The Co-operators Group Insurance: All You Need to Know

The Co-operators Group Insurance: All You Need to Know

The Co-operators Group Ltd provides group insurance benefits to millions of members throughout Canada. It also strives to invest in local communities and contribute to a sustainable society.

The Co-operators Group Review

The Co-operators Group Ltd, established by farmers in 1945, is a Canadian multi-line insurance and financial services co-operative made up of 44 member organizations located throughout Canada. Its insurance offerings include group, life, home auto, farm, business, travel, and event insurance.

The Co-operators Group Benefits Products

The Co-operators Group products include:

Extended Health Care and Dental

Health Care, vision, and dental benefits

ContinYou™ Individual Health and Dental Coverage

Individual health and dental benefits for members and their families who are no longer covered by a group plan (members must apply within 60 days of group coverage termination and must also receive coverage from their provincial health insurance plan)

ContinYou™ GOLDEN Retiree Health and Dental Coverage

Provides individual health and dental coverage for retirees aged 50-75 (members must apply within 60 days of group coverage termination, purchase coverage, and must also be Canadian residents)

Drug Plans

Flexible plans available for direct pay and reimbursement drug plans

Mental Health Care

Psychology benefits, expanded treatment delivery methods, and many practitioner choices

Emergency Medical Travel Assist

24-hour phone support from a qualified representative

Emergency Out-of-Country Care

Emergency medical care for members travelling outside of Canada (with coverage limited to the period specified in the member’s group benefits plan)

Health Spending Account (HSA)

Reimbursable medical expenses that qualify under the Income Tax Act or a private health services plan

Personal Spending Account (PSA)

Reimbursable health- and wellness-related expenses that are not CRA-reimbursable, such as health and fitness coverage

Life and Accidental Death and Dismemberment (AD&D)

Add-on benefit for members and spouses who are in good health that provides financial benefits if the individual dies or loses speech, sight, hearing, a limb, or becomes paralyzed as the result of an accident

Critical Illness

Financial support after a covered critical illness diagnosis


Financial support for members who are disabled, with both short-term and long-term disability benefits available

Wellness and Prevention

WellnessNow provides several options to support plan members with maintaining their health, wellness, and productivity—Support services include online education and support, confidential counselling, employee intervention, and second opinion consultations

Equitable Life: Group Benefits and Resources

As one of Canada’s largest life insurance providers, Equitable Life Group Benefits offers a unique approach to your staff’s specific needs. Learn how here.

The Co-operators FAQ

What are Group Insurance Benefits?

Group insurance benefits are packages that employers offer to their employees as part of their compensation. Benefits that The Co-operators Group offers include health, dental, life insurance, and other benefits.

What are Group Health Benefits?

Group health benefits include health, dental, vision, critical illness, disability insurance, and health benefits such as prescription drug plans and wellness education.

Are Group Health Benefits Taxable in Canada?

Group health benefits aren’t taxable in Canada if there is a formal arrangement, often a Private Health Services Plan (PHSP), between the employer and the employee.

The Co-operators Group Downloadable Forms

Many of The Co-operators Group benefits forms and claims forms are available to download from the company’s website:

Forms need to be returned by mail to the address indicated on the form (addresses vary between forms).

The Co-operators Contact Information

Primary Address: 1900 Albert Street Regina, SK S4P 4K8

Important Contact Numbers:

  • Group Benefits General Inquiries: 1-800-667-8164
  • Emergency Medical Travel Assist: 1-888-440-2667 (US and Canada) / 800-842-08420 (Worldwide)

Learn More About The Co-operators Group

For more information on choosing The Co-operators Group benefits, fill out our quick form for a free quote. We’ll not only send you rate information for The Co-operators but other top Canadian providers as well.

Individual Health & Dental Plans

Do You Need a Group Benefits Plan? can quickly help you save money by comparing major group health insurance provider rates across Canada.

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