Health and Dental Insurance

Not covered by a group benefit plan? Gain the security of knowing your healthcare expenses will be covered - no matter what the future brings. The Travelonly Association Health & Dental Plan can give you the peace-of-mind you need.

Concerned about rising healthcare costs? Anxious because you're not covered by a group health and dental plan, and you are a self-employed, small business owner? You know that your provincial health insurance plan doesn't fully cover many everyday medical expenses like dental services, prescription drugs, prescription eyewear, and more. And these out-of-pocket expenses add up quickly.

You also know that if an accident or illness were to occur, the additional healthcare expenses could leave you financially vulnerable. Fortunately, by taking advantage of the affordable, comprehensive coverage offered by the Travelonly Association Health & Dental Plan, you can put an end to these worries.

Better still, with eight levels of protection to choose from, you'll pay only for the coverage you need.

The First Canadian Financial Group Association Health & Dental Plan offers coverage for:
Prescription drugs Dental care Combined prescription drug and dental care Homecare and nursing Ambulance services	Vision care Accidental dental care Medical equipment and supplies Hearing aids Survivor benefit

As a self-employed person or small business owner, your premiums may be tax deductible.

If you would like to see a PowerPoint slideshow about why you need health and dental insurance, click here.

What if you've suddenly lost your Group Benefits?

If your Group Benefits plan is terminated, perhaps because of a change in employment status, don't worry: you have options!

Normally, you may convert your life coverage to a personally owned policy and this would be done without having to undergo a further medical examination. However, the premiums are normally much higher than standard, sometimes in excess of 200%, and the insurance company does not give you a choice of plan. (Normally the rate for conversion is high because those who take advantage of this opportunity cannot buy standard insurance.)

If you believe that your health is good enough to be underwritten then click here, and find out if you're able to save money on your premiums

As a general rule, the conversion must be performed within 30 days of termination.

This is a general statement of information. Always refer to your policy booklet for conversion options and other details. (If your group benefits plan was brokered by First Canadian Financial Group, you can see your booklet online here.)

What about medical and dental benefits?

With Manulife's Follow Me plan, you can buy coverage without undergoing a medical examination if you apply within 60 days of the termination of your group plan.

(Clicking links to Manulife will take you away from this website, and will open a new tab or window. When you arrive at the new page, click the link at the bottom of the page that reads, "Personal Plans for Individuals and Small Business".)

What about Critical Illness and Long Term Disability?

If you would like to investigate your options regarding Critical Illness insurance, please click here.

If you would like to look into Long Term Disability coverage, please click here.