Take advantage of health care savings for your whole family - at affordable rates.

Health & Dental Insurance

Many common health care expenses are not fully covered by your provincial health plan.

What is Health & Dental Insurance?

It allows you to save money on health care costs not covered by your provincial health care.

What's not normally covered by your provincial plan?

  • Prescription drugs
  • Glasses and contact lenses
  • Registered massage therapy
  • Homecare and nursing
  • Dental care
  • Hearing aids
  • Physiotherapy
  • And much more

We can help you save on these expenses

Just choose the Health & Dental Insurance for Costco members plan that best fits the needs of you and your family’s needs and budget. You’ll pay affordable members-only rates, and start saving on purchases covered by the plan.

Plus, Executive members save up to 5% on rates!

To get an estimated quote on each of these plans please click "Get a Quote" below.

expand all

Details STARTER
No medical questionnaire required
ESSENTIAL
Medical questionnaire required
ENHANCED
Medical questionnaire required
Generic vs. brand-name coverage Generic Generic Brand-name and generic
Dispensing fee
  • A $6.50 cap applies on dispensing fee for prescriptions not filled at Costco, subject to 70% co-payment.
  • Full coverage of reasonable and customary dispensing fees for prescriptions filled at Costco.
Full coverage of reasonable and customary dispensing fees. Full coverage of reasonable and customary dispensing fees.
Birth control and fertility drugs Not covered Not covered Covered
Percentage you'll be reimbursed per anniversary year Under age 65:
  • 70% of first $750 (shared dispensing fee inclusive)
Age 65 and beyond:
  • 100% of first $750
Under age 65:
  • 70% of first $750
  • 90% of next $4,972
Age 65 and beyond:
  • 100% of first $750
  • 90% of next $4,722
Under age 65:
  • 90% of first $2,222
  • 100% of next $8,000
Age 65 and beyond:
  • 100% of first $750
  • 90% of next $10,278
Anniversary year maximums (per person) Under age 65:
  • $525
Age 65 and beyond:
  • $750
For all ages: $5,000 For all ages: $10,000

Details STARTER
No medical questionnaire required
ESSENTIAL
Medical questionnaire required
ENHANCED
Medical questionnaire required
Covers basic services, paid a percentage of the current Dental Association Fee Schedule (or the reasonable and customary charge), in the insured’s province of residence. Dental coverage included under this plan. Optional coverage available Optional coverage available
Waiting Period None None None
Percentage you’ll be reimbursed for ongoing maintenance service: examinations, polishings, and select extractions - per person, per anniversary year.
  • 70% of first $500
Also includes adjunctive services, space maintainers, denture repair/reline/rebase/ adjustment and anesthesia
  • 80% of first $300
  • 50% of next $850

For examinations, diagnostic services and scaling only:

  • 100% of first $500
  • 60% of next $700

For all other maintenance services:

  • 90% of first $500
  • 60% of next $700
Anniversary year maximums (per person) $350 $665 $920
Recall visits 9 months (Recall exams, bitewing, X-rays, polishing and oral hygiene) 9 months (Recall exams, bitewing, X-rays, polishing and oral hygiene) 6 months
Reimbursement for extensive services including oral surgery, endodontics, periodontics. Not Covered Included in above maximum
  • Year 1 and 2: 60%
  • Year 3 and subsequent: 80%
Reimbursement for Major Restorative services including crowns, bridges, dentures and orthodontics. Not Covered Not Covered
  • Year 1 and 2: 0%
  • Year 3 and subsequent: 60%
Anniversary year maximums for the following seven services:
oral surgery, endodontics, periodontics, orthodontics, crowns, bridges and dentures.
Not Covered Not Covered
  • Year 1: $400
  • Total maximum for 3 consecutive benefit years: $1,250

Details STARTER
No medical questionnaire required
ESSENTIAL
Medical questionnaire required
ENHANCED
Medical questionnaire required
Coverage for prescription lenses, frames, contact lenses and laser eye surgery. $150 per 2 consecutive benefit years.
If frames or prescription lenses are purchased at a Costco Optical store, the above benefit maximum increases to $250.
$250 per 2 consecutive benefit years.
If frames or prescription lenses are purchased at a Costco Optical store, the above benefit maximum increases to $300.

Upgrade:
$500 per 3 consecutive benefit years.

Standard: $250 per 2 consecutive benefit years. If frames or prescription lenses are purchased at a Costco Optical store, the above benefit maximum increases to $300.

Waiting Period None None None
Percentage you’ll be reimbursed for optometrist visits, per benefit year.Benefits are only payable after yearly maximums allowed under your provincial health insurance plan have been reached, if applicable. 100% of 1 visit 100% of 1 visit 100% of 1 visit

Details STARTER
No medical questionnaire required
ESSENTIAL
Medical questionnaire required
ENHANCED
Medical questionnaire required
Accommodation in excess of the standard ward room rate for a general (acute care) hospital. Not covered Optional Hospital coverage available: Optional Hospital coverage available:
Type of accommodation Not Covered Semi-private Private and semi-private
Maximum charge per day Not Covered 100% during the first 30 days and 50% of the next 100 days per anniversary year. The reasonable and customary provincial room rates will be paid up to a maximum of $150 per day 100% of private and semi-private coverage per anniversary year up to a maximum of $200 per day.
Cash benefit in lieu of accommodation Not Covered $50 per day beginning on the 4th day of hospitalization, for a maximum of 30 days if a semi-private room is not obtained, to a maximum of $750 year. $75 per day beginning on the 4th day of hospitalization, for a maximum of 60 days if a semi-private room is not obtained, to a maximum of $3,000 per year.

Details STARTER
No medical questionnaire required
ESSENTIAL
Medical questionnaire required
ENHANCED
Medical questionnaire required
Covers emergency hospital/medical expenses while travelling outside your province of residence and access to a 24-hour worldwide medical assistance centre. Upgrade available
Maximum coverage $5,000,000 per covered person per trip $5,000,000 per covered person per trip $5,000,000 per covered person per trip
Deductible $100 per claim $100 per claim $100 per claim
Maximum trip length
Travel coverage may be limited or excluded for any illness or condition which first manifested itself within the consecutive 9-month period preceding the effective date of departure.
9 days 9 days Upgrade:
30 days
Standard:
9 days

Details STARTER
No medical questionnaire required
ESSENTIAL
Medical questionnaire required
ENHANCED
Medical questionnaire required
Lifetime maximum
  • $350,000
  • $400,000
  • $400,000
Registered Specialists & Therapists*
Includes visits to: Acupuncturists, Chiropractors, Osteopaths, Podiatrist, Naturopaths, Chiropodists and Registered Massage Therapists
  • Maximum claims paid:
    $400 per specialist/therapist
  • Maximum per visit: $20
  • Maximum visits per anniversary year: 20
  • Chiropractic X-rays: $35 per anniversary year
  • Maximum claims paid:
    $400 per specialist/therapist
  • Maximum per visit: $20
  • Maximum visits per anniversary year: 20
  • Chiropractic X-rays: $35 per anniversary year
  • Maximum claims paid:
    $400 per specialist/therapist
  • Maximum per visit: $20
  • Maximum visits per anniversary year: 20
  • Chiropractic X-rays: $35 per anniversary year
Registered Psychologists, Marriage & Family Therapists, Social Workers
  • Maximum per first visit: $80
  • Maximum per subsequent visit: $65
  • Maximum visits per anniversary year: 10
  • Maximum per first visit: $80
  • Maximum per subsequent visit: $65
  • Maximum visits per anniversary year: 10
  • Maximum per first visit: $80
  • Maximum per subsequent visit: $65
  • Maximum visits per anniversary year: 10
Speech Therapists*
  • Maximum per first visit: $65
  • Maximum per subsequent visit: $45
  • Maximum visits per anniversary year: 10 (15 visits from age 65 and beyond)
  • Maximum per first visit: $65
  • Maximum per subsequent visit: $45
  • Maximum visits per anniversary year: 10 (15 visits from age 65 and beyond)
  • Maximum per first visit: $65
  • Maximum per subsequent visit: $45
  • Maximum visits per anniversary year: 10 (15 visits from age 65 and beyond)
Physiotherapists*
*Benefits are only payable after yearly maximums allowed under your provincial health insurance plan have been reached, if applicable.
$250 per anniversary year $250 per anniversary year $250 per anniversary year
Hearing Aids - Covers the costs to purchase and repair up to the allowed maximum.
  • Under age 65:
    $400 per 4 consecutive benefit years
  • Age 65 and beyond:
    $500 per 4 consecutive benefit years
  • Under age 65:
    $400 per 4 consecutive benefit years
  • Age 65 and beyond:
    $500 per 4 consecutive benefit years
  • Under age 65:
    $400 per 4 consecutive benefit years
  • Age 65 and beyond:
    $500 per 4 consecutive benefit years
Homecare and Private Nursing, Prosthetic Appliances and Durable Medical EquipmentCovers the services of registered health professionals including Registered Nurse, Registered Practical Nurse, Registered Nursing Assistant, Healthcare Aide, Certified Home Support Worker, Occupational Therapist, or Registered Dietitian; includes surgical bandages and dressings and the purchase or rental of medically necessary equipment such as crutches, non-electric wheelchairs, hospital beds, oxygen and other equipment recommended by your physician and approved by Manulife. Also includes prosthetic appliances such as artificial limbs, eyes, splints, casts and breast prostheses following mastectomies. Payment will be coordinated where benefits are available through the Assistive Devices program.

For each of the 3 categories:

Under age 65:
Year 1 : $1,000
Year 2 : $1,300
Year 3 : $1,500
Year 4 : $1,700
Year 5+:$3,000

Age 65 and beyond:
Year 1 : $1,100
Year 2 : $1,500
Year 3 : $1,700
Year 4 : $2,000
Year 5+:$3,500

For each of the 3 categories:

Under age 65:
$3,000 maximum per anniversary year

Age 65 and beyond:
$3,500 maximum per anniversary year

For each of the 3 categories:

Under age 65:
$3,000 maximum per anniversary year

Age 65 and beyond:
$3,500 maximum per anniversary year

Custom-Made Orthotics $225 per anniversary year $225 per anniversary year $225 per anniversary year
Ambulance Services
Covers trips to hospitals in a licensed ambulance. Covers charges up to the amount between what your provincial health plan covers and what is reasonable and customary. Air ambulance is payable only after provincial health insurance plan maximum has been reached, if applicable.
Unlimited ground and air ambulance transportation Unlimited ground and air ambulance transportation Unlimited ground and air ambulance transportation
Accidental Dental
Covers dental treatment required as a result of an accidental blow to the head or mouth.Treatment must be sought within the 90-day period following the accident.
$2,000 per anniversary year $2,000 per anniversary year $2,000 per anniversary year
Lifeline® Response Service
Provides 24-hour monitoring service for people coping with medical problems at home.
6 months per 3 years 6 months per 3 years 6 months per 3 years
Health Service Navigator®
With Health Service Navigator, you and your eligible family members can receive information, medical coordination services and resources on how to navigate the Canadian health care system. For more information, visit www.manulifehealth.ca. Health Service Navigator is offered through The Manufacturers Life Insurance Company.
Included Included Included
Survivor Benefits
Allows covered family members to remain covered for 1 year, following the death of an adult policyholder.
Available after you’ve owned your policy for 1 year. Available after you’ve owned your policy for 1 year. Included as soon as your coverage begins.

NOTE: Conditions, exclusions, limitations may apply. Please read your policy carefully.