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Health & Dental Insurance

When an unexpected illness or injure strikes, we’ll be there with coverage you can rely on. A diverse health insurance plan covers your day-to-day needs, so you can lean on us for the long-term.

Covering every inch of your health

Victor's Health & Dental Insurance is designed specifically for anyone over 50. 

Once enrolled, you’ll have access to valuable benefits at a reasonable cost – including coverage for prescription drugs, medical supplies, paramedical services and vision care.

Note: Victor Health & Dental Insurance is underwritten by The Manufacturers Life Insurance Company.

Our extra advantages

Annual Travel Insurance  can be added at little extra cost and both you and your spouse can enroll. Plus, so long as the premiums are paid, our coverage stays with you for life.

Plan benefits and eligibility

If your current health and dental benefits are about to end, there’s no time like now to get insured.

You’re eligible so long as you:

  • Had coverage under an employer-sponsored group insurance plan while employed
  • Are between the ages of 50-80
  • Are a Canadian resident and are currently covered under a government health plan

If you choose to enroll with us, you may also be eligible for our Annual Travel Insurance Plan. Click here for more information.

It makes sense to enroll as soon as your employer benefits stop:

  • If you enroll within 90 days of the termination of your employer-sponsored benefits, your acceptance is guaranteed. No medical questions will be asked
  • Enroll in the optional Victor Annual Travel Insurance Plan now. You only have one chance to enroll in the Victor Annual Travel Insurance Plan and that is when you are applying for a Health Insurance Plan. See Annual Travel Insurance for details
  • Acceptance in the Victor Annual Travel Insurance Plan is contingent on acceptance in the Health Insurance Plan

If you missed the 90-day guaranteed acceptance period, you can enroll up to age 80 (inclusive). Acceptance is subject to the completion of a medical questionnaire and approval by The Manufacturers Life Insurance Company.

For Health & Dental Insurance Plans, certain conditions, limitations and exclusions may apply. Please see policy for full details.

Hospital accommodation – up to $5,000 per calendar year  

This benefit pays the difference between the cost of ward and semi-private hospital accommodation while in Canada.

If you’re unable to get semi-private accommodation, the plan pays a benefit of $50 for each 24-hour period of ward hospitalization.

Prescription drugs and medicine – up to $1,800 per calendar year  

You’re covered for up to 90% of the combined cost of prescription drugs and dispensing fees with a written prescription from a physician or dentist and dispensed by a licensed pharmacist. Dispensing fees are limited to $7 per prescription. Medical marijuana coverage will be approved if a doctor authorizes it for a condition where there is evidence supporting its use, such as: stiffness and involuntary muscle spasms in people suffering from multiple sclerosis, nausea and vomiting in people undergoing chemotherapy, and chronic neuropathic pain. 

With your Manulife drug card, you can submit your claims online quickly and easily.

Orthopedic shoes – up to $200 per calendar year  

One pair of orthopedic shoes per calendar year is covered when prescribed by a physician or podiatrist.

Ambulance service – unlimited ground and air transportation per calendar year  

The plan pays the cost of professional ground or air ambulance transportation to a hospital.

Home nursing – up to $4,000 per calendar year  

The plan pays fees for private duty in-home registered nursing care when recommended by a physician.

Accidental dental – up to $10,000 per calendar year  

Within one year of the accident, the plan will pay the services of a dental surgeon for treatment of a fractured jaw or charges for repair or replacement of natural teeth due to an accidental external blow to the head.

Paramedical services – up to $400 per specialty per calendar year  

You can claim for fees incurred for visits to licensed practitioners. There is a $35 maximum per visit to a: chiropractor, physiotherapist, podiatrist, chiropodist, speech therapist, osteopath, naturopath, acupuncturist and registered massage therapist.

For chiropractors, the plan also pays a $15 maximum for one x-ray per calendar year. All paramedical fees are paid after you reach your government health plan limit.

Psychologist – up to $500 per calendar year  

The plan covers the fees of a clinical psychologist or psychotherapist for treatment/therapy recommended by a physician up to $50 per visit.

Hearing aids – up to $500 within any consecutive 36-month period

You can claim for the purchase or repair of prescribed hearing aids when initially required, or if required due to a change in prescription.

Diagnostic Services – one per calendar year  

The cost of one prostate specific antigen (PSA) test per calendar year is covered.

Medical supplies and prostheses – up to $5,000 per calendar year  

After reimbursement by any government plan, the plan will cover:

  • Ostomy and diabetic supplies
  • Glucometer (lifetime maximum of one up to $400)
  • Mastectomy brassieres (two per calendar year)
  • Wigs (lifetime maximum of $300)
  • Prescribed orthotic appliances ($300 per calendar year)
  • Oxygen
  • Diagnostic laboratory services and radiology treatments (x-rays and radium therapy)
  • Artificial limbs or eyes
  • Trusses
  • Wheelchairs (lifetime maximum of $2,500)
  • Hospital beds
  • Iron lungs
  • Braces, canes, walkers and crutches
  • Surgical stockings (four pairs per calendar year)
  • Continuous Positive Airway Pressure (CPAP) devices and supplies

Vision Care – Up to $250 within any consecutive 24-month period

The plan covers the cost of prescription lenses and frames, contact lenses and laser eye surgery.

Supplementary coverage is also included for expenses incurred (in excess of by any government health care plan) for one optometrist visit within any consecutive 24-month period.

This plan provides all the benefits included in the Health Insurance Plan, plus an extensive Dental Insurance Plan.

Dental Care – up to $1,500 per person a year for Basic and Major Restorative Services (combined)

Benefits paid are based on the current year’s Dental Association Fee Guide for your province/territory of residence.

Basic services

The plan covers 80% of the fee charged for the following services:

  • Dental x-rays
  • Minor restorative fillings
  • Preventative care, which includes routine examinations and cleanings to a maximum of one treatment every six months
  • Minor surgical benefits (includes extractions and oral surgical procedures)
  • Periodontics (treatment of gums and mouth tissue)
  • Endodontics (root canal therapy)
  • Denture work, which includes repairs, rebasing and relining
  • Consultation required by the attending dentist

Major restorative services

The plan covers 50% of the fee charged for the following services:

  • Inlays, onlays and crowns
  • Dentures and bridgework
  • Denture adjustments


If covered dental charges of more than $300 are to be incurred during any six-month period, prior approval must be obtained from The Manufacturers Life Insurance Company.

Maple Telemedicine Service – Get virtual care anytime, anywhere


Connect instantly with a Canadian-licensed general practitioner by mobile phone, tablet or computer, anytime, 24/7/365.

Just like your regular doctor, general practitioners on Maple can provide medical advice, diagnosis and treatment for many conditions such as chronic conditions, joint pain, UTIs, cold/flu, skin issues, eye/ear/bladder infections, and more.

Avoid waiting rooms, long journeys to the clinic and wasted time: receive care from the comfort of your own home, whenever you need it.

Visit for more details.


Review your policy right away

Once you have received your policy you will have 10 days to review it. If you are not completely satisfied, simply return it within that time for a full refund of premiums less any claims paid.

Survivor benefits

If you die while you and your spouse are both enrolled under a Victor Health Insurance Plan, your spouse may keep their insurance coverage as long as premium continues to be paid.

Premium would be reduced to the single coverage rate at the time Victor is notified of your death.


The following prescription drug expenses are not eligible:

  • Drugs prescribed for sexual dysfunction
  • Drugs prescribed for obesity control
  • Experimental drugs

The following dental services are not eligible:

  • Dental treatment that began before the effective date of your Victor plan
  • Fluoride treatments
  • Appliances, restorations or treatments related to temporomandibular (jaw) joint dysfunction
  • Dental implants

The following exclusions apply to all plans:

  • Services not listed as allowable expenses
  • Self-inflicted injuries
  • Expenses incurred outside Canada for Hospital and Physicians’ services
  • Anything resulting from war, terrorism or services in the Armed Forces
  • Cosmetic surgery or treatment unless required as the result of accidental injury
  • Charges for broken or missed appointments
  • Telephone advice
  • Fees or services covered by another insurance plan or government agency

Submit a claim

Whether you prefer traditional paperwork or digital platforms, manage your claims your way here.

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