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.
  • Five health care plans to choose from, with four different prescription drug maximums.
  • Freedom to increase or decrease your coverage at your next renewal.*
  • Deluxe travel insurance is included in every RTIP plan and provides coverage for trips up to 95 consecutive days!
  • 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.

* Once you decrease your health coverage, you must wait two years before you are able to increase your coverage again. An increase to the Gold Elite plan or an increase of more than one plan level requires medical evidence of insurability.
† Gold Elite is the only RTIP plan with an age limit. Once you turn 65, this plan terminates, and you are automatically enrolled in the RTIP Gold plan (with a $750 drug maximum), unless you select a different RTIP plan.

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?

*A medical evidence of insurability form is required to apply for, or increase to, the Gold Elite plan.

For more information:

Apply online


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