherapist / Registered Social Worker

‍

Maximum:

$300 per person per year, combined

‍

װʿ Mental Health:

4 hours of virtual counselling (2 hours for individual therapy, 2 hours for couples therapy) per person per year. Additional therapy is eligible for coverage under the Psychology benefit.

Pharmacy

װʿ Pharmacy makes it easy for you to access all your pharmacy services from the comfort and privacy of home. Book a clinical consultation with our pharmacists, receive refill reminders, access to your medication information online and get free delivery of your prescription medications anywhere in Canada.

‍

* Pharmacy services in Quebec provided by Medzy | Pharmacie Sonia Boutin Inc.

LINK 2
Guaranteed Acceptance
No medical questions or exams. Yes, this plan even covers pre-existing conditions. Applying is quick and easy!
Health Questionnaire Required
Your application will be evaluated. If you are taking prescription medication on an ongoing basis when you apply, or if you have a pre-existing medical condition, you will receive an offer for coverage that excludes the medications you’re currently taking and those approved by Health Canada to prevent or treat the medical conditions.
Basic Coverage
Comprehensive Coverage
Enhanced Coverage
##/mo.
Add optional hospital accomodation for $6
Apply nowCall Us
What's included
Prescription Drugs

Pays 80%. Maximums increase in the first three years, starting at $750 per person in Year 1.

Dental

Pays 80% for basic and comprehensive basic services. Maximums increase in the first three years, starting at $600 per person in Year 1.

Professional Services and Registered Therapists

Chiropractor, Physiotherapist, and more. Maximums $300 / visit; $300 per person per practitioner every year

Travel insurance

Multi-trip emergency medical for 10-day trips. $5,000,000 coverage per person every year.

LINK 2
Coverage Details
$
Value
Your Total Monthly Premium
Potential Benefit Value of this Plan, Per Year
Per Person
ʰپDzٰܲ
750
Dental (first year)
600
Vision (first year)
250
Registered Specialists and Therapists
3300
Subtotal of some key benefits available in the first year
[$00,000]
And this plan offers much more. Take a look below…
Apply nowCall Us
Prescription Drugs

Prescription Drugs

װʿ Insurance plans offer coverage for generic prescription medications that are approved for use in Canada, have a DIN, require a prescription by law and have been prescribed by an authorized medical practitioner. Brand name prescription medications may be covered if no generic equivalent exists. Smoking cessation products and drugs for the treatment of obesity, infertility and erectile dysfunction are not covered. Quebec residents must be covered by the RAMQ (Régie de l’assurance maladie du Québec) plan. Prescription drug claims must be submitted to RAMQ first. When RAMQ reimburses a portion of the drug cost, unpaid balances (including co-payments and deductibles) will be co‑ordinated so that you may be reimbursed up to 100% of the eligible expense incurred. If the drug is not covered by RAMQ, the standard co-pay applies.

Maximums:‍

Pays 80% up to

Year 1: $750

Year 2: $900

Year 3+: $1,100 per person per year

Dental

Overall maximums:

Year 1: $600

Year 2: $800

Year 3+: $1,000 per person per year

Recall Frequency

9 months

Basic Services

What's this for?

Includes coverage towards:

Preventive cleaning
Routine examinations, x-rays
Fillings and extractions
Fluoride treatment for children

Pays 80%, subject to annual maximum

Comprehensive Basic
Services

What's this for?

Includes coverage towards:

Endodontic treatment – root canal therapy
Periodontal treatment – scaling and root planing, occlusal adjustment, equilibration
Denture repairs, rebasing, relining

Pays 80%, subject to annual maximum

Major Services

What's this for?

Includes coverage towards:

Crowns and onlays
Dentures
Bridgework

Not included

Orthodontic Services

What's this for?

includes coverage towards:

Straightening teeth and correcting the bite

Not included

Vision

Prescription Eyeglasses, Contact Lenses, Laser Eye Surgery

‍

Maximum:

$200 per person every 2 years

Eye Examination

Maximum:

$50 per person every 2 years

Extended Health Coverage

Chiropractor, Physiotherapist, Chiropodist / Podiatrist, Dietitian, Naturopath, Osteopath
‍

Maximums:

$300 per person per practitioner, per year

‍

Massage Therapist, Acupuncturist

‍

Maximums:

$20 per visit

15 visits per person per practitioner, per year

‍

Speech Therapist

‍

Maximum:

$300 per person per year

Accidental Dental

Maximum:

$5,000 per person per year

Ambulance Transportation

Includes land and air

Hearing Aids

Maximum:

$400 per person every 4 years

Medical Services

Diagnostic tests and x-rays, dialysis equipment, laboratory tests

‍

Maximum:

$2,000 per person per year

Medical Items and Home Support Services (in-home nursing)

What's this for?

Extended Health Care

Medical Items include diabetic supplies (like blood glucose monitors and lancets), custom made boots or shoes, custom made foot orthotics, mobility aids (like canes, crutches, walkers, wheelchairs), prosthetics, aids for daily living (like hospital style beds, IV stands, a trapeze, a bedpan), braces, casts, catheters and ostomy supplies, compression stockings, respiratory/cardiology items like breathing and heart monitors for infants, compressors and oxygen.

Separate maximums for Medical Items and Home Support Services

‍

Maximums:

$2,500 per person per benefit category, per year

‍

CPAP, BiPAP, APAP and/or AMP machines and supplies are eligible for coverage.

Travel

Multi-Trip Emergency Medical Travel Coverage Out-of-province or Country

‍

Maximums:

10 days per trip

$5,000,000 per person per year

Optional Hospital Accommodation

This benefit is automatically included. It pays for the difference in cost between standard ward charges and semi-private and/or private accommodation in a public general hospital in your province/territory of residence.

‍

Maximums:

$200 per person per day

30 days per year

Preferred Hospital Accomodation

This benefit is automatically included. It pays for the difference in cost between standard ward charges and semi-private and/or private accommodation in a public general hospital in your province/territory of residence.

‍

Maximums:

$200 per person per day

30 days per year

Telemedicine

װʿ Telemedicine

4 virtual visits per family every year with a licensed general health care practitioner, available 24/7, 365 days a year

Mental Health Services

Psychologist / Psychotherapist / Registered Social Worker

‍

Maximum:

$600 per person per year, combined

‍

װʿ Mental Health

4 hours of virtual counselling (2 hours for individual therapy, 2 hours for couples therapy) per person per year; additional therapy is eligible for coverage under the Psychology benefit

Pharmacy

װʿ Pharmacy makes it easy for you to access all your pharmacy services from the comfort and privacy of home. Book a clinical consultation with our pharmacists, receive refill reminders, access to your medication information online and get free delivery of your prescription medications anywhere in Canada.

‍

* Pharmacy services in Quebec provided by Medzy | Pharmacie Sonia Boutin Inc.

ZONE 2
Guaranteed Acceptance
No medical questions or exams. Yes, this plan even covers pre-existing conditions. Applying is quick and easy!
Health Questionnaire Required
Your application will be evaluated. If you are taking prescription medication on an ongoing basis when you apply, or if you have a pre-existing medical condition, you will receive an offer for coverage that excludes the medications you’re currently taking and those approved by Health Canada to prevent or treat the medical conditions.
Basic Coverage
Comprehensive Coverage
Enhanced Coverage
##/mo.
Apply nowCall Us
What's included
Dental

Pays 80% for basic services. Maximums increase in the first three years, starting at $500 per person in Year 1.

Vision

Prescription eyeglasses, contact lenses, laser eye surgery. Maximum: $150 per person every 2 years, Eye exams: $65 per person every 2 years.

Professional Services and Registered Therapists

Chiropractor, Physiotherapist, and more. Maximums: $20 / visit; $300 per person per practitioner every year.

Travel insurance

Multi-trip emergency medical for 15-day trips. $5,000,000 coverage per person every year.

ZONE 2
Coverage Details
$
Value
Your Total Monthly Premium
Potential Benefit Value of this Plan, Per Year
Per Person
ʰپDzٰܲ
0
Dental (first year)
500
Vision (first year)
215
Registered Specialists and Therapists
3000
Subtotal of some key benefits available in the first year
[$00,000]
And this plan offers much more. Take a look below…
Apply nowCall Us
Prescription Drugs

Prescription Drugs

װʿ Insurance plans offer coverage for generic prescription medications that are approved for use in Canada, have a DIN, require a prescription by law and have been prescribed by an authorized medical practitioner. Brand name prescription medications may be covered if no generic equivalent exists. Smoking cessation products and drugs for the treatment of obesity, infertility and erectile dysfunction are not covered. Quebec residents must be covered by the RAMQ (Régie de l’assurance maladie du Québec) plan. Prescription drug claims must be submitted to RAMQ first. When RAMQ reimburses a portion of the drug cost, unpaid balances (including co-payments and deductibles) will be co‑ordinated so that you may be reimbursed up to 100% of the eligible expense incurred. If the drug is not covered by RAMQ, the standard co-pay applies.
Dental

Overall Maximums: ‍

Year 1: $500

Year 2: $650

Year 3+: $800 per person per year

Recall Frequency

9 months

Basic Services

What's this for?

Includes coverage towards:

Preventive cleaning
Routine examinations, x-rays
Fillings and extractions
Fluoride treatment for children

Pays 80%, subject to annual maximum

Comprehensive Basic
Services

What's this for?

Includes coverage towards:

Endodontic treatment – root canal therapy
Periodontal treatment – scaling and root planing, occlusal adjustment, equilibration
Denture repairs, rebasing, relining

Year 1: Pays 50%, subject to annual maximum

Year 2: Pays 70%, subject to annual maximum

Year 3+: Pays 80%, subject to annual maximum

Major Services

What's this for?

Includes coverage towards:

Crowns and onlays
Dentures
Bridgework

Not included

Orthodontic Services

What's this for?

includes coverage towards:

Straightening teeth and correcting the bite

Not included

Vision

Prescription Eyeglasses, Contact Lenses, Laser Eye Surgery

‍

Maximum:

$150 per person every 2 years

Eye Examination

Maximum:

$65 per person every 2 years

Extended Health Coverage

Chiropractor, Massage Therapist, Physiotherapist, Acupuncturist, Chiropodist / Podiatrist, Dietitian, Naturopath, Osteopath
‍

Maximums:

$20 per visit

$300 per person per practitioner, every year
‍

Speech Therapist

‍

Maximum:

$300 per person per year

Accidental Dental

Maximum:

$5,000 per person per year

Ambulance Transportation

Includes land and air

Hearing Aids

Maximums:

Year 1-4: $300

Year 5+: $400 per person every 4 years

Medical Services

Diagnostic tests and x-rays, dialysis equipment, laboratory tests

‍

Maximum:
$2,000 per person per year

Medical Items and Home Support Services (in-home nursing)

What's this for?

Extended Health Care

Medical Items include diabetic supplies (like blood glucose monitors and lancets), custom made boots or shoes, custom made foot orthotics, mobility aids (like canes, crutches, walkers, wheelchairs), prosthetics, aids for daily living (like hospital style beds, IV stands, a trapeze, a bedpan), braces, casts, catheters and ostomy supplies, compression stockings, respiratory/cardiology items like breathing and heart monitors for infants, compressors and oxygen.

Separate maximums for Medical Items and Home Support Services

‍

Maximums:

Year 1: $2,000

Year 2: $3,000

Year 3: $4,000

Year 4+: $5,000 per person per benefit category, per year

‍

Please note: CPAP, BiPAP, APAP and/or AMP machines and supplies are eligible for coverage with a max. of $500 in Year 1 and $500 in Year 2.

Travel

Multi-Trip Emergency Medical Travel Coverage Out-of-province or Country

‍

Maximums:

15 days per trip

$5,000,000 per person per year

Optional Hospital Accommodation
Preferred Hospital Accomodation
Telemedicine

װʿ Telemedicine

4 virtual visits per family every year with a licensed general health care practitioner, available 24/7, 365 days a year

Mental Health Services

Psychologist / Psychotherapist / Registered Social Worker

‍

Maximum:

$300 per person per year, combined
‍

װʿ Mental Health

4 hours of virtual counselling (2 hours for individual therapy, 2 hours for couples therapy) per person per year; additional therapy is eligible for coverage under the Psychology benefit

Pharmacy

װʿ Pharmacy makes it easy for you to access all your pharmacy services from the comfort and privacy of home. Book a clinical consultation with our pharmacists, receive refill reminders, access to your medication information online and get free delivery of your prescription medications anywhere in Canada.

‍

* Pharmacy services in Quebec provided by Medzy | Pharmacie Sonia Boutin Inc.

LINK 4
Guaranteed Acceptance
No medical questions or exams. Yes, this plan even covers pre-existing conditions. Applying is quick and easy!
Health Questionnaire Required
Your application will be evaluated. If you are taking prescription medication on an ongoing basis when you apply, or if you have a pre-existing medical condition, you will receive an offer for coverage that excludes the medications you’re currently taking and those approved by Health Canada to prevent or treat the medical conditions.
Basic Coverage
Comprehensive Coverage
Enhanced Coverage
##/mo.
Apply nowCall Us
What's included
Prescription Drugs

Pays 80%. Maximums increase in the first three years, starting at $2,300 per person in Year 1.

Dental

Pays 80% for basic and comprehensive basic services. Maximums increase in the first three years, starting at $1,000 per person in Year 1. 

Professional Services and Registered Therapists

Chiropractor, Physiotherapist, and more. Maximums: $600 per practitioner; $1,200 combined per person every year.

Travel Insurance

Multi-trip emergency medical for 15-day trips. $5,000,000 coverage per person every year.

LINK 4
Coverage Details
$
Value
Your Total Monthly Premium
Potential Benefit Value of this Plan, Per Year
Per Person
ʰپDzٰܲ
2300
Dental (first year)
1000
Vision (first year)
380
Registered Specialists and Therapists
4400
Subtotal of some key benefits available in the first year
[$00,000]
And this plan offers much more. Take a look below…
Apply nowCall Us
Prescription Drugs

Prescription Drugs

װʿ Insurance plans offer coverage for generic prescription medications that are approved for use in Canada, have a DIN, require a prescription by law and have been prescribed by an authorized medical practitioner. Brand name prescription medications may be covered if no generic equivalent exists. Smoking cessation products and drugs for the treatment of obesity, infertility and erectile dysfunction are not covered. Quebec residents must be covered by the RAMQ (Régie de l’assurance maladie du Québec) plan. Prescription drug claims must be submitted to RAMQ first. When RAMQ reimburses a portion of the drug cost, unpaid balances (including co-payments and deductibles) will be co‑ordinated so that you may be reimbursed up to 100% of the eligible expense incurred. If the drug is not covered by RAMQ, the standard co-pay applies.

Maximums: ‍‍

Pays 80% up to

Year 1: $2,300

Year 2: $2,400

Year 3: $2,500

Year 4+: $2,700 per person per year

Dental

Overall Maximums: ‍

Year 1: $1,000

Year 2: $1,250

Year 3+: $1,750 per person per year

Recall Frequency

6 months

Basic Services

What's this for?

Includes coverage towards:

Preventive cleaning
Routine examinations, x-rays
Fillings and extractions
Fluoride treatment for children

Pays 80%, subject to annual maximum

Comprehensive Basic
Services

What's this for?

Includes coverage towards:

Endodontic treatment – root canal therapy
Periodontal treatment – scaling and root planing, occlusal adjustment, equilibration
Denture repairs, rebasing, relining

Pays 80%, subject to annual maximum

Major Services

What's this for?

Includes coverage towards:

Crowns and onlays
Dentures
Bridgework

Available in Year 3+: Pays 60%, subject to annual maximum

Orthodontic Services

What's this for?

includes coverage towards:

Straightening teeth and correcting the bite

Available in Year 3+: Pays 60%, subject to a $2,000 lifetime orthodontics maximum per person

Vision

Prescription Eyeglasses, Contact Lenses, ‍Laser Eye Surgery

‍‍

Maximum:

$300 per person every 2 years

Eye Examination

Maximum:

$80 per person every 2 years

Extended Health Coverage

Chiropractor, Physiotherapist, Chiropodist / Podiatrist, Dietitian, Naturopath, Osteopath
‍

Maximums:

$600 per person per practitioner, per year

Up to $1,200 per person per year combined

‍

Massage Therapist, Acupuncturist

‍

Maximums:

$50 per visit

20 visits per person per practitioner, per year

‍

Speech Therapist

‍

Maximum:

$600 per person per year

Accidental Dental

Maximum:

$10,000 per person per year

Ambulance Transportation

Includes land and air

Hearing Aids

Maximum:

$600 per person every 4 years

Medical Services

Diagnostic tests and x-rays, dialysis equipment, laboratory tests

‍

Maximum:

$2,000 per person per year

Medical Items and Home Support Services (in-home nursing)

What's this for?

Extended Health Care

Medical Items include diabetic supplies (like blood glucose monitors and lancets), custom made boots or shoes, custom made foot orthotics, mobility aids (like canes, crutches, walkers, wheelchairs), prosthetics, aids for daily living (like hospital style beds, IV stands, a trapeze, a bedpan), braces, casts, catheters and ostomy supplies, compression stockings, respiratory/cardiology items like breathing and heart monitors for infants, compressors and oxygen.

Separate maximums for Medical Items and Home Support Services

‍

Maximums:

$5,000 per person per benefit category, per year

‍

CPAP, BiPAP, APAP and/or AMP machines and supplies are eligible for coverage.

Travel

Multi-Trip Emergency Medical Travel Coverage Out-of-province or Country

‍

Maximums:

15 days per trip

$5,000,000 per person per year

Optional Hospital Accommodation

This benefit is automatically included. It pays for the difference in cost between standard ward charges and semi-private and/or private accommodation in a public general hospital in your province/territory of residence.

‍

Maximums:

$250 per person per day

30 days per year

Preferred Hospital Accomodation

This benefit is automatically included. It pays for the difference in cost between standard ward charges and semi-private and/or private accommodation in a public general hospital in your province/territory of residence.

‍

Maximums:

$250 per person per day

30 days per year

Telemedicine

װʿ Telemedicine

4 virtual visits per family every year with a licensed general health care practitioner, 24/7, 365 days a year

Mental Health Services

Psychologist / Psychotherapist / Registered Social Worker

‍

Maximum:

$600 per person per year, combined

‍

װʿ Mental Health Counselling:

4 hours of virtual counselling (2 hours for individual therapy, 2 hours for couples therapy) per person per year; additional therapy is eligible for coverage under the Psychology benefit

Pharmacy

װʿ Pharmacy makes it easy for you to access all your pharmacy services from the comfort and privacy of home. Book a clinical consultation with our pharmacists, receive refill reminders, access to your medication information online and get free delivery of your prescription medications anywhere in Canada.

‍

* Pharmacy services in Quebec provided by Medzy | Pharmacie Sonia Boutin Inc.

LINK 1
Guaranteed Acceptance
No medical questions or exams. Yes, this plan even covers pre-existing conditions. Applying is quick and easy!
Health Questionnaire Required
Your application will be evaluated. If you are taking prescription medication on an ongoing basis when you apply, or if you have a pre-existing medical condition, you will receive an offer for coverage that excludes the medications you’re currently taking and those approved by Health Canada to prevent or treat the medical conditions.
Basic Coverage
Comprehensive Coverage
Enhanced Coverage
##/mo.
Add optional hospital accomodation for $6
Apply nowCall Us
What's included
Prescription Drugs

Pays 80%. Maximums increase in the first three years, starting at $500 per person in Year 1. 

Professional Services and Registered Therapists

Chiropractor, Physiotherapist, and more. Maximums: $20 / visit; $300 per person per practitioner every year.

Preferred Hospital Accommodation

$200 per day, up to 30 days per person every year.

Travel insurance

Multi-trip emergency medical for 10-day trips. $5,000,000 coverage per person every year.

LINK 1
Coverage Details
$
Value
Your Total Monthly Premium
Potential Benefit Value of this Plan, Per Year
Per Person
ʰپDzٰܲ
500
Dental (first year)
0
Vision (first year)
200
Registered Specialists and Therapists
3300
Subtotal of some key benefits available in the first year
[$00,000]
And this plan offers much more. Take a look below…
Apply nowCall Us
Prescription Drugs

Prescription Drugs

װʿ Insurance plans offer coverage for generic prescription medications that are approved for use in Canada, have a DIN, require a prescription by law and have been prescribed by an authorized medical practitioner. Brand name prescription medications may be covered if no generic equivalent exists. Smoking cessation products and drugs for the treatment of obesity, infertility and erectile dysfunction are not covered. Quebec residents must be covered by the RAMQ (Régie de l’assurance maladie du Québec) plan. Prescription drug claims must be submitted to RAMQ first. When RAMQ reimburses a portion of the drug cost, unpaid balances (including co-payments and deductibles) will be co‑ordinated so that you may be reimbursed up to 100% of the eligible expense incurred. If the drug is not covered by RAMQ, the standard co-pay applies.

Maximums:

‍Pays 80% up to

Year 1: $500

Year 2: $650

Year 3+: $800 per person per year

Dental

Recall Frequency

Basic Services

What's this for?

Includes coverage towards:

Preventive cleaning
Routine examinations, x-rays
Fillings and extractions
Fluoride treatment for children

Comprehensive Basic
Services

What's this for?

Includes coverage towards:

Endodontic treatment – root canal therapy
Periodontal treatment – scaling and root planing, occlusal adjustment, equilibration
Denture repairs, rebasing, relining

Major Services

What's this for?

Includes coverage towards:

Crowns and onlays
Dentures
Bridgework

Orthodontic Services

What's this for?

includes coverage towards:

Straightening teeth and correcting the bite
Vision

Prescription Eyeglasses, ‍Contact Lenses, Laser Eye Surgery

‍

Maximum:

$150 per person every 2 years

Eye Examination

Maximum:

$50 per person every 2 years

Extended Health Coverage

Chiropractor, Physiotherapist, Chiropodist / Podiatrist, Dietitian, Naturopath, Osteopath

‍

Maximums:

$20 per visit

$300 per person per practitioner every year
‍

Massage Therapist, Acupuncturist

‍

Maximums:

$20 per visit

15 visits per person per practitioner, per year

‍

Speech Therapist

‍

Maximum:

$300 per person per year

Accidental Dental

Maximum:

$2,500 per person per year

Ambulance Transportation

Includes land and air

Hearing Aids

Maximum:

$300 per person every 4 years

Medical Services

Diagnostic tests and x-rays, dialysis equipment, laboratory tests

‍‍

Maximum:

$2,000 per person per year

Medical Items and Home Support Services (in-home nursing)

What's this for?

Extended Health Care

Medical Items include diabetic supplies (like blood glucose monitors and lancets), custom made boots or shoes, custom made foot orthotics, mobility aids (like canes, crutches, walkers, wheelchairs), prosthetics, aids for daily living (like hospital style beds, IV stands, a trapeze, a bedpan), braces, casts, catheters and ostomy supplies, compression stockings, respiratory/cardiology items like breathing and heart monitors for infants, compressors and oxygen.

Separate maximums for Medical Items and Home Support Services

‍

Maximum:

$1,500 per person per benefit category, per year

‍

CPAP, BiPAP, APAP and/or AMP machines and supplies are eligible for coverage.

Travel

Multi-Trip Emergency Medical Travel Coverage Out-of-province or Country

‍

Maximums:

10 days per trip

$5,000,000 per person per year

Optional Hospital Accommodation

This benefit is automatically included. It pays for the difference in cost between standard ward charges and semi-private and/or private accommodation in a public general hospital in your province/territory of residence.

‍

Maximums:

$200 per person per day

30 days per year

Preferred Hospital Accomodation

This benefit is automatically included. It pays for the difference in cost between standard ward charges and semi-private and/or private accommodation in a public general hospital in your province/territory of residence.

‍

Maximums:

$200 per person per day

30 days per year

Telemedicine

װʿ Telemedicine

4 virtual visits per family every year with a licensed general health care practitioner, available 24/7, 365 days a year

Mental Health Services

Psychologist / Psychotherapist / Registered Social Worker

‍‍

Maximum:

$600 per person per year, combined

‍

װʿ Mental Health

4 hours of virtual counselling (2 hours for individual therapy, 2 hours for couples therapy) per person per year; additional therapy is eligible for coverage under the Psychology benefit

Pharmacy

װʿ Pharmacy makes it easy for you to access all your pharmacy services from the comfort and privacy of home. Book a clinical consultation with our pharmacists, receive refill reminders, access to your medication information online and get free delivery of your prescription medications anywhere in Canada.

‍

* Pharmacy services in Quebec provided by Medzy | Pharmacie Sonia Boutin Inc.