OTIP Ontario Teachers Insurance Plan

Health, Travel & Dental

RTIP makes it easy to get the protection you need and the value you deserve.

Learn more about RTIP’s comprehensive plans » 

Apply online


Why choose RTIP?

  • No age restrictions and no membership fees.
  • Three health care plans to choose from, with different prescription drug maximums and the freedom to increase or decrease your coverage at your next renewal.*
  • Deluxe travel insurance is included in every RTIP plan and provides coverage for up to 95 consecutive days per trip, with unlimited trips per year!
  • You have the option to add dental coverage at any time, without penalty.
  • Online claims are easy! Submit your claims online and your reimbursement will be deposited directly into your bank account.
  • Complimentary access to these important services:
    • CAREpath – the Cancer Assistance Program.
    • Express Scripts Canada Pharmacy – when you use this home delivery program, you receive 100% coverage for your generic maintenance prescription drug expenses (or 90% of brand name prescriptions).
    • Edvantage – special offers, contests and special events.
    • The Seniors’ Care Assistance Program™, provided by Bayshore HealthCare, offers assistance to you and your parents in navigating through the multitude of senior support services and programs available in Canada.

* Once you decrease your health coverage, you must wait two years before you are able to increase your coverage again. You may increase only one level and decrease two levels at a time. 

Who is eligible?

All retired Ontario education employees, their families and survivors are eligible to apply for coverage under an RTIP plan. There is no age restriction to join RTIP. You must reside in Ontario and be covered under OHIP at the time of application.

When is medical evidence required?

What retirement stage are you at?
Please select one.
Is medical
evidence required
when you apply?

For more information:

Apply online


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