Design the health plan that fits your family. Get a GMS Personal Health quote in minutes.
BUY ONLINE
GMS Personal Health Coverage is a supplemental health insurance plan for Canadian residents who do not have group benefits through an employer. It fills the gaps left by provincial health plans by covering costs such as paramedical services, hospital upgrades, accidental dental treatment, medical equipment, and optional prescription drug and dental care. GMS offers three plan tiers — BasicPlan, ExtendaPlan®, and OmniPlan® — so you can choose the level of coverage that best fits your family's needs and budget.
3 plan tiersBasicPlan, ExtendaPlan, OmniPlan
$2,000,000Travel coverage (OmniPlan)
GMS Care NetworkIncluded on all plans
Since 1949Trusted Canadian provider
Who Is GMS Personal Health Coverage For?
GMS Personal Health Coverage is designed for Canadians who pay out of pocket for health expenses not covered by their province, including:
- Self-employed individuals and freelancers
- Retirees and seniors who have lost group benefits
- Part-time and contract workers without employer benefits
- Employees transitioning between jobs
- Small business owners and their families
- Anyone whose provincial plan leaves gaps in coverage
Plan Comparison
| Benefit | BasicPlan | ExtendaPlan® | OmniPlan® |
|---|
| Vision Care | Not included | 80% to $250 combined / 2 years | 1 eye exam / 2 years + 90% to $250 / 2 years for frames/lenses |
| Health Practitioners | 70% to $250 combined / year | 80% to $350 combined / year | 90% to $300 per specialty / year |
| Counselling Services | Not included | $65/visit × 10 visits / year | $65/visit × 15 visits / year |
| Speech Pathologist | $45/visit × 5 visits / year | $45/visit × 10 visits / year | $45/visit × 10 visits / year |
| Hearing Aids | Not included | $500 / 5 years | $800 / 5 years |
| Health Supplies & Equipment | Not included | $500 / year | $500 / year |
| Diabetic Supplies & Equipment | Not included | $300 / year | $300 / year |
| Oxygen Equipment | Not included | $500/year; $1,500 lifetime | $500/year; $2,500 lifetime |
| Blood Pressure Monitor | Not included | 1 per policy / 5 years | 1 per policy / 5 years |
| Custom Foot Orthotics | Not included | 80%; 1 pair / 5 years (adults) | 80%; 1 pair / 3 years (adults) |
| Orthopedic Shoes | Not included | $225 | $225 |
| Mobility Aids | Not included | $300 | $300 |
| Ostomy Supplies | Not included | $300 | $300 |
| Ambulance | Road: $2,000; Air: unlimited | Road & Air: unlimited | Road & Air: unlimited |
| Casts & Crutches | Unlimited | Unlimited | Unlimited |
| Preferred Hospital Room | $500 | $1,000 | 45 days to $3,500 |
| Private Duty Nursing | 80% to $1,500 (in-hospital only) | 80% to $3,000 | 80% to $5,000 |
| Accidental Dental | $500 / injury | $2,000 / injury | $5,000 / injury |
| Wheelchairs, Scooters & Hospital Beds | $500 / 5 years | $750 / 5 years | $1,000 / 5 years |
| Prosthetic Appliances | Artificial eyes, limbs, breast prostheses, surgical bras | Artificial eyes, limbs, breast prostheses, surgical bras | Artificial eyes, limbs, breast prostheses, surgical bras |
| Patient Walkers | 80% to $300 / 5 years | 80% to $300 / 5 years | 80% to $300 / 5 years |
| GMS Care Network | Included | Included | Included |
Additional Coverage Options
The following optional add-ons can be combined with any plan tier:
| Option | Coverage | Notes |
|---|
| Basic Prescription Drug | Up to $3,500 | Covers drugs prescribed for newly diagnosed conditions (must be on provincial formulary). Includes hormonal contraceptives. |
| Enhanced Prescription Drug | Up to $5,000 new conditions + $800 pre-existing | Higher limit version. Includes hormonal contraceptives and limited pre-existing condition drug coverage. |
| Dental Care | Year 1: $500 / Year 2: $750 / Year 3+: $1,000 | Covers preventative, basic, and major dental services. Subject to a waiting period. |
| Hospital Cash | $100/day up to $3,000/year | Cash benefit paid for each day of hospitalization. Subject to a waiting period. |
| Annual Travel | Up to $2,000,000 | Out-of-country and out-of-province emergency medical coverage. Available in 15, 30, or 48-day trip lengths. |
Health Practitioners Covered
GMS Personal Health Coverage reimburses visits to provincially regulated health care professionals. On OmniPlan, up to $300 per specialty per year is covered at 90%. ExtendaPlan provides a combined maximum of $350 at 80%, and BasicPlan provides a combined maximum of $250 at 70%. Eligible practitioners include:
- Physiotherapist / Athletic Therapist
- Chiropractor
- Massage Therapist
- Acupuncturist
- Naturopath
- Dietitian
- Osteopath
- Chiropodist / Podiatrist
Claims & Customer Service
Claims must be submitted within 12 months from the date of service, and no later than 30 days following the expiry date of the policy. Submit claims through the GMS member portal or by contacting GMS directly. For OmniPlan travel emergencies, use the GMS emergency assistance line.
| Purpose | Contact |
|---|
| Customer service & claims | 1-800-667-3699 | info@gms.ca |
| Online member portal & claims | my.gms.ca |
| OmniPlan travel emergency (Canada & USA) | 1-800-459-6604 |
| OmniPlan travel emergency (worldwide, collect) | 905-762-5196 |
Frequently Asked Questions
- What is the difference between BasicPlan, ExtendaPlan, and OmniPlan?
- BasicPlan covers essential hospital and emergency benefits at the lowest cost — ambulance, hospital room upgrade, private duty nursing, and accidental dental. ExtendaPlan adds paramedical services (physiotherapy, massage, chiro), hearing aids, orthotics, and equipment. OmniPlan is the most comprehensive, with higher limits for every benefit and includes $2 million in travel emergency medical coverage.
- Is prescription drug coverage included?
- Drug coverage is an optional add-on. The Basic Prescription Drug option provides up to $3,500 for newly diagnosed conditions. Enhanced Prescription Drug provides up to $5,000 for new conditions plus $800 for pre-existing condition drugs. Drugs must generally be on your provincial formulary.
- Does GMS cover dental?
- Dental Care is an optional add-on covering preventative care, basic, and major dental services. The annual maximum grows over time: $500 in Year 1, $750 in Year 2, and $1,000 in Year 3 and beyond. A waiting period applies. All base plans also cover accidental dental injuries separately.
- Does GMS Personal Health include travel insurance?
- Travel coverage is an optional add-on (Annual Travel) offering up to $2,000,000 in emergency medical coverage for out-of-country and out-of-province trips up to 15, 30, or 48 days per trip.
- Who can apply for GMS Personal Health Coverage?
- Any Canadian resident without group benefits can apply — self-employed individuals, retirees, part-time workers, and anyone whose provincial plan does not meet all their health care needs.
- How do I submit a claim?
- Claims must be submitted within 12 months of the date of service. Contact GMS at 1-800-667-3699 or info@gms.ca for claim forms, or use the GMS member portal. Claims submitted more than 30 days after policy expiry will not be accepted.
BUY ONLINE
|
