Insurance plans for retirement

Extended health care plan

• Monthly premiums: Single $119.17 | Couple $238.37 | Family $286.06
  (Plus applicable taxes: 8% in Ontario and 9% in Quebec)
• $3,400 prescription drugs – 85% reimbursed
• $400 vision care every 2 years – 80% reimbursed + $150/2 years for eye exams
• $1,300 paramedicals – doctor referral not required
• Comprehensive 93-day/trip travel insurance
• Access to CloudMD’s medical second-opinion service​

Dental plan

• Monthly premiums: Single $70.85 | Couple $139.71 | Family $174.21
  (Plus applicable taxes: 8% in Ontario and 9% in Quebec)
• Unlimited routine dental care – 85% reimbursed
• $800 endodontics, & periodontics (root canals, etc.) & implant surgeries – 80% reimbursed
• $800 crowns, posts, inlays – 50% reimbursed
• $800 fixed bridges, partial dentures – 50% reimbursed

Hospital and convalescent care plan

• Monthly premiums: Single $17.51 | Couple $34.96 | Family $41.09
  (Plus applicable taxes: 8% in Ontario and 9% in Quebec)
• Unlimited semi-private hospital – 95% reimbursed
• Convalescent/home care $75/day – 80% reimbursed

Supplemental travel

• For members with the Extended Health Care Plan
• Extends travel coverage past 93 days

Home and car insurance

RTOERO members save up to 40% on home and car insurance, plus receive exclusive benefits after age 50. It’s easy to get a no-obligation quote.

Life insurance

RTOERO members between 50 and 85 get guaranteed acceptance for universal life insurance regardless of health. Members between 45 and 70 can receive term coverage of up to $150,000 by answering five simple medical questions.

Accidental death & dismemberment

Receive financial protection in the event of a serious accident. Guaranteed acceptance for members and their spouses under age 85.