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Public Service Health Care Plan summary

This is a summary of the Public Service Health Care Plan (PSHCP), which is offered to eligible employees and retirees of the public service(including the Royal Canadian Mounted Police and the Canadian Armed Forces) and  participating employers , and members of certain  designated groups . It does not contain all details or describe all limits, restrictions or exclusions. For additional information, please refer to the  PSHCP Directive  or the  Federal PSHCP Administration Authority  website; or contact your departmental Compensation services, the  Public Service Pay Centre , pension office, or the  Government of Canada Pension Centre .

The PSHCP is designed to supplement your provincial/territorial health insurance plan for reasonable and customary eligible expenses. This is referred to as  Supplementary Coverage .

If you are deployed or posted outside of Canada by your employer or live outside of Canada as a retiree and are no longer eligible under a provincial/territorial health insurance plan, please refer to the  PSHCP Directive  or the  Federal PSHCP Administration Authority  website for a description of  Comprehensive Coverage .

The following information is for members with  Supplementary Coverage .

Eligibility

• Full-time and part-time employees and employees appointed for more than 6 months or who have completed 6 months of continuous employment
• Retired members with at least six years of pensionable service (some exceptions apply, please see the Plan Directive or PSHCP Member Booklet for more information) in receipt of an ongoing recognized pension
• Eligible spouses or common-law partners and dependant children of plan members, including survivors

For definitions of terms used, please consult the PSHCP Directive definitions page.

Application and Effective Date

Active member.

To apply, you must complete and submit a Public Service Health Care Plan (PSHCP) online application on the Compensation Web Applications (CWA). Alternatively, a paper PSHCP Employee Application  form (PDF, 95 KB) can be submitted to your departmental Compensation services or the Public Service Pay Centre .

• If your completed application is received within 60 days from the date you become eligible for coverage, your PSHCP coverage will take effect on the first day of the month following receipt of your application.
• If your completed application is received more than 60 days after the date you become eligible for coverage, your PSHCP coverage will take effect on the first day of the fourth month following receipt of your application.

Retired Member

To apply, you must complete and submit a paper  Public Service Health Care Plan (PSHCP) Pensioner Application Form  (PDF, 91 KB) to the  Pension Centre . If you were a member of the PSHCP as an active member, you may choose to continue your PSHCP coverage by accepting to pay the monthly contributions in your retirement package.

• If you were not a member of the PSHCP before retirement, your PSHCP coverage will take effect the first day of the fourth month after your completed application is received. Some exceptions apply. Consult the PSHCP Directive for more information.

Positive Enrolment

Once your application is approved, you will be issued a certificate number which you will need to complete Positive Enrolment with the plan administrator, Canada Life .

This involves providing information to Canada Life about yourself, your spouse/common-law partner and each eligible dependant child, including full name, address, gender and age, and whether you or any of your dependants have coverage under another group health care plan. To receive your Public Service Health Care Plan (PSHCP) benefit card and have your claims paid under the PSHCP, you must complete positive enrolment. If you do not, your claims will not be paid.

If you were a PSHCP member before retirement or experienced any life changes, you will need to update your positive enrolment information.

Reimbursement Percentage

• 80% of eligible expenses or of stated maximums, if any

Eligible Expenses

Extended health provision, prescription drugs (reimbursed at 80%):.

• Drugs that legally require a prescription
• Certain  Life-Sustaining Drugs
• Smoking cessation aids: Lifetime maximum $2,000
• Erectile dysfunction drugs: Maximum $500 per calendar year
• Until December 31, 2023, prescribed brand name drugs will still be reimbursed at 80% of their cost for those with existing prescriptions, if processed electronically at the pharmacy using the PSHCP Benefit Card
• Starting July 1, 2023, new prescriptions will be subject to mandatory generic drug substitution
• Exception: If the generic version of the drug cannot be prescribed, due to a medical reason, the brand name drug may still be reimbursed at 80%.
• This program is administered by the plan administrator where certain drugs need to be pre-approved before they are reimbursed under the PSHCP
• Until July 1, 2023, if a member is on any of the prescription drugs that are part of the Prior Authorization program, they will not be required to go through the Prior Authorization process to continue receiving that prescription
• Starting July 1, 2023, if a member is prescribed a drug that is on the Prior Authorization list, they will be required to go through the Prior Authorization process to have the medication pre-approved for reimbursement under the PSHCP
• Until December 31, 2025, if a plan member is on a biologic drug where there is a biosimilar available, plan members may be contacted with further details on the transition to biosimilars
• Exceptions will be considered based on medical evidence

Note : Provisions when out-of-pocket drug expenses exceed $3,500 per calendar year

Vision Care (Reimbursed at 80%)

• Eye examination: 1 every 2 calendar years starting odd years
• Eyeglasses or contact lenses: Maximum $400 every 2 calendar years commencing odd years
• Elective laser eye surgery: Lifetime maximum $2,000

Medical Practitioners (Reimbursed at 80%)

• Physiotherapist: Maximum $1,500 per calendar year
• Psychological services: Maximum $5,000 per calendar year
• Massage Therapist, Acupuncturist, Chiropractor, Osteopath, Naturopath or Podiatrist/Chiropodist: Maximum $500 per calendar year per type of practitioner
• Speech-Language Pathologist, or Audiologist: The services of a speech language pathologist or audiologist can be claimed to a combined maximum of $750 per calendar year
• Nursing services: Maximum $20,000 per calendar year
• Registered Dietitian, Occupational Therapist, Lactation Consultant: Maximum $300 per calendar year per type of practitioner.
• Electrologist: Maximum $1,200 per calendar year

Dental Treatment (Reimbursed at 80%)

• Dental expenses incurred for the treatment of an accidental injury to natural teeth or a jaw fracture
• Certain dental surgical expenses

Other Services and Supplies (Reimbursed at 80%)

• Expenses for certain supplies and services may be eligible, subject to maximums, such as ambulance transportation, hearing aids, orthotics, diabetic supplies and aerotherapeutics devices. Please consult the Public Service Health Care Plan (PSHCP) Directive or the Federal PSHCP Administration Authority  web site.

Out-of-Province Emergency Medical Expenses (Reimbursed at 100%)

• For vacation travel: Only emergency services obtained within 40 days of departure date from your province/territory of residence are covered
• For business travel: Emergency services for the entire period while on "official travel status" are covered
• Assistance services including transportation arrangements, medical referrals and advance payment of medical expenses

Out-of-Province Referral Benefit (Reimbursed at 80%)

• Written referral by the attending physician is required

Hospital Provision

Hospital (reimbursed at 100%).

• Specified dollar amounts per day, for daily hospital accommodation charges in a licensed hospital not covered by a provincial/ territorial health care plan
• Level I – $90 per day
• Level II – $170 per day
• Level III – $250 per day

Co-ordination of Benefits

If you and your dependant(s) are covered under more than one group health plan, you may coordinate benefits up to 100% of the actual eligible expenses. Coordination of benefits between PSHCP members is allowed.

Cost Sharing / Contributions

The  PSHCP monthly contribution rates  are comprised of two components, the cost associated with the  Extended Health Provision  and the cost for the  Hospital Provision . These components have different cost sharing arrangements.

• Your employer pays the full cost of the Extended Health Provision and Hospital Level I coverage under the Hospital Provision. If you choose Hospital Level II or III coverage, you are responsible for 100% of the additional expense for this coverage.
• Provisions are available for  contributions while on leave without pay
• Provisions are available for members of the Executive Group and other designated groups -  Full Employer-Paid Coverage

You and your employer share the cost of the Extended Health Provision and Hospital Level I coverage under the Hospital Provision. If you choose Hospital Level II or III coverage, you are responsible for 100% of the additional expense for this coverage.

• As of April 1, 2018, you pay 50% of the cost of your Extended Health Provision coverage

Public Service Health Care Plan Relief Provision

If you joined the PSHCP as a retired member, you may be eligible for the PSHCP Relief Provision.

The Relief Provision has been extended to include members who retire between April 1, 2015, and March 31, 2025. This means that if a member retires before March 31, 2025, they may be eligible for reduced contribution rates at the 25:75 (Retired member: Employer) cost-sharing ratio, provided they meet the following criteria:

• In receipt of a Guaranteed Income Supplement (GIS) benefit; or
• Has a net or combined net income lower than the GIS threshold

To apply, complete a  PSHCP Relief Provision Application Form  and return it to your pension office or the  Pension Centre . For the most current GIS threshold amounts, visit the Service Canada website .

If you are approved for the relief provision, it will be applied on the first day of the second month after the Pension Centre receives your completed application form.

Coverage ends automatically

• When a member and/or dependant ceases to be eligible.

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Sun Life Public Service Health Care Plan – Benefits, Coverage, and Enrollment

• Post author By adm-canpension
• Post date 06.12.2023

If you’re a Canadian federal employee, you may have heard of the Public Service Health Care Plan (PSHCP). This comprehensive health benefits plan is designed to provide coverage for you and your family when you need it most. And when it comes to managing your PSHCP coverage, Sun Life Financial is there to help.

Sun Life Financial is the administrator of the PSHCP, meaning they are responsible for managing claims, processing reimbursements, and providing customer service for plan members. With over 150 years of experience in the insurance industry, Sun Life is a trusted partner for federal employees across the country.

When it comes to your health and well-being, it’s important to have a plan that covers all the bases. The PSHCP offers a wide range of coverage options, including prescription drugs, dental care, vision care, and more. Whether you need to fill a prescription or visit a specialist, the PSHCP has you covered.

With Sun Life Financial as your partner, you can feel confident knowing that your health care needs are in capable hands. Sun Life’s team of experts are dedicated to providing exceptional customer service and ensuring that you have the information you need to make informed decisions about your coverage.

What is Sun Life PSHCP?

Sun Life PSHCP, also known as the Public Service Health Care Plan, is a comprehensive and flexible health care benefit plan that is offered to employees of the Canadian federal public service, as well as to eligible retirees and their dependents. Sun Life Financial, a leading international financial services organization, administers the plan.

The plan provides coverage for a wide range of health care services, including prescription drugs, dental care, vision care, and paramedical services such as physiotherapy and chiropractic care. It also offers coverage for certain medical supplies and equipment. The plan is designed to help its members manage the costs of their health care needs and ensure they have access to the care they need when they need it.

Benefits of Sun Life PSHCP

There are several benefits of enrolling in Sun Life PSHCP:

• Comprehensive coverage: The plan provides coverage for a wide range of health care services, including prescription drugs, dental care, and vision care.
• Flexibility: Members have the flexibility to choose the level of coverage that best suits their needs, with the option to add additional coverage for themselves and their dependents.
• Accessibility: The plan ensures that members have access to the health care services they need, when they need them.
• Convenience: Members can easily manage their benefits online through the Sun Life website, making it convenient to submit claims and track their coverage.

Eligibility for Sun Life PSHCP

To be eligible for Sun Life PSHCP, individuals must be working for the Canadian federal public service on a permanent or temporary basis, or be retired from such employment. Eligible dependents, including spouses or common-law partners and dependent children, may also be covered under the plan.

In conclusion, Sun Life PSHCP is a comprehensive health care benefit plan that provides coverage for a wide range of health care services to employees of the Canadian federal public service, retirees, and their dependents. The plan offers flexibility, accessibility, and convenience, ensuring that members have the support they need to manage their health care needs.

Eligibility Criteria for Sun Life PSHCP

In order to be eligible for the Sun Life Public Service Health Care Plan (PSHCP), individuals must meet the following criteria:

Employment Status: Only active employees of the Federal Public Service, including employees of separate agencies, are eligible for the PSHCP. This includes part-time and full-time employees.

Type of Employment: Individuals must have an indeterminate (permanent) employment status in order to qualify for the PSHCP. Term employees with continuous employment of more than six months are also eligible.

Nomination by Employer: An individual must be nominated by their employer and receive approval from the Treasury Board Secretariat in order to be eligible for the PSHCP. Self-nomination is not accepted.

Enrollment Period: Individuals must enroll in the PSHCP within 60 days from the date of becoming eligible. If enrollment is not completed within this period, individuals may not be eligible for coverage.

Proof of Eligibility: In order to be eligible for the PSHCP, individuals must provide proof of their employment status, such as a letter of offer or an offer of employment, along with their enrollment application.

Dependent Coverage: Individuals may also be eligible to enroll their eligible dependents in the PSHCP, including their spouse or common-law partner and dependent children. Proof of dependency is required.

Please note that the above eligibility criteria is a general overview and may not include all specific requirements. It is important to consult the official Sun Life PSHCP documentation for complete and up-to-date eligibility information.

The Sun Life Public Service Health Care Plan (PSHCP) offers a range of benefits to eligible participants. Here are some key advantages of enrolling in Sun Life PSHCP:

Comprehensive Coverage

The PSHCP provides comprehensive coverage for a variety of health care services, including prescription drugs, dental care, vision care, paramedical services, and more. This ensures that participants have access to the necessary medical care they need to maintain their health and wellbeing.

Flexible Options

Sun Life PSHCP offers flexible options, allowing participants to choose a coverage level that best suits their needs. Whether you are an individual or have a family, you can customize your coverage to ensure you have the right level of protection.

With various options available, you can select the combination of services and benefits that aligns with your specific requirements.

Furthermore, the PSHCP allows you to add or remove dependents from your coverage as needed, ensuring that your plan remains up to date with your changing circumstances.

Financial Protection

In addition to providing coverage for medical expenses, Sun Life PSHCP also offers financial protection in the event of a disability. The plan includes disability benefits, which can help offset the loss of income if you become unable to work due to an illness or injury.

This added financial security can provide peace of mind, allowing you to focus on your recovery without worrying about the financial implications.

Health and Wellness Support

Sun Life PSHCP goes beyond just providing coverage for medical services. The plan also offers various health and wellness resources and programs to promote overall well-being.

These resources may include access to telemedicine services, health and wellness education, mental health support, and more. By taking advantage of these resources, participants can proactively manage their health and make informed decisions regarding their well-being.

In conclusion, enrolling in Sun Life PSHCP can provide you with comprehensive health care coverage, flexible options, financial protection, and access to health and wellness support. Take advantage of the benefits offered by PSHCP to ensure your and your family’s well-being.

How to Enroll in Sun Life PSHCP

Enrolling in Sun Life PSHCP is a straightforward process that can be completed online. Follow these steps to enroll:

• Visit the official Sun Life PSHCP website.
• Click on the “Enroll Now” button.
• Fill out the enrollment form with your personal details, such as name, address, and contact information.
• Provide information about your employment and select the appropriate employment category.
• Choose your coverage options from the available plans.
• Review your enrollment information to ensure accuracy.
• Submit your enrollment form.
• Pay the required premiums, if applicable.
• Receive confirmation of your enrollment via email or postal mail.

It is essential to enroll in Sun Life PSHCP to ensure you have access to comprehensive coverage and benefits for you and your family. By following these steps, you can easily enroll in Sun Life PSHCP and start enjoying the peace of mind that comes with having reliable health insurance.

Changing Sun Life PSHCP Coverage

If you are a member of the Sun Life Public Service Health Care Plan (PSHCP), you have the option to change your coverage to better suit your needs. Whether you’re looking to add or remove coverage, it’s important to understand the process and the options available to you.

Adding Coverage

If you feel that your current coverage under the PSHCP is not sufficient, you have the option to add additional coverage. This can include adding coverage for prescription drugs, vision care, or dental care, among others. To make changes to your coverage, you will need to contact Sun Life directly and provide the necessary information and documentation.

Removing Coverage

If you find that you no longer need certain aspects of your PSHCP coverage, you have the option to remove them. This can help reduce your premiums and ensure that you are only paying for the coverage that you truly need. To remove coverage, you will need to contact Sun Life and inform them of the changes you would like to make.

It’s important to note that any changes to your Sun Life PSHCP coverage may have certain restrictions or waiting periods. It’s always a good idea to review the terms and conditions of your policy and consult with Sun Life to ensure that you fully understand the implications of any changes you make.

Overall, changing your Sun Life PSHCP coverage can help you tailor your plan to better suit your individual needs. Whether you need to add coverage or remove certain aspects of your plan, taking the time to assess your healthcare needs and make informed decisions can help you make the most of your coverage.

Understanding Sun Life PSHCP Premiums

When it comes to your health, it’s important to have a comprehensive insurance plan in place. The Sun Life Public Service Health Care Plan (PSHCP) is designed to provide you and your family with coverage for a wide range of health services and expenses.

What are PSHCP Premiums?

PSHCP premiums are the monthly fees that you are required to pay in order to maintain your coverage under the Sun Life PSHCP. These premiums help to fund the plan and ensure that it remains sustainable for all members.

The amount of your PSHCP premiums will depend on a few factors, including your salary range and the level of coverage you choose. It’s important to note that premium rates may change from year to year, so it’s a good idea to review your coverage and update as needed.

How are PSHCP Premiums Calculated?

The calculation of your PSHCP premiums is based on a percentage of your salary. The rates are determined by the Treasury Board of Canada Secretariat and are adjusted annually.

There are three salary ranges that determine the rate of your premiums: Range 1 , Range 2 , and Range 3 . Each range has its own specific premium rates.

It’s important to review the premium rates for your specific salary range to ensure that you are paying the correct amount for your coverage. In some cases, you may be required to provide documentation of your salary to verify your premium rate.

Overall, understanding how Sun Life PSHCP premiums are calculated is important in order to ensure that you are paying the correct amount for your coverage. By staying informed about your premium rates and any changes to the plan, you can make the most of your PSHCP benefits and protect your health and well-being.

Exclusions and Limitations of Sun Life PSHCP

Exclusions:

The Sun Life PSHCP (Public Service Health Care Plan) provides comprehensive coverage for a wide range of health care services. However, there are some exclusions that are not covered by this plan:

• Experimental or investigative treatments: The plan does not cover treatments that are not proven to be effective or approved by recognized medical authorities.
• Cosmetic procedures: Procedures that are performed solely for cosmetic purposes, such as elective cosmetic surgery, are not covered.
• Dental services: Regular dental check-ups and treatments are not covered under the Sun Life PSHCP. However, there is a separate dental plan available for PSHCP members.
• Alternative therapies: Treatments such as acupuncture, naturopathy, and chiropractic care are not covered by the plan.
• Travel vaccines: Vaccines required for international travel are not covered under the Sun Life PSHCP.

Limitations:

In addition to the exclusions, there are certain limitations to the coverage provided by the Sun Life PSHCP:

• Annual maximums: The plan has annual maximums for certain services, such as maximum limits for prescription drugs or paramedical services.
• Waiting periods: Some services may have waiting periods before they are covered by the plan.
• Coordination of benefits: If you have coverage under another plan, such as a spouse’s plan, the benefits may be coordinated to avoid double coverage.

It’s important to review the plan document or contact your plan administrator for the complete list of exclusions and limitations of the Sun Life PSHCP.

Claiming Sun Life PSHCP Benefits

If you are a member of the Sun Life Public Service Health Care Plan (PSHCP), you can take advantage of a wide range of benefits. This includes coverage for prescription drugs, dental care, vision care, and more. However, in order to make the most of these benefits, it’s important to understand the claiming process.

Step 1: Gather Your Documentation

Before you can make a claim, make sure you have all the necessary documentation. This typically includes receipts and invoices for the services or treatments you received. It’s important to keep these documents organized and easily accessible.

Step 2: Complete the Claim Form

Once you have all the necessary documentation, you will need to complete a claim form. This form can usually be downloaded from the Sun Life website or obtained through your employer. Make sure to fill out the form accurately and provide all the required information.

Step 3: Submit Your Claim

After completing the claim form, you can submit it along with the supporting documentation. This can be done either online through Sun Life’s member portal or by mail. If you choose to mail your claim, make sure to use a trackable method to ensure it reaches Sun Life safely.

Step 4: Wait for Processing

Once Sun Life receives your claim, they will begin processing it. This typically takes a few weeks, so be patient. You can check the status of your claim online through the member portal or by contacting Sun Life directly.

Step 5: Receive Payment

If your claim is approved, you will receive payment for the eligible expenses. This can be done either through direct deposit or by check, depending on your preferences. Make sure to keep track of the payments you receive for your records.

In conclusion, claiming your Sun Life PSHCP benefits is a straightforward process, as long as you have all the necessary documentation and follow the correct steps. If you have any questions or need assistance, don’t hesitate to reach out to Sun Life or your employer for support.

Prescription Drug Coverage in Sun Life PSHCP

In the Sun Life Public Service Health Care Plan (PSHCP), prescription drug coverage is an important component of the comprehensive benefits offered. The PSHCP provides coverage for eligible prescription drugs, helping plan members manage their medication costs.

Under the PSHCP, prescription drug coverage is available for a wide range of medications. From common over-the-counter drugs to complex specialty medications, the plan aims to support the health and well-being of plan members.

To access prescription drug coverage, plan members will need to present their PSHCP identification card at the pharmacy. The coverage generally includes a percentage of the cost of the medication, with the member responsible for any remaining balance.

The PSHCP also offers a comprehensive list of preferred drugs, which are covered at a higher level of reimbursement. By choosing preferred drugs, plan members can maximize their prescription drug coverage and reduce out-of-pocket costs.

It’s important to note that the PSHCP may require prior authorization for certain prescription drugs. This means that plan members may need to have their prescription reviewed and approved by the plan administrator before coverage is provided.

In addition to prescription drug coverage, the PSHCP also provides coverage for a range of other health care services, including dental care, vision care, and paramedical services. By offering comprehensive coverage, the PSHCP aims to support the overall health and well-being of plan members.

Paramedical Coverage in Sun Life PSHCP

In addition to its comprehensive health and dental coverage, Sun Life PSHCP also offers paramedical coverage for its members. Paramedical services are a vital component of many individuals’ healthcare and can help improve overall well-being.

Paramedical services covered under Sun Life PSHCP include:

• Physiotherapy: Sun Life PSHCP covers the cost of physiotherapy treatments, which can be essential for rehabilitation after an injury or for managing chronic conditions.
• Chiropractic Services: Members can benefit from chiropractic services covered by Sun Life PSHCP, which can address musculoskeletal issues and promote spinal health.
• Registered Massage Therapy: Sun Life PSHCP also covers registered massage therapy, which can help relieve muscle tension, reduce stress, and improve circulation.
• Psychology and Social Work: Mental health is a critical aspect of overall well-being, and Sun Life PSHCP recognizes this by providing coverage for psychology and social work services.
• Naturopathic Services: Members can access naturopathic services covered by Sun Life PSHCP, which can provide additional support for overall health and wellness.
• Podiatrists and Chiropodists: Sun Life PSHCP covers visits to podiatrists and chiropodists, who specialize in foot and ankle care.
• Speech-Language Pathologists: Members can also receive coverage for speech-language pathology services, which can help with communication and swallowing disorders.

These paramedical services are essential for maintaining a healthy and active lifestyle. By offering coverage for a wide range of paramedical treatments, Sun Life PSHCP strives to provide its members with the necessary support and resources to prioritize their health.

Vision Care Coverage in Sun Life PSHCP

In life, it is important to take care of our vision. With Sun Life PSHCP, you have access to comprehensive vision care coverage that can help ensure the health of your eyes.

Benefits of Vision Care Coverage

Having vision care coverage in Sun Life PSHCP can provide you with several benefits:

• Regular eye exams: You can get routine eye exams to ensure your eyes are healthy and to detect any potential issues early on.
• Prescription glasses and contact lenses: If you need visual aids, Sun Life PSHCP can cover the cost of prescription glasses or contact lenses.
• Frames and lenses: Sun Life PSHCP can help cover the cost of frames and lenses for your prescription glasses.
• Eyeglass repairs: If your glasses need repairs, Sun Life PSHCP can help cover the cost.
• Other vision care services: Sun Life PSHCP may also provide coverage for other vision care services, such as laser eye surgery, if deemed medically necessary.

How to Access Vision Care Coverage

To access vision care coverage in Sun Life PSHCP, you will need to follow these steps:

• Find a participating vision care provider: Sun Life PSHCP has a network of vision care providers who are authorized to provide services covered by the plan. You can search for a participating provider online or contact Sun Life for assistance.
• Make an appointment: Once you have chosen a participating provider, schedule an appointment for your vision care needs.
• Present your Sun Life PSHCP card: At your appointment, present your Sun Life PSHCP card to the vision care provider.
• Pay any applicable fees: Depending on the services you receive, you may need to pay certain fees or co-payments. Check your Sun Life PSHCP plan details for more information.
• Submit any required documentation: If you need to submit a claim for reimbursement, make sure to keep all receipts and necessary documentation. Follow the instructions provided by Sun Life for submitting claims.

With vision care coverage in Sun Life PSHCP, you can take care of your eyes and maintain good vision throughout your life. Make sure to utilize the benefits available to you and prioritize your eye health.

Dental Care Coverage in Sun Life PSHCP

The Public Service Health Care Plan (PSHCP) offered by Sun Life provides comprehensive coverage for dental care. PSHCP aims to ensure that eligible participants receive necessary dental treatment to maintain oral health and prevent dental issues.

Under the PSHCP, dental care coverage includes a wide range of services such as routine cleanings, check-ups, and X-rays. Additionally, it covers more extensive procedures like fillings, root canals, extractions, and crowns.

The PSHCP dental care coverage is designed to provide financial assistance to eligible participants, allowing them to access necessary dental treatments without incurring exorbitant costs. The plan typically covers a percentage of the dental fees based on the specific procedure and the dentist’s fee guide.

It is important to note that the PSHCP dental care coverage may have certain limitations and exclusions. For example, cosmetic procedures such as teeth whitening or orthodontic treatments may not be covered. It is recommended to review the plan documents or consult with Sun Life for detailed information on coverage specifics.

To utilize the dental care coverage in Sun Life PSHCP, eligible participants need to provide their dental practitioner with their PSHCP benefit card or claim form. The dental practitioner will then submit the claim directly to Sun Life for reimbursement.

Overall, the dental care coverage in Sun Life PSHCP provides essential support for eligible participants to maintain good oral health and address dental concerns. It is advised to review the specific coverage details and consult with Sun Life or the plan administrator for any inquiries or clarification.

Travel Coverage in Sun Life PSHCP

Under the Sun Life Public Service Health Care Plan (PSHCP), members are provided with comprehensive coverage for travel-related expenses. Whether you are traveling within Canada or internationally, the PSHCP offers benefits to help protect your health and well-being.

Travel Benefits

The PSHCP offers the following travel benefits:

• Emergency Medical Coverage: Members are covered for emergency medical expenses that may arise while traveling, including hospitalization, medical services, and prescription drugs.
• Travel Assistance Services: In case of an emergency while traveling, members can access the Travel Assistance Services, which provides 24/7 support, including assistance with medical referrals, emergency medical evacuation, and repatriation.
• Trip Interruption Insurance: If your trip is interrupted due to an unforeseen event, such as a medical emergency or natural disaster, the PSHCP provides coverage for expenses related to the interruption, including additional accommodation and transportation costs.
• Trip Cancellation Insurance: If you need to cancel your trip before departure due to an eligible reason, such as illness, death, or a government travel advisory, the PSHCP provides coverage for non-refundable expenses, such as flights and accommodations.

Eligibility and Coverage Limits

To be eligible for travel coverage under the PSHCP, members must have provincial or territorial health care coverage and be enrolled in the PSHCP as an active employee or eligible retiree.

The coverage limits for travel benefits vary based on the member’s plan design and level of coverage. It is important to review your specific plan details to understand the extent of your travel coverage.

Submitting Claims

To submit a claim for travel-related expenses, members need to complete a travel claim form and provide supporting documentation, such as receipts and medical reports. Claims can be submitted online through the Sun Life Plan Member Services website or by mail.

It is recommended to review the PSHCP Travel Benefits Booklet for detailed information on the coverage, exclusions, and claim submission process.

Mental Health Coverage in Sun Life PSHCP

Mental health is an important aspect of overall well-being, and Sun Life recognizes the significance of providing coverage for mental health services. In the Sun Life Public Service Health Care Plan (PSHCP), members have access to a wide range of mental health benefits.

Covered Mental Health Services

Sun Life PSHCP provides coverage for various mental health services, including:

• Psychiatrist services
• Psychologist services
• Therapy sessions
• Psychiatric consultations
• Inpatient and outpatient mental health care
• Crisis helpline services

Accessing Mental Health Coverage

To access mental health coverage through Sun Life PSHCP, members can simply reach out to the designated providers within the network. These providers are experienced professionals who can offer the necessary support and treatment. It is important to note that some services may require prior authorization, so it is advisable to confirm this with Sun Life or the designated providers.

Importance of Mental Health Coverage

Providing mental health coverage in the Sun Life PSHCP promotes overall wellness among the members. Mental health support is crucial for individuals facing challenges related to stress, anxiety, depression, or other mental health conditions. By offering comprehensive coverage, Sun Life aims to ensure that members receive the necessary care and support they need to maintain their mental well-being.

In conclusion, Sun Life PSHCP offers extensive mental health coverage to its members, encompassing a range of services and treatments. Access to mental health support is vital, and Sun Life is committed to providing comprehensive coverage to promote the well-being of its members.

Health and Wellness Programs in Sun Life PSHCP

In addition to providing comprehensive health coverage, the Sun Life Public Service Health Care Plan (PSHCP) also offers a range of health and wellness programs designed to support the well-being of its beneficiaries.

The Sun Life PSHCP understands that maintaining good health goes beyond just receiving medical treatment when needed. It encourages proactive measures to prevent illness and promote overall wellness. To achieve this, the plan offers various programs and resources to help beneficiaries live a healthy and balanced lifestyle.

One of the key programs available through Sun Life PSHCP is the Wellness Program. This program provides access to a wide range of tools, resources, and activities designed to support physical, mental, and emotional well-being. These may include fitness challenges, mental health support, stress management resources, smoking cessation programs, and more. Beneficiaries can access these resources online or through a dedicated wellness portal.

In addition to the Wellness Program, Sun Life PSHCP also offers various preventive health services. These services aim to keep beneficiaries healthy and catch any potential health issues early on. Examples of preventive health services may include annual check-ups, screenings for early detection of certain diseases, routine vaccinations, and more. By offering these services, Sun Life PSHCP helps beneficiaries take proactive steps towards maintaining their health.

Sun Life PSHCP recognizes the importance of mental well-being and offers resources and support to address mental health concerns. These may include access to mental health professionals, counseling services, and resources for managing stress, anxiety, or depression. By prioritizing mental health, the plan aims to support the overall well-being of its beneficiaries.

In conclusion, Sun Life PSHCP goes beyond traditional health insurance by offering a range of health and wellness programs to support the well-being of its beneficiaries. From promoting physical fitness to addressing mental health concerns, the plan aims to provide comprehensive support for a healthy and balanced lifestyle.

Contact Sun Life for PSHCP

If you have any questions or need assistance with your PSHCP coverage, the best way to contact Sun Life is by phone. You can reach their customer service team at the following number:

• Phone: 1-800-361-6212

When calling, make sure to have your policy number and any relevant information handy to expedite the process. Sun Life’s customer service representatives are trained to assist with any inquiries related to the PSHCP, including coverage, claims, and eligibility requirements.

If you prefer to contact Sun Life through other means, you can also visit their website and access their online resources. The Sun Life website provides a wealth of information and tools to help you better understand and manage your PSHCP coverage. You can find frequently asked questions, forms, and downloadable documents on their website.

Additionally, Sun Life offers an online portal where you can access your account information, submit claims, and track the progress of your claims. To access the portal, you will need to create an account and log in using your policy number and other personal information.

Remember, Sun Life is here to assist you with your PSHCP coverage and ensure that you have the information and support you need. Don’t hesitate to reach out to them if you have any questions or concerns!

Sun Life PSHCP stands for Sun Life Public Service Health Care Plan. It is a health care plan provided to Canadian public service employees and their dependents.

How does Sun Life PSHCP work?

Sun Life PSHCP provides coverage for a wide range of health care services, including prescription drugs, dental care, vision care, and paramedical services. Employees contribute to the plan through payroll deductions, and the plan reimburses them for eligible expenses.

What are the eligibility requirements for Sun Life PSHCP?

To be eligible for Sun Life PSHCP, an individual must be a Canadian public service employee, a member of the Canadian Armed Forces, or a Royal Canadian Mounted Police (RCMP) member. Dependent coverage is also available for eligible family members.

What are the benefits of Sun Life PSHCP?

The benefits of Sun Life PSHCP include coverage for prescription drugs, dental care, vision care, paramedical services, hospital stays, and more. The plan also provides coverage for travel health services and mental health services.

How do I make a claim with Sun Life PSHCP?

To make a claim with Sun Life PSHCP, you need to complete a claim form and submit it along with any supporting documents, such as receipts or invoices, to Sun Life. Claims can be submitted online, by mail, or through the Sun Life mobile app.

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HelloSafe » Travel Insurance » Sun Life

Is Sun Life Travel Insurance the best in 2024? Review

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Our articles are written by experts in their fields (finance, trading, insurance etc.) whose signatures you will see at the beginning and at the end of each article. They are also systematically reviewed and corrected before each publication, and updated regularly.

Finding good travel insurance that offers comprehensive coverage is a daunting task. They always lack one thing or the other. But have you thought about Sun Life travel insurance and what it covers? 

Among the host of options available in the market, Sun Life travel insurance could indeed be an option to consider. But is it the right fit for you?

To help you with that, we bring you this review of Sun Life travel insurance, its coverage, pros and cons, claims process, and everything you need to know. You can also compare its coverage with different providers and get free quotes so you can pick a plan that suits you best.

Sun Life Travel Insurance: 5 Key Takeaways

• Sun Life's travel insurance provides a wide range of coverage options.
• It covers medical treatment expenses for injuries or illnesses that occur during your trip.
• Coverage includes hospitalisation, surgery, doctor visits, ambulance services, and medical evacuation.
• Buying travel insurance from Sun Life is relatively easy, with a straightforward process.
• Sun Life has policies for individuals, families, and even groups, making it convenient for travellers of all kinds.
• The cost can vary based on several factors, such as destination, trip duration, age, and more.
• Compare plans and get free quotes using HelloSafe comparator.

Our review of Sun Life travel insurance Canada

Sun Life is a reputable Canadian insurance company that offers various insurance products, including travel insurance. It typically covers various aspects, including emergency medical expenses, trip cancellation, trip interruption, baggage loss, and travel accident insurance.

Sun Life travel insurance is best suited for Canadian travelers seeking comprehensive coverage during their trips abroad. It's ideal for those who value peace of mind, especially in high-cost medical destinations, as it offers substantial emergency medical coverage.

Families, individuals, and group travelers will appreciate its diverse coverage options and straightforward purchasing process. Sun Life's inclusive coverage and valuable add-ons make it an attractive choice for travelers looking for protection against various travel-related risks.

However, individuals with pre-existing medical conditions or those seeking coverage for high-risk activities might need to explore alternatives due to limitations. Travel insurance for seniors could be expensive given higher premiums with increasing age.

• Includes a wide range of coverage options, protecting travellers from various potential risks, unexpected events
• Offers substantial coverage for emergency medical expenses
• Has a straightforward process to purchase travel insurance, and it is often available for individuals, families, and even group travel
• Has more exclusions and limitations compared to other providers
• Travel insurance may not cover pre-existing medical conditions or may have limited coverage for such conditions
• Claim process can be tedious, and travellers may need to provide extensive documentation

What does Sun Life travel insurance cover?

Sun Life travel insurance coverage can vary from policy to policy, but here are some common components of travel insurance coverage:

• Emergency medical expenses: This coverage typically includes medical treatment expenses for injuries or illnesses that occur while travelling abroad. It may cover hospitalization, surgery, doctor visits, ambulance services, and medical evacuation.
• Trip cancellation and interruption : If your trip gets cancelled or interrupted due to covered reasons, this coverage can reimburse you for non-refundable expenses like flights, accommodation, and tour reservations.
• Baggage loss and delay: If your baggage is lost, stolen, or delayed during your trip, this coverage can provide compensation to replace essential items and clothing.
• Travel accident insurance: In the unfortunate event of an accident resulting in death or disability while travelling, this coverage may provide financial benefits to the insured or their beneficiaries.
• Travel delay: If your trip is delayed due to reasons beyond your control, such as flight cancellations or severe weather, travel delay coverage may reimburse you for additional expenses incurred during the delay, such as accommodation and meals.
• Trip disruption: This coverage may provide compensation for additional expenses if your trip is disrupted due to unexpected events, such as natural disasters, strikes, or civil unrest.
• Personal liability: Travel insurance might offer coverage for legal expenses and compensation in case you accidentally cause injury or property damage to others during your trip.
• 24/7 assistance services: Travel insurance policies often include access to emergency assistance services, such as medical advice, language translation, and travel-related information.
• COVID-19 coverage: Certain policies cover COVID-19 travel insurance coverage, but services vary based on policies.

If you'd like to compare travel insurance plans from other providers and see how Sun Life fares, you could use our comparator below. It lets you compare coverage, pricing, and also get free quotes from the best travel insurances in Canada.

Compare the best travel insurance plans on the market!

What does Sun Life insurance travel insurance not cover?

Exclusions are specific situations or circumstances in which insurance coverage will not apply. It's essential to review the actual policy documents for the most accurate and up-to-date information regarding exclusions. Here are some typical travel insurance exclusions:

• Pre-existing medical conditions
• High-risk activities, such as extreme sports or hazardous activities like skydiving, mountaineering, or scuba diving beyond a certain depth
• Travel to high-risk countries.
• Intentional acts or reckless behaviour
• Mental or emotional disorders
• Losses or injuries that occur while you are under the influence of alcohol or non-prescription drugs
• Any losses or injuries resulting from engaging in illegal activities, including breaking local laws or regulations
• Theft or loss of personal belongings left unattended in a public place
• Coverage for losses or injuries related to war, acts of terrorism, or civil unrest

What does Sun Life travel insurance cost?

The cost of Sun Life travel insurance, or any insurance policy, can vary based on several factors, including:

• Destination: The location you are travelling to can influence the cost of travel insurance. Some countries may have higher medical expenses, leading to higher premiums.
• Trip duration: The length of your trip will affect the cost of the insurance. Longer trips may have higher premiums compared to shorter ones.
• Coverage limits: The level of coverage you choose for medical expenses, trip cancellation, baggage loss, and other benefits will impact the cost.
• Your age: The age of the individuals being insured can also affect the premium. Typically, older travellers may have higher premiums.
• Number of travellers: If you are purchasing insurance for a group of travellers, the cost may differ based on the number of people covered.
• Optional add-ons: Some travel insurance policies offer additional coverage options for specific activities or benefits, which can increase the overall cost.

To give a rough idea of what to expect, here’s a sample quote for a 30-year-old traveller from Ontario to France, for your reference: 

Before you purchase a policy, we recommend comparing costs of other travel insurance policies. You could easily do that by using our comparator below and get quick and free personalised quotes based on your unique needs.

Why should you consider Sun Life travel insurance?

Here are the top reasons why you may want to consider Sun Life travel insurance:

• International travel: If you're planning to travel abroad, especially to countries with high medical costs, having travel insurance can protect you from unexpected medical expenses.
• Peace of mind: Travel insurance provides peace of mind, knowing that you have financial support in case of emergencies, trip disruptions, or unforeseen events.
• Valuable add-ons: Sun Life's travel insurance may offer additional benefits like trip cancellation coverage, baggage loss protection, and travel accident insurance, enhancing your overall travel experience.
• Inclusive coverage: Sun Life's travel insurance might offer comprehensive coverage for a variety of travel-related risks, helping you travel with confidence.

How to contact Sun Life?

There are a couple of ways to approach and contact Sun Life travel insurance customer service agents.

• Download the Sun Life app. 
• Call 1-800-361-6212.

A representative will get in touch with you to clear any doubts you may have regarding policies, cancelation or claims. There might be slight delays in response due to high volume of requests.

How to file a Sun Life travel insurance claim?

To initiate a Sun Life travel insurance claim, first, log in to your personal Sun Life account. Once logged in, navigate to the 'Benefits' section, where you should find an option labeled "Submit a claim."

If this option is available, you can proceed to submit your claim digitally following the specific claim type you require, like paramedical or vision coverage. Just follow the provided steps to complete the online claim submission process.

However, if you do not see the "Submit a claim" option, it indicates that online submission isn't possible for your case. In this situation, return to the previous screen from the claims tab and select the alternative option: "I want to submit a paper claim."

For any queries related to online claim submission, you can reach out to your plan administrator or contact them directly at 1-800-361-6212, Monday to Friday, between 8 a.m. and 8 p.m. ET. Alternatively, you can also send us a secure message by logging in to your Sun Life account.

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Healthcare in Moscow – Personal and Family Medicine

Emergency : 112 or 103

Obstetric & gynecologic : +7 495 620-41-70

About medical services in Moscow

Moscow polyclinic

Emergency medical care is provided free to all foreign nationals in case of life-threatening conditions that require immediate medical treatment. You will be given first aid and emergency surgery when necessary in all public health care facilities. Any further treatment will be free only to people with a Compulsory Medical Insurance, or you will need to pay for medical services. Public health care is provided in federal and local care facilities. These include 1. Urban polyclinics with specialists in different areas that offer general medical care. 2. Ambulatory and hospitals that provide a full range of services, including emergency care. 3. Emergency stations opened 24 hours a day, can be visited in a case of a non-life-threatening injury. It is often hard to find English-speaking staff in state facilities, except the largest city hospitals, so you will need a Russian-speaking interpreter to accompany your visit to a free doctor or hospital. If medical assistance is required, the insurance company should be contacted before visiting a medical facility for treatment, except emergency cases. Make sure that you have enough money to pay any necessary fees that may be charged.

Insurance in Russia

Travelers need to arrange private travel insurance before the journey. You would need the insurance when applying for the Russian visa. If you arrange the insurance outside Russia, it is important to make sure the insurer is licensed in Russia. Only licensed companies may be accepted under Russian law. Holders of a temporary residence permit or permanent residence permit (valid for three and five years respectively) should apply for «Compulsory Medical Policy». It covers state healthcare only. An employer usually deals with this. The issued health card is shown whenever medical attention is required. Compulsory Medical Policyholders can get basic health care, such as emergencies, consultations with doctors, necessary scans and tests free. For more complex healthcare every person (both Russian and foreign nationals) must pay extra, or take out additional medical insurance. Clearly, you will have to be prepared to wait in a queue to see a specialist in a public health care facility (Compulsory Medical Policyholders can set an appointment using EMIAS site or ATM). In case you are a UK citizen, free, limited medical treatment in state hospitals will be provided as a part of a reciprocal agreement between Russia and UK.

Some of the major Russian insurance companies are:

Ingosstrakh , Allianz , Reso , Sogaz , AlfaStrakhovanie . We recommend to avoid  Rosgosstrakh company due to high volume of denials.

Moscow pharmacies

A.v.e pharmacy in Moscow

Pharmacies can be found in many places around the city, many of them work 24 hours a day. Pharmaceutical kiosks operate in almost every big supermarket. However, only few have English-speaking staff, so it is advised that you know the generic (chemical) name of the medicines you think you are going to need. Many medications can be purchased here over the counter that would only be available by prescription in your home country.

Dental care in Moscow

Dentamix clinic in Moscow

Dental care is usually paid separately by both Russian and expatriate patients, and fees are often quite high. Dentists are well trained and educated. In most places, dental care is available 24 hours a day.

Moscow clinics

«OAO Medicina» clinic

It is standard practice for expats to visit private clinics and hospitals for check-ups, routine health care, and dental care, and only use public services in case of an emergency. Insurance companies can usually provide details of clinics and hospitals in the area speak English (or the language required) and would be the best to use. Investigate whether there are any emergency services or numbers, or any requirements to register with them. Providing copies of medical records is also advised.

Moscow hosts some Western medical clinics that can look after all of your family’s health needs. While most Russian state hospitals are not up to Western standards, Russian doctors are very good.

Some of the main Moscow private medical clinics are:

American Medical Center, European Medical Center , Intermed Center American Clinic ,  Medsi , Atlas Medical Center , OAO Medicina .

Several Russian hospitals in Moscow have special arrangements with GlavUPDK (foreign diplomatic corps administration in Moscow) and accept foreigners for checkups and treatments at more moderate prices that the Western medical clinics.

Medical emergency in Moscow

Moscow ambulance vehicle

In a case of a medical emergency, dial 112 and ask for the ambulance service (skoraya pomoshch). Staff on these lines most certainly will speak English, still it is always better to ask a Russian speaker to explain the problem and the exact location.

Ambulances come with a doctor and, depending on the case, immediate first aid treatment may be provided. If necessary, the patient is taken to the nearest emergency room or hospital, or to a private hospital if the holder’s insurance policy requires it.

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War in ukraine, free and up-to-date :), transportation to and from moscow sheremetyevo airport, what is the distance from moscow sheremetyevo airport to the centre of moscow.

The distance to the centre of Moscow (Saint Basil’s Cathedral / Red Square) is 34 kilometres from South Terminal Complex and 42 kilometres from North Terminal Complex. Thus, terminals A and B are further away from the city. Travel time between the airport and the city centre is 1 hour and 5 minutes. Unfortunately, it can be busy on the roads and you should take into account a car journey that takes longer.

From SVO Airport to Moscow City centre by Taxi

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Public transport

Train aeroexpress to moscow – buy tickets.

The fastest travel option between Moscow Sheremetyevo Airport and the centre of Moscow is the train Aeroexpress. You can get stuck in a traffic jam if you travel by car, taxi or bus, that won’t happen if you take the train. The Aeroexpress commutes between Belorussky Station in the city and the railway station at the airport, located on the south side of the airport at Terminal E. An automated people mover (APM) runs between this station and terminals A and B. The Aeroexpress departs every 30 minutes, travel time is 35 minutes.

From metro station Belorusskaya at Belorussky Station, you can travel by metro to the city centre and other parts of Moscow. The journey time from metro station Belorusskaya to metro station Teatralnaya close to Red Square is only 5 minutes.

Aeroexpress tickets The prices are listed below, an Aeroexpress ticket including a ride with the metro, tram or (trolley) bus costs 560 RUB, the price for a subway ticket is 55 RUB. You can buy tickets for the Aeroexpress at the stations, but it is cheaper to do this online. Please consult website and timetable Aeroexpress for more information.

SAVING TIPS: Tickets can be bought at the airport, but online it is easier and cheaper (450 RUB one way, 900 RUB return). A group ticket can be used by four people and costs 1,100 RUB for a single journey and 1,800 RUB for a return (valid for 30 days). The price is the same online and from the ticket machine. Aeroexpress trains run without stopping, besides you can use free WiFi aboard since early 2015.

Top 5 sights in Moscow

1. Red Square – free! 2. Moscow Kremlin 3. Saint Basil’s Cathedral 4. Moscow Metro Tour of 1.5 hours 5. Communist Walking Tour of 2 hours

Bus and metro to Moscow

It is more economical to travel by bus and metro to the centre of Moscow. Needless to say, taking a direct train is easier and faster. With bus 817 and bus 948 you can get in 35 minutes to metro station Planernaya (northernmost station metro line 7). With bus 851 and bus 949 it takes 25 minutes to metro station Rechnoy Vokzal (northernmost station metro line 2). The price of a bus ticket is 57 RUB or 80 RUB.

From both stations you can take the metro to the centre of Moscow, station Kuznetskiy Most for metro line 7 (travel time: 31 minutes) and station Teatralnaya for metro line 2 (travel time: 23 minutes). Metro station Kuznetskiy Most is a short distance from the world-famous Bolshoi Theatre. The total journey time is at least one hour. If the bus ends up in a traffic jam, the journey can take a lot longer.

Tickets for the subway priced 55 RUB are available from the ticket vending machines. You can also buy a day ticket (yediniy) for public transport in Moscow for 200 RUB, it is valid for 24 hours. During the night you can travel by bus H1 between the airport and the city every half hour. Please consult buses to and from Moscow Sheremetyevo Airport and  website Moscow Metro for more information.

“The metro stations with the most central location in Moscow are Okhotny Ryad (M1), Teatralnaya (M2) and Revolution Square (M3), at a short distance from Red Square, Kremlin and GUM.”

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Behind the iron curtain of tallinn - secrets of the soviets.

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Focus Updates

Update on out-of-country travel insurance.

Some plan members might be thinking of going on vacation outside of Canada this winter. It’s important that they understand their out-of-country coverage, and how it applies to COVID-19.

Travel Advisories

• The Government of Canada has lifted the travel advisory. The COVID-19 situation can change quickly and without warning. For example, borders can close quickly, and cancellation of flights to certain countries can occur. If this happens, plan members’ coverage could expire while they’re still abroad due to the length of the trip.
• now, fully vaccinated travelers entering Canada no longer have to quarantine when they arrive, and
• as of October 30, 2021 , travelers flying from Canadian airports are required to be fully vaccinated.
• However, there are additional border entry rules to Canada and other countries that plan members need to be aware of. Please encourage your plan members to stay informed of the rules before travelling to avoid unexpected delays and disruptions.
• While fully vaccinated travelers have significant protection against COVID-19 and variants of concern, this protection is not 100%. There’s still a risk that plan members could contract COVID-19. We’re urging plan members to follow Canada’s COVID-19 health guidelines when traveling outside of Canada, regardless of vaccination status. This includes wearing a mask, avoiding crowded places, and maintaining social distance from people outside of your immediate household or close travel group.

Important reminders

Trip duration limit:.

• For plan members leaving Canada, the trip duration limit in their contract applies. Plan members need to check their contract to ensure their trip duration falls within these limits. We won’t extend the trip limit even if travel home is restricted.  

COVID-19 Coverage:

• However, COVID-19 cases and hospitalizations in popular destinations are rising. This could mean restricted access for plan members to medical facilities (for any medical emergency). A medical emergency is an acute illness or accidental injury that requires immediate, medically necessary treatment prescribed by a doctor.
• test positive for COVID-19 but are asymptomatic or are experiencing mild symptoms that do not require immediate medical treatment; or
• test negative for COVID-19 but are still required to quarantine.

Trip cancellations or delays:

• flight cancellations, delays, or other expenses caused by border closures,
• difficulties meeting Canada’s border entry requirements, or other trip disruptions due to COVID-19.

COVID-19 Tests :

• The Canadian government requires a negative COVID-19 test for all travelers at least 72 hours before arriving to Canada. This is regardless of whether they’re vaccinated or not. Sun Life does not cover the cost of COVID-19 tests under Out-of-Country Travel, Extended Health Care, or Personal Spending Accounts. Plan members may have coverage under a Health Spending Account. That’s if it’s prescribed by a doctor or nurse practitioner.

If your plan members decide to travel :

• We strongly encourage plan members to consider getting fully vaccinated prior to travelling. Full vaccination ensures they’ll have significant protection against COVID-19. It will also reduce the risk of serious illness and/or hospitalization while abroad.
• We highly encourage plan members to purchase additional travel insurance, including trip cancellation and interruption insurance, before leaving.
• In the event of an emergency, plan members can call Allianz at 1-800-511-4610. They are available 24/7 and the number is toll free.
• Medical resources in some countries handling COVID-19 can be extremely taxed and there may be delays in assistance that are beyond the control of Sun Life and Allianz.

This plan member communication provides an overview of what plan members need to know if they travel abroad this winter. Please share it with your plan members. It’s important they know their coverage details before they decide to travel.

Questions? We’re here to help.

If you have fewer than 50 employees, please contact your Client Service Administrator at 1-877-786-7227

If you have more than 50 employees, please contact your Sun Life Group Benefits representative.

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Moving to Moscow

This guide was written prior to Russia’s 2022 invasion of Ukraine and is therefore not reflective of the current situation. Travel to Russia is currently not advisable due to the area’s volatile political situation.

Moscow is an incredibly large, interesting and challenging destination offering a wide variety of experiences for expats. There is much to see and learn about Russian culture in the capital city, and expats will certainly not be bored among the hustle and bustle of Moscow's lively streets. 

Living in Moscow as an expat

Moscow is a constantly changing and rapidly expanding city. As it's one of Russia's main economic centres, the majority of expats moving to Russia for work  settle here. Moscow offers job opportunities in a range of fields, from technology and finance to human resources and teaching. These generally come with a rather lucrative employment package but are hard-earned and can be difficult to find. 

Moscow has an extensive public transport system. The most common means of transport is the efficient, safe and cheap metro. Many of the metro stations are lavishly decorated and constitute works of art in themselves. During rush hour, it can get crowded, especially in the centre. Traffic congestion can be nightmarish in Moscow, and many expats choose to hire a driver rather than brave the roads alone.

Moscow is by no means short of cultural activities and events . No visit is complete without a trip to the Bolshoi Theatre, and ballet performances at the Kremlin Palace are outstanding. There are several fascinating museums in the city, as well as wonderful architecture. 

Cost of living in Moscow

Moscow has a relatively high cost of living. While it's cheaper than many of the world's major capitals, accommodation comes at a huge cost, and those who choose to live lavishly will also pay dearly for it. That said, those with money can enjoy a luxurious  lifestyle in Moscow that's on par with any major international city.

Expat families and children

Expat families should note that the standard of public education and hospitals can be considerably lacking in Moscow. That said, expats always have the option of sending their children to one of the private or international schools located in the capital. There are also numerous private healthcare facilities available that expats can visit.

Parents will be glad to know that Moscow is filled with attractions and activities to entertain the kids. Families will also discover that some of Moscow’s most attractive features are the many public parks dotted throughout the city, which give it a more spacious and leafier feel. Going for a walk in the park is a daily habit for many residents, and families with children can make use of these green spaces for a day spent outdoors.

Climate in Moscow

Unlike the rest of Russia, Moscow has a humid continental climate. Summer weather is warm, with average daytime temperatures of  73°F (23°C). Most of the city's rainfall occurs during the summer months. Winters, on the other hand, are long, cold and snowy.

Expats in Moscow who can keep an open mind will find that the Russian capital has a lot to offer. Before moving to Moscow, expats should read as much as they can about the city to prepare themselves and to minimise any initial culture shock . One of the best ways to prepare for relocating to Moscow is to learn how to read the Cyrillic alphabet and speak some basic Russian.

What do expats love about Moscow? " What I like the most about Moscow is the city itself. It is always clean, vibrant, and full of entertainment and friendly pedestrians. It means that you can walk as far as you want to and feel safe about doing so." Read more about Eva, an Indonesian expat, and her move to Moscow in her interview.  " Honestly, I think Moscow is highly underrated. Compared to other metropolitan cities in the world, I think it is one of the best cities for quality of life! "Expats usually relocate here for business purposes since there are plenty of opportunities to take advantage of. Another bonus is the fast pace of city life, which is great for many expats."  Read about Russia from the perspective of a Russian – Yulia, a global nomad, shares her thoughts on life in Moscow .

Further reading

►For info about the ups and downs of life in the city, read Pros and Cons of Moving to Moscow .

Are you an expat living in Moscow?

Expat Arrivals is looking for locals to contribute to this guide, and answer forum questions from others planning their move to Moscow. Please contact us if you'd like to contribute.

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