Types of insurance

​​Our coverage protects you and your dependents from the financial consequences of illness, accident, inability to work, death or other events.

Some plans also include a health spending account (HSA) to cover additional medical and dental expenses or a wellness account.

For more information on insurance, contact your plan administrator.

Supplementary healthcare 1

Covers some expenses that aren’t reimbursed under public healthcare plans, such as:

  • Hospitalization expenses
  • Medical expenses
  • Fees for healthcare specialists

Vision care 1

Covers the most common vision care expenses, such as:

  • Eye exams
  • Glasses and contact lenses
  • Eye surgery

Convalescent care

Covers expenses for a number of services so you or your family member can recover at home (after an operation, for example).

  • Various home care services
  • Convalescence assistance service

Prescription drug 1

Normally comes with supplementary healthcare insurance and covers drug costs.

Find out how to keep your drug costs down.

Dental care

Covers expenses for common dental treatments and procedures, such as:

  • Preventive care (cleanings, checkups)
  • Restorative care (fillings, crowns, dentures, etc.)


Replaces your salary if you become disabled for a short or long period of time.

Critical illness

Pays a lump sum if you or a family member are diagnosed with a covered critical illness or undergo an eligible surgical procedure.

Learn more about critical illness insurance coverage (PDF, 1.5​ MB)


Pays a lump sum in the event of natural or accidental death.

Accidental death and dismemberment

Pays a lump sum in the event of accidental death, dismemberment or loss of sight. In the case of a death, this amount is paid on top of the life insurance lump sum.

Gender affirmation 1

Reimburses trans and non-binary individuals for certain fees not covered by public healthcare plans, such as:

  • Healthcare services
  • Aesthetic services
  • Surgeries

Learn more about gender affirmation coverage (PDF, 250 KB) Opens in a new tab.

Optional insurance

Lets you increase the amount of your insurance coverage or purchase coverage that isn’t included in your basic plan.

Three types of optional insurance are available:

  • Life
  • Critical illness
  • Accidental death and dismemberment

Travel and trip cancellation 1

Cover certain emergency medical expenses incurred when you and your dependents are travelling out of your province of residence.

  • Emergency healthcare
  • Repatriation
  • Trip cancellation or interruption

You can also get medical, personal and financial assistance wherever you are, 24/7, thanks to our Travel Assistance service.

Learn more about trip cancellation insurance (PDF, 940 KB) Opens in a new tab.

For expatriate employees
For temporary residents

Protect yourself when you work abroad or are returning from a prolonged stay, or if you’re a foreign worker coming to Canada.

1. This coverage is part of the extended healthcare benefit and any eligible expenses are subject to the conditions set out under that benefit.