mroo travel insurance

Health, Dental and Travel Insurance by Victor

Why you may need insurance.

The Ontario Health Insurance Plan (OHIP) covers some, but not all medical services. It also does not provide dental and only includes limited emergency out-of-country medical coverage. Before you think about purchasing private insurance, you should become familiar with what OHIP offers as they are the first to pay claims for health insurance in Ontario. This means that if OHIP covers a benefit or service there is no expense to you.   Learn about OHIP+

If OHIP does not cover your health care expense, your health insurance plan might pay all, or a portion of it. In most cases, the employer health, dental and life insurance benefits you had while working will end in retirement or when you reach age 65.

You can get the insurance you need through a partnership between MROO and Victor once your employer benefits end or when you find it is too expensive to pay your medical bills that OHIP doesn’t cover.

What MROO Can Offer

As a member of MROO, you and your spouse have access to five insurance plans from Victor :

• Health and Dental Care Benefits – Extended care insurance to cover what OHIP may miss

• RecoverEase Insurance – Protect yourself from unexpected expenses in the event of a serious illness/injury

• Life Insurance – Leave something extra for the people you care about or a charity

• Annual Travel Insurance – Medical coverage for unlimited trips of up to 30 to 180 days each year

• Individual Travel Insurance – Various plans available with Manulife for coverage just in Canada or worldwide

All of our plans are administered by Victor, a trusted MROO partner for more than 35 years. Together, we ensure that retiring employees have access to a comprehensive, sustainable insurance program. 

Getting Started

Click to Get Your Quote

It’ll only take 5 minutes—and if you need to, you can save your quote and come back to where you left off and enroll later.

What You Need to Know

Be retirement ready with more information about Victor and other benefits available to you.

How Victor is Different 

• No age banding on health, dental, annual travel and RecoverEase insurance – our rates do not increase because of age, everyone pays the same price for the same benefits
• Once insured, you (and your spouse) can keep your health, dental and annual travel insurance for life
• Victor offers comprehensive insurance benefits and services not available through other retiree plans

Benefits to You

• Dental bills can be expensive but government assistance is available for low income seniors – Dental care for low-income seniors
• A very good resource for health and well-being programs and services can be found here – A Guide to Health and Wellbeing Programs and Services for Seniors
• Government and community services available to you: Assistive Devices Program , Home and Community Care Support Services , Long-term care settings in Ontario. You can also find government benefits and services at: Benefits Finder
• Government grants for seniors can include grants for housing – Housing benefits and Canadian Seniors Homeowner Grants: Show Me the Green

Educational Resources

• Preventive measures can be taken to stay healthy and avoid falls that result in injury – Exercise and Fall Prevention Programs
• Helpful information for new and existing Ontario residents on topics including health, housing, immigration and citizenship, employment, education, community, legal services, and general life – Information Newcomers Can Trust

Get complete plan information about MROO’s insurance coverage for members with Victor and enroll online at www.mrooinsurance.ca . You can also call Victor at 1-800-363-7861, or email them at [email protected] .

What our Members Say

“I feel like I’m in good health, but it was nice to know that I didn’t have to answer any medical questions to be approved for benefits since I was within the 90-day guaranteed acceptance window. And I didn’t have to go a day without health coverage. You never know what could happen when you least expect it!” - B. Powell, Niagara Falls, ON

This is your time.

Make sure you’re ready for retirement by completing our checklist, available here.

Learn More about Health and Dental Benefits for Retirees

Retiree Benefits

• Products Available
• Annual Travel Insurance
• RecoverEase Insurance
• Health & Dental Care Benefits
• Individual Insurance – Travel Plans
• Life Insurance

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Program Overview

Plan options.

• Health and Dental Care – coverage for life, including semi-private hospital, dental services, prescription drugs, home nursing care, medical supplies, paramedical services and more. Rates do not increase due to age.
• RecoverEase SM Insurance  – coverage for life, including cash benefits to assist with many expenses associated with recovering after a serious illness or injury, cataract benefits, medical equipment coverage, accidental death and dismemberment, and more.
• Life Insurance  – coverage for life with policy limits from $5,000 to $20,000, guaranteed acceptance (no medical exam required), Accidental Death Benefit, Living Benefit and more.
• Annual Travel Insurance – optional plan offered to MROO Health and Dental Care Plan policyholders. Unlimited trips, multiple trip durations, $1 million coverage per person, per trip, and coverage for life. Opportunity to change trip duration annually without medical questions. Rates do not increase due to age.
• Individual Travel Insurance  – choose from a variety of travel insurance plans in Canada or outside of the country. Enrollment in other MROO insurance plans is not required to purchase this coverage.  

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Get the right support at the right time, no matter what you’re up against.

Submit and manage your claims with our providers here. 

Online claims

Manage your claims online through Manulife’s secure website.

Paper claims

Download the appropriate form and submit to the address listed.

For claims questions, please contact our dedicated teams below

For Health and Dental Insurance Claims

Manulife Claim Services – 1-800-268-6195

For RecoverEase SM Insurance Claims

iA Claim Services – 1-800-266-5667

For Life Insurance Claims

Victor Insurance Managers Inc. – 1-800-363-7861

Matching our wide-ranging coverage with wide-ranging support

We’re here to take the frustration out of managing your insurance program. Find everything you need below.

Manage your policy online with V+

Access a range of services and policy information. Right at your fingertips.

If you have any questions or concerns, we’re only a quick phone call or email away. 

Ready. Set. Enroll.

Pick from our plans and get the all-round protection you need to properly cover your retirement.

Submit a claim

From mobile apps to personal support, manage your claims your way here.

Retirement insurance providers

We work with carefully chosen partners and draw on their expertise to give clients a range of options and sustainable coverage.

Talk to a relationship manager

A helping hand to understand our products. We'll walk you through the options and help you determine what is right for you.

I'm a financial planner, and I'd recommend annual travel insurance to anyone who loves to travel abroad

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

• Frequent and spontaneous travelers will likely benefit from annual travel insurance policies.
• Your credit card may come with some travel protections, but it may not be enough.
• When choosing a policy, look at what it covers, not just what's cheapest.

Summer is just a few months away — and if you're planning a vacation this year, the last thing you want is an unexpected event to derail your plans (and cost you hundreds).

Flights get delayed or canceled constantly. Luggage disappears into the ether. Medical emergencies occur in remote destinations. Yet many jetsetters simply cross their fingers and hope for the best rather than prepare for the worst.

That's why, as a financial planner, I believe it's crucial to consider protecting your trips with the right insurance coverage. One option often overlooked, particularly by frequent travelers, is annual travel insurance .

Annual travel insurance covers all your trips within 365 days. Unlike stand-alone travel insurance, which only covers you for a specific trip, an annual policy covers any trips you take within the year.

That's why I tell clients who travel frequently that an annual policy is a good choice for their needs. By opting for an annual plan, you don't have to go through the hassle of booking multiple policies and potentially save money compared to purchasing individual trip coverage. Here's how it works.

What to look for in a policy

While specifics may vary depending on the insurer and plan tier, most include the following key benefits:

• Trip cancellations or interruptions: You may be able to get reimbursed for expenses (even nonrefundable ones!) related to an illness, injury, or natural disaster that forced you to cancel or cut your trip short.
• Emergency medical and dental care: If you fall ill or get injured while traveling, your insurance can help cover the cost of medical treatment.
• Emergency evacuation: In a serious medical emergency or security situation, your policy will arrange and pay for transportation to a hospital or back to your home country.
• Lost, delayed, or damaged baggage: If your luggage is lost, delayed, or damaged during your trip, you can get financial coverage for essential items while you wait for your stuff to be recovered or replaced.
• Trip delays and missed connections: When your travel plans are disrupted due to issues like mechanical problems or severe weather, you may get reimbursement for additional expenses incurred, like meals, lodging, and transportation.

It's important to note that annual travel insurance plans have limitations. Certain high-risk activities, pre-existing medical conditions, and travel to specific regions may be restricted or require additional coverage.

Some travelers may assume that their credit card's built-in travel protections are enough. While many travel rewards credit cards offer perks like rental car insurance, trip cancellation, and baggage reimbursement, the coverage limits are often much lower than a dedicated annual travel insurance plan.

Credit card coverage for emergency medical care is also particularly limited — capped at a few thousand dollars — which may not be enough in the face of a major international medical emergency.

How much travel justifies an annual plan?

For the occasional traveler who takes one or two trips a year, single-trip policies will probably work for you. But if you fall into any of these buckets, you may want to consider an annual policy:

• Regular international travelers (three or more trips abroad yearly)
• Road warriors frequently away for work
• Adventurers engaging in high-risk activities like heli-skiing, scuba diving, or mountain climbing
• Cruisers and tour group travelers
• Students or retirees taking extended trips throughout the year
• Those visiting developing countries with limited medical care

Annual plans cover all of your trips within a 365-day period after purchasing. They're basically a bundle of multiple policies into one package deal. This means you only have to buy one policy to manage, locking in your coverage for the year.

How to decide if an annual policy makes sense for you

Start by reviewing your travel plans this year — and your risk tolerance. Calculate how much buying individual travel insurance policies would cost you over the next year and compare it to the price of an annual plan.

Don't just focus on the premium — carefully evaluate coverage limits, exclusions, and deductibles to ensure you have enough protection for your needs.

An annual policy gives you the flexibility to take spontaneous trips without the hassle of obtaining last-minute insurance. More importantly, it provides peace of mind, knowing that you're covered for a wide range of travel disruptions and emergencies.

As the busy summer travel season ramps up, definitely explore protecting your trips with insurance, especially if you're jetting off internationally. Spending hours on the phone trying to rebook canceled flights or worrying about affording an overseas medical emergency is no way to vacation.

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