About PolicyMe’s
Health and Dental Insurance
Get comprehensive coverage for medical expenses your provincial healthcare plan won’t cover.
Choose a health and dental insurance plan to learn more:
Here’s how much value you get for your monthly premium
Based on public rates for a 32-year-old person from Ontario.
Covered Benefit | Value Per Person |
|---|---|
Dental (first year) | $500 |
Prescription drugs | $1,000 |
Vision (per two benefit years) | $260 |
Professional services/registered therapists | $600 |
Mental health services | $500 |
Speech therapist | - |
Accidental dental | $10,000 |
Homecare, nursing & equipment (first year) | - |
Total benefits | $12,860 |
Your total monthly premium: | $173/month |
Annual maximum for all dental benefits combined | $500every anniversary year |
Basic preventative and restorative servicescleanings, basic services, oral exams and basic oral surgery | |
Reimbursement rate | 70% |
Additional parameters | |
| 1 every 3 anniversary years |
| 1 every anniversary year |
| 1 every 9 months |
| 1 every 9 months (up to 1 unit of polishing and up to 1 unit of scaling at recall exam) |
| 1 every 9 months (for age 19 and under only) |
Comprehensive servicesendodontic, periodontal treatment and denture services | Not included in this plan |
Major servicescrowns, bridges, dentures on natural teeth | Not included in this plan |
Orthodonticstreatments to correct the bite | Not included in this plan |
Annual maximum | $1,000per anniversary year |
Reimbursement rate | Covers 80%of the cost of eligible prescription drugs |
Eligible prescription drugs | Non-Québec residents: Provincial formulary Québec residents: Covers generic name drugs |
Dispensing fee | Covers $10per perscription |
Medications covered | This plan uses the Essentials Formulary. The Essentials Formulary covers drugs based on your provincial/territorial pharmacare formulary (excluding Quebec) and are within our managed formulary. It is meant for those who are not already covered by provincial drug plans. Quebec residents will have full coverage of generic prescriptions that have a Drug Identification Number (DIN) within our managed formulary. We do not cover prescription drugs used for lifestyle purposes, including but not limited to: |
Pre-existing medication use | Includes any pre-existing medication you take based on medical needs if they are listed in our approved drug formulary and meet coverage criteria. |
Coordination with RAMQ | For Quebec residents to be eligible for prescription drug coverage under this policy, you must be registered under the RAMQ Public Prescription Drug Insurance Plan |
Eye examination | $60every 2 benefit years |
Eyewear | $200every 2 benefit years |
List of covered items | • Prescription eyeglasses, including lenses and frames |
Professional services | |
Annual combined maximum for all professional services | $600per anniversary year |
Reimbursement rate | 50% |
List of covered licensed and registered practitioners | • Acupuncturist |
Mental health services | |
Annual combined maximum for mental health services | $500per anniversary year |
Reimbursement rate | $75per session |
List of covered licensed and registered mental health practitioners | • Clinical counselor |
Speech therapist | Not included in this plan |
Accidental dental benefits | |
Maximums | $10,000per anniversary year |
Additional details | Pre-authorization form must be submitted and approved before any reimbursement |
In-province emergency ambulance transportation benefits | |
Maximums | Covers the difference between the amount allowed under the provincial government health insurance plan and the reasonable and customary limit |
Medical servicesDiagnostic services benefits (Quebec only) services like diagnostic tests, x-rays, ultrasounds and laboratory tests | Not included in this plan |
Home support service, medical items and medical equipment | Not included in this plan |
Home support service | Not included in this plan |
CPAP, BIPAP and APAP | Not included in this plan |
Compression stockings | Not included in this plan |
Custom-made orthotics | Not included in this plan |
Custom-made footwear | Not included in this plan |
Diabetic, blood glucose meter, glucose monitoring system and supplies | Not included in this plan |
Hearing aids | Not included in this plan |
Mobility aids | Not included in this plan |
Room coverage in a public hospital | Not included in this plan |
Available services | Confidential online peer support and self-guided mental wellness resources available 24/7 via TogetherAll |
Plan member access | Available to all household members aged 16 and older, including spouses, children and extended family |
Benefit year: Each successive 12-month period following the date a claim for a specified benefit is first incurred under the policy.
Anniversary year: Each successive 12-month period following the effective date of the policy.
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 of Canada 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
Here’s how much value you get for your monthly premium
Based on public rates for a 32-year-old person from Ontario.
Covered Benefit | Value Per Person |
|---|---|
Dental (first year) | $750 |
Prescription drugs | $1,600 |
Vision (per two benefit years) | $310 |
Professional services/registered therapists | $750 |
Mental health services | $800 |
Speech therapist | $500 |
Accidental dental | $10,000 |
Homecare, nursing & equipment (first year) | $500 |
Total benefits | $15,210 |
Your total monthly premium: | $214/month |
Annual maximum for all dental benefits combined | Per anniversary year – Year 1 $750 Year 2+ $900 |
Basic preventative and restorative servicescleanings, basic services, oral exams and basic oral surgery | |
Reimbursement rate | 80% |
Additional parameters | |
| 1 every 3 anniversary years |
| 1 every anniversary year |
| 1 every 9 months |
| 1 every 9 months (up to 1 unit of polishing and up to 1 unit of scaling at recall exam) |
| 1 every 9 months (for age 19 and under only) |
Comprehensive servicesendodontic, periodontal treatment and denture services | |
Reimbursement rate | 60% |
Additional parameters | |
| 6 units every anniversary year |
| 1 every 3 anniversary year |
Major servicescrowns, bridges, dentures on natural teeth | |
Reimbursement rate | Year 3+ 50% |
Additional parameters | |
| 1 every anniversary year |
Additional details | An estimate completed by a legally qualified Dental Practitioner must be submitted for assessment and pre-approval |
Orthodonticstreatments to correct the bite | Not included in this plan |
Annual maximum | $1,600per anniversary year |
Reimbursement rate | Reimbursement is provided up to the reasonable and customary limit |
Eligible prescription drugs | Covers generic name drugs |
Dispensing fee | Reimbursement is provided up to the reasonable and customary limit. |
Medications covered | We fully cover birth control and any generic prescriptions that have a Drug Identification Number (DIN), are dispensed by a licensed pharmacist and are listed in our approved drug formulary. Some drugs require pre-approval through our review process before reimbursement. Pre-existing conditions do not guarantee coverage, and only drugs listed in our formulary are eligible. Brand name medications will only be covered if no generic option exists. We do not cover prescription drugs used for lifestyle purposes, including but not limited to: |
Pre-existing medication use | Includes any pre-existing medication you take based on medical needs if they are listed in our approved drug formulary and meet coverage criteria |
Coordination with RAMQ | For Quebec residents to be eligible for prescription drug coverage under this policy, you must be registered under the RAMQ Public Prescription Drug Insurance Plan |
Eye examination | $60every 2 benefit years |
Eyewear | $250every 2 benefit years |
List of items covered | • Prescription eyeglasses, including lenses and frames |
Professional services | |
Annual combined maximum for all professional services | $750per anniversary year |
Reimbursement rate | 80% |
List of covered licensed and registered practitioners | • Acupuncturist |
Mental health services | |
Annual combined maximum for mental health services | $800per anniversary year |
Reimbursement rate | $100per session |
List of covered licensed and registered mental health practitioners | • Clinical counselor |
Speech therapist | |
Maximums | $500per anniversary year |
Reimbursement rate | 70% |
Accidental dental benefits | |
Maximums | $10,000per anniversary year |
Additional details | Pre-authorization form must be submitted and approved before any reimbursement |
In-province emergency ambulance transportation benefits | |
Maximums | Covers the difference between the amount allowed under the provincial government health insurance plan and the reasonable and customary limit |
Medical servicesDiagnostic services benefits (Quebec only) services like diagnostic tests, x-rays, ultrasounds and laboratory tests | |
Maximums | $1,000per anniversary year |
Home support service, medical items and medical equipment | |
Annual combined maximum for homecare and nursing, prosthetic appliances and durable medical equipment | Per anniversary year – Year 1 $500 |
Additional details | Pre-authorization form must be submitted and approved before any reimbursement |
Waiting period (if applicable) | 3 month waiting period applies (except diabetic supplies) |
Home support service | |
List of covered professionals | • Registered Nurse (R.N.) |
Additional details | • Pre-authorization form must be submitted and approved before any reimbursement* |
CPAP, BIPAP and APAP | |
Maximums | Combined device and supply maximum per anniversary year – Year 1 $250 |
Compression stockings | |
Maximums | 2 pairsevery 2 benefit years |
Custom-made orthotics | |
Maximums | $225every 2 benefit years |
Custom-made footwear | |
Maximums | $500every 2 benefit years |
Diabetic, blood glucose meter, glucose monitoring system and supplies | |
Maximums | $500per benefit year |
Hearing aids | |
Maximums | $400every 4 benefit years |
Mobility aids canes, crutches, walkers and wheelchairs (including wheelchair batteries) | |
Maximums | • Subject to $2,500 lifetime maximum |
Room coverage in a public hospital | Semi-private hospital room covered at |
Available services | Confidential online peer support and self-guided mental wellness resources available 24/7 via TogetherAll |
Plan member access | Available to all household members aged 16 and older, including spouses, children and extended family |
Benefit year: Each successive 12-month period following the date a claim for a specified benefit is first incurred under the policy.
Anniversary year: Each successive 12-month period following the effective date of the policy.
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 of Canada 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
Here’s how much value you get for your monthly premium
Based on public rates for a 32-year-old person from Ontario.
Covered Benefit | Value Per Person |
|---|---|
Dental (first year) | $750 |
Prescription drugs | - |
Vision (per two benefit years) | $310 |
Professional services/registered therapists | $750 |
Mental health services | $800 |
Speech therapist | $500 |
Accidental dental | $10,000 |
Homecare, nursing & equipment (first year) | $500 |
Total benefits | $13,610 |
Your total monthly premium: | $135/month |
Annual maximum for all dental benefits combined | Per anniversary year – Year 1 $750 Year 2+ $900 |
Basic preventative and restorative servicescleanings, basic services, oral exams and basic oral surgery | |
Reimbursement rate | 80% |
Additional parameters | |
| 1 every 3 anniversary years |
| 1 every anniversary year |
| 1 every 9 months |
| 1 every 6 months (up to 1 unit of polishing and up to 1 unit of scaling at recall exam) |
| 1 every 9 months (for age 19 and under only) |
Comprehensive servicesendodontic, periodontal treatment and denture services | |
Reimbursement rate | 60% |
Additional parameters | |
| 6 units every anniversary year |
| 1 every 3 anniversary year |
Major servicescrowns, bridges, dentures on natural teeth | |
Reimbursement rate | Year 3+ 50% |
Additional parameters | |
| 1 every anniversary year |
Additional details | An estimate completed by a legally qualified Dental Practitioner must be submitted for assessment and pre-approval |
Orthodonticstreatments to correct the bite | Not included in this plan |
Not included in this plan | |
Eye examination | $60every 2 benefit years |
Eyewear | $250every 2 benefit years |
List of items covered | • Prescription eyeglasses, including lenses and frames |
Professional services | |
Annual combined maximum for all professional services | $750per anniversary year |
Reimbursement rate | 80% |
List of covered licensed and registered practitioners | • Acupuncturist |
Mental health services | |
Annual combined maximum for mental health services | $800per anniversary year |
Reimbursement rate | $100per session |
List of covered licensed and registered mental health practitioners | • Clinical counselor |
Speech therapist | |
Maximums | $500per anniversary year |
Reimbursement rate | 70% |
Accidental dental benefits | |
Maximums | $10,000per anniversary year |
Additional details | Pre-authorization form must be submitted and approved before any reimbursement |
In-province emergency ambulance transportation benefits | |
Maximums | Covers the difference between the amount allowed under the provincial government health insurance plan and the reasonable and customary limit |
Medical servicesDiagnostic services benefits (Quebec only) services like diagnostic tests, x-rays, ultrasounds and laboratory tests | |
Maximums | $1,000per anniversary year |
Home support service, medical items and medical equipment | |
Annual combined maximum for homecare and nursing, prosthetic appliances and durable medical equipment | Per anniversary year – Year 1 $500 |
Additional details | Pre-authorization form must be submitted and approved before any reimbursement |
Waiting period (if applicable) | 3 month waiting period applies (except diabetic supplies) |
Home support service | |
List of covered professionals | • Registered Nurse (R.N.) |
Additional details | • Pre-authorization form must be submitted and approved before any reimbursement* |
CPAP, BIPAP and APAP | |
Maximums | Combined device and supply maximum per anniversary year – Year 1 $250 |
Compression stockings | |
Maximums | 2 pairsevery 2 benefit years |
Custom-made orthotics | |
Maximums | $225every 2 benefit years |
Custom-made footwear | |
Maximums | $500every 2 benefit years |
Diabetic, blood glucose meter, glucose monitoring system and supplies | |
Maximums | $500per benefit year |
Hearing aids | |
Maximums | $400every 4 benefit years |
Mobility aids canes, crutches, walkers and wheelchairs (including wheelchair batteries) | |
Maximums | • Subject to $2,500 lifetime maximum |
Room coverage in a public hospital | Not included in this plan |
Available services | Confidential online peer support and self-guided mental wellness resources available 24/7 via TogetherAll |
Plan member access | Available to all household members aged 16 and older, including spouses, children and extended family |
Benefit year: Each successive 12-month period following the date a claim for a specified benefit is first incurred under the policy.
Anniversary year: Each successive 12-month period following the effective date of the policy.
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 of Canada 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
Here’s how much value you get for your monthly premium
Based on public rates for a 32-year-old person from Ontario.
Covered Benefit | Value Per Person |
|---|---|
Dental (first year) | $800 |
Prescription drugs | $2,800 |
Vision (per two benefit years) | $500 |
Professional services/registered therapists | $1,000 |
Mental health services | $1,300 |
Speech therapist | $500 |
Accidental dental | $10,000 |
Homecare, nursing & equipment (first year) | $1,000 |
Total benefits | $17,900 |
Your total monthly premium: | $315/month |
Annual maximum for all dental benefits combined | Per anniversary year – $800 $1,200 |
Basic preventative and restorative servicescleanings, basic services, oral exams and basic oral surgery | |
Reimbursement rate | 90% |
Additional parameters | |
| 1 every 3 anniversary years |
| 1 every anniversary year |
| 1 every 6 months |
| 1 every 6 months (up to 1 unit of polishing and up to 1 unit of scaling at recall exam) |
| 1 every 6 months (for age 19 and under only) |
Comprehensive servicesendodontic, periodontal treatment and denture services | |
Reimbursement rate | 80% |
Additional parameters | |
| 6 units every anniversary year |
| 1 every 3 anniversary years |
Major servicescrowns, bridges, dentures on natural teeth | |
Reimbursement rate | Year 2+ 60% |
Additional parameters | |
| 1 every anniversary year |
Additional details | An estimate completed by a legally qualified Dental Practitioner must be submitted for assessment and pre-approval* |
Orthodonticstreatments to correct the bite | |
Reimbursement rate | Year 2+ 60% |
Additional details | Pre-authorization form must be submitted and approved before any orthodontic treatment begins* |
Annual maximum | $2,800per anniversary year |
Reimbursement rate | Reimbursement is provided up to the reasonable and customary limit |
Eligible prescription drugs | Covers generic name drugs |
Dispensing fee | Reimbursement is provided up to the reasonable and customary limit |
Medications covered | We fully cover birth control and any generic prescriptions that have a Drug Identification Number (DIN), are dispensed by a licensed pharmacist and are listed in our approved drug formulary. Some drugs require pre-approval through our review process before reimbursement. Pre-existing conditions do not guarantee coverage, and only drugs listed in our formulary are eligible. We do not cover prescription drugs used for lifestyle purposes, including but not limited to: |
Pre-existing medication use | Includes any pre-existing medication you take based on medical needs if they are listed in our approved drug formulary and meet coverage criteria |
Coordination with RAMQ | If you are a Quebec resident, your prescription drug claims must first be submitted to RAMQ. Any remaining, unpaid portion that is eligible under this policy can then be submitted to us for reimbursement. The coinsurance and deductible that you must pay under their plan with RAMQ are eligible under this policy. Some prescription drugs require pre-approval first from RAMQ. You must submit your pre-approval from RAMQ first before submitting the claim to us for any remaining balance. |
Eye examination | $100every 2 benefit years |
Eyewear | $400every 2 benefit years |
List of items covered | • Prescription eyeglasses, including lenses and frames • Prescription contact lenses • Laser eye surgery |
Professional services | |
Annual combined maximum for all professional services | $1,000per anniversary year |
Reimbursement rate | 80% |
List of covered licensed and registered practitioners | • Acupuncturist |
Mental health services | |
Annual combined maximum for mental health services | $1,300per anniversary year |
Reimbursement rate | $100per session |
List of covered licensed and registered mental health practitioners | • Clinical counselor |
Speech therapist | |
Maximums | $500per anniversary year |
Reimbursement rate | 70% |
Accidental dental benefits | |
Maximums | $10,000per anniversary year |
Additional details | Pre-authorization form must be submitted and approved before any reimbursement |
In-province emergency ambulance transportation benefits | |
Maximums | Covers the difference between the amount allowed under the provincial government health insurance plan and the reasonable and customary limit |
Medical servicesDiagnostic services benefits (Quebec only) services like diagnostic tests, x-rays, ultrasounds and laboratory tests | |
Maximums | $1,000per anniversary year |
Home support service, medical items and medical equipment | |
Annual combined maximum for homecare and nursing, prosthetic appliances and durable medical equipment | Per anniversary year – Year 1 $1000 |
Additional details | Pre-authorization form must be submitted and approved before any reimbursement |
Waiting period (if applicable) | 3 month waiting period applies (except diabetic supplies) |
Home support service | |
List of covered professionals | • Registered Nurse (R.N.) |
Additional details | • Pre-authorization form must be submitted and approved before any reimbursement* |
CPAP, BIPAP and APAP | |
Maximums | Combined device and supply maximum per anniversary year – Year 1 $250 |
Compression stockings | |
Maximums | 2 pairsevery 2 benefit years |
Custom-made orthotics | |
Maximums | $225every 2 benefit years |
Custom-made footwear | |
Maximums | $500every 2 benefit years |
Diabetic, blood glucose meter, glucose monitoring system and supplies | |
Maximums | $500per benefit year |
Hearing aids | |
Maximums | $400every 4 benefit years |
Mobility aids canes, crutches, walkers and wheelchairs (including wheelchair batteries) | |
Maximums | • Subject to $2,500 lifetime maximum |
Room coverage in a public hospital | Semi-private hospital room covered at |
Available services | Confidential online peer support and self-guided mental wellness resources available 24/7 via TogetherAll |
Plan member access | Available to all household members aged 16 and older, including spouses, children and extended family |
Benefit year: Each successive 12-month period following the date a claim for a specified benefit is first incurred under the policy.
Anniversary year: Each successive 12-month period following the effective date of the policy.
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 of Canada 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
Here’s how much value you get for your monthly premium
Based on public rates for a 32-year-old person from Ontario.
Covered Benefit | Value Per Person |
|---|---|
Dental (first year) | $500 |
Prescription drugs | $500 |
Vision (per two benefit years) | $260 |
Professional services/registered therapists | $600 |
Mental health services | $500 |
Speech therapist | – |
Accidental dental | $10,000 |
Homecare, nursing & equipment (first year) | – |
Total benefits | $12,360 |
Your total monthly premium: | $134/month |
Annual maximum for all dental benefits combined | $500every anniversary year |
Basic preventative and restorative servicescleanings, basic services, oral exams and basic oral surgery | |
Reimbursement rate | 70% |
Additional parameters | |
| 1 every 3 anniversary years |
| 1 every anniversary year |
| 1 every 9 months |
| 1 every 9 months (up to 1 unit of polishing and up to 1 unit of scaling at recall exam) |
| 1 every 9 months (for age 19 and under only) |
Comprehensive servicesendodontic, periodontal treatment and denture services | Not included in this plan |
Major servicescrowns, bridges, dentures on natural teeth | Not included in this plan |
Orthodonticstreatments to correct the bite | Not included in this plan |
Annual maximum | $500per anniversary year |
Reimbursement rate | Covers 70%of the cost of eligible prescription drugs |
Eligible prescription drugs | Non-Québec residents: Provincial formulary Québec residents: Covers generic name drugs |
Dispensing fee | Covers $10per perscription |
Medications covered | This plan uses the Essentials Formulary. The Essentials Formulary covers drugs based on your provincial/territorial pharmacare formulary (excluding Quebec) and are within our managed formulary. It is meant for those who are not already covered by provincial drug plans. Quebec residents will have full coverage of generic prescriptions that have a Drug Identification Number (DIN) within our managed formulary. We do not cover prescription drugs used for lifestyle purposes, including but not limited to: |
Pre-existing medication use | Includes any pre-existing medication you take based on medical needs if they are listed in our approved drug formulary and meet coverage criteria |
Coordination with RAMQ | For Quebec residents to be eligible for prescription drug coverage under this policy, you must be registered under the RAMQ Public Prescription Drug Insurance Plan |
Eye examination | $60every 2 benefit years |
Eyewear | $200every 2 benefit years |
List of items covered | • Prescription eyeglasses, including lenses and frames |
Professional services | |
Annual combined maximum for all professional services | $600per anniversary year |
Reimbursement rate | 50% |
List of covered licensed and registered practitioners | • Acupuncturist |
Mental health services | |
Annual combined maximum for mental health services | $500per anniversary year |
Reimbursement rate | $75per session |
List of covered licensed and registered mental health practitioners | • Clinical counselor |
Speech therapist | Not included in this plan |
Accidental dental benefits | |
Maximums | $10,000per anniversary year |
Additional details | Pre-authorization form must be submitted and approved before any reimbursement |
In-province emergency ambulance transportation benefits | |
Maximums | Covers the difference between the amount allowed under the provincial government health insurance plan and the reasonable and customary limit |
Medical servicesDiagnostic services benefits (Quebec only) services like diagnostic tests, x-rays, ultrasounds and laboratory tests | Not included in this plan |
Home support service, medical items and medical equipment | Not included in this plan |
Home support service | Not included in this plan |
CPAP, BIPAP and APAP | Not included in this plan |
Compression stockings | Not included in this plan |
Custom-made orthotics | Not included in this plan |
Custom-made footwear | Not included in this plan |
Diabetic, blood glucose meter, glucose monitoring system and supplies | Not included in this plan |
Hearing aids | Not included in this plan |
Mobility aids canes, crutches, walkers and wheelchairs (including wheelchair batteries) | Not included in this plan |
Room coverage in a public hospital | Not included in this plan |
Available services | Confidential online peer support and self-guided mental wellness resources available 24/7 via TogetherAll |
Plan member access | Available to all household members aged 16 and older, including spouses, children and extended family |
Benefit year: Each successive 12-month period following the date a claim for a specified benefit is first incurred under the policy.
Anniversary year: Each successive 12-month period following the effective date of the policy.
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 of Canada 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
Here’s how much value you get for your monthly premium
Based on public rates for a 32-year-old person from Ontario.
Covered Benefit | Value Per Person |
|---|---|
Dental (first year) | $750 |
Prescription drugs | $600 |
Vision (per two benefit years) | $310 |
Professional services/registered therapists | $750 |
Mental health services | $800 |
Speech therapist | $500 |
Accidental dental | $10,000 |
Homecare, nursing & equipment (first year) | $500 |
Total benefits | $14,210 |
Your total monthly premium: | $162/month |
Annual maximum for all dental benefits combined | Per anniversary year – Year 1 $750 Year 2+ $900 |
Basic preventative and restorative servicescleanings, basic services, oral exams and basic oral surgery | |
Reimbursement rate | 80% |
Additional parameters | |
| 1 every 3 anniversary years |
| 1 every anniversary year |
| 1 every 9 months |
| 1 every 6 months (up to 1 unit of polishing and up to 1 unit of scaling at recall exam) |
| 1 every 9 months (for age 19 and under only) |
Comprehensive servicesendodontic, periodontal treatment and denture services | |
Reimbursement rate | 60% |
Additional parameters | |
| 6 units every anniversary year |
| 1 every 3 anniversary year |
Major servicescrowns, bridges, dentures on natural teeth | |
Reimbursement rate | Year 3+ 50% |
Additional parameters | |
| 1 every anniversary year |
Additional details | An estimate completed by a legally qualified Dental Practitioner must be submitted for assessment and pre-approval |
Orthodonticstreatments to correct the bite | Not included in this plan |
Annual maximum | $600per anniversary year |
Reimbursement rate | Covers 70%of the cost of eligible prescription drugs |
Eligible prescription drugs | Covers generic name drugs |
Dispensing fee | Reimbursement is provided up to the reasonable and customary limit. |
Medications covered | We fully cover birth control and any generic prescriptions that have a Drug Identification Number (DIN), are dispensed by a licensed pharmacist and are listed in our approved drug formulary. Some drugs require pre-approval through our review process before reimbursement. Pre-existing conditions do not guarantee coverage, and only drugs listed in our formulary are eligible. Brand name medications will only be covered if no generic option exists. We do not cover prescription drugs used for lifestyle purposes, including but not limited to: |
Pre-existing medication use | Includes any pre-existing medication you take based on medical needs if they are listed in our approved drug formulary and meet coverage criteria |
Coordination with RAMQ | For Quebec residents to be eligible for prescription drug coverage under this policy, you must be registered under the RAMQ Public Prescription Drug Insurance Plan |
Eye examination | $60every 2 benefit years |
Eyewear | $250every 2 benefit years |
List of items covered | • Prescription eyeglasses, including lenses and frames |
Professional services | |
Annual combined maximum for all professional services | $750per anniversary year |
Reimbursement rate | 80% |
List of covered licensed and registered practitioners | • Acupuncturist |
Mental health services | |
Annual combined maximum for mental health services | $800per anniversary year |
Reimbursement rate | $100per session |
List of covered licensed and registered mental health practitioners | • Clinical counselor |
Speech therapist | |
Maximums | $500per anniversary year |
Reimbursement rate | 70% |
Accidental dental benefits | |
Maximums | $10,000per anniversary year |
Additional details | Pre-authorization form must be submitted and approved before any reimbursement |
In-province emergency ambulance transportation benefits | |
Maximums | Covers the difference between the amount allowed under the provincial government health insurance plan and the reasonable and customary limit |
Medical servicesDiagnostic services benefits (Quebec only) services like diagnostic tests, x-rays, ultrasounds and laboratory tests | |
Maximums | $1,000per anniversary year |
Home support service, medical items and medical equipment | |
Annual combined maximum for homecare and nursing, prosthetic appliances and durable medical equipment | Per anniversary year – Year 1 $500 |
Additional details | Pre-authorization form must be submitted and approved before any reimbursement |
Waiting period (if applicable) | 3 month waiting period applies (except diabetic supplies) |
Home support service | |
List of covered professionals | • Registered Nurse (R.N.) |
Additional details | • Pre-authorization form must be submitted and approved before any reimbursement* |
CPAP, BIPAP and APAP | |
Maximums | Combined device and supply maximum per anniversary year – Year 1 $250 |
Compression stockings | |
Maximums | 2 pairsevery 2 benefit years |
Custom-made orthotics | |
Maximums | $225every 2 benefit years |
Custom-made footwear | |
Maximums | $500every 2 benefit years |
Diabetic, blood glucose meter, glucose monitoring system and supplies | |
Maximums | $500per benefit year |
Hearing aids | |
Maximums | $400every 4 benefit years |
Mobility aids canes, crutches, walkers and wheelchairs (including wheelchair batteries) | |
Maximums | • Subject to $2,500 lifetime maximum |
Room coverage in a public hospital | Not included in this plan |
Available services | Confidential online peer support and self-guided mental wellness resources available 24/7 via TogetherAll |
Plan member access | Available to all household members aged 16 and older, including spouses, children and extended family |
Benefit year: Each successive 12-month period following the date a claim for a specified benefit is first incurred under the policy.
Anniversary year: Each successive 12-month period following the effective date of the policy.
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 of Canada 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
Here’s how much value you get for your monthly premium
Based on public rates for a 32-year-old person from Ontario.
Covered Benefit | Value Per Person |
|---|---|
Dental (first year) | $750 |
Prescription drugs | - |
Vision (per two benefit years) | $250 |
Professional services/registered therapists | $750 |
Mental health services | $800 |
Speech therapist | $500 |
Accidental dental | $10,000 |
Homecare, nursing & equipment (first year) | $500 |
Total benefits | $13,550 |
Your total monthly premium: | $135/month |
Annual maximum for all dental benefits combined | Per anniversary year – Year 1 $750 Year 2+ $900 |
Basic preventative and restorative servicescleanings, basic services, oral exams and basic oral surgery | |
Reimbursement rate | 80% |
Additional parameters | |
| 1 every 3 anniversary years |
| 1 every anniversary year |
| 1 every 9 months |
| 1 every 6 months (up to 1 unit of polishing and up to 1 unit of scaling at recall exam) |
| 1 every 9 months (for age 19 and under only) |
Comprehensive servicesendodontic, periodontal treatment and denture services | |
Reimbursement rate | 60% |
Additional parameters | |
| 6 units every anniversary year |
| 1 every 3 anniversary year |
Major servicescrowns, bridges, dentures on natural teeth | |
Reimbursement rate | Year 3+ 50% |
Additional parameters | |
| 1 every anniversary year |
Additional details | An estimate completed by a legally qualified Dental Practitioner must be submitted for assessment and pre-approval |
Orthodonticstreatments to correct the bite | Not included in this plan |
Not included in this plan | |
Eye examination | $60every 2 benefit years |
Eyewear | $250every 2 benefit years |
List of items covered | • Prescription eyeglasses, including lenses and frames |
Professional services | |
Annual combined maximum for all professional services | $750per anniversary year |
Reimbursement rate | 80% |
List of covered licensed and registered practitioners | • Acupuncturist |
Mental health services | |
Annual combined maximum for mental health services | $800per anniversary year |
Reimbursement rate | $100per session |
List of covered licensed and registered mental health practitioners | • Clinical counselor |
Speech therapist | |
Maximums | $500per anniversary year |
Reimbursement rate | 70% |
Accidental dental benefits | |
Maximums | $10,000per anniversary year |
Additional details | Pre-authorization form must be submitted and approved before any reimbursement |
In-province emergency ambulance transportation benefits | |
Maximums | Covers the difference between the amount allowed under the provincial government health insurance plan and the reasonable and customary limit |
Medical servicesDiagnostic services benefits (Quebec only) services like diagnostic tests, x-rays, ultrasounds and laboratory tests | |
Maximums | $1,000per anniversary year |
Home support service, medical items and medical equipment | |
Annual combined maximum for homecare and nursing, prosthetic appliances and durable medical equipment | Per anniversary year – Year 1 $500 |
Additional details | Pre-authorization form must be submitted and approved before any reimbursement |
Waiting period (if applicable) | 3 month waiting period applies (except diabetic supplies) |
Home support service | |
List of covered professionals | • Registered Nurse (R.N.) |
Additional details | • Pre-authorization form must be submitted and approved before any reimbursement* |
CPAP, BIPAP and APAP | |
Maximums | Combined device and supply maximum per anniversary year – Year 1 $250 |
Compression stockings | |
Maximums | 2 pairsevery 2 benefit years |
Custom-made orthotics | |
Maximums | $225every 2 benefit years |
Custom-made footwear | |
Maximums | $500every 2 benefit years |
Diabetic, blood glucose meter, glucose monitoring system and supplies | |
Maximums | $500per benefit year |
Hearing aids | |
Maximums | $400every 4 benefit years |
Mobility aids canes, crutches, walkers and wheelchairs (including wheelchair batteries) | |
Maximums | • Subject to $2,500 lifetime maximum |
Room coverage in a public hospital | Not included in this plan |
Available services | Confidential online peer support and self-guided mental wellness resources available 24/7 via TogetherAll |
Plan member access | Available to all household members aged 16 and older, including spouses, children and extended family |
Benefit year: Each successive 12-month period following the date a claim for a specified benefit is first incurred under the policy.
Anniversary year: Each successive 12-month period following the effective date of the policy.
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 of Canada 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
Here’s how much value you get for your monthly premium
Based on public rates for a 32-year-old person from Ontario.
Covered Benefit | Value Per Person |
|---|---|
Dental (first year) | $800 |
Prescription drugs | $700 |
Vision (per two benefit years) | $500 |
Professional services/registered therapists | $1,000 |
Mental health services | $1,300 |
Speech therapist | $500 |
Accidental dental | $10,000 |
Homecare, nursing & equipment (first year) | $1,000 |
Total benefits | $15,700 |
Your total monthly premium: | $221/month |
Annual maximum for all dental benefits combined | Per anniversary year – Year 1 $800 Year 2+ $1,200 |
Basic preventative and restorative servicescleanings, basic services, oral exams and basic oral surgery | |
Reimbursement rate | 90% |
Additional parameters | |
| 1 every 3 anniversary years |
| 1 every anniversary year |
| 1 every 6 months |
| 1 every 6 months (up to 1 unit of polishing and up to 1 unit of scaling at recall exam) |
| 1 every 6 months (for age 19 and under only) |
Comprehensive servicesendodontic, periodontal treatment and denture services | |
Reimbursement rate | 80% |
Additional parameters | |
| 6 units every anniversary year |
| 1 every 3 anniversary year |
Major servicescrowns, bridges, dentures on natural teeth | |
Reimbursement rate | Year 2+ 60% |
Additional parameters | |
| 1 every anniversary year |
Additional details | An estimate completed by a legally qualified Dental Practitioner must be submitted for assessment and pre-approval |
Orthodonticstreatments to correct the bite | |
Reimbursement rate | Year 2+ 60% |
Additional details | Pre-authorization form must be submitted and approved before any orthodontic treatment begins* |
Annual maximum | $700per anniversary year |
Reimbursement rate | Covers 70%of the cost of eligible prescription drugs |
Eligible prescription drugs | Covers generic name drugs |
Dispensing fee | Covers $10per perscription |
Medications covered | We fully cover birth control and any generic prescriptions that have a Drug Identification Number (DIN), are dispensed by a licensed pharmacist and are listed in our approved drug formulary. Some drugs require pre-approval through our review process before reimbursement. Pre-existing conditions do not guarantee coverage, and only drugs listed in our formulary are eligible. Brand name medications will only be covered if no generic option exists. We do not cover prescription drugs used for lifestyle purposes, including but not limited to: |
Pre-existing medication use | Includes any pre-existing medication you take based on medical needs if they are listed in our approved drug formulary and meet coverage criteria |
Coordination with RAMQ | For Quebec residents to be eligible for prescription drug coverage under this policy, you must be registered under the RAMQ Public Prescription Drug Insurance Plan |
Eye examination | $100every 2 benefit years |
Eyewear | $400every 2 benefit years |
List of items covered | • Prescription eyeglasses, including lenses and frames |
Professional services | |
Annual combined maximum for all professional services | $1,000per anniversary year |
Reimbursement rate | 80% |
List of covered licensed and registered practitioners | • Acupuncturist |
Mental health services | |
Annual combined maximum for mental health services | $1,300per anniversary year |
Reimbursement rate | $100per session |
List of covered licensed and registered mental health practitioners | • Clinical counselor |
Speech therapist | |
Maximums | $500per anniversary year |
Reimbursement rate | 70% |
Accidental dental benefits | |
Maximums | $10,000per anniversary year |
Additional details | Pre-authorization form must be submitted and approved before any reimbursement |
In-province emergency ambulance transportation benefits | |
Maximums | Covers the difference between the amount allowed under the provincial government health insurance plan and the reasonable and customary limit |
Medical servicesDiagnostic services benefits (Quebec only) services like diagnostic tests, x-rays, ultrasounds and laboratory tests | |
Maximums | $1,000per anniversary year |
Home support service, medical items and medical equipment | |
Annual combined maximum for homecare and nursing, prosthetic appliances and durable medical equipment | Per anniversary year – Year 1 $1,000 |
Additional details | Pre-authorization form must be submitted and approved before any reimbursement |
Waiting period (if applicable) | 3 month waiting period applies (except diabetic supplies) |
Home support service | |
List of covered professionals | • Registered Nurse (R.N.) |
Additional details | • Pre-authorization form must be submitted and approved before any reimbursement* |
CPAP, BIPAP and APAP | |
Maximums | Combined device and supply maximum per anniversary year – Year 1 $250 |
Compression stockings | |
Maximums | 2 pairsevery 2 benefit years |
Custom-made orthotics | |
Maximums | $225every 2 benefit years |
Custom-made footwear | |
Maximums | $500every 2 benefit years |
Diabetic, blood glucose meter, glucose monitoring system and supplies | |
Maximums | $500per benefit year |
Hearing aids | |
Maximums | $400every 4 benefit years |
Mobility aids canes, crutches, walkers and wheelchairs (including wheelchair batteries) | |
Maximums | • Subject to $2,500 lifetime maximum |
Room coverage in a public hospital | Not included in this plan |
Available services | Confidential online peer support and self-guided mental wellness resources available 24/7 via TogetherAll |
Plan member access | Available to all household members aged 16 and older, including spouses, children and extended family |
Benefit year: Each successive 12-month period following the date a claim for a specified benefit is first incurred under the policy.
Anniversary year: Each successive 12-month period following the effective date of the policy.
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 of Canada 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
Product Highlights
Skip the doctor's visit: No physical exams, no medical tests or questionaries. PolicyMe Health & Dental plans offer instant, hassle-free approval with coverage starting as soon as the next day. And yes, all your pre-existing conditions will be covered!*
Low-stress digital sign-up: Your application is fully online and takes less than 20 minutes for most people.
*Some services, like major dental, orthodontics and medical equipment are subject for pre-approval
No blanket exclusions: Once you're approved, your pre-existing conditions are covered under your plan. Simple as that.
- Prescription drugs for pre-existing conditions are covered as long as they’re included in your plan’s drug list. We recommend doing a DIN lookup in your account or speaking with a licensed advisor to confirm.
- A few things need approval first: Just so we can make sure everything's in order, you’ll need to submit paperwork if you’re in need of the following:
- Major dental work: Your dentist will need to submit an estimate for us to review and pre-approve before starting treatment.
- Orthodontics: Submit a pre-authorization form and get the green light before beginning any braces or orthodontic work.
- Home support, medical items and equipment: Send us a pre-authorization form before purchase so we can approve it for reimbursement.
Important. Some claims may be subject to a waiting period. Please refer to your plan’s Schedule of Benefits to confirm if a waiting period applies to your coverage.
Get covered fast: With PolicyMe, your primary coverage kicks in at 12:01 a.m. on whichever date comes later:
- The effective date shown on your “Getting Started” document, or
- The date we email you to confirm your coverage is active after receiving your first premium payment
You pick the date: You'll get to pick your coverage start date when you're checking out during the online application.
Important. Most benefits are available right away, but a few have waiting periods that apply even if your primary coverage has already started. Major dental work, orthodontics, home support, and medical equipment all have waiting periods of between 3 months and 3 years, depending on the plan you select. Check out the waiting periods section for each benefit category for the full details.
If you're self-employed and earn most of your income from your business, your PolicyMe Health & Dental premiums may be tax-deductible as a business expense under Canada's Private Health Services Plan (PHSP) rules. This can cover premiums for you, your spouse, and anyone in your household.
Quick eligibility check:
You may be able to deduct your premiums from your taxable income if:
- You earn over 50% of your income from self-employment, or
- Your non-self-employed income is $10,000 or less
How it works: Deduct eligible premiums on your business tax return (lines 9270, 9804, or business expenses) to lower your taxable income. Any amounts you can't deduct as a business expense can still be claimed as medical expenses on your personal return for a tax credit.
What you need: Download your annual premium statement from your PolicyMe account and keep it with your tax records in case the CRA asks for verification.
Important: We're not tax advisors, so this info is just intended to help you start the process of claiming a deduction. For detailed guidance, check out the official CRA page or chat with your tax professional to see what applies to your specific situation.
Direct billing (most common): In most cases, your provider can bill us directly. You'll only pay your co-pay portion out of pocket, and we handle the rest with your provider automatically.
No direct billing? If your provider doesn't have direct billing set up with us, you'll need to pay upfront and submit a claim through your PolicyMe account to get reimbursed.
How to submit a claim:
- Keep and submit all itemized paid receipts (not just credit card slips)
- Enter your Member ID from your benefits card
- File within 12 months of receiving the service
Important: Some benefits, such as major dental work, require pre-authorization before you can claim them. Check your policy details to see if you need pre-authorization for specific medical services.
Getting reimbursed: We'll send your reimbursement via direct deposit or cheque after your provincial health plan pays their portion. Reimbursement is based on when you received the service, not when you paid for it.
- Speak to a healthcare professional anytime: Get advice, assessments, and prescriptions without leaving your home.
- Included in all eligible plans: No need for add-ons! Telehealth is part of your coverage automatically, with no extra fees.
- Great for families: Access care quickly for kids or loved ones when you can’t make it to a clinic.
- Perfect for busy schedules: Save time and skip the commute for common health issues.
- Automatically renews
- Auto-renew on a yearly basis (unless you tell us you want to cancel!).
- You can cancel at any time, without fees or penalties.
Documentation & Important Information
Official Product Name: | PolicyMe Health and Dental Insurance |
Insurer | Securian Canada 1400-25 Sheppard Avenue West Toronto, ON, Canada, M2N 6S6 Email: service@canadianpremier.ca Phone (Toll-free): 1-855-883-6176 Website: https://securiancanada.ca/ AMF Client Number: 2000829775AMF Website: http://lautorite.qc.ca/en |
Distributor: | PolicyMe Corp 1300-60 Adelaide St E Toronto, ON, Canada, M5C 3E4 AMF Client Number: 3002916818 General Inquiries: info@policyme.com Phone: 1-866-999-7457 Website: www.policyme.com |
Plans | PolicyMe Health and Dental Insurance - Guaranteed Issue Economic Plan PolicyMe Health and Dental Insurance - Guaranteed Issue Classic Plan PolicyMe Health and Dental Insurance - Guaranteed Issue Advanced Plan PolicyMe Health and Dental Insurance - Guaranteed Issue Dental Care Plan PolicyMe Health and Dental Insurance - Guaranteed Issue No Dental Advanced Plan PolicyMe Health and Dental Insurance - Guaranteed Issue Drug Care Plan PolicyMe Protect Health and Dental Insurance - Economic Plan PolicyMe Protect Health and Dental Insurance - Classic Plan PolicyMe Protect Health and Dental Insurance - Advanced Plan PolicyMe Protect Health and Dental Insurance - No Dental Advanced Plan Your premium will remain the same for the duration of your 1-year policy term, except under the following circumstances:
If any of the above situations arise, we may make changes to your premiums or benefits by giving you at least 30-days notice in writing (email) of any change we make. We reserve the right to make other changes that do not appear in the list above, as long as we give you 30 days of notice in writing. Your policy will automatically renew on a yearly basis as long as premiums continue to be paid, unless you choose to cancel. You can cancel at any time without fees or penalties. |
Premiums | Your premium will remain the same for the duration of your 1-year policy term, except under the following circumstances:
If any of the above situations arise, we may make changes to your premiums or benefits by giving you at least 30-days notice in writing (email) of any change we make. We reserve the right to make other changes that do not appear in the list above, as long as we give you 30 days of notice in writing. Your policy will automatically renew on a yearly basis as long as premiums continue to be paid, unless you choose to cancel. You can cancel at any time without fees or penalties. |
Lives Insured | Individuals or families (up to 11 members in total) |
Issue Ages | 18-99 |
Wait period | Only applicable for certain services |
Who can be covered | To be eligible and remain eligible for coverage under this policy, a person must be:
You and your eligible Dependents, who are listed on your Getting Started document, are covered under this policy. Each person covered may be referred to as a Covered Person and everyone, collectively, as Covered Persons. To be eligible for coverage, your Dependents must be your Spouse or Dependent Children. Some important information about your Dependents:
If you purchased a PolicyMe Protect plan, you or your Spouse must have been covered under a group health insurance plan within no more than 90 days before the day you submitted your Application in order to be eligible for coverage. You are responsible for telling us when a Covered Person no longer meets the eligibility requirements stated above. You can only be covered under one of our health and dental plans at any given time. For Québec residents only Québec residents must be registered under the public prescription drug insurance plan of the Régie de l’assurance-maladie du Québec (RAMQ), which provides basic coverage for prescription drug costs. Your policy will provide coverage that supplements RAMQ’s basic coverage. This supplementary coverage does not replace RAMQ’s basic coverage; it adds to it by covering, for example, drugs that are not reimbursed by the public plan or the portion of drug costs not reimbursed by the public plan. |
Coordination of Benefits (COB) | If you are covered for health and dental benefits under another plan in addition to this plan, and both plans permit a Coordination of Benefits (COB), your benefits under this plan will be coordinated with the other plan following industry standard guidelines developed by the Canadian Life and Health Insurance Association: the total amount payable cannot be greater than 100% of the eligible expense incurred. Applying COB allows all benefit carriers to identify which plan is the primary payor and which is the secondary payor. We work together with other carriers or benefit plans to make sure you receive the maximum dollar value from all plans that you and your family are entitled to. If your Spouse is covered under another plan, they must submit claims to that benefit plan first and then submit any remaining balances to this plan. Coverage under this plan will be secondary. When your Dependent Children are covered under both your benefit plan and your Spouse’s benefit plan, you should first submit claims under the plan for the parent whose birth month and day fall earlier in the Calendar Year. |
Cancellations | If you cancel within 30 days of the Effective Date, you will receive a full refund of any premiums you have paid minus any claims that have been paid or are payable to you. If the claims that we have paid are greater than the premiums paid, you must pay us the difference right away. You will not be charged any cancellation fees or penalties. You may request to cancel your policy by sending an email to advisor@policyme.com with your policy number. |
Renewals | PolicyMe Health and Dental Insurance is a renewable product. This policy will auto-renew on a yearly basis, unless you tell us you wish to cancel. You can cancel at any time, without fees or penalties. |
Exclusions | Standard Exclusions PolicyMe Health and Dental Insurance has the industry-standard exclusions where the insurer will not pay out any benefit related in any way to any of the following:
|
Misstatements | If any Covered Persons’ date of birth or province has been misstated, your premiums will be adjusted to the amount that would have been charged based on their correct age or province. If you would have been ineligible for coverage had the correct information been provided at the time coverage became effective, this policy is void and we will return all of the premiums paid. If you, intentionally or unintentionally, misrepresent, hide or fail to give us information when you are making a claim, we can choose to not pay the claim. If we have already paid it, you must pay us back any amounts we have paid to you. Under certain circumstances, we may terminate your policy and you will have to pay us back. If we investigate you for fraud, you must provide (at your own cost) all information that we need to investigate your claim. We may need to conduct a claims assessment, which may require you to complete a medical questionnaire or provide us with additional medical information. You are responsible for the costs you incur for collecting this information. If you applied for a fully underwritten policy and failed to disclose a Material Fact that may have resulted in an individual exclusion being applied to your policy at the time of issuance, we may update your benefits to apply the appropriate individual exclusions to this policy. You must provide us with satisfactory proof of identity, age or other eligibility-related information for any Covered Person on this policy if we ask you. |
Frequently Asked Questions
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.
Health and dental insurance provides coverage for a range of medical and dental expenses that aren’t covered by provincial healthcare plans in Canada. This type of insurance helps reduce out-of-pocket costs for services like prescription drugs, dental check-ups, orthodontics, physiotherapy, and mental health services.
Depending on the plan, coverage can vary widely, including everything from basic preventative care to more extensive treatments and specialized care. It can be an essential tool for managing unexpected health expenses and ensuring that routine care is accessible and affordable.