Health Track Insurance ®

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Lots of good reasons to choose this solution

  • Healthcare, drug, dental care and travel insurance
  • Coverage with or without dependents
  • No evidence of insurability required
  • Three coverage options

Take the next step with Health Track Insurance

If your group insurance is ending soon, you may want to extend coverage for you and your dependents. And you can! You and your dependents can get Health Track Insurance without having to submit evidence of insurability if you enrol within 60 days of when your group insurance ends.


Here's a snapshot of the benefits and services available. Coverage will depend on which option you choose.

This benefit covers certain eligible healthcare expenses that aren't covered by your provincial/territorial health plan, such as:

  • Hospitalization expenses
  • Paramedical services
  • Ambulance costs
  • Ortheses and prostheses
  • Diagnostic services
  • Detoxification*
  • Vision care*
  • Convalescent care*

* Available under the GOLD option only.

Eligible drugs* are drugs that can only be obtained with a prescription and that are purchased in your home province/territory. We reimburse up to 80% of the cost of the lowest-priced generic equivalent drug available on the market.

* In Quebec, eligible drugs are drugs that aren't covered by the RAMQ, regardless of the insured's age. Elsewhere in Canada, for insureds aged 65 and up, eligible drugs are drugs that do not appear on the drug formulary of the province of residence.

This insurance allows you to stay on top of your dental health. It covers:

  • Preventive services (exams, x-rays, etc.)
  • Basic services (restorative, endodontics, periodontics, etc.)
  • Major restorative services (removable prostheses, bridges, etc.)

Travel insurance covers 100% of eligible emergency expenses incurred due to an accident or illness that occurs during a trip outside your home province/territory, including:

  • Medical expenses
  • Transportation expenses
  • Living expenses, if your return is postponed

The coverage duration is 60, 90 or 180 days, depending on which option you choose.

Trip cancellation insurance reimburses prepaid expenses or certain additional expenses you have to cover if your trip has to be cancelled due to special circumstances such as:

  • Illness
  • Accident
  • Death

A wide range of services are available to help you make the most of your benefits:

  • A direct payment card you can use at the pharmacy or dentist's office
  • A secure site where you can manage your insurance and make certain claims online
  • A health assistance service
  • Travel assistance: a comprehensive program so you can leave with peace of mind
  • Convalescence assistance*

* Available under the GOLD option only.

Health Track Insurance offers 2 types of coverage (with or without dependents) and 3 coverage options:

BRONZE

Includes the following benefits:

  • Basic healthcare insurance
  • Travel insurance for trips of up to 60 days

SILVER

Includes the same benefits as the
BRONZE
option, plus:

  • Higher reimbursement maximums
  • Travel insurance for trips of up to 90 days

GOLD

Includes the same benefits as the
SILVER
option, plus:

  • Massage therapy
  • Treatment for alcoholism and drug addiction
  • Vision care
  • Convalescent care
  • Optional dental care*
  • Travel insurance for trips of up to 180 days
Comparison table

You can increase your coverage at any time, but only decrease it every 36 months or after a life event. You can cancel your dental care benefit only after 36 months or a life event. Once it has been cancelled, you may not re-enrol later. In all cases, the coverage increase or decrease will take effect and the new premium will be withdrawn on the first day of the month after your request is received.

* Dental care insurance is available only to plan members or their dependents who already had this benefit under their group insurance plan.

Health Track Insurance is available to you only if you are insured by a group insurance plan and meet the following eligibility requirements:

  • Your group insurance coverage is coming to an end
  • You have a healthcare insurance benefit under your existing plan
  • You submit your application within 60 days following the date your group plan ends
  • You are covered by your provincial medical and hospitalization insurance plan
  • You are a resident of Canada

To choose the GOLD option with optional dental care insurance, you must also meet these eligibility requirements:

  • Your group insurance must have ended within the last 60 days
  • You must have held dental care insurance under that plan

You can only apply for dental care insurance when you are submitting your initial Health Track Insurance application. It cannot be added after the policy comes into force.

Eligible and want to enrol? Here's how:

Step 1

Read the documents to find out more about the benefits and monthly premiums for each of the 3 options (GOLD, SILVER or BRONZE), and select your option.

Comparison table

Step 2

Fill out the insurance application and sign it to confirm your choice and authorize your payment method.

Download the application form

Step 3

Keep a paper copy of the signed and completed form for your records. Send the original to the address at the top of the form within 60 days of when your group insurance ends.

Once your application has been received, we'll send you your policy, your summary of benefits and your insurance certificate. You will then have 10 days to read the policy and cancel it.

The End of employment or retirement page summarizes the nature and conditions of Health Track Insurance. It has no contractual value. Plain language has been used to help explain the product.

Only the downloadable documents in the Enrollment section and your policy's Special conditions can be used to settle legal disputes. Some exclusions and restrictions apply.

Need help?
 
Get help or more information about this product
 
1-877-647-5235
 
Monday to Friday, from 8 a.m. to 5 p.m. (EST/CST/MST/PST)
 
groupservice@dfs.ca
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