Compare insurance plans

Our plan provides better value

RTOERO

Other*

RTOERO

Other*

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

$1,350 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

$150 eye exams

80% every 2 years

Travel

$10 million per person per trip

- 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 to $5,000 per trip
$10,000 vehicle return
Guaranteed acceptance for trips longer than 93 days

$10 million per person per lifetime

- up to 100 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 100 days

Dental

Basic & preventive

85% unlimited reimbursement

Minor restorative

$800 - 80% reimbursed

Major restorative

$800 crowns + $800 bridges, partial dentures - 50% reimbursed (two separate maximums for crowns and partial dentures)

Basic & preventive

80% unlimited reimbursement

Minor restorative

$850 - 80% reimbursed

Major restorative

$750 - 50% reimbursed (combined maximum for crowns and partial dentures)

*RTIP Plus 4000 Plan

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 if you’re an Ontario Teachers’ Pension Plan (OTPP) member, you can choose to deduct premiums from your pension

Apply now