Is ManuLife health insurance the best for you?

James Rodriguez James Rodriguez  updated on 2022-01-03

Canada’s universal care, while excellent, is not comprehensive. Emergency and preventive care are largely covered, but knowing what is not covered is critical to planning for the worst. 

Around 30% of health expenditures in Canada are privately financed by supplemental insurance (group or individual) or by patients themselves out-of-pocket. This includes dental and vision care and access to prescription medications. 

Are you considering a personal health insurance plan with Manulife?

You are in the right spot. This guide details Manulife's health and dental insurance plans including price, coverage, reviews and more. 

Who is Manulife?

Manulife was founded in Canada in 1887. Since then, they have expanded into the international market with a client base spanning from Canada to the United States, Bermuda, and Asia. They offer a wide variety of financial and insurance products including various private health insurance plans.

Our review of Manulife health insurance:

Manulife offers many comprehensive plans - whether you are looking for dental benefits, drug benefits, or a combination, you will be able to find a plan that works for your health needs. 

They have a comprehensive online portal offering easy access to your benefit information and to submit a claim online. All health and dental plans have the option to add Manulife Vitality which gives you the opportunity to earn rewards and save on how much you pay.

Manulife health insurance is a choice for you if you do not have health benefits through your employer, you are losing your group coverage, or if you would like additional benefits not offered by your employer’s or province’s health and drug coverage such as dental or medication only coverage.

Why Manulife may be right for you: 

  • Manulife Vitality rewards program 
  • Submit claims online or via app
  • Option to choose dental-only, medication only, or a combination plan
  • Option of having private or semi-private hospital room with all plans

Why Manulife may not be right for you:

  • Hospital benefits are not automatically included
  • Basic traveller’s insurance only covers the first 9 days of a trip

Before signing up for a health insurance plan with Manulife, compare rates and coverage offerings from the best health and dental plans using our comparison tool. Shop the best plans in seconds without giving up personal details.

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Canada's best health insurance plans

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What does Manulife cover?

Manulife has seven tiers of plans designed to suit your specific needs:

  • DrugPlus Basic 
  • DrugPlus Enhanced
  • DentalPlus Basic
  • DentalPlus Enhanced
  • ComboPlus Starter
  • ComboPlus Basic
  • ComboPlus Enhanced

All plans come with varying degrees of vision coverage and $250,000 extended health care over a lifetime for registered specialists and therapists, orthotics, hearing aids, home care, medical equipment and more (after government health plan maximums reached).

Hospital, additional vision care, travel and accidental death and dismemberment can be added to each plan. 

PlanComboPlus StarterComboPlus BasicComboPlus EnhancedDrugPlus BasicDrugPlus EnhancedDentalPlus BasicDentalPlus Enhanced
Prescription Drugs$525/Year$5,000/Year$10,000/Year$5,000/Year$5000/YearNot CoveredNot Covered
Dental Care – Ongoing Maintenance$400/Year$750/Year$920/Year Year 1: $575
Year 2+: $750/ Year
Year 1: $840
Year 2+: $920/Year
Dental Care – Oral surgery, periodontics, endodontics Year 1: 60% Year 2: 60% Year 3+: 80% Year 1: 0%
Year 2: 60%
Year 3+: 80%
Dental Care – Major restorative Year 1: 0%
Year 2+: 60%
Year 1: 0%
Year 2+: 60%
Vision Care$150 every 2 Years$250 every 2 Years$250 every 2 Years$250 every 2 Years$250 every 2 Years$250 every 2 Years$250 every 2 Years
Extended Health Care$250,000 Lifetime$250,000 Lifetime$250,000 Lifetime$250,000 Lifetime$250,000 Lifetime$250,000 Lifetime$250,000 Lifetime
Comparison of Manulife plans and coverage

What does Manulife dental insurance cover?

While Canada’s public system covers lots of healthcare needs, access to dental care is not included. Dental care is important to one’s overall health. Since it can be a major expense, too many people skip preventive treatment. That is a mistake, as regular preventive care helps prevent gum disease, which is linked to conditions like heart disease, diabetes and rheumatoid arthritis. Additionally, it can help you to detect other medical complications early.

A supplemental insurance plan can help, here is what Manulife offers. 

Manulife offers two stand-alone dental plans and also offers dental benefits in all three combination plans; however, each plan will have differing benefits. 

Ongoing dental maintenance found in all plans will include:

  • Exams
  • Diagnostics
  • Preventative
  • Select extractions
  • Polishing

Services covered under Enhanced (not Basic or Starter plans) include:

  • Spacer maintenance
  • Denture repair
  • Anesthesia
  • Crowns
  • Bridges
  • Orthodontics (braces)
Dental PlanYear one coverageYear two and beyond
DentalPlus BasicYear 1: 50% of first $1,150 (up to $575 every year)
Check-ups every 9 months
Year 2+: 80% of first $400 and 50% of next $860 (up to $750 every year)
Check-ups every 9 months
DentalPlus EnhancedYear 1: 70% of first $1,200 (up to $840 every year)
Check-ups every 6 months
Year 2+: 100% of first $500 and 60% of next $700 (up to $920 every year)
Check-ups every 6 months
ComboPlus Starter70% of first $575 (up to $400 every year)
Check-ups every 9 months
70% of first $575 (up to $400 every year)
Check-ups every 9 months
ComboPlus Basic80% of first $400 and 50% of next $860 (up to $750 every year)
Check-ups every 9 months
80% of first $400 and 50% of next $860 (up to $750 every year)
Check-ups every 9 months
ComboPlus Enhanced100% of first $500 and 60% of next $700 (up to $920 every year)
Check-ups every 6 months
100% of first $500 and 60% of next $700 (up to $920 every year)
Check-ups every 6 months
Coverage on Manulife dental insurance plans

How much do Manulife’s health insurance plans cost?

If you are a 35-year old male living in Ontario, you could expect to pay $74.40 per month for a ComboPlus Basic plan. 

However, the quote will vary from individual to individual. Manulife will weigh a number of factors to determine your premium such as: 

  • age
  • gender
  • the number of lives on your plan (individual, family, etc.)
  • smoker status

To make sure you are getting the best plan for the best price, you must first establish what you want from your health insurance policy. 

The price of health insurance varies greatly between insurers. Your health history, age, the coverage options offered, your province, and more affect pricing. Use our comparison tool to get personalized health insurance quotes, all anonymously. 

Compare coverage and rates of
Canada's best health insurance plans

Get a quote in seconds

How can I get a Manulife health insurance quote?

You can request a Manulife personal health insurance quote by working with an insurance broker, requesting a quote through Manulife's website, calling 1-800-268-3763 or through our website by using our insurance comparison tool.

How can I connect to my client space?

You can register to create an account with Manulife which will give you access to your personal portal where you can submit or track a claim, find more information about your coverage and eligibility, and also check balances.

Manulife also offers their Manulife mobile app available for Android and iPhones for submitting claims, using your benefit card and checking coverage.

How can I make a claim with Manulife?

You can make a claim with Manulife by accessing the client space here: Submit a claim 

You may also do so by mailing the forms:

Manulife health insurance claim form:

Manulife Dental Claim Form :

To the following addresses: 

Health Care Claims:

Manulife Individual Insurance Health Claims

P.O. Box 670, Stn Waterloo

Waterloo, ON N2J 4B8

Dental Claims:

Manulife Individual Insurance – Dental Claims

P.O. Box 670, Stn Waterloo

Waterloo, ON N2J 4B8

How can I cancel my Manulife health insurance plan?

Contact Manulife at 1-800-268-3763 to inquire about cancelling your plan. Note that there is a 24-month waiting period to get new coverage again with Manulife.

How can I contact Manulife?

You can contact Manulife at 1-800-COVER ME® (1-800-268-3763). They are available Monday through Friday 8:00 am to 8:00 pm ET.

Manulife vs Sun Life health insurance:

Sun Life and Manulife are both among Canada's largest health insurers. Both offer wide-ranging plans from basic to comprehensive coverage that can include dental insurance, vision insurance prescriptions and ambulance services.

To compare personal health insurance plans, see our review of Sun Life health insurance.

Can I get travel medical insurance with Manulife?

You will have to check your specific plan to know if travel insurance is included. Travel insurance is particularly important in Canada because provincial health insurance plans cover less once you are out of your home province. This can mean unpleasant surprises when you see your bill. Travel abroad and you may not have any access to health care services at all without a plan or paying up-front.

Travelling without proper health coverage can be an expensive mistake. Read HelloSafe's complete guide to travel insurance to learn more.

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