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Health & Dental Insurance for Costco members

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Why Health & Dental Insurance?

Experience the protection of Health & Dental Insurance with a range of different coverage options. Help cover the costs of medical expenses that may not be covered by your government health insurance plan with Health & Dental Insurance for Costco members.

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!

You get all these features and benefits at no extra cost:

  • Keep this coverage for life, regardless of whether your health changes after you become insured, as long as your premiums are paid.
  • The Survivor Benefit maintains your spouse’s and children’s coverage premium-free for one year following your death.
  • Get more when you purchase at Costco Wholesale. Increases are made to maximum benefit payable amounts when prescriptions are filled at the Costco Optical Centre or the Costco Hearing Aid Centre.

For an overview of all the plan benefits, download the Plan Comparison Chart.

Plan details

Help cover the costs of medical expenses that may not be covered by your government health insurance plan with Health & Dental Insurance for Costco members. Many common health care expenses may not be fully covered by your government health insurance plan, such as:

  • Prescription drugs
  • Glasses and contact lenses
  • Hearing aids
  • Registered specialists and therapists
  • Homecare and nursing

Health & Dental Insurance allows you to save money on health care costs that may not be covered by your government health care, such as dental care, hearing aids, physiotherapy and more.

  • You can keep this coverage for life, regardless of whether your health changes after you become insured, as long as your premiums are paid.
  • The Survivor Benefit maintains your spouse’s and children’s coverage premium-free for one year following your death.
  • TELUS Health Virtual Care provides unlimited 24/7 text and chat with doctors and nurse practitioners.1
  • Self-employed or a small business owner? If so, you can enjoy tax savings. A portion of your premiums may be deductible.2

Plus, you get more when you purchase at Costco Wholesale.

Increases are made to maximum benefit payable amounts when prescriptions are filled at the Costco Optical Centre or the Costco Hearing Aid Centre.

You qualify for Health & Dental Insurance for Costco members if:

  • You are a Costco member.
  • You are 18 or older.
  • You are a Canadian resident.
  • You have a valid government health insurance plan.
  • If you are a Quebec resident, you must also be registered under the RAMQ Prescription Drug Insurance Plan.

Pre-Existing Conditions

The insurer will not pay any Emergency Travel Medical Care Benefits for any claims relating directly or indirectly to a pre-existing condition that is not stable within the nine-month period immediately preceding the date of departure from the insured’s province/territory of residence. This means any condition, injury, illness, disease or related complication in relation to which:

  • An insured has had new symptoms, or existing symptoms have become more frequent or more severe, or there has been a test result showing deterioration;
  • A physician (or other medical professional) has prescribed or recommended a change in medication (the medication dosage or frequency has been reduced, increased, or stopped, and/or new medication has been prescribed) taken for that condition;
  • A physician (or other medical professional) has prescribed or recommended a change in treatment for that condition; or
  • There has been an admission to a hospital and/or results are awaited for further investigation for that condition during such nine-month period. This exclusion does not apply to minor ailments or a change in medication where the active ingredient and strength remain the same (i.e., generic).

Frequently asked questions

Once you receive your Policy, examine it carefully. If you are not satisfied, simply return your Policy to Manulife within 30 days and request that your coverage be cancelled. Your premiums will be refunded in full – no questions asked!

Your coverage generally starts on the 1st of the following month for health and dental plans that offer guaranteed acceptance, and the 1st of the month after your plan is approved for health and dental plans that require a medical questionnaire.

If your payment method of choice is either by credit card or Pre-Authorized Debit (PAD), and the credit card or account number shown on your Premium Notice is correct, you don't need to do anything. We will charge your premium payment to your account in the month in which your premium is due, and apply it to your coverage. If your Payment Method is by cheque, send a cheque for the full amount to us by the Anniversary Due Date. Your Premium Notice will include details of how you can pay.

You can upgrade by phone by calling one of our Licensed Insurance Advisors at 1-866-707-4922 from Monday to Friday 8am – 8pm ET.

You can change your Payment Method on-line. We have made it easy for you to pay your premiums by cheque, credit card, or directly from your chequing account by Pre-Authorized Debit (PAD).

You can change your address on-line at any time by completing our Address Change form.

If you ever wish to cancel your coverage, all you have to do is mail us a written notification bearing your signature. Your coverage will end beginning with the Payment Due date following the date on which we receive your cancellation request. If, within 30 days of first receiving your Policy or Certificate of Insurance, you return it to us along with your written and signed cancellation request, we will refund your premiums in full. In either case, please be aware that if you later choose to rejoin the plan, you must once again complete an application and meet the medical qualifications required of any new applicant. If you are unsure about cancelling your coverage, please contact us and we will try to help.

Our dedicated and informed Customer Service Representatives are available to answer your questions or assist you with this coverage Monday through Friday from 8am – 8pm ET. Simply phone us toll-free at 1-866-707-4922.

Please refer to our Contact us page for details. Please do not include any credit card account numbers in your email message to us.

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Contact us

For more information and to speak to a Licensed Insurance Advisor, call

1-866-707-4922
(Monday – Friday 8am – 8pm ET)

Or email am_info@manulife.ca

Ready to apply?

If you’re ready to lock in the coverage that works best for you – take the next step and get a quote for the coverage you need, then proceed to the application. It helps to have birth dates, provincial or territorial coverage, doctor and prescription information handy on everyone you would like to cover, like your spouse and children.

 Get a quote and apply

Our 30-day guarantee

If you are not satisfied with your coverage, simply return your insurance policy to Manulife within 30 days of receiving it, and any premiums paid for the coverage will be promptly refunded.3

1 TELUS Health Virtual Care is a trademark of TELUS Corporation, used by it and its affiliates under license. Manulife cannot guarantee the availability of this benefit indefinitely.

2 Contact the Canada Revenue Agency or seek the advice of a tax professional to confirm your eligibility for tax deductions.

3 The insured may, within thirty (30) days after receiving this policy, return it to the address below for cancellation. The policy will be considered never to have come into effect and any premium paid up to the end of the 30-day examination period will be refunded, less any claims paid. Where claims paid exceed premiums, the difference must be repaid to the insurer immediately. This right of cancellation expires thirty (30) days after the policy is received by the insured and does not apply to any reissued, substituted or consolidated policy continuing coverage that commenced under a previously issued policy. The rights of any beneficiary under the policy are subject to this right of cancellation.

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