Myth

"In Canada, we're covered by the health care system. So I'm not worried about that."

Fact Canadian families are spending an increasing share of their household income on health care.1 Many employer-sponsored plans are leaner than ever before, leaving the policyholder with more out-of-pocket responsibility.

About 8 in 10 Canadians have financial concerns about the government's ability to fund health care, the cost of long-term care, and having enough money if they become disabled or critically ill.2

---

Supplementary health insurance

It starts where government coverage ends � for both routine and unexpected medical expenses.

Routine expenses:	Unexpected expenses as a result of:
Prescription drugs Dental care Eye exams and eyeglasses Massage therapy, physiotherapy, etc.	Travel by ambulance Hospitalization Home nursing care Travel medical emergencies

	Base	Bridge	Comprehensive
	Your acceptance is guaranteed regardless of health status and no medical exam is necessary at the time of application.	Coming off an existing group plan? Apply within 60 days of your coverage ending and no medical questionnaire is required at the time of application.	Enjoy the highest coverage maximums among the three plans, while caring for your family's health.

Extended Health Care (EHC)

	Base	Bridge	Comprehensive
Lifetime maximum on EHC benefits	$100,000	$200,000	$300,000
Reimbursement	Refer to each benefit
Registered specialists and therapists�	$600 combined max per year Chiropractic x-rays = $35 max per year	$650 combined max per year Chiropractic x-rays = $35 max per year	$700 combined max per year Chiropractic x-rays = $35 max per year
	Registered specialists and therapists - includes visits to acupuncturists, chiropractors, osteopaths, podiatrists, naturopaths, chiropodists, registered massage therapists, and physiotherapists.
Registered psychologists**	$80 max per first visit $65 max per subsequent visit 10-visit max per year	$80 max per first visit $65 max per subsequent visit 12-visit max per year	$80 max per first visit $65 max per subsequent visit 14-visit max per year
Registered speech therapists�**	$65 max per first visit $45 max per subsequent visit 10-visit max per year	$65 max per first visit $45 max per subsequent visit 12-visit max per year	$65 max per first visit $45 max per subsequent visit 14-visit max per year
Homecare & nursing, Prosthetic appliances and Durable medical equipment	For each benefit: Year 1: $750 Year 2: $1,000 Year 3+: $1,500	For each benefit: Year 1: $1,000 Year 2: $1,500 Year 3+: $2,500	For each benefit: $3,500  per year
Diabetic supplies	Included in Durable medical equipment
Custom-made orthotics	$200 max per year	$250 max per year	$300 max per year
Accidental dental	$2,000 max per year	$2,500 max per year	$3,000 max per year
Hearing aids	$400 max per 5 consecutive benefit years	$500 max per 5 consecutive benefit years	$600 max per 4 consecutive benefit years
Ambulance services�	Unlimited ground and air transportation
Lifeline� Personal Emergency Response Service	6 months per 3-year period, including installation fee
	Provides 24-hour monitoring service for people coping with medical problems at home.
Diagnostic services (available in Quebec only)	Audiologist: $500 per year Magnetic Resonance Imaging: $500 per year CAT Scans: $200 per year Ultrasound Scans: $50 per year Laboratory Tests: $100 per category per year Prostate Specific Antigen (PSA) Test: $75 per year Cancer Antigen (CA) 125 Tests: $75 per year

Additional Benefits

	Base	Bridge	Comprehensive
Fracture benefit	Up to $350 max	Up to $400 max	Up to $500 max
	Pays a scheduled amount depending on which bone is fractured.
Health Service Navigator�***	Included
	All covered family members can quickly and easily get answers to questions and access to support services. Easily accessible on the web or with a simple call to a dedicated toll-free line, Health Service Navigator� can supply information, medical coordination services and resources on how to navigate the Canadian health care system. And, if you want a second opinion from a world-class hospital, Health Service Navigator� can help you get it.
Survivor benefit	Included
	Provides for continuous coverage for 1 year, following the death of an adult policyholder. Premiums are waived for the (1) year.

Prescription Drugs^�

	Base	Bridge	Comprehensive
Generic* coverage	Mandatory generic substitution*
Dispensing fee	No maximum on dispensing fee
Reimbursement	80% of eligible expenses	85% of eligible expenses	90% of eligible expenses
Yearly maximums	$750 max per year	$1,200 max per year	$2,500 max per year
IMPORTANT INFORMATION for Quebec residents: The prescription drug coverage available under these plans is intended to be a replacement for the RAMQ Plan. This benefit is compliant with the requirements of the prescription drug insurance legislation and regulations in Quebec for all drugs covered under the RAMQ list. In order to be eligible for coverage under this plan, you must have a valid provincial health card. If you are or will soon be 65 years of age, or are covered under a private group health insurance plan, you may apply for prescription drug coverage, which is supplemental to your existing prescription drug insurance coverage.  This plan is only available through our dedicated Representatives and not available online. For more information or to apply, please call 1-877-598-2273 to speak to a Representative today. Exclusions: Smoking cessation drugs, fertility drugs, birth control drugs, erectile dysfunction drugs, and over-the-counter drugs.

Dental Services

	Base	Bridge	Comprehensive
	Yearly maximums: Year 1: $650 Year 2: $850 Year 3+: $1,000 Recall visits every 9 months 3-year recall visit for complete oral exam, complete x-ray series and panoramic films	Yearly maximums: Year 1: $750 Year 2: $900 Year 3+: $1,250 Recall visits every 9 months 3-year recall visit for complete oral exam, complete x-ray series and panoramic films	Yearly maximums Year 1: $850 Year 2: $1,100 Year 3+: $1,500 Recall visits every 6 months 3-year recall visit for complete oral exam, complete x-ray series and panoramic films
Basic services	50% of eligible expenses	80% of eligible expenses	90% of eligible expenses
	Reimbursement on exams, cleanings, fillings, scaling, polishing, root planing, diagnostic, select extractions and other basic dental services.
Extensive services	50% of eligible expenses	80% of eligible expenses	90% of eligible expenses
	Reimbursement on extensive services including oral surgery, endodontics and periodontics, as well as denture services.
Major restorative	60% of eligible expenses starting in year 3	60% of eligible expenses starting in year 3	60% of eligible expenses starting in year 1
	Reimbursement on crowns, bridges, dentures and orthodontics.

Vision Care

	Base	Bridge	Comprehensive
	$200 max for 2 consecutive benefit years   $50 max for optometrist visit fees per 2 consecutive benefit years�	$275 max for 2 consecutive benefit years   $60 max for optometrist visit fees per 2 consecutive benefit years�	$350 max for 2 consecutive benefit years   $60 max for optometrist visit fees per 2 consecutive benefit years�

Hospital Benefits

	Base	Bridge	Comprehensive
Accommodation type	Semi-private room	Semi-private room	Semi-private or Private room
Reimbursement per year	80% for first 60 days 60% on next 90 days $175 max per day	100% for first 90 days 60% on next 90 days $175 max per day	100% $200 max per day
Cash benefit in lieu of accommodation	$35 per day $2,100 yearly max	$50 per day $3,000 yearly max	$50 per day $5,000 yearly max

Travel Coverage

	Base	Bridge	Comprehensive
	$5 million per year 16-day trip duration No deductible 24-hour assistance Coverage ends at age 80	$5 million per year 21-day trip duration No deductible 24-hour assistance Coverage ends at age 80	$5 million per year 30-day trip duration No deductible 24-hour assistance Coverage ends at age 80

Benefits payable are up to reasonable and customary charges.

* Generic Drug - A generally less expensive alternative to an interchangeable brand-name drug product. Please note: Not all drugs have a generic equivalent. If a non-generic drug is purchased, payment will be based on the lowest generic drug cost equivalent. If no generic brand exists, payment of the brand-name price will be made at the reimbursement level of your plan.

** Written authorization from a physician is required.

*** Preferred Vision & Hearing Services (PVS) are offered through Manulife. Manulife cannot guarantee the availability of either Health Service Navigator or Preferred Vision & Hearing Services (PVS) but will make reasonable efforts to provide a similar benefit if necessary.

� Prescription drug coverage in the provinces of British Columbia, Saskatchewan, and Quebec is based on calendar year.

� Benefits are only payable after yearly maximums allowed under your provincial health insurance plan have been reached, if applicable.

Anniversary year means the consecutive 12 months following the effective date of the agreement, and each 12-month period thereafter.

Benefit year means the 12 consecutive months following the incurred date of the claim.

Calendar year means each successive 12-month period commencing January 1 and ending December 31. 

All references to "year" refer to anniversary year. When it relates to Hearing Aids and Vision Care benefits, year refers to benefit year.

Electronic claims submission

Insured plan members will receive a handy benefit card that enables your pharmacist and dentist to bill Manulife directly - giving you one less thing to worry about.

Travel insurance

All plans provide emergency travel coverage for trips outside your province or territory up to age 80. The trip coverage duration is 16 to 30 days depending on the plan you choose. It includes an Emergency Travel Assistance program designed to provide on-the-spot help in case of a medical, legal or personal emergency while travelling outside your province or territory. Emergency Travel Assistance is available worldwide, 24 hours a day, 365 days a year.

Health Service Navigator^�***

Helps you to quickly and easily get answers and access to support services. With just one call, you can receive information, medical co-ordination services and resources on how to navigate the Canadian health care system. Plus, if you want a second opinion from a world-class hospital, Health Service Navigator can help you get it.

Preferred Vision & Hearing Services (PVS)***

Offers discounts for vision and hearing aid products and services through participating optical retailers and preferred PVS Hearing Healthcare Centres. Additional information about this benefit can be found at www.pvs.ca.

You are eligible to apply for the Engineers Canada-sponsored Professional Retiree Health & Dental Plan if you are a Canadian resident, and:

• A member (including members in training) of the engineering regulators that license the country's 280,000 members of the profession; also included are student engineers who are members of a student section (in those associations where a student section exists) and who are within 24 months of expected graduation from a program accredited by the Canadian Engineering Accreditation Board;
• A member of the Ontario Society of Professional Engineers, or Reseau des ingenieurs du Quebec;
• A member of the Association of Professional Geoscientists of Ontario, Geoscientists Nova Scotia, or the Ordre des geologues du Quebec;
• A member of 1 of the 8 participating provincial associations of technicians and technologists;
• A member of the Manitoba Association of Architects, the Architects' Association of New Brunswick, the Nova Scotia Association of Architects or the Architects Association of Prince Edward Island;
• A full-time employee of Engineers Canada or one of the engineering regulators that license the country's 280,000 members of the profession or one of the participating organizations or of The Youth Science Foundation of Canada; or
• A limited licensee or a provincial licensee.

Your spouse and children are also eligible for plan benefits. To be eligible, children must be under age 21 at time of application, or under age 25 if they are full-time students. Covered children who are incapacitated and dependent on you for support will be covered up to any age.

For health care benefits, you and your family must be covered by your provincial or territorial government health insurance plan in Canada.

If you are applying for a plan that requires medical underwriting, before your application for insurance can be approved, you must provide satisfactory proof of good health. This involves completing the health questionnaire section of the application form.

If the plan is "Medically Underwritten" you must disclose any medical condition, injury or illness that occurred or existed on or before the date of your application, regardless of whether you went to see a doctor about the condition or were given a diagnosis, or whether or not you believe that it is important. The premium charged and/or benefits offered could be subject to adjustment or modification of coverage, or declined based on your or your family's medical background. This will be determined after an evaluation of the information provided on the medical questionnaire.

After reviewing your questionnaire, Manulife may require that you provide additional medical information and/or may require a medical report from your doctor. Please note that, based on your health information, Manulife may offer insurance on a modified basis or may decline to offer coverage.

Please note:

1. Rates vary based on age and increase as you enter a new age bracket. 
2. Rates are subject to change without notice.

To view rates, please select your province or territory:

Alberta

Alberta monthly premiums
Age	Base	Bridge	Comprehensive
Individual
18-44	$96.94	$114.09	$183.51
45-54	$132.70	$155.77	$233.42
55-59	$143.84	$169.47	$261.73
60-64	$157.21	$185.40	$277.55
65-69	$149.41	$176.49	$239.11
70-74	$147.41	$173.37	$227.30
75-79	$162.78	$191.75	$249.02
80-89	$112.87	$129.92	$179.39
90+	$156.10	$174.37	$199.66
Couple (per adult)
18-44	$95.71	$112.87	$182.28
45-54	$131.03	$154.21	$231.87
55-59	$142.06	$167.69	$260.05
60-64	$155.21	$183.51	$275.76
65-69	$147.74	$174.82	$237.55
70-74	$145.74	$171.81	$225.96
75-79	$161.11	$190.19	$247.69
80-89	$111.31	$128.47	$178.16
90+	$154.09	$172.48	$198.33
Child (for Families/Single Parents with 1 or 2 Children - per child)
00-25	$67.63	$79.33	$107.85
Child (for Families/Single Parents with 3 or more Children - per child)
00-25	$61.28	$71.98	$97.72

British Columbia

British Columbia monthly premiums
Age	Base	Bridge	Comprehensive
Individual
18-44	$100.61	$116.43	$184.40
45-54	$137.05	$158.10	$232.42
55-59	$147.07	$171.36	$259.39
60-64	$162.00	$189.19	$277.44
65-69	$149.19	$175.15	$230.75
70-74	$154.21	$178.94	$227.85
75-79	$169.47	$197.32	$249.69
80-89	$128.24	$144.73	$191.64
90+	$184.51	$203.79	$225.40
Couple (per adult)
18-44	$99.39	$115.21	$183.17
45-54	$135.38	$156.43	$230.86
55-59	$145.40	$169.58	$257.60
60-64	$160.11	$187.30	$275.65
65-69	$147.52	$173.48	$229.30
70-74	$152.53	$177.27	$226.52
75-79	$167.80	$195.65	$248.24
80-89	$126.57	$143.06	$190.19
90+	$182.17	$201.67	$223.84
Child (for Families/Single Parents with 1 or 2 Children - per child)
00-25	$65.85	$76.88	$102.06
Child (for Families/Single Parents with 3 or more Children - per child)
00-25	$59.72	$69.75	$92.59

Manitoba

Manitoba monthly premiums
Age	Base	Bridge	Comprehensive
Individual
18-44	$98.16	$113.09	$179.72
45-54	$133.04	$153.31	$226.63
55-59	$143.62	$166.57	$253.48
60-64	$157.66	$183.62	$270.53
65-69	$175.04	$199.89	$267.30
70-74	$176.60	$201.45	$261.39
75-79	$191.87	$219.83	$283.23
80-89	$145.07	$162.34	$220.17
90+	$198.77	$219.72	$252.70
Couple (per adult)
18-44	$97.05	$111.98	$178.49
45-54	$131.48	$151.75	$225.18
55-59	$141.95	$164.90	$251.81
60-64	$155.88	$181.84	$268.75
65-69	$173.15	$197.99	$265.63
70-74	$174.71	$199.66	$259.83
75-79	$189.97	$218.05	$281.56
80-89	$143.29	$160.56	$218.61
90+	$196.32	$217.38	$250.92
Child (for Families/Single Parents with 1 or 2 Children - per child)
00-25	$65.74	$75.77	$101.17
Child (for Families/Single Parents with 3 or more Children - per child)
00-25	$59.61	$68.75	$91.81

New Brunswick

New Brunswick monthly premiums
Age	Base	Bridge	Comprehensive
Individual
18-44	$107.63	$123.12	$196.66
45-54	$147.63	$168.69	$249.02
55-59	$158.44	$182.62	$277.10
60-64	$175.04	$201.89	$296.93
65-69	$194.54	$220.28	$293.70
70-74	$195.54	$221.73	$286.91
75-79	$210.81	$240.11	$308.63
80-89	$161.78	$180.17	$243.23
90+	$232.09	$255.15	$291.25
Couple (per adult)
18-44	$106.41	$122.00	$195.43
45-54	$146.07	$167.24	$247.46
55-59	$156.77	$180.95	$275.43
60-64	$173.26	$200.11	$295.15
65-69	$192.53	$218.38	$292.03
70-74	$193.65	$219.83	$285.24
75-79	$208.91	$238.22	$307.07
80-89	$160.00	$178.38	$241.67
90+	$229.53	$252.70	$289.36
Child (for Families/Single Parents with 1 or 2 Children - per child)
00-25	$72.31	$81.56	$109.19
Child (for Families/Single Parents with 3 or more Children - per child)
00-25	$65.63	$73.98	$98.94

Newfoundland & Labrador

Newfoundland & Labrador monthly premiums
Age	Base	Bridge	Comprehensive
Individual
18-44	$101.06	$116.66	$184.73
45-54	$137.94	$159.55	$233.54
55-59	$147.74	$172.03	$260.50
60-64	$162.56	$189.75	$278.22
65-69	$179.61	$205.68	$272.98
70-74	$181.73	$208.02	$267.85
75-79	$196.99	$226.41	$289.58
80-89	$150.75	$169.02	$226.74
90+	$215.82	$238.88	$270.08
Couple (per adult)
18-44	$99.94	$115.54	$183.51
45-54	$136.38	$157.99	$232.09
55-59	$146.18	$170.36	$258.83
60-64	$160.78	$187.97	$276.43
65-69	$177.71	$203.79	$271.31
70-74	$179.83	$206.13	$266.18
75-79	$195.10	$224.51	$288.02
80-89	$148.97	$167.24	$225.18
90+	$213.26	$236.43	$268.30
Child (for Families/Single Parents with 1 or 2 Children - per child)
00-25	$66.07	$76.77	$102.62
Child (for Families/Single Parents with 3 or more Children - per child)
00-25	$59.94	$69.64	$93.04

Northwest Territories, Nunavut & Yukon

Northwest Territories, Nunavut & Yukon monthly premiums
Age	Base	Bridge	Comprehensive
Individual
18-44	$127.58	$150.75	$243.34
45-54	$172.92	$204.46	$307.41
55-59	$185.18	$220.50	$342.17
60-64	$207.35	$245.68	$368.58
65-69	$231.53	$268.19	$363.56
70-74	$243.56	$279.44	$365.01
75-79	$258.83	$297.83	$386.85
80-89	$223.51	$250.14	$336.71
90+	$305.51	$338.61	$386.63
Couple (per adult)
18-44	$126.46	$149.64	$242.23
45-54	$171.48	$202.90	$305.96
55-59	$183.62	$218.83	$340.50
60-64	$205.57	$243.90	$366.79
65-69	$229.64	$266.29	$361.89
70-74	$241.56	$277.44	$363.34
75-79	$256.82	$295.93	$385.18
80-89	$221.50	$248.24	$335.04
90+	$302.73	$336.04	$384.73
Child (for Families/Single Parents with 1 or 2 Children - per child)
00-25	$85.35	$102.39	$139.83
Child (for Families/Single Parents with 3 or more Children - per child)
00-25	$77.33	$92.70	$126.46

Nova Scotia

Nova Scotia monthly premiums
Age	Base	Bridge	Comprehensive
Individual
18-44	$104.73	$118.89	$188.41
45-54	$142.73	$162.23	$237.99
55-59	$153.31	$175.38	$265.18
60-64	$169.47	$194.32	$284.01
65-69	$150.64	$175.49	$230.53
70-74	$155.65	$179.83	$227.74
75-79	$170.92	$198.22	$249.58
80-89	$128.69	$144.40	$190.86
90+	$190.86	$210.14	$231.20
Couple (per adult)
18-44	$103.51	$117.66	$187.19
45-54	$141.06	$160.56	$236.43
55-59	$151.53	$173.70	$263.51
60-64	$167.46	$192.31	$282.23
65-69	$149.08	$173.93	$229.08
70-74	$154.09	$178.27	$226.41
75-79	$169.36	$196.66	$248.24
80-89	$127.02	$142.84	$189.53
90+	$188.52	$207.91	$229.64
Child (for Families/Single Parents with 1 or 2 Children - per child)
00-25	$69.75	$77.66	$103.06
Child (for Families/Single Parents with 3 or more Children - per child)
00-25	$63.29	$70.53	$93.48

Ontario

Ontario monthly premiums
Age	Base	Bridge	Comprehensive
Individual
18-44	$109.86	$127.24	$204.90
45-54	$146.18	$170.14	$254.93
55-59	$156.88	$183.73	$284.12
60-64	$175.60	$205.35	$306.96
65-69	$168.91	$198.44	$266.41
70-74	$186.41	$214.59	$275.99
75-79	$201.78	$232.98	$297.83
80-89	$178.16	$197.99	$261.17
90+	$234.09	$258.38	$288.47
Couple (per adult)
18-44	$108.63	$126.02	$203.68
45-54	$144.62	$168.47	$253.37
55-59	$155.21	$182.06	$282.34
60-64	$173.70	$203.45	$305.18
65-69	$167.13	$196.77	$264.96
70-74	$184.62	$212.70	$274.43
75-79	$199.89	$231.09	$296.27
80-89	$176.16	$196.10	$259.61
90+	$231.42	$255.82	$286.68
Child (for Families/Single Parents with 1 or 2 Children - per child)
00-25	$69.86	$83.34	$113.98
Child (for Families/Single Parents with 3 or more Children - per child)
00-25	$63.40	$75.65	$103.29

Prince Edward Island

Prince Edward Island monthly premiums
Age	Base	Bridge	Comprehensive
Individual
18-44	$105.51	$121.56	$193.31
45-54	$144.40	$166.13	$244.90
55-59	$154.76	$179.61	$272.53
60-64	$170.58	$198.44	$291.59
65-69	$172.26	$198.88	$263.29
70-74	$175.71	$201.34	$258.16
75-79	$190.97	$219.72	$280.00
80-89	$145.18	$162.78	$217.38
90+	$211.48	$232.98	$261.06
Couple (per adult)
18-44	$104.29	$120.33	$192.09
45-54	$142.84	$164.57	$243.45
55-59	$152.98	$177.83	$270.86
60-64	$168.69	$196.54	$289.80
65-69	$170.47	$197.21	$261.73
70-74	$173.93	$199.55	$256.71
75-79	$189.19	$217.94	$278.55
80-89	$143.51	$161.11	$215.93
90+	$208.91	$230.75	$259.27
Child (for Families/Single Parents with 1 or 2 Children - per child)
00-25	$70.31	$80.56	$107.97
Child (for Families/Single Parents with 3 or more Children - per child)
00-25	$63.73	$73.09	$97.83

Quebec 

The following rates reflect prescription drug coverage available under these plans which is intended to be a replacement for the RAMQ Plan.

If you are or will soon be 65 years of age, or are covered under a employee group health insurance plan, you may apply for prescription drug coverage, which is supplemental to your existing prescription drug insurance coverage.

Quebec monthly premiums
Age	Base	Bridge	Comprehensive
Individual
18-44	$165.79	$186.63	$252.03
45-54	$227.97	$256.04	$329.69
55-59	$262.84	$294.71	$381.72
60-64	$273.87	$307.96	$395.54
65-69	$318.66	$342.17	$412.81
70-74	$319.22	$341.28	$408.47
75-79	$334.59	$359.66	$430.30
80-89	$287.13	$300.39	$371.59
90+	$345.07	$357.99	$405.68
Couple (per adult)
18-44	$164.57	$185.40	$250.81
45-54	$226.41	$254.48	$328.13
55-59	$261.17	$293.03	$379.94
60-64	$272.09	$306.18	$393.76
65-69	$316.88	$340.39	$411.03
70-74	$317.55	$339.61	$406.68
75-79	$332.81	$357.99	$428.52
80-89	$285.57	$298.83	$369.80
90+	$342.84	$355.76	$403.67
Child (for Families/Single Parents with 1 or 2 Children - per child)
00-25	$70.97	$92.37	$117.88
Child (for Families/Single Parents with 3 or more Children - per child)
00-25	$67.97	$86.80	$111.20

The premium includes the 9% provincial sales tax.

Saskatchewan

Saskatchewan monthly premiums
Age	Base	Bridge	Comprehensive
Individual
18-44	$96.71	$109.19	$173.82
45-54	$130.58	$147.85	$218.05
55-59	$140.95	$160.56	$243.45
60-64	$155.10	$176.93	$260.83
65-69	$142.73	$173.70	$213.81
70-74	$145.96	$177.38	$212.59
75-79	$161.34	$195.76	$234.43
80-89	$126.24	$143.06	$176.38
90+	$187.63	$205.57	$187.19
Couple (per adult)
18-44	$95.49	$107.97	$172.59
45-54	$128.91	$146.18	$216.49
55-59	$139.16	$158.88	$241.67
60-64	$153.09	$175.04	$258.94
65-69	$141.06	$171.92	$212.37
70-74	$144.40	$175.60	$211.25
75-79	$159.66	$193.98	$233.09
80-89	$124.57	$141.50	$175.04
90+	$185.18	$203.23	$185.74
Child (for Families/Single Parents with 1 or 2 Children - per child)
00-25	$64.07	$71.20	$95.15
Child (for Families/Single Parents with 3 or more Children - per child)
00-25	$58.16	$64.62	$86.35

You can apply for Engineers Canada insurance coverages a number of ways:

1. Apply Online using Garrett Agencies online applications
2. Download an application for completion and submit back to Garrett Agencies
3. Contact Us and an advisor can assist you with completion of the appropriate applications

In all cases, you will be contacted, and a professional advisor will review your application to ensure proper completion.

After the application:

Once the application has been completed, a medical professional from a third party paramedical service may call you to arrange a home visit at your convenience. The insurance company may also contact your doctor to request medical records.

Throughout this process, Garrett Agencies will be communicating with you to keep you up to date on progress and may request additional information from you.

Once the insurance company has received and reviewed all the information required, they will issue an offer for insurance which you may choose to either accept or decline.

To apply, please choose one of the following options:

Download An Application Contact Us

What's the difference between the Prime Health & Dental plan versus the new Professional Retiree Health & Dental plan?

If you purchase the Prime plan, you will be purchasing the Dental Care coverage separately from the Extended Health Care coverage - so there are two quotes. However, when you purchase one of the three options of the new Professional Retiree plan, you get a quote for both Health and Dental combined. Also, the Prime plan lifetime maximum for claims outside Canada is reduced to $12,500 at age 65, while it remains the same under the new Professional Retiree plan.

What is the annual limit per practitioner under registered specialists and therapists (such as chiropractors, massage therapists, psychologists, etc.)?

For the Prime plan, there is a calendar year limit of $500 for each practitioner. Under the new Professional Retiree plans, the combined anniversary year maximums are $600 for the Base plan, $650 for the Bridge plan, and $700 for the Comprehensive plan.