Health insurance coverage that starts immediately

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.

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.