For whatever’s next, we’ve got you covered. CAA has the right plans, at the right price.
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How our plans are built?
Option 1
EHC + Dental 2 An affordable option for those who seek dental protection.
Option 2
EHC + Dental 2 An affordable option for those who seek dental protection.
Option 2
EHC + Drug 1 + Dental 2 Great for basic prescriptions and enhanced dental services.
Option 3
EHC + Drug 2 + Dental 2 Providing you with the added protection you want.
EHC
All CAA plans start with Basic Extended Health Care (EHC) to help cover your basic health care-related expenses. You can then add on optional Drug and/or Dental coverage to help meet your needs. If you want more comprehensive coverage you can upgrade to Enhanced Extended Health Care (EEHC) (only available with Drug 3).
Drug
Adding on optional drug coverage will help cover the cost of many of your out-of-pocket expenses for prescription drugs and dispensing fees.
Dental
Adding on optional dental coverage can lower the number of dental expenses you’ll have to pay for out-of-pocket.
FollowMe Health
With FollowMe Health, you can maintain many of the same type of health benefits that you enjoyed under your group health plan period. Your acceptance is guaranteed – as long as you apply withing 60-days of your group coverage ending – and meet the eligibility requirements.
All four FollowMe plans include drug coverage. Two of the plans offer dental care coverage as well. Each plan also includes vision care, hospital accommodation and a wide variety of extended health care benefits, such as registered specialists and therapists, accidental dental, hearing aids, homecare and nursing, Health Service Navigator®, and more.
What's best for me
Single or newly married?
When you're just starting out, CAA insurance can help protect the financial well-being of you and your loved ones, your dreams for the future and the life you are building.
Product options:
Married, young family, own a home
As your financial obligations grow during these busy years, CAA insurance can help you protect your lifestyle, your home and the financial future of your growing family.
Married, children in college, mortgage
As you move through life and your assets grow, CAA insurance can help protect the dreams you have for your children and the lifestyle you've worked so hard to build.
Looking for guaranteed approval?
If you're having difficulty obtaining affordable coverage because of your age or health, CAA insurance can help give you and your loved ones an extra measure of security.
If you become seriously ill
If you are diagnosed with a serious health challenge, CAA insurance can help replace lost income, cover health care costs and protect your assets while you are recovering.
Product options:
Leaving a group plan?
If your group insurance coverage through your employer is ending, CAA insurance gives you an easy, convenient way to help ensure that your loved ones' financial protection will continue uninterrupted.
Product options:
Lifetime Maximum
$250,000
Excludes Vision Care, Accidental Death & Dismemberment and Hospital benefits.
Registered Specialists and Therapists
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.
Registered Specialists and Therapists - Psychologist
Helps cover the cost of visits to Psychologists.
Maximum per first visit: $80
Maximum for subsequent visit: $60
Maximum visits/year: 10
Registered Specialists and Therapists - Speech Therapist
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.
Homecare and Nursing, Prosthetic Appliances and Durable Medical Equipment
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.
Orthotics
Custom-made orthotics: $225 maximum per person per anniversary year.
Vision Care
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
Hearing Aids
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)
Accidental Dental Services
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
Accidental Death & Dismemberment
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
Ambulance Services
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.
Health Service Navigator®
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.
Survivor Benefit
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.
Hospital Benefits
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.
Lifetime Maximum
$350,000
Excludes Vision Care, Accidental Death & Dismemberment and Hospital benefits.
Registered Specialists and Therapists
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.
Registered Specialists and Therapists - Psychologist
Helps cover the cost of visits to Psychologists.
Maximum per first visit: $80
Maximum for subsequent visit: $60
Maximum visits/year: 12
Registered Specialists and Therapists - Speech Therapist
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.
Homecare and Nursing, Prosthetic Appliances and Durable Medical Equipment
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
Orthotics
Custom-made orthotics: $225 maximum per person per anniversary year.
Vision Care
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
Hearing Aids
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)
Accidental Dental Services
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.
Accidental Death & Dismemberment
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
Ambulance Services
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.
Lifeline®† Response Service
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
Health Service Navigator®
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.
Survivor Benefit
Premiums will be waived for 1 year following the death of an adult Insured.
Hospital Benefits
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.
Prescription Drugs - Drug Coverage*
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.
Prescription Drugs - Seniors' Drug Coverage*
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.
Prescription Drugs - Shared Dispensing Fee
Drug 1
$6.50 per prescription
Prescription Drugs - Drug Coverage*
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.
Prescription Drugs - Seniors' Drug Coverage*
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.
Prescription Drugs - Shared Dispensing Fee
Drug 2
Full coverage of reasonable and customary dispensing fees.
Prescription Drugs - Drug Coverage*
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.
Prescription Drugs - Seniors' Drug Coverage*
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.
Prescription Drugs - Shared Dispensing Fee
Drug 3
Full coverage of reasonable and customary dispensing fees.
Dental Services - Ongoing Maintenance
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
Dental Services - Specialized
Only available with Dental 2 and 3
Dental Services - Ongoing Maintenance
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 Services - Specialized
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 Services - Ongoing Maintenance
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 Services - Specialized
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 Services - Major Restorative
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.