Extended Health Care
Our group extended health insurance pays for eligible expenses not usually covered by government health insurance plans and includes comprehensive travel health coverage.
Coverage details
Prescription drugs
The prescription drugs benefit covers drugs, sera, injectables and compounds/mixtures with a drug identification number (DIN) that require a prescription from a physician, dentist or practitioner and are dispensed by a licensed pharmacist.
- $0 annual deductible
- 85% reimbursement of ingredient costs
- $3,400 annual maximum per person
- Reimbursement of government health insurance plan deductibles for prescription medications
- Sexual dysfunction treatments and diabetic supplies for glucometers and insulin pumps are included
- Option to arrange for a second 212-day drug supply if you’re taking an extended vacation
- Express Scripts Canada Pharmacy, an optional online pharmacy with 24/7 pharmacist access and free home delivery
Paramedical
Paramedical coverage includes non-surgical and surgical services. You don’t need a physician referral for services to be covered.
- 80% reimbursement
- $1,300 annual maximum per person for all practitioners combined
- Covers 18 practitioners: acupuncturist, chiropodist, chiropractor, Dietician, herbalist, homeopath, naturopath, nutritionist, occupational therapist, osteopath, physiotherapist, podiatrist, psychotherapist, registered clinical psychologist, registered massage therapist, shiatsu therapist, social worker, speech therapist
- Includes acupuncture and foot care services when provided by a registered nurse
- Reflexology services are eligible when performed by one of the covered paramedical practitioners within their scope of practice
Vision
Prescription glasses and contact lenses, laser eye surgery and corneal incision are included. Plus, support is available for vision training or remedial exercises not covered by government plans.
- 80% reimbursement
- $400 per person for prescription eyewear and laser surgery in any two consecutive years
- $150 per person for eye exams in any two consecutive years, and per calendar year for dependent children
- Cataract surgery expenses – eye measurement testing (IOL master) up to lifetime maximum of $200 per eye, and cataract lens and other eligible surgery expenses up to lifetime maximum of $400 per eye
- New eyewear required within 12 months of eye surgery to an additional lifetime limit of $400 per insured person
Aids and appliances
The plan covers the costs of aids and appliances prescribed by a physician. Government plans can help offset costs. Our claims team will review your quote to help you determine what will be covered so you understand expenses before making a purchase.
- 80% reimbursement
- Includes trusses, splints, braces, casts, crutches, canes, walkers, wheelchairs and hospital beds
- Covers artificial limbs or eyes and breast prosthesis, including three mastectomy bras per year
- $640 per year for wigs
- Medical supplies including $400 per person, per year for surgical stockings, $750 per person, per year for incontinence supplies and up to $200 per person every two consecutive calendar years for post-surgical comfort and convenience items
- $500 per person for custom-made orthopedic shoes every two consecutive calendar years
- $1,100 per person for purchase or repair of hearing aids every three successive calendar years
Diagnostic services
The coverage helps offset the costs of diagnostic lab tests, including screening tests, not covered by government plans.
- 80% reimbursement
- $250 annual maximum per person
Private duty nursing
The plan covers medically necessary out-of-hospital nursing services. Additional related coverage available through the hospital plan.
- 80% reimbursement
- $2,000 per person every two consecutive calendar years
Transportation
Medically necessary ground and air transportation to a hospital is covered.
- 80% reimbursement
- Includes one round trip per person per year for air transportation from your hospital to the nearest hospital able to provide treatment
Education programs
The plan covers certain education programs recommended by your healthcare provider.
- 80% reimbursement
- Includes medically-related program(s) recommended by a physician to an annual maximum of $200 per person
Accidental dental
The plan covers dental treatment required because of an accidental blow to natural or artificial teeth. Additional coverage available through the dental plan.
- 80% reimbursement
- Up to $1,000 per person per calendar year
Travel
Comprehensive travel medical and trip cancellation and interruption insurance is included at no additional cost.
- Up to $10 million per insured, per trip, for eligible medical emergency expenses
- Unlimited number of trips outside of your province or territory of residence of up to 93 days per trip
- Up to $6,000 per insured, per trip for eligible expenses in the event of a cancellation, interruption or delay of your trip due to one of the covered reasons
- Coverage may be available for an emergency caused by a pre-existing medical condition, provided the medical condition was stable during the 90 days prior to departure date or prior to the purchase of travel arrangements
You can supplement the travel coverage by purchasing additional days of coverage for trips exceeding 93 days or by purchasing extra trip cancellation/interruption coverage for a specific trip that exceeds $6,000 per insured by contacting us.
As of Jan. 1, 2026, the insurer for the Entente Plus Travel Plan and Supplemental Travel plans changes from belairdirect and RSA Canada to Canadian Premier Life Insurance Company and Canadian Premier General Insurance Company, operating collectively as Securian Canada. Securian Canada underwrites all Entente Plus plans.
Medical second opinion, health navigation and coaching services
As part of the Extended Health Care plan, you and your dependents have free access to Novus Health’s thorough resources and a team of health information specialists and nurse case managers who provide trusted guidance so you can make informed decisions about your care and the care of your loved ones.
Who can benefit
This service is designed for plan members and dependents who:
- Want a second opinion on a medical diagnosis or treatment plan
- Need help finding a family doctor, nurse practitioner or specialist
- Would benefit from health coaching to support a new or existing complex health condition
- Would like support understanding test results, treatment options or next steps
- Services are available online 24/7 or you can reach a health information specialist by phone Monday to Friday from 8 a.m. – 8 p.m. ET.
Virtual pharmacy
GreenShield Pharmacy™ is a convenient, integrated online pharmacy that lets you manage your prescriptions from home or anywhere in Canada.* This voluntary service is available to Extended Health Care plan participants and dependents under the Entente Plus Group Insurance Program.
- Higher reimbursements of the drug ingredient cost — 100% for generic drugs or 90% for eligible brand-name drugs**
- Free delivery of your prescriptions to anywhere you are in Canada*
- Personalized care from the privacy and comfort of your home — GreenShield pharmacists are available to discuss your medications or a dependent’s medications
- Pharmacists are available by phone or video chat Monday to Friday, 9 a.m. to 5 p.m. ET.
* Available through GreenShield Pharmacy™ partner Pharmacie Sonia Boutin inc., Medzy in Quebec.
**Not available in Quebec.
Travel top ups
You can add additional days to your trip or top up the amount you're covered for as needed.
Supplemental travel plan for extra days
You have travel insurance coverage for up to 93 days per insured, per trip through the extended health care plan. If you’re travelling for longer than 93 days outside your province or territory of residence, you can easily add coverage for extra days.
Plan details
- Customizable based on your needs – add five more days of coverage to extend trips up to 98 days or extend your coverage in 15-day blocks.
- Staying longer? Extend coverage while you’re already on vacation.
- Coming home early? Downgrade if needed, and you may receive a partial refund.
- Premiums are added to your regular monthly payment and deducted in equal monthly installments.
- The optional plan is subject to the benefits, conditions and exclusions.
Contact us with questions or to apply for the supplemental travel plan.
Increase trip cancellation and interruption coverage
The travel plan provided with your extended health care plan includes coverage for up to $6,000 per insured per trip for eligible expenses when you cancel, interrupt or delay your trip due to one of the covered reasons. You can supplement your existing coverage when your trip value exceeds $6,000 per insured to get coverage of up to $12,000 per insured for that specific trip.
The premium is a one-time payment based on the coverage level you need for a specific trip:
Single $42.32*
Couple $84.64*
Family $93.10*
*Retail tax will be added, if applicable in your province of residence.
Contact us with questions or to apply for the supplemental travel plan.
Easy claims process
Claims can be submitted by the practitioner and deposited directly in your bank account.
- Email notification of your claim payments
- Annual benefit statement and tax letter
- 24/7, secure, online access to claims and benefit information
Add more value for your members or employees
Facilitated enrollment process
Possibility to avoid medical questionnaires and offer easy transitions from existing group plans.
Coverage that makes sense
Single, couple or family coverage available. Plus, comprehensive travel insurance.
Reliable coverage
More than 100,000 Canadians benefit from our plans.
Interested in exploring group insurance for your members or employees?
