Manulife Flexcare® Health and Dental Insurance
Keep your health and dental insurance costs in check by buying only what you want. With Manulife Flexcare® plans, you can get health and dental coverage, enhanced with optional add-ons, or targeted protection in a specific area.
Health care around the clock with TELUS Virtual Care
Our Manulife CoverMe® Flexcare® plans include TELUS Health Virtual Care—a convenient, on-demand health service connecting you with qualified nurse and healthcare practitioners at no extra cost to you. Get help for common issues, including:
- The flu, colds, allergies and other respiratory challenges
- Prescription management, including refills
- Mental health and well-being support
And much more. You’ll get unlimited consultations through secure text and video chat 24/7, 365 days a year.*
Core plans
ComboPlus™ Starter Plan
Essential coverage
- Drugs - 80% of first $750 (up to $600 every year)
- Dental - 70% of first $575 (up to $400 every year)
- Paramedical – 50% coverage up to $300 every year per category
- Vision - $150 every 2 years
- Travel - $5 million in emergency health coverage for first 9 days of each trip
No medical questionnaire, at the time of application
Live a healthier life with Manulife Vitality.
ComboPlus™ Basic Plan
Extended coverage
- Drugs - 70% of first $750 and 90% of next $4,972 (up to $5,000 every year)
- Dental - 80% of first $400 and 50% of next $860 (up to $750 every year)
- Paramedical – 60% coverage up to $500 every year per category
- Vision - $250 every 2 years
- Travel - $5 million in emergency health coverage for first 9 days of each trip
Medical questionnaire required, at the time of application
Live a healthier life with Manulife Vitality.
ComboPlus™ Enhanced Plan
Comprehensive coverage
- Drugs - 90% of first $2,222 and 100% of next $8,000 (up to $10,000 every year)
- Dental - 100% of first $500 and 60% of next $700 (up to $920 every year)
- Paramedical – 80% coverage up to $500 every year per category
- Vision - $250 every 2 years
- Travel - $5 million in emergency health coverage for first 9 days of each trip
Medical questionnaire required, at the time of application
Live a healthier life with Manulife Vitality.
DentalPlus™ Basic Plan
Essential coverage
- Dental - Year 1: 50% of first $1,150 (up to $575 every year)
Year 2+: 80% of first $400 and 50% of next $860 (up to $750 every year) - Paramedical – 50% coverage up to $300 every year per category
- Vision - $250 every 2 years
- Travel - $5 million in emergency health coverage for first 9 days of each trip
No medical questionnaire, at the time of application
Live a healthier life with Manulife Vitality.
DentalPlus™ Enhanced Plan
Comprehensive coverage
- Dental - Year 1: 70% of first $1,200 (up to $840 every year)
Year 2+: 100% of first $500 and 60% of next $700 (up to $920 every year) - Paramedical – 50% coverage up to $300 every year per category
- Vision - $250 every 2 years
- Travel - $5 million in emergency health coverage for first 9 days of each trip
No medical questionnaire, at the time of application
Live a healthier life with Manulife Vitality.
DrugPlus™ Basic Plan
Essential coverage
- Drugs - 70% of first $750 and 90% of next $4,972 (up to $5,000 every year)
- Paramedical – 60% coverage up to $500 every year per category
- Vision - $250 every 2 years
- Travel - $5 million in emergency health coverage for first 9 days of each trip
Medical questionnaire required, at the time of application
Live a healthier life with Manulife Vitality.
DrugPlus™ Enhanced Plan
Comprehensive coverage
- Drugs - 90% of first $2,222 and 100% of next $8,000 (up to $10,000 every year)
- Paramedical – 80% coverage up to $500 every year per category
- Vision - $250 every 2 years
- Travel - $5 million in emergency health coverage for first 9 days of each trip
Medical questionnaire required, at the time of application
Live a healthier life with Manulife Vitality.
See all Manulife Flexcare® plans at a glance. Compare all plans
Standalone plans
Catastrophic – after you pay $4,500
- Medical questionnaire required, at the time of application
- Covers all drug costs after you pay $4,500 in a year
- This plan is not available to Quebec residents or to people age 65 and over
Catastrophic – after you pay $10,200
- Medical questionnaire required, at the time of application
- Covers all drug costs after you pay $10,200 in a year
- This plan is not available to Quebec residents or to people age 65 and over
Hospital Basic Plan
- Medical questionnaire required, at the time of application
- Covers a semi-private hospital room
Hospital Enhanced Plan
- Medical questionnaire required, at the time of application
- Covers a semi-private or private hospital room
Not sure which Manulife CoverMe® Flexcare® 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
Hassle-Free Claims
Get reimbursement on accepted claims within 3 business days**
Top questions about Manulife CoverMe® Flexcare®
Every province and territory has a different health insurance plan – check your health ministry's website for details – but most may not cover:
- Prescription drugs
- Dental checkups and treatment
- Vision care
- Semi-private or private hospital rooms
- Registered specialists and therapists such as: Acupuncturists, Chiropodists, Chiropractors, Naturopaths, Osteopaths, Physiotherapists, Podiatrists, Psychologists/Psychotherapists, Registered Massage Therapists, Speech Pathologists/Therapists
- Health-related products such as orthotics, hearing aids, prosthetics and medical equipment
- Health-related services such as ambulance, homecare and nursing, medical coordination and second medical opinions
- Emergency medical care for travellers
Supplemental health insurance can cover prescription drugs, dental cleaning and orthodontics, hospital room coverage, vision care and paramedical services etc. Supplemental health insurance covers medical treatments and supplies not in your provincial plan.
In order to purchase supplemental health insurance, you must:
- Be over the age of 18
- Have an active government health insurance plan (GHIP)
- Be a resident of your home province/territory
The choice of having private health insurance (also known as supplemental health insurance) is a personal one.
Supplemental health insurance helps cover unforeseen expenses (e.g. supplemental (added) costs of surgeries, medical consultations, dental and vision appointments, prescription drugs etc.) which are not covered by a government health insurance plan.
For example, a supplemental health insurance plan like Flexcare® can cover eye exams and other vision costs that may have previously been paid out of pocket.
Yes, immigrants to Canada can apply for health and dental insurance through Manulife CoverMe® Flexcare® plans, provided they meet certain eligibility criteria.
You do not need to be a Canadian citizen, but you must be a resident of Canada with valid provincial or territorial health coverage.
Flexcare® plans are a great option for newcomers looking to supplement their government health insurance with additional coverage for services like dental care, prescription drugs, and vision care.
Yes, health insurance premiums can be tax deductible for small businesses in Canada.
If you provide health and dental insurance to your employees, the premiums you pay may be considered a business expense and can typically be deducted from your business income. In most cases, these benefits are also non-taxable for employees.
It's a good idea to consult with a tax professional or accountant to understand how this applies to your specific situation and to ensure you’re meeting all CRA requirements.
Part-time employees are eligible for insurance plans. It is up to the discretion of the employer if there are group plans (plans provided to a group of members most commonly by your employer) available.
Part-time employees can purchase supplemental health insurance (covers costs above their provincial plan) as a top-up to their group plan.
Discover more
Explore expert insights to help you decide on a Flexcare® plan.
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
Health & Dental Insurance Explained
Health and dental plans that are easy to understand, buy and manage. Learn more
How to get health insurance when you have a pre-existing condition
It’s easy to get health insurance, even when you have an existing medical condition. Learn more
Flexcare® Plans Important Notice:
This is not a contract. Actual terms and conditions are detailed in the policy issued by Manulife upon final application approval and payment of any required premium. Conditions, limitations, and exclusions apply. See policy for details.
*Access to TELUS Health Virtual Care requires member portal registration and Manulife cannot guarantee this benefit indefinitely.
**As of March 31st 2025.
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.