Using Private Insurance for Incontinence Supplies

Quick answer: Many Canadian group and individual health plans, such as those from Sun Life, Manulife, Canada Life, Green Shield and Blue Cross, cover incontinence and catheter supplies under medical supplies benefits, often with a prescription. Coverage limits vary widely, so call your insurer with the product details and ask what's covered, how much, and what paperwork they need. Plans change often, so check again before each new order or plan renewal.

Disclaimer: The information in this guide is intended for general informational purposes only and does not constitute medical, legal, tax or financial advice. Program rules and coverage change often, so always confirm details directly with the program, your insurer, or a tax professional, and speak with your doctor, nurse, or continence specialist about your medical needs. We do our best to keep this information accurate and up to date, but we can't guarantee that it is complete or error-free.

Download this guide (PDF)

Questions to ask your insurer

  • Are incontinence supplies (briefs, underwear, pads) covered under my plan?
  • Are catheters and external catheters covered?
  • Do I need a prescription or a letter from my doctor?
  • Is there an annual or lifetime maximum?
  • What percentage is reimbursed?
  • Do I need pre-approval?
  • How do I submit a claim for reimbursement?

How to claim

  1. Get a prescription listing the product type, and ideally the quantity per month.
  2. Order from ActivKare and pay at checkout. ActivKare doesn't bill insurers directly, but every order comes with a receipt.
  3. Submit your receipt with your prescription through your insurer's app or website.
  4. Keep copies of all receipts and prescriptions. Any amount not covered may be claimable on your taxes.

Using a Health Spending Account

If you have a Health Spending Account (HSA), it can often cover eligible medical expenses that your regular plan doesn't, including incontinence products.

Frequently asked questions

Are adult diapers covered by insurance in Canada?

Often, yes, through medical supplies benefits. Check your plan's details and whether you need a prescription.

Can I use insurance and a government program together?

Sometimes. Programs usually require you to claim from private insurance first. Ask both.

Can I get an itemized receipt for my claim?

Yes. Every ActivKare order comes with a receipt you can submit.

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