FAQs

The VIKINGCARES Personal Health Plan is a product of Viking Benefit solutions. It offers Health, Dental and Travel Benefits for individuals who have retired, aged out of benefits, lost benefits, or are looking for additional coverage. 

If you currently have health benefits, or if your coverage ended within the last 90 days, you could join Viking Cares with guaranteed acceptance, no medical questions, and coverage for all pre-existing conditions. During this time, you may choose any plan level — Silver, Gold, or Platinum — with or without dental.

If it has been more than 90 days since your benefits ended, you may still be able to join during an Open Enrollment period. During Open Enrollment, enrollment is limited to the Silver plan, with or without dental.

Joining After 90 Days:
Members who join during Open Enrollment must remain in the Silver plan for a minimum of two years. After two full years of continuous coverage, members may choose to upgrade to the Gold or Platinum plan.

Yes. You may still enroll in the VikingCares Personal Health Plan during an open enrollment
period — there is no longer a 90-day application window.

To be eligible, you must:

• Be between ages 18 and 79
• Be covered by a Canadian provincial health plan
• Meet the plan’s standard eligibility requirements

No medical questions are required, and all pre-existing conditions are covered.

Please note:

Members who enroll during an open enrollment period are limited to the VikingCares Silver
Plan, with or without dental coverage. Coverage selected at enrollment must remain in place
for a minimum of two years before changes to plan level can be made.

You can use the VIKINGCARES Personal Health Plan as secondary coverage.

If you already have work benefits or another plan, Viking Cares can provide extra protection by topping up areas where your current plan may be limited — such as prescription drugs, paramedical services, dental, or travel coverage.

Your primary plan pays first, and Viking Cares can help cover the remaining eligible costs.

Yes. You can change plans, and all your pre-existing conditions will remain covered.

With Viking Cares, you’re never locked into the same plan for life. After you’ve been in your current plan tier (Silver, Gold, or Platinum) for two years, you can move up or down one tier based on your needs or budget. You can also add or remove dental at that time.

When you make a change, there are no medical questions, and all pre-existing conditions continue to be covered. Your coverage simply adjusts to the limits of your new plan tier.

Viking Cares Personal Health Plans may continue if you move to another province where Viking Benefit Solutions Inc. is licensed and VikingCares is available. Members should contact the office prior to moving to confirm availability.

Travel insurance is included with every VIKINGCARES Personal Health Plan — it is not an add-on and cannot be removed.

Here’s what you can expect:

Included Travel Coverage on Every Plan

• Silver & Gold & Platinum Plans:
  • 90 days of emergency travel coverage per trip
  • $5 million in coverage per trip (not lifetime)

No Stability Period — A Major Advantage

All plans now include travel coverage with no medical stability clause, regardless of age.

This means you are covered even if your health changes before your trip — a rare and valuable benefit.

Coverage to Age 80

• Travel benefits are included until your 80th birthday.
• If one spouse turns 80 and the other is younger, the younger spouse continues to receive full travel coverage until their 80th birthday.

Additional Coverage Options

If you need extended days, top-up coverage, or have special travel requirements, Viking can provide additional options. Just contact us before you leave your home province.

VIKINGCARES plans are designed to be simple and transparent — with no deductibles on any plan.

Some benefits include co-insurance and a standard waiting period for dental.

No Waiting Period on Health Benefits

All health benefits (prescriptions, paramedical, vision, travel, etc.) begin immediately on your selected start date.

If your coverage begins September 1st, you can use your health benefits on September 1st.

Dental claims are eligible from day 1

All new members have no waiting period before dental claims become eligible.

You can enroll in dental right away — claims are eligible from day 1.

Co-Insurance Applies to Certain Benefits
Prescription Drugs
Co-insurance depends on your plan tier:

• Silver: 80%
• Gold: 80%
• Platinum: 90%

Dental

• Basic Services: 80% coverage
• Major Services: 50% coverage

This means you pay the remaining balance after your co-insurance portion, with no deductibles and no hidden fees.

No Deductibles at All

There are no deductibles on any VIKINGCARES plan — for health or dental.

Once your coverage is active, the only out-of-pocket costs are your co-insurance portion (if applicable).

• $10,000 per year
• 90% coverage on eligible prescription drugs

• $5,000 per year
• 80% coverage on eligible prescription drugs

• $2,500 per year
• 80% coverage on eligible prescription drugs