PolicyMe Health and Dental Insurance
Plans Comparison
Guaranteed Issue Plans
Guaranteed approval — no medical exams or questionnaires required
 Dental Benefits | ||||
|---|---|---|---|---|
Annual maximum for all dental benefits combined | Per anniversary year – Year 1: $750 Year 2+: $900 | Per anniversary year – $500 | Per anniversary year – Year 1: $750 Year 2+: $900 | Per anniversary year – Year 1: $800 Year 2+: $1,200 |
Basic preventative and restorative services Reimburesement rate | 80% | 70% | 80% | 90% |
Comprehensive services | 60% | Not covered | 60% | 80% |
Major services Reimbursement rate | Year 3+: 50% | Not covered | Year 3+: 50% | Year 2+: $60% |
Orthodontics Reimbursement rate | Not covered | Not covered | Not covered | Year 2+: $60% |
 Prescription Drug Benefits | ||||
Annual maximum | Not covered | $500 per anniversary year | $600 per anniversary year | $700 per anniversary year |
Reimbursement rate | Not covered | 70% | 70% | 70% |
Dispensing fee | Not covered | $10 per prescription | Reimbursement is provided up to the reasonable and customary limit | $10 per prescription |
 Vision Benefits | ||||
Eye examination | $60 per 2 benefit years | $60 per 2 benefit years | $60 per 2 benefit years | $100 every 2 benefit years |
Prescription lenses and frames, contact lenses and laser eye surgery | $250 per 2 benefit years | $200 per 2 benefit years | $250 per 2 benefit years | $400 per 2 benefit years |
 Extended Health Benefits | ||||
Professional services annual combined maximum chiropractor, massage therapist, physiotherapist, acupuncturist, chiropodist, podiatrist, dietitian, naturopath and osteopath | $750 per anniversary year | $600 per anniversary year | $750 per anniversary year | $1,000 per anniversary year |
Reimbursement rate | 80% | 50% | 80% | 80% |
Mental health services | $800 per anniversary year | $500 per anniversary year | $800 per anniversary year | $`1,300 per anniversary year |
Reimbursement rate | $100 per session | $75 per session | $100 per session | $100 per session |
Speech therapist | $500 per anniversary year | Not covered | $500 per anniversary year | $500 per anniversary year |
Reimbursement rate | 70% | Not covered | 70% | 70% |
Accidental dental | $10,000 per anniversary year | $10,000 per anniversary year | $10,000 per anniversary year | $10,000 per anniversary year |
Ambulance services by land or air for emergencies | Covers the difference between the amount allowed under the provincial government health insurance plan and the reasonable and customary limit | Covers the difference between the amount allowed under the provincial government health insurance plan and the reasonable and customary limit | Covers the difference between the amount allowed under the provincial government health insurance plan and the reasonable and customary limit | Covers the difference between the amount allowed under the provincial government health insurance plan and the reasonable and customary limit |
Diagnostics services Québec only | $1,000 per anniversary year | Not covered | $1,000 per anniversary year | $1,000 per anniversary year |
Home support service, medical items and medical equipment annual combined maximum | Per anniversary year – Year 1: $500 Year 2: $1,000 Year 3+: $2,000 | Not covered | Per anniversary year – Year 1: $500 Year 2: $1,000 Year 3+: $2,000 | Per anniversary year – |
CPAP, BIPAP and APAP | Per anniversary year – Year 1: $250 Year 2: $250 Year 3+: Included as part of overall maximum | Not covered | Per anniversary year – Year 1: $250 Year 2: $250 Year 3+: Included as part of overall maximum | Per anniversary year – Year 1: $250 Year 2: $250 Year 3+: Included as part of overall maximum |
Compression stockings | 2 pairs every 2 benefit years | Not covered | 2 pairs every 2 benefit years | 2 pairs every 2 benefit years |
Custom-made orthotics | $225 every 2 benefit years | Not covered | $225 every 2 benefit years | $225 every 2 benefit years |
Custom-made footwear | $500 every 2 benefit years | Not covered | $500 every 2 benefit years | $500 every 2 benefit years |
Diabetic, blood glucose meter, glucose monitoring system and supplies | $500 every 2 benefit years | Not covered | $500 every 2 benefit years | $500 every 2 benefit years |
Hearing aids | $400 every 4 benefit years | Not covered | $400 every 4 benefit years | $400 every 4 benefit years |
Mobility aids | Subject to $2,500 lifetime maximum | Not covered | Subject to $2,500 lifetime maximum | Subject to $2,500 lifetime maximum |
 Other Benefits | ||||
In-province hospital accommodation benefits | Not covered | Not covered | Not covered | Not covered |
Telehealth benefits Confidential online peer support and self-guided mental wellness resources available 24/7 via TogetherAll | Included | Included | Included | Included |
This information is for informational purposes only and is not an insurance contract or offer of coverage. It is intended to provide a general overview of the insurance product available to help you make an informed decision. The information presented is subject to change and may differ from the actual policy issued. For full details on the insurance coverage, including terms and conditions, please refer to the final policy contract issued to you or speak with one of our licensed insurance advisors. PolicyMe Life, Critical Illness, and Health & Dental insurance plans are underwritten by Canadian Premier Life Insurance Company and sales are conducted by PolicyMe Corp. The insurance transaction is between the client and Canadian Premier Life Insurance Company. Securian Canada is the brand name used by Canadian Premier Life Insurance Company to do business in Canada. PolicyMe Corp., doing business as PolicyMe, a licensed Life and Accident & Sickness insurance agency, acts as the administrator and technology provider of PolicyMe Life, Critical Illness and Health & Dental insurance plans on behalf of Securian Canada. PolicyMe is compensated by way of commissions by Securian Canada for sales of insurance. For our full disclosure notices, please visit policyme.com/legal
Protect Plans
Guaranteed approval — no medical exams or questionnaires required
Dental Benefits | ||||
|---|---|---|---|---|
Annual maximum for all dental benefits combined | Per anniversary year – | Per anniversary year – Year 1: $750 Year 2+: $900 | Per anniversary year – Year 1: $800 Year 2+: $1,200 | |
Basic preventative and restorative services Reimbursement rate | 70% | 80% | 90% | |
Comprehensive services Reimbursement rate | Not covered | 60% | 80% | |
Major services
| Not covered | Year 3+: 50% | Year 2+: 60% | |
Orthodontics
| Not covered | Not covered | Year 2+: 60% | |
Prescription Drug Benefits | ||||
Annual maximum | $1,000 per anniversary year | $1,600 per anniversary year | $2,800 per anniversary year | |
Reimbursement rate | 80% | 80% | 80% | |
Dispensing fee | Covers $10 per prescription | Reimbursement is provided up to the reasonable and customary limit | Reimbursement is provided up to the reasonable and customary limit | |
Vision Benefits | ||||
Eye examination | $60 every 2 benefit years | $60 every 2 benefit years | $100 every 2 benefit years | |
Prescription lenses and frames, contact lenses and laser eye surgery | $200 every 2 benefit years | $250 every 2 benefit years | $400 every 2 benefit years | |
Extended Health Benefits | ||||
Professional services annual combined maximum chiropractor, massage therapist, physiotherapist, acupuncturist, chiropodist, podiatrist, dietitian, naturopath and osteopath | $600 per anniversary year | $750 per anniversary year | $1,000 per anniversary year | |
Reimbursement rate | 50% | 80% | 80% | |
Mental health services | $500 per anniversary year | $800 per anniversary year | $1,300 per anniversary year | |
Reimbursement rate | $75 per session | $100 per session | $100 per session | |
Speech therapist | Not covered | $500 per anniversary year | $500 per anniversary year | |
Reimbursement rate | Not covered | 70% | 70% | |
Accidental dental | $10,000 per anniversary year | $10,000 per anniversary year | $10,000 per anniversary year | |
Ambulance services by land or air for emergencies | Covers the difference between the amount allowed under the provincial government health insurance plan and the reasonable and customary limit | Covers the difference between the amount allowed under the provincial government health insurance plan and the reasonable and customary limit | Covers the difference between the amount allowed under the provincial government health insurance plan and the reasonable and customary limit | |
Diagnostics services Québec only | Not covered | $1,000 per anniversary year | $1,000 per anniversary year | |
Home support service, medical items and medical equipment annual combined maximum | Not covered | Per anniversary year – Year 1: $500 Year 2: $1,000 Year 3+: $2,000 | Per anniversary year – Year 1: $1,000 Year 2: $2,000 Year 3+: $4,000 | |
CPAP, BIPAP and APAP | Not covered | Per anniversary year – Year 1: $250 Year 2: $250 Year 3+: Included as part of overall maximum | Per anniversary year – Year 1: $250 Year 2: $250 Year 3+: Included as part of overall maximum | |
Compression stockings | Not covered | 2 pairs every 2 benefit years | 2 pairs every 2 benefit years | |
Custom-made orthotics | Not covered | $225 every 2 benefit years | $225 every 2 benefit years | |
Custom-made footwear | Not covered | $500 every 2 benefit years | $500 every 2 benefit years | |
Diabetic, blood glucose meter, glucose monitoring system and supplies | Not covered | $500 per benefit year | $500 per benefit year | |
Hearing aids | Not covered | $400 every 4 benefit years | $400 every 4 benefit years | |
Mobility aids | Not covered | Subject to $2,500 lifetime maximum | Subject to $2,500 lifetime maximum | |
Other Benefits | ||||
In-province hospital accommodation benefits | Not covered | Semi-private hospital room covered at 100% for first 60 days (up to $200 every day) and 50% for next 90 days (up to $100 every day) | Semi-private hospital room covered at 100% for first 60 days (up to $200 every day) and 50% for next 90 days (up to $100 every day) | |
Telehealth Benefits Confidential online peer support and self-guided mental wellness resources available 24/7 via TogetherAll | Included | Included | Included | |
This information is for informational purposes only and is not an insurance contract or offer of coverage. It is intended to provide a general overview of the insurance product available to help you make an informed decision. The information presented is subject to change and may differ from the actual policy issued. For full details on the insurance coverage, including terms and conditions, please refer to the final policy contract issued to you or speak with one of our licensed insurance advisors. PolicyMe Life, Critical Illness, and Health & Dental insurance plans are underwritten by Canadian Premier Life Insurance Company and sales are conducted by PolicyMe Corp. The insurance transaction is between the client and Canadian Premier Life Insurance Company. Securian Canada is the brand name used by Canadian Premier Life Insurance Company to do business in Canada. PolicyMe Corp., doing business as PolicyMe, a licensed Life and Accident & Sickness insurance agency, acts as the administrator and technology provider of PolicyMe Life, Critical Illness and Health & Dental insurance plans on behalf of Securian Canada. PolicyMe is compensated by way of commissions by Securian Canada for sales of insurance. For our full disclosure notices, please visit policyme.com/legal
FAQ: Health and dental insurance
We’re big believers in keeping things simple, so ask us anything and we’ll answer honestly and without the jargon.
PolicyMe’s Health & Dental Insurance provides comprehensive coverage for medical and dental expenses that might be not covered by your provincial plan. Coverage includes prescription drugs (depending on plan), dental, vision, mental health services, registered therapists, accidental dental, and more.
Yes. Once your policy is approved, pre-existing conditions are covered—there are no blanket exclusions. Please note that prescription drugs for pre-existing conditions are covered if they’re included in your plan’s drug list. It’s best to confirm a specific medication using the DIN lookup in your account or by speaking with a licensed advisor.
Note: Certain services require pre-authorization and may be subject to waiting periods. Check your plan’s Schedule of Benefits for details.
Yes, for certain benefits. Major dental work, orthodontics, home support, and medical equipment can have waiting periods between 3 months and 3 years, depending on the plan. Refer to the waiting period section in each benefit category of your Schedule of Benefits.
Plans auto‑renew yearly. You can cancel anytime with no fees or penalties.
If you're submitting a claim online, it will be processed in real time and you'll typically receive your reimbursement the following day through direct deposit. In some cases, a claim might trigger an audit at which point you may be asked to submit additional documentation within a certain timeframe. From the time we receive your documents, it could take up to a week for us to review your claim and process your reimbursement. If your medical provider will be submitting the claim on your behalf, it will be processed in real time.
Securian Canada will be responsible for handling all the paperwork and paying out valid claims.
If you're submitting a claim online yourself, it will be reimbursed through direct deposit. In the event that a reimbursement can't be made via direct deposit (e.g. if the banking details haven't yet been added to the portal or are incorrect), then you'll receive a cheque by mail.
We recommend that our customers keep the receipts of any submitted claims for at least 12 months.
Have a question we didn’t answer?
Call +1 (866) 999-7457 from 9AM-5PM EST Monday to Friday or email us. Our insurance expert team is happy to help!
