Overall Maximum
$1,000,000. All expenses covered by the Plan must be medically necessary, reasonable & customary in the circumstances
Overall Deductible
$75 for single Members
$150 per couple
$200 per family
Co-Insurance
Extended Health benefits are provided at the rate of 80% of the first $1,000 of eligible paid expenses, followed by 100% of all other eligible expenses incurred in the balance of the calendar year
$30,000 – Members only
Reimbursement for drugs require the written prescription of a physician.
Drugs and medicines are limited to a 90 day supply.
Fertility drugs are covered to a maximum of $5,000 per lifetime.
Excludes oral contraceptives, smoking cessation, over the counter drugs, vitamins, preventative drugs, dietary foods and supplements
No deductible
90% Basic Services
50% Major Services
of the Dental Association Fee Guide in the Province of treatment
$2,500 combined maximum per year
Includes diagnostic, preventative, surgical, restorative, prosthetics, root canals, periodontia, anesthesia
Includes crowns, bridges, dentures, inlays, onlays
Not Covered
100% reimbursement
$500 every 24 months for eye exams, glasses, frames, and contacts. Limit of 1 pair of glasses per person, per 24 months. Rx Sunglasses and Safety Glasses are excluded
100% reimbursement up to $1,000 lifetime maximum, provided there was no vision claim within the 24 months prior to surgery, and no vision claim will be available until 24 months after the surgery.
80% reimbursement
$350 per year, per covered person for each practitioner
Eligible practitioners include; massage therapist, speech therapist, acupuncturist, psychologist (includes registered clinical counsellors and licensed social workers), podiatrist, chiropodist, chiropractor, naturopath or physiotherapist
80% reimbursement
One pair, including replacement pairs, of custom-fitted orthopedic shoes, when prescribed by a physician or podiatrist every 12 consecutive months
80% reimbursement
$350 per calendar year
80% reimbursement
Oxygen, blood or blood plasma, ostomy, ileostomy supplies, walkers, canes and cane tips, crutches, splints, casts, collars and trusses but not elastic or foam supports, testing supplies, needles and syringes for diabetics, surgical stockings (maximum of 4 pair per calendar year), stump socks, surgical brassieres (4 per calendar year), rigid support braces and permanent prostheses (artificial eyes, limbs, larynxes and mastectomy forms).
80% reimbursement. Subject to reasonable and customary limits
Purchase of durable equipment for therapeutic treatment including wheelchairs and hospital beds. Electric wheelchairs are covered only when a doctor certifies the patient is incapable of operating a manual wheelchair (e.g. Paraplegic).
CPAP machines (maximum of 1 per 5 years), CPAP masks (maximum of 2 masks per year), hose (tubing) (1 per year), filters (maximum of 2 per year), water chamber (maximum of 1 per year)
80% reimbursement
$500 lifetime maximum
80% reimbursement
Semi-private or private hospital room
60 day maximum.
Charges for out-of-hospital private duty nurse services when medically necessary. Services must be for nursing care, and not for custodial care. The private duty nurse must be a nurse, or nursing assistant who is licensed, certified or registered in the province where you live and who does not normally live with you. The services of a registered nurse are eligible only when someone with lesser qualifications cannot perform the duties.
Members – $30,000
Spouse – $20,000; Child – $5,000
$400 per week
26 weeks maximum
Integrated with E.I.
Benefit insured by Manulife. Global Excel is the claims service provider.
Coverage Period: 90 days per trip
Maximum for Members up to age 69: $5,000,000 per insured person, per trip
Maximum for Members age 70-79: $100,000 per insured person, per trip
Maximum Age: 79
Policy Number: DAT00013348
Must be in a stable medical condition before travelling. Consult ETA Booklet for other restrictions.