Engineers Canada insurance plans
Prime Health & Dental Plan
Your own health and dental coverage, beyond what your provincial plan pays, wherever your professional life takes you. Apply for one plan or both, for yourself or your family.
Underwritten by The Manufacturers Life Insurance Company (Manulife).
- $1 million
- lifetime health maximum, under 65
- $1,500 a year
- in dental, per person
- Travel included
- first 60 days of each trip
Underwritten by Manulife
Key features
What the plans cover
Two plans you can take together or on their own: Prime Health pays eligible health expenses your provincial plan doesn’t, and Prime Dental covers routine and major dental care.
- Health
Prescription drugs
80% after a $50 deductible, then 100% once a person’s eligible expenses reach $2,500 in a year. Pay-direct drug card.
- Health
Health practitioners
Up to $500 per practitioner type each year, across ten types including physiotherapists, massage therapists, chiropractors and psychologists.
- Health
Hospital rooms
100% of private or semi-private room costs above standard ward rates, anywhere in Canada.
- Health
Vision care
Up to $250 every two years for glasses, contacts or laser eye surgery, plus $80 for eye exams.
- Health
Built-in travel coverage
Emergency coverage for the first 60 days of each trip outside your province, with 24/7 worldwide assistance.
- Dental
Basic and major dental
80% of basic care and 50% of major care such as crowns, after a $50 deductible, up to $1,500 per person each year.
Also included
- 30-day money-back guaranteeReturn your certificate within 30 days for a refund of the premium paid.
- Guaranteed re-entryLeave after two years to join a workplace plan, and rejoin later with no health questions (within 10 years, under 55).
- Coordination of benefitsAlso covered under a spouse’s plan? You may be able to claim up to 100% of a covered expense.
- Survivor continuationIf you die while insured, your spouse and children can keep the coverage they have.
See everything the plans cover
Prime Health
- Prescription drugs: 80% after a $50 deductible ($100 per family), then 100% once a person’s eligible expenses reach $2,500 in a calendar year. Generic substitution; pay-direct drug card.
- Travel vaccines: up to $250 per person each calendar year, when prescribed for travel outside Canada.
- Health practitioners: up to $500 per practitioner each calendar year: chiropractors, osteopaths, chiropodists or podiatrists, naturopaths, psychologists (or psychotherapists), physiotherapists, massage therapists, speech therapists, acupuncturists and registered dietitians.
- Hospital: 100% of private or semi-private room costs above ward rates in Canada; convalescent hospital up to 180 days; long-term care facility up to 90 days.
- Vision: up to $250 every two benefit years for glasses, contacts or laser eye surgery, and up to $80 for eye exams.
- Private duty nursing: up to $10,000 for any one injury or illness in 12 consecutive months.
- Medical supplies and equipment (80%): hearing aids (up to $500 every 5 years), artificial limbs or eyes, casts, splints, braces and crutches, oxygen, wheelchair and hospital bed rental, orthotics and orthopedic shoes (up to $225 a year), diabetic supplies (glucometers up to $500 a year).
- Accidental dental: up to $750 per tooth, for treatment within two years of the accident.
- Ambulance: licensed ground or air ambulance to the nearest suitable hospital.
- Repatriation: up to $15,000 to bring you home after an injury or illness while travelling.
- Emergency travel: the first 60 days of each trip outside your province (75 days in total in any six months), with 24/7 assistance.
Prime Dental
- Basic care (80%): exams, X-rays, cleanings, fillings, root canals, periodontal care, extractions and denture maintenance.
- Major care (50%): crowns, inlays and onlays, dentures and bridgework.
- How it pays: after a $50 deductible per person ($100 per family), up to $1,500 per person each calendar year, based on your province’s dental fee guide.
- If treatment is expected to cost more than $500, send a treatment plan first so you know what will be paid.
Talk to us about this plan
Our advice on the Engineers Canada plans comes at no additional cost.
Book a callOr call 1-800-661-3300
Coverage over time
What changes at 65
- Before 65Health: a $1 million lifetime maximum ($5 million for emergency travel). Dental: up to $1,500 per person each year.
- Age 65Dental coverage ends. Health continues with lower maximums: $50,000 in Canada and $25,000 outside. Apply for dental before 65 and health before 66.
Planning for retirement?
The Professional Health & Dental Plans are designed for members after they retire, and their dental coverage continues past 65. If you travel outside Canada after 65, you may want supplemental travel coverage.
Who can apply
Eligibility
Who
Canadian residents who are members of an engineering or geoscience regulator (including members in training), a participating technologist or architect association, or an accredited engineering student.
Ages and requirements
Under 66 to apply for health coverage, and under 65 for dental. Health coverage asks health questions; dental doesn’t.
You and your family must be covered by a provincial or territorial health plan.
See full eligibility
You can apply if you’re a Canadian resident and:
- A member of the engineering regulators that license the country’s 300,000 members of the profession (including members in training), or an engineering student in a program accredited by the Canadian Engineering Accreditation Board
- A member of the Ontario Society of Professional Engineers or Genium360
- A member of the Association of Professional Geoscientists of Ontario, Geoscientists Nova Scotia or the Ordre des géologues du Québec
- A member of one of the participating provincial associations of professional 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, one of the engineering regulators or participating organizations, or Youth Science Canada
- A limited licensee or a provincial licensee
- If you’re applying or already covered, you can add your spouse and children who are covered by a government health plan.
- Children must be under 25, and those 21 to 24 must be in full-time study at an accredited college or university. Children who are incapacitated and depend on you are covered at any age.
Rates
What it costs
Health and dental premiums depend on your province, your age and who you cover, so we quote them individually.
Provincial sales tax is added to premiums in Manitoba, Ontario and Quebec.
Exclusions and limitations
Health: pre-existing conditions
Manulife may exclude a condition based on the health information on your application or from your doctor. An excluded condition isn’t covered.
Health: what the plan pays
The plan pays only eligible expenses that your provincial or territorial plan, or any other government or insurance program, doesn’t. It pays up to reasonable and customary charges, and Manulife can recover what it paid from a third party who is responsible.
Health: travel outside your province or Canada
- Coverage is for the first 60 consecutive days of each trip, and 75 days in total for all trips in any six months.
- Treatment that isn’t needed for the immediate relief of acute pain or suffering, or that could wait until you’re home, isn’t covered. Nor is treatment you choose to have away after emergency care, if you could have come home for it.
- Travel to obtain medical or hospital services isn’t covered, even on a doctor’s advice.
- Conditions you were treated for, or took medication for, in the 90 days before you left aren’t covered, unless the condition was stable and controlled by medication with no change in medication or dose.
- Pregnancy, childbirth or their complications within two months of the expected birth date aren’t covered.
- Nothing is covered where a government travel advisory said “avoid all non-essential travel” or “avoid all travel” before you left.
- Losses caused by driving while impaired, professional sports, speed contests, scuba diving without basic certification, bungee jumping, parachuting, parasailing, mountaineering, spelunking or flying other than as a passenger on a commercial airline aren’t covered.
Dental: what isn’t covered
- Recall visits more often than every 9 months
- Services arranged or started before your coverage began
- White fillings on molars, and stainless steel crowns on permanent teeth
- Cosmetic care, and protective athletic appliances
- Replacing a lost or stolen prosthesis
- Full mouth reconstruction, vertical dimension correction, or treatment of the jaw joint (TMJ)
- Broken appointments and completing claim forms
- Self-inflicted injuries
- Care covered by an employer’s medical plan or a government plan
- Charges that wouldn’t exist without the coverage, or costs after your coverage ends
Dental: limitations
The plan pays reasonable and customary charges up to your province’s general practitioner dental fee guide. Where two treatments are suitable, it pays for the less expensive one. It doesn’t pay for care covered by a government program or other insurance.
Common questions
Prime Health & Dental FAQ
What are the limits per eligible expense, per person?
- Eye exams: $80 every 24 months
- Prescription eyewear: $250 every 24 months
- Health care practitioner (such as chiropractors, physiotherapists, massage therapists and psychologists): $500 per practitioner, per calendar year
- Private duty nursing: $10,000 for any one injury or sickness every 12 months
- Hearing aids: $500 every 5 years
- Orthotics and orthopedic shoes: $225 (combined) per calendar year
- Glucometers: $500 per calendar year
- Accidental dental: $750 per tooth
- Prescribed vaccines (required for out-of-Canada travel): $250 per calendar year
- Repatriation: $15,000 per injury or sickness
- Dental care: $1,500 per calendar year
I only see rates to age 65. Does coverage end at 65?
Your health coverage continues past 65, with lower maximums from then on: $50,000 for eligible expenses in Canada and $25,000 outside Canada. Dental coverage ends at 65. Call us for the premiums after 65.
Related plans
Often considered together
A question about your coverage? Ask us.
No obligation. We’ll tell you plainly what we think, including when you already have what you need.