🇨🇦 Canada - Insurance Benefits, Team Member Overview

Your local benefits packages provide you with benefits tailored to your country. 

Coverage highlights


Some of the coverage highlights of our insurance include:

  • Comprehensive outpatient care, including drugs, vision, and therapies.
  • Dental coverage on minor and major procedures
  • Life, AD&D, and Long-Term Disability
  • Critical Illness
  • Travel Insurance
  • Employee Assistance Program (EAP)

Your company will define which of the above benefits will be offered. 

Benefits providers

Oyster works with Canada Life, Canada’s top local insurance provider, which understands the market and offers reliable service.

  • Health Insurance: Canada Life
  • Dental & Vision: Canada Life

Enrollment process

  • You will receive an e-mail from Canada Life inviting you to log in and enroll in your benefits.
  • Once you finish the enrollment in Canada Life, you will receive a confirmation e-mail. You will be asked to log in to set up your online account and add any eligible beneficiaries.
  • You will have 31 days from our start date at Oyster to enroll yourself and your dependents. 
  • After this deadline, Canada will consider any new inclusion request as late enrollment.
    • To enroll yourself and/your dependents, you will have to contact Oyster Support.
    • Late enrollees’ coverage will have restrictions applied for the next 12 months.

Please note that you must be working full-time (more than 24h/week) to be eligible to Canada Life.

How can I view my insurance enrollment status?

You will receive an e-mail from Canada Life requesting you to enroll in the plan. After you complete the process, you will receive another mail confirming your enrollment.

When will my insurance coverage be active?

Your insurance will be active from the date you complete your enrollment on the Canada Life platform.

How do I log in to the insurance platform?

You can log in at https://my.canadalife.com/sign-in. You must use the e-mail and password defined at the time of your enrollment.

Where can I find my policy details?

You can find them on the links at the end of this page.

When can I enroll?

You will have 31 days to enroll, counting from your joining date in Oyster. 

What will happen if I want to enroll at a later date?

Suppose you decide to enroll after 31 days. In that case, you will have to contact our support team to initiate the late enrollment process, which will involve additional steps and documentation from your end. 

Your insurance will only be active when Canada Life completes the approval process. 

Also, your coverage will have some limitations, such as reduced reimbursement values, during the next 12 months.

How can I opt out?

For non-mandatory plans only. Mandatory plans do not allow plan members to opt out of coverage.

If a plan member chooses to opt-out, they refuse all coverage.

Plan members cannot choose to opt out of specific coverage.
A plan member must give proof of good health if they decide to re-join the plan later.

Plan members can waive their health, vision and dental benefits only if a spousal plan covers the plan member and/or their eligible dependents. Spousal information must be noted in the enrollment submission.

Please note that vision is a part of the health coverage and cannot be separated. The dental is a standalone benefit.

Conditions for waiving health and dental benefits

  • Non-mandatory and mandatory plans allow plan members to waive Health and Dental coverage only.
  • Plan members must have the same or better coverage under their spouse’s plan in order to waive health and dental coverage.
  • All other coverage cannot be waived.
    • Examples of coverage that cannot be waived: Long and short-term disability, life, accidental death and dismemberment, critical illness.
  • Plan members can waive coverage for themselves and their dependents or dependents only.
  • Dependent information must still be completed on the application form if the plan includes dependent life insurance.
  • Single plan members cannot waive coverage.
  • A plan member can re-join the plan for health & dental coverage without having to provide proof of good health if:
    • Health and dental coverage was lost under the spousal plan, or
    • There was a reduction of health and dental coverage under the spousal plan.
  • For non-mandatory plans, the member needs to apply within 31 days of the loss, and for mandatory plans the plan member needs to apply within 12 months of the loss.

For any other reason, proof of good health will be required.


Claims and reimbursement

How do I request reimbursement from Canada Life?

There are three ways to submit your health and dental claims:

  • Paper
  • Online via Canada Life
    • Sign in to the platform and submit your claims.
  • Through your healthcare provider
    • Your pharmacist, dental office, optical location, or paramedical provider can submit a claim on your behalf.


Are there any taxes applicable to my Benefits?

Taxable benefits are: Life insurance, dependent life, AD&D and CI. Additionally, employer-paid health and dental premiums are taxable in Quebec.


How do I add a dependent? Can I add them at any time?

You must add eligible dependents at your enrollment within the 31 days deadline. If you decide to enroll them later, the same process and restrictions will apply to their enrollment. 

In the case of newborns or marriage/common-law relationships, the new dependent should be included up to 31 days after the birth/ date of the union.

Which dependents can I add to my plan?

You can add your spouse/partner and children up to 22 years old as dependents. Other relatives, such as parents, brothers, and grandparents, are not eligible.


What are my emergency contacts? What should I do in such cases?

In case of medical emergencies, you can call Canada Life's global 24/7 helpline.

Canada & United States Cuba Rest of the world
1-855-222-4051 1-204-946-2946 1-204-946-2577

You can request reimbursement for long-distance charges from calls outside Canada and the US by including the receipt as part of your claim.

Is there a benefits card?

No. But you will receive your policy number through e-mail (from Canada Life). With that information, you will have access to all the coverage applicable to your plan.


When do I contact Oyster Support or the benefits vendor directly?

In case of questions related to your insurance policies, you should reach out directly to Canada Life through the platform or by phone.

Health & Dental Life, AD&D Critical Illness EAP
1-800-957-9777 1-855-812-4211



Downloadable Brochures

Coverage details 

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