Personal Health Insurance

An individual healthcare plan that fits your lifestyle is an important part of an overall wellness plan.

Our Personal Health insurance plans give you coverage for everyday health needs and medical emergencies. And they cover a wide variety of services, such as massage and acupuncture, so you don’t have to miss a night out with friends to afford treatment that helps you feel your best. Included in all Personal Health plans is LifeWorks, an award-winning total wellness program with tools designed to help improve your overall health.

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Read more about our plans below to find the one best for you.

OmniPlan®

Your superior health insurance choice with extensive benefit coverage.

Benefits include:

  • Acupuncture, massage and naturopath appointments
  • Vision care
  • Accidental dental
  • LifeWorks

OmniPlan provides full-circle care for you and your family. Benefits cover your current and future health needs including services such as chiro and physio. With our highest limits for vision care, as well as coverage for specialty services such as massage, this plan allows you to take good care of your family. Don’t forget to add prescription drug or dental benefits to complete your coverage. 

When the unexpected happens, we’re here to help

OmniPlan includes coverage for emergency situations and extended hospital stays. From ambulances and preferred hospital rooms to casts, we take care of the costs so you can focus on the things that matter most – you and your family in a time of need. 

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

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ExtendaPlan®

This plan covers a wide range of benefits for everyday and emergency needs.

Benefits include:

  • Chiro, physio, and psychology appointments
  • Vision care
  • Casts and crutches
  • LifeWorks

ExtendaPlan provides all the coverage you need, with a little bit more for good measure. This Personal Health benefits plan covers services and health care items your regular government insurance plan doesn’t. With $350 for health practitioners, you have coverage for the services you need to be your healthiest. Need new glasses? We’ll help you out. Orthotics? We’ll help with those too. And don’t forget to add prescription drug or dental benefits to complete your coverage. 

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

Yoga Teacher
BasicPlan

Ideal coverage for unexpected emergencies and health needs.

Benefits include:

  • Dietitian, Osteopath, Speech Pathologist and Naturopath
  • Preferred hospital rooms and accidental dental
  • Ambulance and prosthetic appliances
  • LifeWorks

Unexpected health emergencies are scary enough. Having to foot the bill for things your government insurance doesn’t cover shouldn’t be one of your worries. When the unexpected happens, BasicPlan has you covered for things such as an ambulance ride or a wheelchair. You can expand your benefits by adding prescription drug coverage and dental benefits. 

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

Family time

Helping you live well with LifeWorks

An award-winning total wellness program with tools designed to help improve your mental and physical health.

LifeWorks is included in all Personal Health plans!

Learn More about LifeWorks

Add-on to your plan for maximum coverage.

You can add dental, drug and hospital cash benefits to any of our Personal Health plans, for just a few more dollars each month. With our Additional Coverage Options you get coverage to access what you need, when you need it, so you can get back to doing the things you love.

In Saskatchewan insurance for medical emergencies when you're on a trip is included in our ExtendaPlan and OmniPlan. In all other provinces and territories, you can add travel emergency medical coverage to your BasicPlan, ExtendaPlan or OmniPlan. 

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 >

Let's compare your options.

OmniPlan®

ExtendaPlan®

BasicPlan

Vision Care

  • 90% to $250/2 years for frames/lenses
  • $90/eye exam/2 years 

80% to $200 per 2 years combined

Not included

Health Practitioners

90% to $300 per health practitioner, per person, per policy year for Acupuncturist, Chiropractor, Chiropodist/Podiatrist, Massage Therapist, Naturopath, Dietitian, Osteopath, and Physiotherapist.

80% to $350 combined maximum for Acupuncturist, Chiropractor, Chiropodist/Podiatrist, Massage Therapist, Naturopath, Dietitian, Osteopath, and Physiotherapist, per person per policy year.

70% to $250 combined maximum for Acupuncturist, Chiropodist/Podiatrist, Naturopath, Dietitian, and Osteopath, per person, per policy year.

Counselling Services

Combined maximum of $65 per visit for 15 visits per person, per policy year.

Combined maximum of $65 per visit for 10 visits per person, per policy year.

Not included

Speech Pathologist/Therapist

Combined maximum of $45 per visit for 10 visits, per person, per policy year.

Combined maximum of $45 per visit for 10 visits, per person, per policy year.

Combined maximum of $45 per visit for 5 visits, per person, per policy year.

Ambulance

Unlimited
Unlimited
$2,000 / person / year

Air Ambulance

Unlimited
Unlimited
Unlimited

Hearing Aids

$800 / 5 years

$500 / 5 years

Not included

Casts & Crutches

Unlimited
Unlimited
Unlimited

Health Supplies & Equipment

$500 / person / year
$500 / person / year
Not included

Annual Travel

  • 30 days coverage outside Canada
  • 183 days in Canada
  • $2,000,000 annual maximum
  • $500,000 COVID-19 coverage within the policies annual maximum
  • 48 or 63 days coverage outside Canada
  • 183 days in Canada
  • $2,000,000 annual maximum
  • $500,000 COVID-19 coverage within the policies annual maximum
Not included

Diabetic Supplies & Equipment

$300 / person / year
$300 / person / year
Not included

Oxygen Equipment

$500 / person / year to a lifetime maximum of $2,500
$500 / person / year to a lifetime maximum of $1,500
Not included

Blood Pressure Monitors

1 / policy / 5 years
1 / policy / 5 years
Not included

Custom Made Foot Orthotics

80% 1 / 3 years / adult; 1 / year for children under 16
80% 1 / 5 years / adult; 1 / year for children under 16
Not included

Orthopedic Shoes

$225 / person / year
$225 / person / year
Not included

Mobility Aids

$300 / person / year
$300 / person / year
Not included

Ostomy Supplies

$300 / person / year
$300 / person / year
Not included

Preferred Hospital Room

45 days up to $3,500 / person / year
$1,000 / person / year
$500 / person / year

Private Duty Nursing

80% to $5,000 / person / year for in-hospital or in-home nursing.

80% to $3,000 / person / year for in-hospital or in-home nursing.

80% to $1,500/ person / year for in-hospital nursing.

Accidental Dental

$5,000 / injury
$2,000 / injury
$500 / injury

Wheelchairs, Motorized Scooters & Adjustable Beds

$1,000 / person / 5 years

$750 / person / 5 years

$500 / person / 5 years

Prosthetic Appliances

Artificial limbs, eyes, breasts and surgical bras

Artificial limbs, eyes, breasts and surgical bras

Artificial limbs, eyes, breasts and surgical bras

Patient Walkers

80% of purchase or rental to a maximum of $300 / person / 5 years
80% of purchase or rental to a maximum of $300 / person / 5 years
80% of purchase or rental to a maximum of $300 / person / 5 years

LifeWorks

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. 

Additional Coverage Options

Up to $3,500 per person, per year for formulary† drugs, including birth control, prescribed to treat newly diagnosed conditions.

Exclusions apply. Full details, along with the terms, conditions, limitations, and exclusions are in the policy.

† Formulary drugs are prescription drugs a provincial or territorial government includes in their drug plan formulary and for which the government provides cost sharing with its residents. Formularies vary by province and territory.

Covers formulary† drugs, including birth control, prescribed to treat newly diagnosed conditions. Use up to $800 of the $5,000 maximum per year to cover pre-existing conditions and non-formulary† drugs.

Exclusions apply. Full details, along with the terms, conditions, limitations, and exclusions are in the policy. 

† Formulary drugs are prescription drugs a provincial or territorial government includes in their drug plan formulary and for which the government provides cost sharing with its residents. Formularies vary by province and territory.

Coverage for basic services such as exams, polishing, and fillings and major services such as crowns, bridges, and dentures. 

  • Year 1 - $500 maximum for basic services
  • Year 2 - $750 maximum for basic and major services
  • Year 3 - $1,000 maximum for basic and major services

A waiting period may apply. Full details, along with the terms, conditions, limitations, and exclusions are in the policy. 

Provides you with $100 per day, to a maximum of $3,000 per year, to cover your out-of-pocket expenses during an extended hospital stay including food, parking, wifi, and TV.

Full details, along with the terms, conditions, limitations, and exclusions are in the policy.

Travel Emergency Medical coverage that insures you for multiple trips within Canada and outside our borders during the year. 

In Saskatchewan Annual Travel coverage is included in our ExtendaPlan and OmniPlan.

For all other provinces, Annual Travel is an option that can be added to a BasicPlan, ExtendaPlan or OmniPlan. The travel option includes $2 million in coverage and your choice between an unlimited number of trips up to 15, 30 or 48 days per year.

For those looking for COVID-19 coverage, we have you covered. Within the policy maximum there is up to $500,000 of COVID-19 coverage in the event of a positive diagnosis, including destinations with only an ‘Avoid Non-Essential’ travel warning for COVID-19.

Applicants 80 years of age or older are only eligible for travel coverage in Canada.

Full details, along with the terms, conditions, limitations, and exclusions are in the policy.

Frequently Asked Questions

You’re right, as Canadians we enjoy the benefits of our publicly funded health care system. It covers the basics, such as trips to your family doctor or the emergency room, immunizations, and some treatments for mental health disorders.

Our Personal Health Plans can cover health care costs government health plans don’t. Things such as contacts, dental exams, and massage treatments that help you feel and be your best. And when the unexpected happens, we cover the costs of road and air ambulance, preferred hospital rooms, medical equipment, and more to make sure you get the care you deserve.

When you have a minute, let us know about your big move and we’ll update your plan right away. Depending on your new address, an additional premium or a refund may be necessary. We’ll tell you about any differences or changes. If you don’t receive provincial health coverage within three months of your move, please let us know.

Have more questions?

We'll gladly answer them

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