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Health and dental insurance

Insure your most valuable possession – your health. We’ve partnered with Manulife to bring you coverage for all your health and dental insurance needs.


What is health and dental insurance?

Health and dental insurance is like a safety net for your wellbeing. It’s a type of coverage that helps pay for any bills and expenses you incur, if you get sick, injured, or need dental health care.

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Why get health and dental insurance?

Group and provincial health plans may not cover all your medical and dental health care needs. That means you’ll be paying out of pocket for these services – and those costs can add up fast.

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Why choose our health and dental coverage?

Gulf & Fraser’s Smart Wellness Health & Dental Plans start where your government coverage ends.

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Essential coverage included

All our plans include most core benefits. So you don’t pay extra for coverage like vision care, ambulance services, and registered specialists.

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No waiting period

You don’t have to wait around for your coverage to begin. Benefits start on the first day of the month after you get approval for your plan.

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Fast, convenient claims

No need to pay upfront for care. Most prescription drug and dental health care claims can be processed electronically as you go. 

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Acceptance often guaranteed

Everyone deserves to take care of their health. We offer dental and base health plans that don't require a medical questionnaire, so your acceptance is guaranteed.

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Support when you need it

When you need support, our Health Service Navigator®‡ is here. It can help you access advice, coordinate care, and get world-class second opinions.

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More coverage at no cost

All our plans include emergency medical care when traveling out of province. They also offer coverage towards at home monitoring for those with medical issues.

Explore your health and dental insurance options


Health & dental

Flexcare® health & dental insurance

Flexible and affordable insurance tailored to you

  • Take your coverage with you, even if you have a change in jobs or in your health

  • Get additional coverage if you’re 65+

  • Borrow tax-free when buying your first home

  • Obtain special rates for families with three or more children

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Health & dental enhanced insurance

Comprehensive health coverage

  • Guaranteed Acceptance plans

  • Coverage for pre-existing conditions

  • High prescription drug max, dental, vision and extended healthcare benefits

  • Emergency medical travel coverage available

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FollowMe health & dental insurance

Insurance for where employee coverage ends

  • Guaranteed Acceptance plans*

  • Get special rates for couples and families with three or more children

  • 15-30 days emergency medical travel coverage available

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Dental only

DentalPlus Basic Plan

Great if you want to cover regular dental check-ups and routine dental work

You can save money with DentalPlus Basic Plan. It provides essential dental, vision and extended health care coverage – without drug coverage - to help keep your costs in check.

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DentalPlusᵀᴹ Enhanced Plan

Great if you want to cover routine and more extensive dental work, including root canals

Focus your protection where you need it most. DentalPlus Enhanced Plan provides comprehensive dental, vision and extended health care coverage – without drug coverage to keep costs down.

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Ready to set up your health and dental insurance?

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Chat with an advisor

Book an appointment

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Visit a branch

Find a branch

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Call our Member Hub

Call 604-419-8888


Boost your insurance know-how

Key insurance questions to ask yourself

Find out what to think about in advance to protect yourself and your loved ones.


Get advice on the go

Life gets busy, but don't let that stop you achieving your goals. Whether you’ve got $50 or $50,000, we want to help power your possible – and we'll come to you to do it.

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Your health and dental insurance questions answered

Typically, the answer to this question is no. The Medical Services Plan (MSP) doesn’t cover basic dental health care like cleanings or checkups. It only pays for emergency dental and oral health services to relieve pain, such as dental or oral surgery in a hospital.

However, if you receive income or disability assistance, you and your family may be eligible for basic dental health care coverage. To learn more, take a look at the BC Government website.

That’s a good question and really depends on your personal situation. To determine the type of coverage you need and how much, it can be helpful to first look at:

  • Your needs – Do you have any ongoing medical conditions, injuries, or medications you require? Do you have any specific vision, dental or oral health needs? Do you travel a lot? All these factors can impact the coverage you need.

  • Family – If you have a family, don’t forget to consider their health and dental needs too. Family dental health care alone can be expensive, especially as your household grows.

  • Other coverage – Do you have health and/or dental coverage through your school, employer, or parents’ insurance plans? Understanding the coverage you already have will help you identify any gaps you need to fill.

  • Future plans – If you have any big life moments coming up – like getting married or having kids – don’t forget to factor those into your decision making.

There are a lot of things to consider when determining your insurance needs. If you want help figuring it all out, don’t hesitate to get in touch. Our advisors have experience with all types of situations. They can help you spot any gaps in your coverage and find the right plan to address them.

Book a chat

Many health and dental offices can submit claims for you. If your provider doesn't offer this, you can also submit your claims online through our partner, Manulife.

Once you get your insurance policy, review it carefully. If you’re not completely satisfied, you may return it to Manulife within 30 days of the issue date to cancel your coverage. Your entire premium will be promptly refunded. No questions asked. 


Have more questions?

Don’t hesitate to reach out. We’re just a live chat, video, or phone call away when you need us.

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Other solutions you might want

Life insurance

Life insurance is like a safety net that protects your family if you pass. It can help them pay off debts, cover expenses and finance future needs when you’re gone.

Business insurance

You worked hard to build your business. Don’t forget to protect it against the unexpected too. From key person insurance to loan protection, we offer coverage for all your business needs.

Disclaimer: Insurance products are available through Gulf and 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.

*Your coverage is guaranteed with no medical questions when you apply and pay your first premium within 90 days of your employee benefits ending.

** 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. 

† Guaranteed acceptance is dependent upon receipt of first premium payment and satisfaction of eligibility criteria.

‡ Manulife cannot guarantee the availability of this benefit indefinitely.