Compare insurance plans

Our plan provides better value in 10 out of 14 areas

RTOERO

Other*

RTOERO

Other*

Extended health care + hospital + dental

single

$192.15/mo

couple

$382.44/mo

family

$464.23/mo

single

$202.71/mo

couple

$399.50/mo

family

$479.00/mo

Prescription drugs

$3,400 annually - 85% reimbursed

cover ALL prescription drugs

$4000 annually - 85% reimbursed

NOT ALL prescription drugs covered

Paramedicals

$1,300 All practitioners combined – 80% reimbursed

No doctor’s authorization needed

$1,300 All practitioners combined – 80% reimbursed

Doctor’s authorization required for some practitioners
LIMITED reimbursement – per-visit max

Vision

$400 vision correction

80% every 2 years

$150 eye exams

80% every 2 years

$375 vision correction

80% every 2 years

$175 eye exams

80% every 2 years

Travel

$10 million per insured up to 93 days per trip

$6,000 trip cancellation/interruption
Private hospital room
$1,000 lost luggage per trip
$250/day for meals and accommodation, up tom $5,000 per trip
$10,000 vehicle return
Guaranteed acceptance for trips longer than 93 days

$2 Million Per Person up to 95 Days per Trip

$6,000 trip cancellation/interruption

Semi-private hospital room
No coverage for lost luggage
$150/day for meals and accommodation, up to $5,000 per trip
$2,000 vehicle return
Medical questionnaire for trips longer than 95 days

Dental

Basic & preventative

85% unlimited reimbursement

Minor restorative

$800 - 80% reimbursed

Major restorative

$800 crowns + $800 bridges, partial dentures 50% reimbursed

Basic & preventative

80% unlimited reimbursement

Minor restorative

$850 - 80% reimbursed

Major restorative

$750 - 50% reimbursed

*RTIP Plus 4000 Plan

Premiums are based on pre-tax amounts. Group insurance is subject to

provincial tax in Ontario and Quebec.

Ready to apply? Here’s what you need

Your RTOERO membership (not a member? Get your membership now)
Your health card number and the health card number for your spouse and any dependents, if applicable
Current insurance information
A cheque for reference for bank deductions, or your SIN if you’re an Ontario Teachers’ Pension Plan (OTPP) member and want to deduct premiums from your pension

Apply now