Manulife Health & Dental Insurance

Manulife Health and Dental Insurance is a great way to stay covered for you and your family!


Get Instant Quotes and Apply for Dental Insurance Online

We offer a wide selection of dental insurance plans. You can combine dental coverage with extended health benefits for more comprehensive coverage. Use our insurance rate calculator to compare quotes among different companies and apply directly online.

It is easy to apply. Just select the coverage you need and fill out an online application form- and you are covered!

Who should have supplementary health insurance?

Provincial health care plans may not satisfy all your medical care needs. If you would like extra coverage you can apply for supplementary health and dental insurance. While supplementary plans vary from province to province, as well as the type and level of insurance coverage offered, the most common types of supplemental health insurance is extended health (which provides coverage for prescriptions, vision etc.) and dental plans.

You need extended health and dental coverage if you are:

•Self-employed

If you have your own business you may want to consider to have a group plan set up. Also you can apply for personal extended health and dental plan to get comprehensive coverage. Remember that insurance premiums are tax deductible!

•Retiree

Since the employee benefits plan you’re accustomed to at your work may not cover you during retirement be prepared with supplementary health insurance.

•You need extra coverage

Extra coverage is a good idea if you have additional health care needs that are not covered under provincial or your group or work plan.

Dental Services Base Dental Bronze Dental Silver Dental Gold Dental
Reimbursement on exams, cleanings, fillings, scaling, polishing, root planing, diagnostics, and other basic dental services Year 1: 50%
Year 2+: 70%
Year 1: 50%
Year 2+: 70%
Year 1: 60%
Year 2+: 80%
Year 1: 60%
Year 2+: 80%
Reimbursement on extensive services, including endodontics, periodontics and denture services Year 1: 50%
Year 2+: 70%
Year 1: 50%
Year 2+: 70%
Year 1: 60%
Year 2+: 80%
Year 1: 60%
Year 2+: 80%
Reimbursement on crowns, bridges, dentures and orthodontics Not covered Not covered Not covered Year 1&2: Not covered
Year 3+: 60% ($800 max/2 years)
Yearly maximum $400 $500 Year 1: $500
Year 2+: $900
Year 1: $750
Year 2: $1,000
Year 3&4: $1,200
Year 5+: $1,500
Recall visits 9 months 9 months 9 months 6 months

All Manulife Dental-Only plans additionally include the following benefits:

Vision Care

Covers the costs to purchase prescription lenses and frames and/or contact lenses up to $100 per 2 years, plus $50 for Optometrist visits. Vision Care also provides PVS Discounts up to 20% at participating retailers.

Accidental Death and Dismemberment

Covers a loss directly resulting from accidental bodily injury, including loss of life, where the loss occurs within a year of the date of the accident, up to a maximum of $10,000 per adult or $4,000 per child or senior over 65.

Survivor Benefit

Provides survivor benefit for continuous coverage for 1 year following the death of the subscriber or co-subscriber. This benefit is available 1 year after the policy effective date.

Registered Specialists and Therapists

Covers visits to Acupuncturists, Chiropractors, Osteopaths, Podiatrists, Naturopaths, Chiropodists, Registered Massage Therapists, Physiotherapists, Psychologists, Social Workers and Speech Therapists, up to the maximums stated below.
Registered Specialists and Therapists: Maximum of $300 per specialist/therapist, $20 per visit. Maximum of $35 per year for chiropractic x-rays.
Psychologists and Social Workers: Maximum of $80 for first visit, $65 for each subsequent visit. Maximum 10 visits per year.
Speech Therapists: Maximum of $65 for first visit, $45 for each subsequent visit. Maximum 10 visits per year.

Lifeline Response Service

Provides 24-hour monitoring service for people coping with medical problems at home, up to a maximum of 3 months per lifetime.

Home Care, Nursing, Prosthetics and Medical Equipment

Covers the services of registered health professionals including Registered Nurses, Registered Nursing Assistants and healthcare aid; includes surgical bandages and dressings and the purchase or rental of medically necessary equipment such as crutches, non-electric wheel-chairs and hospital beds, oxygen and other equipment recommended by your physician and approved by Manulife Financial. Also includes prosthetic appliances such as artificial limbs, eyes, splints, casts and breast prostheses following mastectomies. Payment will be coordinated where benefits are available through the Assistive Devices Program. Custom orthotics are covered for up to $225 per year. Other services and devices listed above are covered up to maximums of: Year 1: $1,000; Year 2: $1,300; Year 3: $1,500; Year 4: $2,000; Year 5: $2,500.

Hearing Aids

Purchase and repair costs for hearing aids are covered for up to $300 per 4 year period. A 10% deduction of costs for hearing aids is also available under PVS.

Ambulance Services

Covers trips to hospitals in a licensed ground ambulance. Charges are covered up to the amount between what the provincial health plan covers and what is reasonable and customary. Air ambulance is payable only after provincial health insurance plan maximum has been reached, if applicable, up to a $4,000 maximum.

Accidental Dental

Covers dental treatment required as a result of an accidental blow to the head or mouth up to a maximum of $2,000 per year. Treatment must be sought within the 90-day period following the accident.

Health Service Navigator

Provides access for the applicant and their eligible family members to the Health Service Navigator phone hotline, which provides information about the Canadian health care system and can answer health-related questions and provide a second opinion from a world-class hospital.

Lifetime Maximum

The lifetime maximum for all Manulife Dental-Only plans is $100,000.

Dental Services Base Health&Dental Bronze Health&Dental Silver Health&Dental Gold Health&Dental
Reimbursement on exams, cleanings, fillings, scaling, polishing, root planing, diagnostics, and other basic dental services 70% 70% 80% 80%
Reimbursement on extensive services, including endodontics, periodontics and denture services 70% 70% 80% 80%
Reimbursement on crowns, bridges, dentures and orthodontics Not covered Not covered Not covered Year 1&2: Not covered
Year 3+: 60% ($800 max/2 years)
Yearly maximum $400 $500 Year 1: $500
Year 2+: $900
Year 1: $750
Year 2: $1,000
Year 3&4: $1,200
Year 5+: $1,500
Recall visits 9 months 9 months 9 months 6 months
Prescription Drugs Base Health&Dental Bronze Health&Dental Silver Health&Dental Gold Health&Dental
Generic vs Brand-Name Coverage Generic Generic Generic Brand-Name
Shared Dispensing Free Maximum $6.50 $6.50 $7.50 Unlimited
Birth Control & Fertility Drugs Not covered Not covered Covered Covered
Reimbursement per calendar year 70% on first $750 only 70% on first $500, 80% on next $2,500 70% on first $500, 100% on next $4,650 90% on first $2,222, 100% on next $8,000
Hospital Benefits Base Health&Dental Bronze Health&Dental Silver Health&Dental Gold Health&Dental
Type of accommodation Not covered Not covered Semi-private Semi-private & Private
Maximum charge per day Not covered Not covered $150 $200
Reimbursement per year Not covered Not covered 100% on first 30, 50% on next 100 days 100%
Cash benefit in lieu of accomodation N/A N/A $25/day starting on the fourth day, up to a maximum of $750 $50/day, up to a maximum of $3,000
Accidental Death & Dismemberment Base Health&Dental Bronze Health&Dental Silver Health&Dental Gold Health&Dental
Adult Maximum $10,000 $12,500 $25,000 $50,000
Child or Senior over 65 Maximum $4,000 $5,000 $10,000 $20,000
Registered Specialists and Therapists Base Health&Dental Bronze Health&Dental Silver Health&Dental Gold Health&Dental
Registered Specialists and Therapists Maximum claims paid: $300 per specialist/therapist
Per visit maximum: $20
Chiropractic X-rays: $35/year
Maximum claims paid: 80% up to a maximum of $450 per specialist/therapist
Chiropractic X-rays: $35/year
Maximum claims paid: 90% up to a maximum of $600 per specialist/therapist
Chiropractic X-rays: $35/year
Maximum claims paid: $600 combined
Chiropractic X-rays: $35/year
Psychologists and Social Workers Maximum per first visit: $80
Maximum per subsequent visit: $65
Maximum visits per year: 10
Maximum per first visit: $80
Maximum per subsequent visit: $65
Maximum visits per year: 10
Maximum per first visit: $80
Maximum per subsequent visit: $65
Maximum visits per year: 12
Maximum per first visit: $80
Maximum per subsequent visit: $65
Maximum visits per year: 15
Speech Therapists Maximum per first visit: $65
Maximum per subsequent visit: $45
Maximum visits per year: 10
Maximum per first visit: $65
Maximum per subsequent visit: $45
Maximum visits per year: 10
Maximum per first visit: $65
Maximum per subsequent visit: $45
Maximum visits per year: 12
Maximum per first visit: $65
Maximum per subsequent visit: $45
Maximum visits per year: 15
Homecare, Nursing, and Equipment Base Health&Dental Bronze Health&Dental Silver Health&Dental Gold Health&Dental
Coverage for each of Homecare & Nursing, Prosthetic Appliances and Durable Medical Equipment Year 1: $1,000
Year 2: $1,300
Year 3: $1,500
Year 4: $2,000
Year 5: $2,500
$2,500/year $3,500/year $8,500/year
Custom-made Orthotics: $225/year for all plans
Vision Care
Covers the costs to purchase prescription lenses and frames and/or contact lenses, plus $50 per 2 years for Optometrist visits. Vision Care also provides PVS Discounts up to 20% at participating retailers.
Base Health&Dental Bronze Health&Dental Silver Health&Dental Gold Health&Dental
$100 per 2 years $100 per 2 years $150 per 2 years $250 per 2 years
Travel Coverage
Covers emergency medical expenses incurred while traveling outside your province or territory of residence and access to a worldwide medical assistance centre up to a maximum of $5,000,000 per trip. Coverage only applies up to age 64. Note that coverage may be limited or excluded for any illness or condition that manifests itself within the 9 month period immediately preceding each departure date.
Base Health&Dental Bronze Health&Dental Silver Health&Dental Gold Health&Dental
Maximum trip length: 5 days Maximum trip length: 9 days Maximum trip length: 17 days Maximum trip length: 30 days
Lifeline Response Service
Provides 24-hour monitoring service for people coping with medical problems at home, up to the specified maximum.
Base Health&Dental Bronze Health&Dental Silver Health&Dental Gold Health&Dental
3 months per lifetime 3 months per lifetime 6 months per lifetime 6 months per 3-year period
Hearing Aids
Purchase and repair costs for hearing aids are covered for up to the specified amount per 4 year period. A 10% deduction of costs for hearing aids is also available under PVS.
Base Health&Dental Bronze Health&Dental Silver Health&Dental Gold Health&Dental
$300 $300 $400 $500
Accidental Dental
Covers dental treatment required as a result of an accidental blow to the head or mouth up to the specified amount per year. Treatment must be sought within the 90-day period following the accident.
Base Health&Dental Bronze Health&Dental Silver Health&Dental Gold Health&Dental
$2,000 $2,000 $2,500 $3,000
Lifetime Maximum
The maximum amount payable over an applicant’s lifetime.
Base Health&Dental Bronze Health&Dental Silver Health&Dental Gold Health&Dental
$100,000 $250,000 $350,000 $350,000

All Manulife Health&Dental plans additionally include the following benefits:

Survivor Benefit

Provides survivor benefit for continuous coverage for 1 year following the death of the subscriber or co-subscriber. This benefit is available 1 year after the policy effective date for the Base Health&Dental plan, and is available immediately for all other Health&Dental plans.

Ambulance Services

Covers trips to hospitals in a licensed ground ambulance. Charges are covered up to the amount between what the provincial health plan covers and what is reasonable and customary. Air ambulance is payable only after provincial health insurance plan maximum has been reached, if applicable, up to a $4,000 maximum.

Health Service Navigator

Provides access for the applicant and their eligible family members to the Health Service Navigator phone hotline, which provides information about the Canadian health care system and can answer health-related questions and provide a second opinion from a world-class hospital.