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GMS requires a completed claim form, original itemized receipts including your name, GMS ID number, date and details of service, as well as physician referral where indicated. Claims must be submitted within 12 months from the date of service and no later than 30 days following the expiry date of the policy.

NOTE: Pharmacies, dentists as well as health and vision practitioners (ex. Massage Therapist, Chiropractor, Optometrist) can directly bill GMS for covered expenses, using your pay-direct card. See eClaims Provider Locator to find health and vision service providers near you.

GMS Replacement Health Drug Lookup Tool


Sun Life:

Sun Life must receive eligible claims within 12 months of the date the eligible expense was incurred. Claims submitted more than 12 months after the expense was incurred are not eligible. If the policy ends, Sun Life must receive all eligible claims within three months of the policy end date. More Info.



Full written proof of claim satisfactory to Manulife must be submitted within 12 months from the date charges are incurred. More info.