Engineers Canada insurance plans
Professional Health & Dental Plans
Three health and dental plans for members who are self-employed, leaving a workplace plan or retired, with a way in whatever your health.
Underwritten by The Manufacturers Life Insurance Company (Manulife).
- 3 plans
- Base, Bridge and Comprehensive
- No health questions
- for Base, and Bridge within 60 days
- Dental past 65
- for as long as you pay premiums
Underwritten by Manulife
Key features
What the plans cover
Health and dental coverage that starts where your provincial plan ends, for you, your spouse and your children.
- Health
Prescription drugs
80% to 90% of eligible drugs, depending on the plan, up to $750 to $2,500 a year.
- Health
Specialists and therapists
Chiropractors, physiotherapists, massage therapists, naturopaths and more, up to $600 to $700 a year combined, plus psychologists and speech therapists.
- Health
Vision care
$200 to $350 every two years for glasses, contacts or laser eye surgery, plus optometrist visits.
- Health
Emergency travel
Coverage outside your province or territory to age 80, for 16 to 30 days a trip depending on the plan, with 24/7 assistance.
- Health
Hospital and homecare
Semi-private or private hospital rooms, homecare and nursing, medical equipment and ambulance services.
- Dental
Dental care
Exams, cleanings, fillings and extractions from 50% to 90%, with yearly maximums that rise over your first three years.
Also included
- 30-day money-back guaranteeReturn your certificate within 30 days for a refund of the premium paid.
- Online claimsSubmit claims online, with direct deposit.
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
Choose a plan
Three ways in
The plans differ in how you qualify and how much they pay. Start with how you qualify.
- Guaranteed acceptance
Base
No health questions, apply any time.
Basic health and dental coverage for you and your family, whatever your health history.
Pre-existing conditions covered.
- Guaranteed issue
Bridge
No health questions if you apply within 60 days of leaving a group plan.
A middle level of coverage for people coming off a workplace plan or Prime.
Pre-existing conditions covered.
- Medically underwritten
Comprehensive
Health questions, apply any time.
The highest maximums of the three, for people who qualify on health.
Pre-existing conditions excluded.
Leaving a workplace plan? The 60-day window for Bridge is the one deadline that matters most here. Talk to us before it passes.
What each plan pays
Side by side, per person
Main amounts by plan, per person. From Manulife’s plan comparison chart; the sample contract has the full terms.
| Base | Bridge | Comprehensive | |
|---|---|---|---|
| Health lifetime maximum | $100,000 | $200,000 | $300,000 |
| Prescription drugs | 80%, $750 a year | 85%, $1,200 a year | 90%, $2,500 a year |
| Specialists and therapists | $600 a year combined | $650 a year combined | $700 a year combined |
| Dental, basic | 50% | 80% | 90% |
| Dental yearly maximum | $650, rising to $1,000 | $750, rising to $1,250 | $850, rising to $1,500 |
| Major dental | 60% from year 3 | 60% from year 3 | 60% from year 1 |
| Vision, every 2 years | $200 | $275 | $350 |
| Emergency travel, to 80 | 16 days a trip | 21 days a trip | 30 days a trip |
Coverage that keeps going
Dental continues past 65, for as long as premiums are paid.
Survivor benefit
Coverage continues premium-free for a year after an adult policyholder dies.
Virtual care
TELUS Health Virtual Care: 24/7 text or video access to Canadian medical professionals.
See everything the plans cover
- Prescription drugs: eligible prescription drugs for you and your covered family.
- Dental services: exams, cleanings, fillings, select extractions, X-rays and more; major restorative care such as crowns, bridges and dentures.
- Vision care: prescription lenses, frames and contact lenses, laser eye surgery and optometrist visits.
- Hospital benefits: preferred hospital accommodation above the standard ward rate.
- Registered specialists and therapists: chiropractors, acupuncturists, osteopaths, podiatrists, naturopaths, chiropodists, registered massage therapists, physiotherapists, psychologists and speech therapists.
- Travel: emergency coverage for trips outside your province or territory, to age 80, with 24/7 worldwide assistance.
- Homecare and nursing: care at home from a registered nurse, registered practical nurse, certified home support worker, occupational therapist, registered nursing assistant or health care aide.
- Prosthetic appliances and medical equipment: bandages and dressings, crutches, non-electric wheelchairs, hospital beds, oxygen, artificial limbs and eyes, splints, casts and breast prostheses.
- Accidental dental: treatment after an accidental blow to the head or mouth, over and above your regular dental coverage.
- Hearing aids: purchase or repair.
- Ambulance services: licensed ground or air ambulance to hospital.
- Fracture benefit: a scheduled amount depending on the bone fractured.
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
A Canadian resident, 18 or older, covered by a provincial or territorial health plan.
Base and Bridge have no health questions (Bridge within 60 days of leaving a group plan). Comprehensive asks health questions.
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
- You can cover your spouse and children too.
- 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.
- Everyone covered must be on a provincial or territorial health plan.
Rates
What it costs
Premiums depend on your province, your age, the plan 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 care
- Anything a government health plan or a manufacturer rebate program pays for
- Cosmetic care, except reconstructive surgery after disease or injury
- Care that isn’t medically necessary, or that is experimental
- Charges above usual, reasonable and customary amounts
- A hospital stay that began before your coverage did, unless it’s for an emergency after you applied
- Care in a chronic care or psychiatric hospital or unit, or a long-term care facility
- Drugs or services you prescribed yourself, or that a family member prescribed
- Conditions named in a counteroffer letter you accepted (Comprehensive)
- War, terrorism and civil unrest
Emergency travel
- Conditions that weren’t stable in the 9 months before you left
- Treatment that isn’t an emergency, or could wait until you’re home
- Travel to seek treatment, travel against medical advice, or after a terminal prognosis
- Childbirth or pregnancy complications after the 26th week
- Mental or nervous disorders, and substance abuse
- Destinations under a government “avoid all travel” or “avoid all non-essential travel” advisory
- Emergency care above $5 million per person
Limitations
The plans aren’t designed to match the coverage you had under a group plan. You must be covered for 12 months before changing your benefits, and if you cancel, you must wait 24 months before applying for another Manulife individual health plan.
Common questions
Professional Health & Dental FAQ
What’s the difference between Prime and the Professional plans?
Prime is medically underwritten and designed mainly for members under 65. The Professional plans are three plans with different ways to qualify, and dental continues past 65.
What’s the annual limit per practitioner?
For Prime, each practitioner type has a limit of $500 a calendar year. Under the Professional plans, the combined yearly maximums are $600 for Base, $650 for Bridge and $700 for Comprehensive.
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.