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Medical Services and Supplies Coverage | Active Plan

This benefit provides coverage for essential medical services and supplies to support your health needs.

Medical Services Coverage


Ambulance & Transportation: Covers transportation to the nearest hospital for essential treatment.


Chronic Care: Provides up to $25 per day for care in a hospital, nursing home, or by a nurse at home, for conditions unlikely to improve or worsen in the next 12 months.


Hospital Accommodation: Covers private room and board, including government-authorized co-payments for accommodation in a nursing home when treatment is acute, convalescent, or palliative. For out-of-province accommodation, any difference between the hospital's standard ward rate and the government-authorized allowance in your home province is also covered. The plan also covers the hospital facility fee related to dental surgery and any out-of-province hospital outpatient charges not covered by the government health plan in your home province.


Nursing Home: Nursing Home: An institution that offers in-patient accommodation, has a staff of one or more physicians available at all times and provides continuous 24-hour care under the supervision of professional nurses. Residences established primarily for senior citizens or which provide personal rather than medical care are not covered.


Nursing Care: Covers home nursing and private duty nursing services from a registered or licensed practical nurse in Canada. No benefits are paid for services provided by a family member or for services which don't require the skills of a registered or practical nurse. Apply for a pre-care assessment before home nursing begins.


Injury Treatment for Natural Teeth: Covers treatment for accidental injury to sound natural teeth when started within 60 days and completed within 12 months. Orthodontic services, and temporary, duplicate or incomplete procedures, are not covered.


Medical Supplies Coverage


Diabetic Supplies:

  • Flash Glucose Machines

  • Blood Glucose Monitoring Machines: Lifetime maximum of $250

  • Continuous Glucose Monitors: Up to $4,000 per calendar year.

  • Insulin Pumps: Full reimbursement for the initial purchase, and $5,000 every three years for replacements.


Hearing and Speech Aids:

  • Hearing Aids: Up to $2,000 every 60 months (excluding accessories). Replacement is covered only when the hearing aids can't be repaired.

  • Speech Aids: Up to $4,000 every five calendar years.


Breathing Equipment:

  • Covers oxygen and breathing machines like CPAP machines and dental sleep apnea devices (limited to one device every five years).

  • Intermittent positive pressure breathing machines.

  • Apnea monitors for respiratory dysrhythmias.


Orthopedic Equipment:

  • Includes braces, custom-made foot orthotics, orthopedic shoes, and cervical collars.

  • Orthotics and orthopedic shoes are covered up to $300 for children under 20 and $500 for others.

  • Casts and splints, external electrospinal stimulators for the correction of scoliosis, and non-union bone stimulators.


Prosthetic Equipment:

  • Covers artificial eyes, standard artificial limbs, external breast prostheses (once per year), and surgical brassieres (four per lifetime).

  • Stump socks and shoulder harnesses, with stump socks up to $250 per calendar year.


Mobility Aids:

Includes canes, walkers, crutches, wheelchairs, mechanical patient lifters (one lifter every 5 years, up to $2,000), and outdoor wheelchair ramps (up to $2,000 per lifetime).


Other Medical Supplies:

Covers hospital beds, bed rails, trapeze bars and traction apparatus, colostomy and ileostomy supplies, catheters, transcutaneous nerve stimulators, custom-made pressure supports for lymphedema, compression hose (up to 2 pairs per year), custom-made burn garments, elevated toilet seats, shower chairs, bathtub rails and standard commodes, wigs for cancer patients undergoing chemotherapy ($500 per lifetime), blood pressure monitors, heart monitors, and cardiac screeners.


Smoking Cessation:

Up to $1,500 per calendar year for cessation products.


Benefits of Film covers a variety of paramedical services and supplies provided by licensed and qualified professionals. For first-time use of a practitioner, contact Canada Life to confirm coverage.



Paramedical Services


Coverage: $700 per Person, Per Calendar Year, Per Specialty for:


  • Acupuncturist

  • Chiropractor

  • Kinesiologist

  • Massage Therapist

  • Naturopath

  • Osteopath (excluding diagnostic x-rays)

  • Physiotherapist/Occupational Therapist (combined limit)

  • Podiatrist (including surgery, excluding diagnostic x-rays)

  • Speech Therapist



$5,000 Combined Maximum, Per Person, Per Calendar Year for:


  • Counsellor (Certified or Clinical)

  • Psychologist

  • Social Worker

  • Psychotherapists (Registered, Licensed, Psychotherapist, Counselling Psychotherapist, Psychoeducator)

  • Counsellors (Licensed, Canadian Certified, Certified Clinical, Registered, Registered Professional, Registered Clinical, Registered Therapeutic, Clinical, Certified)

  • Clinical Therapist and Counselling Therapist

  • Mental Health Therapist

  • Marriage and Family Therapist

  • Psychoanalyst

  • Sexologist



*Note: Refer to the booklets for detailed information, exceptions, and conditions for availing these benefits.

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