Get a car or home insurance quote from OTIP and receive a $20 gift card of your choice.*
Our dedicated team provides OTIP members with courteous, fair and professional property and casualty claims services.
Retired or planning to in the next 5 years? Join us for a free retirement workshop or webinar!
Need to download a form? Choose the one most relevant to you!
Home > For Retirees
Retired Teachers Insurance Plan (RTIP) offers the most flexible health, dental and travel insurance to all members of the retired education community including educators, administrative and support staff.
RTIP offers the most flexible health, dental and travel insurance for the retired Ontario education community. We provide three drug coverage maximums and Single, Couple, and Family plan options to fit your needs.
Answer these four short questions and find out which of our plans is right for you!
Please enter a valid amount (no spaces or special characters).
If you and your spouse have different prescription drug needs, you may be able to save money by purchasing two Single plans with different maximums. Call us at 1-844-856-7139 if you have questions.
If not, you can add dental coverage to your plan any time in the future without penalty.
Both our Gold 2500 and Plus 4000 plans include semi-private hospital coverage.
Children under the age of 21 (31 if in school) are eligible for dependant coverage. Any two family members qualify for Couple coverage. If you do not have an eligible spouse, you and your dependent child can qualify for Couple rates.
If you have any questions or to learn more, please call 1-844-856-7139 or register for a free webinar.
To receive an email reminder closer to your retirement, provide your email address and estimated retirement month and year.
To find out which plan is right for you, please call 1-800-267-6847, Monday to Friday, 8 a.m. to 5 p.m.
All RTIP health plans include access to Carepath Digital Health Cancer Care and Elder Care programs, FeelingBetterNow®, ALAViDA, Starling Minds, and the Edvantage savings program.
Comprehensive travel insurance always included
Every RTIP health plan provides coverage for trips up to 95 consecutive days per trip. LEARN MORE.
Fast, easy claims processing
Submit your claims online and your reimbursement will be deposited directly into your bank account.
* You may increase only one level at a time and decrease two levels at a time. Once you decrease your health coverage, you must wait two years before you are able to increase your coverage again.
What retirement stage are you at? Please select one to view your plan eligibility.
Have a dependant?
Members’ unmarried, unemployed children under the age of 21 (under 31 if attending school full-time) are eligible for dependant coverage under an RTIP plan. There is no age limit for unmarried, dependant children who are incapable of self-sustaining support due to mental or physical disability that occurred prior to age 21. Keep in mind that any two family members can qualify for couple coverage.
Cancelling your plan
If you decide to cancel your coverage after 12 months, you must wait 24 months before you can apply for RTIP coverage again.
OTIP partners with the ARM (Active Retired Members) Organization of the Ontario Secondary Schools Teachers’ Federation (OSSTF).
Compare detailed plan benefits and premiums.
See the difference! Compare RTIP's health and dental plans.
Outline of reasonable and customary limits for paramedical services.
The site you have selected is an external one located on another server.