Live better with a plan that caters to your unique needs
Want flexible and affordable coverage?
With Flexcare®, you have the flexibility to choose from affordable drug, dental, or combined coverage, so you can choose the plan that fits your needs and budget.
Best suited for:
- Gig workers, freelancers and contract workers
- Small business owners looking to pay for personalized coverage for their employees
- Newcomers to Canada
- Employees adding to their existing group benefits coverage
Leaving your workplace plan and losing your benefits?
You can get guaranteed acceptance for a wide range of coverage through FollowMe™—if you apply within 90 days of losing your group benefits.*
Best suited for:
- People who are retiring or recent retirees
- Workers who were let go or left by choice
- Young adults aging out of their parent’s group plan
Seeking guaranteed acceptance for medications you're taking?
Consider our health insurance plans for pre-existing health conditions. Get covered without any medical questions, even if you have a diagnosed illness.
Best suited for:
- People with a pre-existing condition or illness needing regular prescription drugs
- Employees who need more coverage than their group plan offers
- Anyone denied coverage due to their medical history
Concerned about the financial impact of a future illness?
Our Critical Illness plan offers support when the unexpected happens.
Best suited for:
- People who want a little extra financial support if they’re diagnosed with a covered critical illness**
- People seeking reassurance that their day-to-day expenses will be covered if they receive a critical illness diagnosis
See all Manulife CoverMe plans at a glance. Compare plans
Not sure which plan is right for you?
We can guide you.
Answer a few quick questions, and we’ll suggest a plan that best fits your needs. Or call 1-877-268-3763 to speak with one of our trusted Licensed Insurance Advisors.
Why choose Manulife CoverMe®?
Proudly Canadian
Helping protect Canadians
for over 135 years
Reliable Protection
Over $500 million in health and dental claims paid in the past 3 years
24/7 Virtual Care
Quick and easy access to online consultations through TELUS Health***
Want more information? Get a brochure.
Request your free brochure to explore comprehensive details about the features and benefits of all our individual plans.
Download a brochure
The Canadian Dental Care Plan (CDCP)
Find out if you qualify for the program and explore additional health-only plan options for more complete coverage.
Learn more
Health Insurance FAQs
Health insurance in Canada covers vision, dental, and medical expenses you may incur. Canadian residents have access to policies for basic medical services through their Provincial Health Plan. Supplemental plans cover expenses that your provincial plan may not. For example, Ontario Health Insurance Plan (OHIP) does not cover eyeglasses but Flexcare®, one of Manulife CoverMe®’s supplemental health and dental insurance plans, does (subject to maximums).
The price of coverage will vary depending on the plan and amount of coverage you pick.
You can explore the available plans and get a quote to learn more.
- Start by assessing the coverage you have through your government health care plan and any work benefits you have.
- Then, consider where you may be lacking coverage.
- Explore the available plans and compare them to your needs.
- When you find a plan that suits you, get a quote, and then complete the online application process.
Copay (short for copayment) is generally standard to most health insurance plans. A copay is a flat fee paid by the insured on some health care services such as doctors’ visits.
For example, the insured pays a flat $10 on prescriptions and insurance covers the remaining balance up to plan and annual maximums (maximum amount to be paid out by insurance provider in a year).
Manulife CoverMe® individual health and dental plans do not apply a copay, but do apply a co-insurance. Co-insurance is also an amount paid by the insured on health and dental claims expressed as a percentage not a flat fee.
You can have group benefits (provided to a group of members, most commonly by your employer) and an individual health insurance plan. However, you cannot have multiple Manulife CoverMe® individual health insurance plans.
Yes, insurance plans have plan maximums (maximum amount to be paid out by insurance provider for a specific plan).
Maximums vary depending on plan and specific services or items being covered. These maximums can be annual maximums (maximum amount to be paid out by insurance provider in a year) and/or lifetime maximums (maximum amount to be paid out by insurance provider during the lifetime of your policy and/or benefit).
Once your health insurance plan is maxed out the insurer will not reimburse future claims.
Dependents & Co-applicants FAQs
No, child support is not required to include health insurance. This is a personal decision.
Yes, marriage is a qualifying event (or a life event) for health insurance. Qualifying events include major events that make you eligible to change your plan outside of the period where you can sign up for or change your health insurance. A qualifying event also allows you to add or remove dependents from your policy.
Coverage only applies to immediate family in your household. A grandchild can only be added as a dependent if you have legal guardianship and they reside with you.
Stepchildren can be covered, however, this is supplemental (an accessory). Biological and adoptive children are covered as long you have legal guardianship. Family coverage (insurance policy that covers family members as well as the primary insured) does not cover members of your household if they are stepchildren.
This is a personal decision and may be beneficial to cover expenses your provincial plan may not. While it is a personal choice, newborns can be added to the policy within the first 30 days without medical underwriting (this is when medical or health information is used to evaluate coverage).
Plans vary depending on your coverage. Flexcare® and FollowMe™ customers can stay on their insurance up to the age of 21. Most group plans (insurance provided to a group of members, most commonly by your employer) cover children to the age of 21 if they are not in school, or up to age 25 if they are enrolled in a post-secondary program.
Provincial Health Coverage FAQs
Every province and territory has a different health insurance plan – check your health ministry's website for details.
If you're visiting another province or territory in Canada and need medically necessary care, your provincial health card will usually be accepted. Services are billed back to your home province through interprovincial agreements. However, some services may not be fully covered, and you could face out-of-pocket expenses for things like prescriptions or ambulance rides.
Manulife CoverMe® Flexcare® and FollowMe™ plans offer emergency travel medical benefits for out-of-province and out-of-country travel. These benefits can help cover expenses not fully covered by provincial health insurance. Always review your specific policy to understand your coverage in these situations.
Yes. While all provinces and territories provide basic coverage under the Canada Health Act, the details differ. For example, one province may cover more prescription drugs or offer broader mental health services than another. What’s included—and what’s not—can vary significantly.
When traveling within Canada, your home province typically covers the following costs:
- Physician services (such as visits to walk-in clinics)
- Services provided in public hospitals (including emergency, diagnostic, and laboratory services)
Coverage is determined by what your home province usually pays, and you must present a valid health card to receive these services.
Services that may not be covered outside your home province include:
- Ambulance services (including transport and paramedic services)
- Prescription medications and other drugs administered outside of a hospital - Home care services
- Fees charged by private hospitals or facilities
- Diagnostic or laboratory services that are not conducted within a public hospital
- Long-term care or residential services
- Assistive devices (such as prosthetics)
Provincial plans provide a strong foundation, but they don’t cover everything. Manulife CoverMe® health insurance can help fill the gaps, offering protection for dental care, prescriptions, vision care, and more. It’s a smart way to protect yourself from unexpected out-of-pocket costs.
Get insurance. Get healthy. Get rewards.
Add Manulife Vitality to your insurance to help you get healthier and get rewarded for it. Enjoy savings on your premiums, get an Apple Watch starting at $0, and unlock gift cards and discounts from your favourite brands — all while working toward better health.1
How's life with Manulife CoverMe®?
See how getting covered helped Gavin live life on his own terms.
Discover more
Explore expert insights on health care, dental, vision, travel, and more to help better guide your coverage decisions.
Health & Dental Insurance Explained
Health and dental plans that are easy to understand, buy and manage. Learn more
What’s covered and what’s not covered by provincial government’s health insurance plans
Prescription drugs, dental care and more are not covered under universal healthcare. Find out how private insurance can fill the gaps. Learn more
Virtual healthcare trends
Is virtual healthcare the way of the future? Explore now
*You can apply at any age and stay covered for as long as you want. Your coverage is guaranteed with no medical questions at the time of application when you apply and pay your first premium within 90 days of your employee benefits ending.
**Cancer, heart disease, stroke and more.
***Access to TELUS Health Virtual Care requires member portal registration and Manulife cannot guarantee this benefit indefinitely. TELUS Health Virtual Care is not available for Manulife CoverMe® Critical Illness Insurance. The Vitality Group Inc., in association with The Manufacturers Life Insurance Company, provides the Manulife Vitality program. Vitality is a trademark of Vitality Group International, Inc., and is used by The Manufacturers Life Insurance Company and its affiliates under license. Manulife, Manulife & Stylized M Design, and Stylized M Design are trademarks of The Manufacturers Life Insurance Company, and are used by it, The Vitality Group and its affiliates under license. PO Box 670, Stn Waterloo, Waterloo, ON N2J 4B8. Eligibility and availability of rewards are not guaranteed and may change over time. Insurance provided by The Manufacturers Life Insurance Company.
1Free Apple Watch refers to Apple Watch SE with $0 initial payment (plus tax) and $0 monthly payments earned by accumulating 500 Vitality Points through Standard or Active Workouts every month for 24 months. Initial payment does not include applicable taxes or upgrades which may include cellular models. Tax on initial payment is based on retail value of Apple Watch. Apple Watch Ultra 2, Apple Watch Series 10, and Apple Watch SE require iPhone Xs or later with iOS 18 or later. Wireless service plan required for cellular service. Contact your service provider for more details. Connection may vary based on network availability. Check apple.com/watch/cellular for participating wireless carriers and eligibility. See support.apple.com/en-us/HT207578 for additional setup instructions. Eligibility for specific rewards or participation in specific reward programs may vary. Apple Watch and iPhone service provider must be the same. The full value of the Apple Watch SE is $329, which is comprised of monthly payments of $13.70 per month over 24 months. The full value of the Apple Watch Series 10 is $549, comprised of an initial payment of $220 plus tax, then monthly payments of $13.70 per month over 24 months. The full value of the Apple Watch Ultra 2 is $1,099, comprised of an initial payment of $770 plus tax, then monthly payments of $13.70 per month over 24 months. Each monthly payment can be reduced to as little as $0 depending on how many Vitality Points you earn. Apple is not a participant in or sponsor of this promotion. Apple Watch is a trademark of Apple Inc. All rights reserved.