Our comprehensive insurance plans are the most popular benefit of RTOERO membership. It’s easy to join RTOERO and access the insurance coverage you need.

To be eligible for our group insurance, you must:

  • Be an RTOERO member – you can become a member when you apply for your coverage, or become a member at any time, even before you need insurance. Membership is free until you retire
  • Have your permanent residence in Canada and be covered by a Government Health Insurance Plan
  • Work or have worked in the education sector in any role – this includes post-secondary, public and private k to 12 education, early years, ministries of education, First Nations schools and student transportation

Your dependents can be covered too

A spouse or dependent child can join a plan without the policyholder also being insured, within the same plan, if the RTOERO member is a policyholder with at least one other plan.


Your spouse or partner doesn’t need to be a member to be eligible for coverage. A spouse includes a spouse through legal marriage or a partner who has lived with you for at least the last 12 months.


Your children don’t need to be members to be covered. Many RTOERO members have dependent children at home, in care homes or completing post-secondary studies. Coverage is available for:

  • Unmarried children under 21 who aren’t employed full-time
  • Unmarried children under 30 who are enrolled as a full-time student at a post-secondary institution and who are dependent on you for support
  • Children who are disabled, unmarried and who depend on you for financial support

Need help?

We’re here to assist.

Don’t wait to apply

You’ll be automatically approved for your hospital and extended medical insurance without the need for additional medical information as long as you apply within 60 days of your previous group insurance ending. Usually, that’s within 60 days of your retirement date.