Flexcare® Health and Dental Insurance

Keep your health and dental insurance costs in check by buying only what you need. With Flexcare® plans, you can get health and dental coverage, enhanced with optional add-ons, or targeted protection in a specific area.

Get a recommendation Ready to start or complete your application? Apply

If you don't have a health and dental plan or are looking for a new one, start with one of three core plans and then build in any extra protection you need with add-ons.

If you have a plan but it doesn't cover semi-private/private hospital rooms or catastrophic drug costs*, choose one or two standalone plans.


Are you looking at the right plan? Check your age and province/territory.

Core plans

See all Flexcare® plans at a glance. Compare all plans


Standalone plans

 

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.

*Catastrophic coverage is not available in Quebec or to persons age 65 and over.

 

Would you like a brochure?

We'll send one out to you right away.

Yes, please!

Earn Air Miles® with your plan

Get reward miles when you get a quote

Get reward miles when you buy a plan

Get reward miles every 6 months you have a plan

Learn more

Top 5 questions about Flexcare®


If your claim form is complete and accurate, you will generally receive payment within six business days. When information is missing, we may have to return the claim form to you. This delays processing and payment.


First, check to see if your provider has already submitted your claim. Often, you don't have to submit a claim because many hospitals, pharmacies and dentists can submit your claim directly to us. There's no online form or paperwork for you, and you only pay the amount your plan doesn't cover.

If your provider hasn't already submitted your claim, you can submit your claim online or on paper by mail.

Submit your claim online:

  • Within 12 months of the date you were charged
  • After you've paid more than any deductible in your plan
  • Specify the currency if your claim is for services outside Canada
  • Hold onto original receipts and applicable supporting documentation for 12 months

Submit your claim on paper by mail:

  • Within 12 months of the date you were charged
  • After you've paid more than any deductible in your plan
  • Specify the currency if your claim is for services outside Canada
  • Include original receipts and applicable supporting documentation
  • Make sure you've signed your claim form
  • Extended health claim form – for all covered expenses except dental expenses
  • Dental benefit claim form – must be completed by your dentist or dental specialist

For FlexCare Customers
If you're in Canada or the United States, call our Assistance Centre at 1-800-805-1008. Outside of Canada or the United States, call collect at 1-519-251-7298.

For Follow Me Customers
If you're in Canada or the United States, call our Assistance Centre at 1-855-857-5919. Outside of Canada or the United States, call collect at 1-519-251-1570.


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

Our health and dental plans that offer guaranteed acceptance, including the Flexcare® ComboPlusTM Starter Plan and all four FollowMeTM plans for people whose group benefits are ending, cover eligible pre-existing conditions and eligible current medications. Our other health and dental plans only cover new medications. Refer to your policy for more details.

See all questions

Discover more