Replacement Health Insurance

No longer covered by an employee benefits package? Don’t stress; we’re here to help.

From retiring to launching your own business, we know leaving a job can interrupt your everyday wellness plan and cause unnecessary stress as you start a new adventure. Make your transition as smooth as possible with one of our Replacement Health Coverage plans. They’re bundled to include coverage for prescription drugs, vision care, dental, travel and more. And with guaranteed acceptance and no medical questions, enrolling is seamless and hassle-free.

Get a Free Quote Help Me Choose a Plan

We offer three options to support you on your new adventure.

PremierPlan

PremierPlan is the best plan to cover your current and future health care needs, no matter what. Whether you’re changing jobs, starting a new venture or retiring, this plan allows you to adapt to your new lifestyle without having to lose the health benefits coverage you’re used to, guaranteed.

Benefits include:

This plan is called “Premier” for a reason – it provides the most complete coverage available and allows you to take care of your family even when your employment situation changes. It provides up to $2,500 per year for prescriptions and 100 per cent coverage for services such as massage and physio. It covers your everyday and emergency medical needs and offers our highest benefit for vision care. Emergency medical travel coverage is included for trips up to 15 days outside of Canada and 183 days within Canada.

Check out the chart below for a full list of benefits and to compare your options.

Buy Now Get a Quote
ChoicePlan

This plan covers all you need to live well.

Benefits include:

With this plan you can be in control of your own health, without costing you a fortune. ChoicePlan provides benefit coverage for a wide variety of health needs, from prescriptions to dental to emergency hospital stays.

With this plan you’ll get up to $1,250 per year for prescriptions and 80% coverage for services such as acupuncture and chiro. You’ll also get a generous benefit for preferred hospital rooms and private-duty nursing. Plus, you get emergency medical travel coverage for an unlimited number of trips up to seven days outside of Canada and 183 days within Canada. The best part of this plan is the comfort in knowing you can keep your loved ones healthy and happy.

Check out the chart below for a full list of benefits and to compare your options.

Buy Now Get a Quote
EssentialPlan

This plan covers the essentials that aren’t part of a government health plan and allows you to keep living a healthy lifestyle.

Benefits include:

  • Vision care
  • Chiro, naturopath and massage treatments
  • Dental
  • TELUS Health

This plan will help keep you covered as your health needs change. Covering a wide number of needs that aren’t covered by government insurance, you can keep yourself and your family protected, no matter what.

Plan for emergencies

EssentialPlan covers the added costs of an emergency, from ambulance rides, both road and air, to the cost of medical equipment such as crutches or wheelchairs. With this plan, you don’t have to worry about anything other than the important things during an emergency.

Check out the chart below for a list of full plan benefits and to compare your options.

Buy Now Get a Quote

Helping you live well with TELUS Health

A total wellness program with tools designed to help improve your mental and physical health.

TELUS Health is included in all Replacement Health plans!

Learn More about TELUS Health

Guaranteed acceptance so you don’t have to worry

Life is full of exciting changes, and we want to make sure you can enjoy them. If you’re leaving a group benefits plan, we’re happy to offer you guaranteed acceptance for our Replacement Health Coverage if you apply within 90 days of leaving. We won’t even bother you with pesky medical questions – all you have to do is apply and we’ll get you started!

Our plans complement your lifestyle.

We do our best to make your life easy.

  • Pharmacies, dentists as well as health and vision practitioners (ex. Massage Therapist, Chiropractor, Optometrist) can directly bill us for covered expenses, no need for you to submit a claim. See our Provider Locator to find health and vision service providers near you.
  • Send us your claim online and sign up for direct deposit, so you can get your money back faster.
  • Get discounts on eyewear at Factory Optical and Optiks International. Find out more >
  • Search our Prescription Drug Lookup Tool to find out which drugs are covered under your plan.

Let's compare your options.

PremierPlan

ChoicePlan

EssentialPlan

Prescription Drugs

80% to $2,500

80% to $1,250

Not included

Dental Care

  • 80% preventative & basic
  • 50% major
  • $1,500 combined maximum
  • 80% preventative & basic
  • 50% major
  • $1,250 combined maximum
  • 80% preventative & basic
  • 50% major
  • $1,000 combined maximum

Accidental Dental

$2,000 / injury

$2,000 / injury

$2,000 / injury

Private Duty Nursing

80% to $5,000

80% to $3,000

80% to $1,000

Preferred Hospital Room

80% to $10,000 annual maximum

80% to $5,000 annual maximum

80% to $2,000 annual maximum

Custom Made Foot Orthotics & Orthopedic Shoes

$300

$300

$300

Health Practitioners

$600 combined maximum

80% to $600 combined maximum

50% to $600 combined maximum

Counselling Services

Combined maximum of $65 / visit x 10 visits

Combined maximum of $65 / visit x 10 visits

Combined maximum of $65 / visit x 5 visits

Vision Care

$300 / 2 years combined maximum, including 1 eye exam every 2 years

$150 / 2 years combined maximum, including 1 eye exam every 2 years

$100 / 2 years combined maximum, including 1 eye exam every 2 years

Hearing Aids

$800 / 5 years

$500 / 5 years

$500 / 5 years

Ground & Air Ambulance

Unlimited

Unlimited

Unlimited

Medical Equipment & Supplies

  • $3,000 combined maximum
  • $2,500 lifetime limit on sleep apnea machine
  • $3,000 combined maximum
  • $2,500 lifetime limit on sleep apnea machine
  • $3,000 combined maximum
  • $2,500 lifetime limit on sleep apnea machine

Wheelchairs, Motorized Scooters & Hospital Beds

80% to $10,000 combined lifetime maximum

80% to $10,000 combined lifetime maximum

80% to $10,000 combined lifetime maximum

Artificial Limbs, Eyes & Larynx

$10,000 combined lifetime maximum

$10,000 combined lifetime maximum

$10,000 combined lifetime maximum

Breast Prosthesis

$325 single / 2 years
$650 bi-lateral / 2 years

$325 single / 2 years
$650 bi-lateral / 2 years

$325 single / 2 years
$650 bi-lateral / 2 years

Annual Travel

  • 15 days out of Canada
  • 183 within Canada
  • $1,000,000 lifetime maximum
  • 7 days out of Canada
  • 183 within Canada
  • $1,000,000 lifetime maximum
Not included

TELUS Health

Included

Included

Included

See More

This is a summary of benefits. Full details, along with the terms, conditions, limitations, and exclusions are in the policy.

Frequently Asked Questions

Both our Replacement Health and Personal Health products offer coverage of health care costs not covered by the government. They’ve got similar benefits, but Replacement Health plans are only available to people losing coverage from a group benefits plan.

If you’re eligible to apply for Replacement Health, we offer guaranteed acceptance, no medical questions asked. That means your premium won’t be affected by health conditions you might have developed while covered under your group benefits plan. We’ve also packaged our Replacement Health plans to provide similar benefits to most group benefits plans so you can keep doing the things that make you healthy.

You can also apply for one of our Personal Health plans if you’re leaving a group plan. These plans are designed to give you choice and flexibility when it comes to which benefits you’d like to include.

You can purchase a Replacement Health plan if you’ve recently lost coverage under a group benefits plan.
They’re a good option if you’ve:

  • Retired
  • Left your job to start your own business
  • Been laid off
  • Lost coverage under your spouse’s work plan
  • Reduced your hours so you’re no longer eligible for benefits under your work plan
  • Aged out of your parents’ work benefits plan

You must set up your Replacement Health plan within 90 days of losing coverage from a group benefits plan.

Upgrading from one Replacement Health Plan to another is not allowed. But you can downgrade your plan when it renews.

Have more questions?

We'll gladly answer them

Replacement Health Documents

You might also be interested in:

Immigrants & Visitors Insurance

Travel Insurance

Group Benefits