Alumni Health & Dental Insurance

Lock in member-only rates by March 31st.*
Get a quote
Smile brighter through life's ups and downs.
Get a quote
See clearer through life's ups and downs.
Get a quote
Feel stronger through life's ups and downs.
Get a quote

Life is full of ups and downs, but with Alumni Health & Dental Insurance, you can embrace every moment with confidence. In just two simple steps, you can receive a real-time quote and select from four affordable and comprehensive plan options that cater to your unique needs. Plus, your coverage comes with a 30-day satisfaction guarantee1!

Nearing retirement or losing your work benefits? Get guaranteed acceptance (when you apply within 90 days of your work coverage ending)2 with ​​FollowMe™ Health & Dental Insurance.

Enjoy coverage for:
  • Dental care
  • Vision care
  • Prescription drugs
  • Massage therapy
  • Mental health support
  • Travel emergency medical care

Lock in your member-only rates for a full year!

Apply by March 31, 2025.*

Quote calculator

Find the plan that’s right for you.

Premiums displayed are monthly.

Base Plan

All the basic extended health care benefits, with slightly lower coverage amounts than our other plans. Plus – it’s guaranteed coverage!1

$00.00

Bronze Plan

All the basics of health and dental insurance, with higher allowances than the Base Plan in many cases – including increased travel medical coverage.

$00.00

Silver Plan

Includes coverage you won't find in the Base or Bronze Plans, such as hospital benefits.

$00.00

Gold Plan

All the coverage you'll find in our other plans – with increased coverage amounts that can help put more money back in your pocket! Also includes coverage for orthodontics.3

$00.00
Want to save this quote?
Email it to yourself!
Your email address will only be used for the purpose of sending you your quote.

Ready to apply?

Choose your school now
Apply
Arrow Icon View full coverage details
Arrow Icon Download application

Plan Details

What’s Covered

If you’re a Canadian citizen, you have access to a government health plan. But that may not cover everything – and health care costs are on the rise.4
With Manulife’s Alumni Health & Dental Insurance, you can save on many of thecosts that maynot be covered by your government health plan.

Choose from eight affordable insurance plans to save on these costs and more:

  • Prescription drugs
  • Vision care
  • Physiotherapy
  • Travel medical
  • Dental care
  • Hearing aids
  • Massage therapy
  • Homecare
What's excluded

Certain expenses are not eligible for coverage under the Alumni Health and Dental Plans. See the Policy for all terms and conditions.
Your coverage shall remain in force from month to month provided that the required premiums are paid when due. Coverage shall terminate at the end of the last month for which premium payment was made to and accepted by the insurer, in which case no notice shall be required.

The insurer reserves the right to change premiums required based on its payment of benefits experience, or to alter the benefits consistent with a change in the government health insurance plan, or for any other reason. You may apply to increase coverage at any time, if evidence of health satisfactory to the insurer is submitted along with a written application for the change in coverage. If you wish to reduce benefits you must have been covered under the existing benefits for a period of at least twelve (12) consecutive months prior to the requested date. You may change from single to couple or family coverage at any time by submitting a written application and medical evidence (if such evidence is required) for the dependant(s) to be added. Upon approval, coverage will become effective on a date to be determined by the insurer.

Eligibility

You are eligible to apply if:

  • You are an alumni member or their spouse
  • You are a Canadian resident
  • You are enrolled in a government health plan

Quebec residents only: Residents of Quebec must be registered under the RAMQ Prescription Drug Insurance Plan or enrolled under a group plan. This policy will top up the basic drug plan coverage mandated by Quebec’s health insurance.
Note: Residents of Quebec can no longer apply for coverage online. To apply, please call a licensed insurance advisor at the number below

All those insured under your policy must maintain the same coverage.

You might also be interested in...

What is preventative health care?

Ways to be proactive about your health...
Read more

Tooth or consequences

Skipping the dentist’s office could land you in the doctor’s office...
Read more

Prevention and mental health

The importance of watching for symptoms...
Read more

Alumni Term Life Insurance

Want protection for
life's ups & downs?

Start your personalized quote with the Alumni Term Life Calculator.

Learn more
Where will better take you™
Base Plan Bronze Plan Silver Plan Gold Plan
Dental Services
Reimbursement on exams, cleanings, fillings, scaling, polishing, root planing, diagnostic, and select extractions 70% 70% 80% 80%
Reimbursement on extensive services including endodontics, periodontics and denture repairs 70% 70% 80% 80%
Reimbursement on crowns, bridges, dentures and orthodontics n/a n/a n/a Year 1 & 2: 0%; Year 3 & beyond: 60% ($800 maximum every 2 consecutive years)
Anniversary year maximums $400 per year $500 per year Year 1: $600; Year 2 & beyond: $900 Year 1: $750; Year 2: $1,000; Year 3: $1,200; Year 4: $1,200; Year 5 & beyond: $1,500
Recall visits 9 months 9 months 9 months 6 months
Prescription Drugs
Prescription drug coverage applies to costs not covered by your provincial prescription drug insurance plan, up to the maximums stated below. For Quebec residents, prescription drug coverage available under this plan is limited to costs not covered by the RAMQ Prescription Drug Insurance Plan. It is not intended to be a replacement for the RAMQ Plan. In order to be eligible for coverage under this plan, you must have a provincial health card and be registered under the RAMQ Prescription Drug Insurance Plan, or have equivalent coverage under a group plan.
Generic‡ vs brand-name coverage Generic Generic Generic Brand-name
Shared dispensing fee $6.50 maximum $6.50 maximum $7.50 maximum Covered
Birth control and fertility drugs Birth control only Birth control only Birth control only Birth control only
Reimbursement on first amount per anniversary year‡‡ 70% of first $750 70% of first $500 70% of first $500 90% of first $2,222
Reimbursement on next amount per anniversary year‡‡ n/a 80% of next $2,500 100% of next $4,650 100% of next $8,000
Maximum per anniversary year‡‡ $525 $2,350 $5,000 $10,000
Other Benefits
Vision Care – Covers the costs towards prescription lenses and frames and/or contact lenses. This benefit does not include industrial safety glasses.
Maximums $100 per 2 benefit years plus $60 for Optometrist visits per 2 benefit years $100 per 2 benefit years plus $60 for Optometrist visits per 2 benefit years $150 per 2 benefit years plus $60 for Optometrist visits per 2 benefit years $250 per 2 benefit years plus $60 for Optometrist visits per 2 benefit years
Travel Coverage (coverage ceases at age 65) - Covers emergency hospital/medical expenses while travelling outside your province or territory of residence and access to a 24-hour worldwide medical assistance centre, up to a maximum of $5,000,000 per trip.
Number of trips per year Unlimited Unlimited Unlimited Unlimited
Maximum trip length 5 days 9 days 17 days 30 days
Survivor Benefit – Provides continuous coverage for 1 year, following the death of an adult insured Available 1 year after policy effective date Included Included Included
Registered Specialists & Therapists† – Includes visits to Acupuncturists, Chiropractors, Osteopaths, Podiatrists, Dietitians, Naturopaths, Chiropodists, Registered Massage Therapists, Physiotherapists, Psychologists, Social Workers and Speech Therapists.
Maximum claims paid $500 combined for all specialists/therapists $750 combined for all specialists/therapists $1,000 combined for all specialists/therapists $1,500 combined for all specialists/therapists
Per visit maximum $25 n/a n/a n/a
Chiropractic X-rays $35 per year $35 per year $35 per year $35 per year
Psychologist/Psychotherapist/Social Worker
Maximum per first visit $80 $80 $80 $80
Maximum per subsequent visit $65 $65 $65 $65
Maximum visits per year 10 10 12 15
Speech Therapist
Maximum per first visit $65 $65 $65 $65
Maximum per subsequent visit $45 $45 $45 $45
Maximum visits per year 10 10 12 15
Lifeline® Personal Response Service – Provides 24-hour monitoring service for people coping with medical problems at home.
Maximums 3 months per lifetime 3 months per lifetime 6 months per lifetime 6 months per 3-year period
Core Benefits
Hearing Aids – Covers the cost to purchase and/or repair up to the allowed maximum. $300 per 4-year period $300 per 4-year period $400 per 4-year period $500 per 4-year period
Ambulance Services Unlimited ground and air transport Unlimited ground and air transport Unlimited ground and air transport Unlimited ground and air transport
Lifetime Extended Health Care Maximum $100,000 $250,000 $350,000 $350,000
Premiums displayed are monthly. $ 00.00 $ 00.00 $ 00.00 $ 00.00
Ready to apply?
Choose your school now.
Apply
Want to save this quote?
Email it to yourself!

‡ Generic Drug - A generally less expensive alternative to an interchangeable brand-name drug product. Please note: Not all drugs have a generic equivalent. If a non-generic drug is purchased, payment will be based on the lowest generic drug cost equivalent, if applicable. If no generic brand exists, payment of the brand-name price will be made at the co-payment level of your plan.

‡‡ Anniversary Year refers to each successive 12-month period following the effective date of your policy. For residents of British Columbia, Saskatchewan, and Québec, it is based on calendar year. Calendar Year means each successive 12-month period commencing January 1 and ending December 31.

† Benefits are only payable after yearly maximums allowed under your provincial health insurance plan have been reached, if applicable.

Which plan is right for you?
Help us find the right plan for you by answering
these 4 quick questions.
Is guaranteed acceptance (no medical underwriting) important to you?
How often do you require prescription drugs?
How many times a year do you visit the dentist?
How many times a year do you visit a massage therapist?
Based on your needs, we recommend the
FAQs
What is health insurance?

Health insurance covers vision, dental and medical expenses you may incur. Canadian residents have access to coverage for basic medical services through their government health plan. Supplemental health insurance plans cover expenses your government plan may not. For example, Ontario Health Insurance Plan (OHIP) does not cover eyeglasses but Alumni Health and Dental Insurance and FollowMe™ Health plans do.

I have other financial priorities. Why should Health and Dental coverage be one of them?

Without health and dental coverage, routine and unexpected health and dental expenses can be very costly. If you have a serious illness or injury, you can be especially vulnerable because government health insurance plans offer limited coverage for expenses. Health and dental coverage is an affordable way to protect your savings.

Who is eligible for Alumni Health and Dental Plans?

To get health insurance, you must meet the following requirements:

  • be a resident of Canada
  • have coverage under your government health insurance plan
  • be at least 18 years of age on the date of application for the policy, except for children of an insured person
  • Quebec residents must also be registered under the RAMQ Prescription Drug Insurance Plan or have equivalent coverage under a group plan

Note: If the plan is medically necessary or requires a medical questionnaire, you must disclose any medical condition, injury or illness that occurred or existed on or before the date of your application, regardless of whether you went to see a doctor about the condition or were given a diagnosis, or whether you believe that it is important.

When will my coverage begin?

Your coverage generally starts on the 1st of the following month for health and dental plans that offer guaranteed acceptance, and the 1st of the month after your plan is approved for health and dental plans that require a medical questionnaire.

What if I change my mind after applying for coverage?

Once you receive your Policy, examine it carefully. If you are not satisfied, simply return your Policy to Manulife within 30 days and request that your coverage be cancelled. Your premiums will be refunded in full – no questions asked!

How long do I have to submit a claim?

You have 12 months from the date you were charged for a health and dental service to submit your claim for reimbursement.

When do I need an estimate for other health and dental services?

When a proposed course of treatment is expected to cost more than $500. Get an estimate by sending us the dental benefit claim form for assessment before the procedure is done. Ask your dentist to outline the proposed treatment plan and to include x-rays if available. We will let you know how much your plan will cover.

How do I cancel my coverage?

If you ever wish to cancel your coverage, all you have to do is mail us a written notification bearing your signature. Your coverage will end beginning with the payment due date following the date on which we receive your cancellation request. If, within 30 days of first receiving your Policy or Certificate of Insurance, you return it to us along with your written and signed cancellation request, we will refund your premiums in full. In either case, please be aware that if you later choose to rejoin the plan, you must once again complete an application and meet the medical qualifications required of any new applicant. If you are unsure about cancelling your coverage, please contact us and we will try to help.

Your quote has been sent.
Thank you.