For whatever’s next, we’ve got you covered. CAA has the right plans, at the right price.

$250,000

Excludes Vision Care, Accidental Death & Dismemberment and Hospital benefits.

Helps cover visits to Acupuncturists, Chiropractors, Osteopaths, Podiatrists, Registered Dietitians, Naturopaths, Chiropodists, Registered Massage Therapists, and Physiotherapists.

Maximum claims paid per each paramedical service:

Year 1 & 2: $300/year
Year 3+: $400/year

Maximum per visit: $20
Maximum/year for chiropractic x-rays: $35

Benefits are only payable after yearly maximum allowed under your provincial health insurance plan has been reached, if applicable.

Helps cover the cost of visits to Psychologists.

Maximum per first visit: $80
Maximum for subsequent visit: $60
Maximum visits/year: 10

Helps cover the cost of visits to Speech Therapists.

Maximum per first visit: $65
Maximum for subsequent visit: $40
Maximum visits/year: 10 (15 for Seniors)

Benefits are only payable after yearly maximum allowed under your provincial health insurance plan has been reached, if applicable.

Helps cover the cost of registered health professional services. *

The following items are included:

• Surgical bandages and dressings
• Purchase or rental of medically necessary equipment, such as:
  • crutches
  • hospital beds
  • non-electric wheelchairs
  • oxygen
  • artificial limbs, eyes, splints, casts and external breast prostheses following mastectomies

Maximum:

Year 1: $1,000 (Seniors: $1,100)
Year 2: $1,300 (Seniors: $1,500)
Year 3: $1,500 (Seniors: $1,700)
Year 4: $2,000 (Seniors: $2,500)
Year 5+: $3,000/year (Seniors: $3,500/year)

*Registered health professionals include: Registered Nurses, Registered Practical Nurses, Licensed Practical Nurses, Personal Support Workers, Occupational Therapists or Registered Dietitians.

Custom-made orthotics: $225 maximum per person per anniversary year.

Helps cover the costs toward the purchase of prescription lenses and frames, contact lenses or laser eye surgery. This benefit does not include industrial safety glasses.

Maximum per 2 years:

Year 1 & 2: $100
Year 3 & 4: $150
Year 5+: $200

Optometrist Visit (where not covered by government health insurance plan): $50 per 2 years

Helps cover the cost to purchase and/or repair.

Maximum for every 4 years:

Year 1-4: $400 (Seniors: $500)
Year 5+: $450 (Seniors: $600)

Helps cover the cost of dental treatment required as a result of an accidental blow to the head or mouth when treatment is sought within 90 days following the accident.

Maximum per year for natural teeth:

Year 1: $2,000
Year 2: $2,500
Year 3: $3,000
Year 4: $3,000
Year 5+: $3,500/year

Payment for a loss directly resulting from accidental bodily injury, including loss of life, where the loss occurs within a year of the date of the accident.

Maximum payment for adults:

Year 1: $10,000
Year 2: $15,000
Year 3: $15,000
Year 4: $20,000
Year 5+: $25,000

Maximum payment for children and Seniors:

Year 1+: $10,000
Year 5+: $10,000

Helps cover the cost of hospital trips in a licensed ambulance as well as charges up to the amount between what your provincial health plan covers and what is reasonable and customary.

Unlimited air and ground transportation

Benefits are only payable after yearly maximum allowed under your provincial health insurance plan has been reached, if applicable.

With Health Service Navigator (HSN), you can get quick and easy answers to your questions and gain access to support services on the web or with a simple call to a dedicated toll-free line. HSN allows you to receive information, and provides medical coordination services and resources on how to navigate the Canadian health care system. And if you want a second opinion from a world-class hospital, HSN will help you get it.*

* The insurer cannot guarantee the availability of this benefit indefinitely Covered.

Premiums will be waived for 1 year following the death of an adult Insured. This benefit will be available 1 year after the effective date* of the policy.

Covered.

*The date when insurance coverage begins.

Preferred hospital accommodation in excess of the standard ward room rate made by a general (acute care) hospital. Also included is a cash benefit in lieu of the room cost for each day you are not able to obtain preferred accommodation.

Unlimited semi-private or private room accommodation, up to a maximum of $150/day ($200/day for residents of Ontario).

$50 per day if a preferred room is not obtainable from first day (up to $1,200 per year).

Available with Drug 2 and Drug 3 plans.

$350,000

Excludes Vision Care, Accidental Death & Dismemberment and Hospital benefits.

Helps cover the cost of visits to Acupuncturists, Chiropractors, Osteopaths, Podiatrists, Registered Dietitians, Naturopaths, Chiropodists, Registered Massage Therapists, and Physiotherapists.

Combined yearly maximums of:

Year 1 & 2: $750
Year 3 & 4: $800
Year 5+: $850

Maximum/year for chiropractic x-rays: $35

Benefits are only payable after yearly maximum allowed under your provincial health insurance plan has been reached, if applicable.

Helps cover the cost of visits to Psychologists.

Maximum per first visit: $80
Maximum for subsequent visit: $60
Maximum visits/year: 12

Helps cover the cost of visits to Speech Therapists.

Maximum per first visit: $65
Maximum for subsequent visit: $40
Maximum visits/year: 12 (15 for Seniors)

Benefits are only payable after yearly maximum allowed under your provincial health insurance plan has been reached, if applicable.

Helps cover the cost of registered health professional services. *

The following items are included:

• Surgical bandages and dressings
• Purchase or rental of medically necessary equipment, such as:
  • crutches
  • hospital beds
  • non-electric wheelchairs
  • oxygen
  • artificial limbs, eyes, splints, casts and external breast prostheses following mastectomies

Combined yearly maximums of:

Year 1: $8,500 (Seniors: $9,000)
Year 2: $9,000 (Seniors: $9,500)
Year 3+: $9,500/year (Seniors: $10,000/year)

*Registered health professionals include: Registered Nurse, Registered Practical Nurse, Certified Home Support Worker, Occupational Therapist or Registered Dietitian

Custom-made orthotics: $225 maximum per person per anniversary year.

Helps cover the costs toward the purchase of prescription lenses and frames, contact lenses or laser eye surgery. This benefit does not include industrial safety glasses.

Maximum per 2 years:

Year 1 & 2: $300
Year 3 & 4: $350
Year 5+: $400

Optometrist Visit (where not covered by government health insurance plan): $50 per 2 years

Helps cover the cost to purchase and/or repair up to the allowed maximum.

Maximum for every 4 years:

Year 1-4: $500 (Seniors: $600)
Year 5+: $600 (Seniors: $700)

Helps cover dental treatment* required as a result of an accidental blow to the head or mouth when treatment is sought within 90 days following the accident.

Maximum per year for natural teeth:

Year 1: $2,000
Year 2: $2,500
Year 3: $3,000
Year 4: $3,000
Year 5+: $3,500/year

*Treatment must be sought within the 90-day period following the accident.

Payment for a loss directly resulting from accidental bodily injury, including loss of life, where the loss occurs within a year of the date of the accident.

Maximum payment for adults:

Year 1: $20,000
Year 2: $30,000
Year 3: $40,000
Year 4: $50,000
Year 5+: $75,000

Maximum payment for children and Seniors:

Year 1: $10,000
Year 2: $15,000
Year 3: $20,000
Year 4: $25,000
Year 5+: $37,500

Helps cover your hospital trip in a licensed ambulance as well as charges up to the amount between what your provincial health plan covers and what is reasonable and customary.

Unlimited air and ground transportation

Benefits are only payable after yearly maximum allowed under your provincial health insurance plan has been reached, if applicable.

Designed to get help to you when you need it. For people coping with medical problems at home and wanting to live more independent lives.

Covered - 2 years per lifetime

With Health Service Navigator (HSN), you can get quick and easy answers to your questions and gain access to support services on the web or with a simple call to a dedicated toll-free line. HSN allows you to receive information, and provides medical coordination services and resources on how to navigate the Canadian health care system. And if you want a second opinion from a world-class hospital, HSN will help you get it.*

* Manulife cannot guarantee its availability. Reasonable efforts will be made to provide a similar benefit if necessary.

Covered.

Premiums will be waived for 1 year following the death of an adult Insured.

Preferred hospital accommodation in excess of the standard ward room rate made by a general (acute care) hospital. Also included is a cash benefit in lieu of the room cost for each day you are not able to obtain preferred accommodation.

Unlimited semi-private or private room accommodation, up to a maximum of $150/day ($200/day for residents of Ontario).

$50 per day if a preferred room is not obtainable from first day (up to $1,200 per year).

Available with Drug 2 and Drug 3 plans.

Drug 1

Helps cover 70% of expenses for eligible generic drugs** to a maximum of $500/year:

* Smoking cessation drugs, over-the-counter drugs, erectile dysfunction drugs, birth control and/or fertility drugs, and drugs not requiring a prescription are not covered under Drug Plans 1 and 2.

** 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 can be made at the co-payment level of your plan.

Drug 1

100% coverage for eligible generic drugs** to a maximum of $400/year.

* Smoking cessation drugs, over-the-counter drugs, erectile dysfunction drugs, birth control, fertility drugs, and drugs not requiring a prescription are not covered under Drug Plans 1 and 2.

** 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.

Drug 1

$6.50 per prescription

Drug 2

Helps cover 75% of expenses for eligible generic drugs** to a maximum of $5,000/year

* Smoking cessation drugs, over-the-counter drugs, erectile dysfunction drugs, birth control and/or fertility drugs, and drugs not requiring a prescription are not covered under Drug Plans 1 and 2.

** 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 can be made at the co-payment level of your plan.

Drug 2

100% of the first $500 for eligible generic drugs**; 75% of the next $4,500

Total benefits payable: $3,875/year.

* Smoking cessation drugs, over-the-counter drugs, erectile dysfunction drugs, birth control, fertility drugs, and drugs not requiring a prescription are not covered under Drug Plan 1 and 2.

** 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.

Drug 2

Full coverage of reasonable and customary dispensing fees.

Drug 3

Helps cover 90% of expenses for eligible brand-name or generic drugs to a maximum of $10,000 per year:

* Smoking cessation drugs, over-the-counter drugs, erectile dysfunction drugs, and drugs not requiring a prescription are not covered.

Drug 3

100% of the first $500 for eligible generic drugs; 90% of the next $9,500.

Total benefits payable: $9,050/year.

* Smoking cessation drugs, over-the-counter drugs, erectile dysfunction drugs, and drugs not requiring a prescription are not covered.

Drug 3

Full coverage of reasonable and customary dispensing fees.

Dental 1

Helps cover basic services such as examinations, fillings and cleanings, x-rays, select extractions, diagnostic and preventative services, pit and fissure sealant, restorations, scaling and root planing.

Helps cover 70% of eligible expenses with anniversary year maximums of:

Year 1: $450
Year 2: $550
Year 3+: $700/year

Only available with Dental 2 and 3

Dental 2

Helps cover basic services such as examinations, fillings and cleanings, x-rays, select extractions, diagnostic and preventative services, pit and fissure sealant, restorations, scaling and root planing.

Helps cover 80% of eligible expenses with anniversary year maximums of:

Year 1: $650
Year 2: $700
Year 3+: $900/year

Dental 2

Helps covers the cost of oral surgery, endodontic services, periodontal services, adjunctive services, space maintainers, denture repair/reline/rebase/adjustments, anesthesia, and surgical services.

Helps cover 60% of eligible expenses, included in the total dental services (combined Ongoing Maintenance and Specialized) anniversary year maximums of:

Year 1: $650
Year 2: $700
Year 3+: $900/year

Dental 3

Helps cover the cost of basic services such as examinations, fillings and cleanings, x-rays, select extractions, diagnostic and preventative services, pit and fissure sealant, restorations, scaling and root planing.

Helps cover 80% of expenses in year 1 and subsequent years for Ongoing Maintenance services; for examinations, diagnostic services and scalings only, 80% in year 1 and 100% in subsequent years. Anniversary year maximums for combined total eligible dental services (Ongoing Maintenance, Specialized and Major Restorative) are:

Year 1: $800
Year 2: $900
Year 3+: $1,200/year

Dental 3

Helps cover the cost of oral surgery, endodontic services, periodontal services, adjunctive services, space maintainers, denture repair/reline/rebase/adjustments, anesthesia, and surgical services.

Helps cover 60% of expenses in years 1 and 2 and 80% of expenses in subsequent years. Anniversary year maximums for combined total eligible dental services (Ongoing Maintenance, Specialized and Major Restorative) are:

Year 1: $800
Year 2: $900
Year 3+: $1,200/year

Dental 3

Helps cover the cost of dentures (including premium dentures*), orthodontics, crowns (including bonded crowns*), and bridges.

Helps cover 60% of expenses beginning in 3rd year; included in anniversary year maximums for combined total eligible dental services (Ongoing Maintenance, Specialized and Major Restorative). In addition, Major Restorative has a maximum of $750 for every 3-year period.

* While premium dentures and crowns are eligible for reimbursement, the reimbursement amount will be based on the cost of standard dentures and crowns.