OUR PLANS
VikingCares Personal Health Plans are designed for individuals, families, self-employed Canadians, and retirees. Simple, dependable coverage without unnecessary complexity.
Plan Designs
Choose from three thoughtfully designed plan options — Silver, Gold, and Platinum — providing dependable health, dental, and travel coverage. Whether you are retired, self-employed, between jobs, or simply looking for additional coverage, VikingCares has a plan to fit your needs and budget.
Optional dental coverage is available as an add-on with every plan.
Direct billing available. Covered per calendar year. No age limit.
| Silver | Gold | Platinum | |
|---|---|---|---|
| Maximum Dispensing Fee | No | No | No |
| Coinsurance | 80% | 80% | 90% |
| Diabetic Supplies | Covered 80% | Covered 80% | Covered 90% |
| Annual Maximum | $2,500 | $5,000 | $10,000 |
100% Coinsurance (Reasonable & Customary). No age limit.
Includes: Acupuncturist, Audiologist, Chiropractor, Chiropodist, Massage Therapist, Naturopath, Osteopath, Occupational Therapist, Physiotherapist, Podiatrist, Psychologist, Psychotherapist, Registered Dietician, Social Worker, Speech Therapist.
| Silver | Gold | Platinum | |
|---|---|---|---|
| Annual Combined Maximum | $500 | $1,000 | $1,250 |
| Maximum Per Practitioner / Year | $500 | $600 | $600 |
| Coinsurance | 100% | 100% | 100% |
Supplies, equipment, and services. No age limit unless noted.
| Benefit | Silver | Gold | Platinum |
|---|---|---|---|
| Overall Annual Maximum | $2,500 | $3,500 | $4,500 |
| CPAP Machine | $750 / 1 unit lifetime | $1,250 / 1 unit lifetime | $1,500 / 1 unit lifetime |
| CPAP Supplies | $250/year | $300/year | $350/year |
| Oxygen Equipment | R&C 100% | R&C 100% | R&C 100% |
| Compression Stockings | 4 pair/year | 5 pair/year | 6 pair/year |
| Blood Pressure Monitor | $100 lifetime | $100 lifetime | $100 lifetime |
| Blood Glucose Monitor | $200 / every 3 years | $200 / every 3 years | $200 / every 3 years |
| Orthotics | $300/year | $300/year | $300/year |
| Hair Prosthesis (Wig) | $500 lifetime | $500 lifetime | $500 lifetime |
| Hearing Aid | $500 / every 4 years | $750 / every 4 years | $1,250 / every 4 years |
| Preventative Vaccines | $100/year | $100/year | $100/year |
| Orthopaedic Shoes | $250/year | $300/year | $350/year |
| Ostomy Supplies | R&C 100% | R&C 100% | R&C 100% |
| Post-Surgical Bra | 2 per year | 2 per year | 2 per year |
| Braces & Rigid Supports | 1 per year | 1 per year | 1 per year |
| Prosthetics | $3,500 lifetime | $5,000 lifetime | $7,500 lifetime |
| TENS Device | $500 lifetime | $750 lifetime | $1,000 lifetime |
| Wheelchair (Non-Electric) | $1,000 lifetime | $1,000 lifetime | $1,000 lifetime |
| Wheelchair (Electric) | $3,000 lifetime | $3,000 lifetime | $3,000 lifetime |
| Accidental Dental (Natural Teeth Only) | $2,000/year | $2,500/year | $3,000/year |
| Nursing Care | 100% up to $2,500/year | 100% up to $3,500/year | 100% up to $4,500/year |
| Ambulance (Ground & Air) | R&C 100% | R&C 100% | R&C 100% |
| Canes, Casts, Crutches, Splints, Trusses | R&C 100% | R&C 100% | R&C 100% |
| Semi-Private Hospital Room | Max 90 days / $20/day | Max 90 days / $20/day | Max 90 days / $20/day |
| Viscosupplementation Injection | $600/year | $600/year | $600/year |
| Diagnostic Services | $500/year | $750/year | $1,000/year |
| Freestyle Libre / Dexcom & Pump Supplies | $2,000/year | $2,500/year | $3,500/year |
No age limit.
| Benefit | Silver | Gold | Platinum |
|---|---|---|---|
| Eye Exams | $100 / every 2 years | $100 / every 2 years | $100 / every 2 years |
| Eyeglasses and Contacts | $100 / every 2 years | $200 / every 2 years | $300 / every 2 years |
Included with all plans. Available to age 99. No stability requirement under age 70 — a rare and valuable advantage.
| Benefit | Silver | Gold | Platinum |
|---|---|---|---|
| Coverage Per Trip | $5,000,000 | $5,000,000 | $5,000,000 |
| Trip Duration | 90 days | 90 days | 90 days |
| Stability Requirement (Under Age 70) | None | None | None |
| Stability Requirement (Age 70-99) | 90 days | 90 days | 90 days |
| Coverage Available To Age | 99 | 99 | 99 |
Primary member only.
| Benefit | Silver | Gold | Platinum |
|---|---|---|---|
| Coverage Amount | $10,000 | $10,000 | $10,000 |
| Coverage To Age | 85 | 85 | 85 |
Available as an add-on with every plan. There are no waiting periods. Your coverage begins on your effective date.
| Benefit | Silver | Gold | Platinum |
|---|---|---|---|
| Annual Combined Maximum (Per Person) | $2,000 | $2,000 | $2,000 |
| Basic Services | 80% | 80% | 80% |
| Major Services | 50% | 50% | 50% |
For complete details, limitations, exclusions, and policy provisions, please refer to the official policy booklet.
Definitions
| Term | Definition |
|---|---|
| Reasonable & Customary (R&C) | The maximum an insurance plan will reimburse for a service, based on typical fees charged by providers in your province. If a provider charges more, the additional cost is the member’s responsibility. |
| Coinsurance (Copay) | The percentage of a claim the insurer pays. The member pays the remaining balance. For example, 80% coinsurance means the insurer pays 80% and the member pays 20%. |
| Annual Maximum | The most the plan will pay for a covered benefit within a calendar year. Resets January 1 each year unless noted as a lifetime maximum. |
| Lifetime Maximum | The most the plan will pay for a covered benefit over the life of the policy. Does not reset annually. |
Things to Consider
This page is a summary of coverage and may not include all plan details. Please review the full benefit booklet before purchasing a plan.
- All calendar-year and lifetime maximums apply per person unless otherwise stated.
- Anyone between the ages of 18 and 79 can apply. Coverage is available for individuals, couples, and families.
- You must be a Canadian resident with provincial health coverage to apply.
- Health coverage does not age out. Once enrolled before age 80 with continuous coverage, your extended health benefits remain in force for life.
- Emergency Travel Coverage is included with all plans and available to age 99. No stability requirement under age 70. A 90-day stability requirement applies for ages 70 to 99.
- Life Insurance coverage continues until age 85, at which point it terminates.
- Extended health coverage for a dependent who is hospitalized at the time their coverage should begin (except newborns) will start the day after they are discharged.
Premium Payment
Premiums are processed on the 1st day of each month. Members may choose to pay by:
- Pre-Authorized Debit (PAD)
- Credit Card
Your coverage will remain in force as long as monthly premiums are successfully paid.
Cancellation of Coverage
To cancel your coverage, simply complete and submit a cancellation form. Once we receive your request, cancellation will take effect after a standard 30-day processing period. There are no fees to cancel your plan.
Optional Dental Pricing
Optional dental coverage is available as an add-on with any VikingCares plan. Dental pricing is based on your age and plan selection at the time of enrollment.
Contact the VikingCares Administration Team for current dental pricing or to add dental coverage to your plan.
Phone: 1-844-7VIKING (1-844-784-5464)
Email: hello@vikingcares.ca
For complete details, limitations, exclusions, and policy provisions, please refer to the official policy booklet.