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Get health & dental insurance

Gulf & Fraser has partnered with Manulife to provide the Smart Wellness Health & Dental Plan to our members.

The Smart Wellness Health & Dental Plan with Manulife has eight different options for you to choose from—helping you find one that best suits your family’s individual needs and budget. 

What coverage do you already have?

You might already have health and/or dental coverage through your post-secondary school, under your parent’s plan, or under your current employer’s plan. Be sure to look into this before making the decision to add further coverage.

Consider what level of coverage you and your family need—today and into the future.

Based on your current and future needs, it’s important to determine what level of coverage you need. If you’re planning on making some important life decisions—like getting married or having a child—consider these factors in your decision making.

We offer plans to meet a diverse set of needs.

Our eight plans offer variety to suit different needs. Four plans offer various levels of both health and dental benefits, while the other four offer only dental coverage.

If you’re looking for a complete bundle of health benefits, consider the Silver or Gold Plan. Both plans offer coverage for dental services, prescription drugs, vision care, hospital, travel, registered specialists and therapists, homecare and nursing, and much more! 

All plans include most core benefits. You don’t have to pay extra for benefits like vision care, registered specialists and therapists, ambulance services and more.

Are you a business owner?

We offer health insurance for business owners and their employees.

Business insurance

Key person insurance, business loan protection and more.

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* Disclaimer: Insurance products are available through Gulf & Fraser Insurance Services Ltd., a wholly-owned subsidiary of Gulf & Fraser. This website is for informational purposes only and is not intended to provide specific insurance, financial, investment, tax, or other advice to you, and should not be acted or relied upon in that regard. Insurance products are underwritten by certain licensed insurance companies and are only available throughout British Columbia, Canada.

** Plans underwritten by The Manufacturers Life Insurance Company. Manulife and the Block Design are trademarks of The Manufacturers Life Insurance Company and are used by it, and by its affiliates under licence. Health Service Navigator® is offered through The Manufacturers Life Insurance Company. Lifeline® is a trademark of Lifeline Systems Inc. © 2018 The Manufacturers Life Insurance Company. All rights reserved. Manulife, P.O. Box 670, Stn Waterloo, Waterloo, ON N2J 4B8. Accessible formats and communication supports are available upon request. Visit for more information.  

‡ Manulife cannot guarantee the availability of this benefit indefinitely. 

* Only included in plans that have prescription drug coverage.


Talk with a Gulf & Fraser Insurance Planner

Steve Camele, Insurance Specialist

Certified Health Specialist, Steve, can give you specialized advice on disability, critical illness and long-term care insurance.