Search results for: “health insurance” (163 results)
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Products
Personal
Life Insurance
Life Insurance Secure a future for your loved ones. Planning for the future can feel overwhelming, but protecting those you…
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Personal
Equine Insurance
Equine Insurance Insurance for horses and their people. Our equine insurance specialists are horse owners, riders and enthusiasts, and we’re…
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Business
Faith Guard Insurance Program
Faith Guard Insurance Program Tailor-made insurance for religious organizations. Your religious organization is dedicated to providing support, guidance and connection…
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Business
Professional Liability Insurance
Professional Liability Insurance Reducing your risk, protecting your reputation. Professional liability insurance, or errors & omissions (E&O) insurance, helps protect…
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Personal
Off-Road Vehicle Insurance
Off-Road Vehicle Insurance Coverage built for getting off the grid. Ensure you have peace of mind, even as you head…
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Personal
Critical Illness Insurance
Critical Illness Insurance Focus on healing and take care of your future. A serious illness can leave you facing not…
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Benefit
Group Life Insurance
Group Life Insurance Empower your workforce and secure their future. Group life insurance is an important component of your total…
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Personal
Pet Insurance
Pet Insurance Find the right protection for your furry friends. We know your pet is a special part of your…
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Personal
Disability Insurance
Disability Insurance Coverage that works when you can’t. The financial stress of a sudden illness or unexpected injury can be…
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Personal
Strata Deductible Insurance
Strata Deductible Insurance Protect yourself against rising strata deductibles. Water damage and sewer backup deductibles on strata corporations’ insurance policies…
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Business
Insurance for Indigenous Communities & Organizations
Insurance for Indigenous Communities & Organizations Specialized coverage for Indigenous communities. Acera Insurance is an exclusive provider of the Alliance…
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Personal
Individual Health and Dental Plans
Individual Health and Dental Plans Extended health and dental coverage just for you. Whether you don’t have access to an…
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Business
Public Entities & Municipalities Insurance
Public Entities & Municipalities Insurance Covering those who serve Canada’s communities. Our specialized insurance programs, including risk management and claims…
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Business
Small Business Insurance
Small Business Insurance We help small businesses see the big picture. Small businesses can vary in terms of their size,…
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Coverage
Group Insurance – William Osler Health System
William Osler Health System Home & Auto Insurance Program William Osler employees get exclusive discounts and dedicated service with our…
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Coverage
Group Insurance – Headwaters
Available to members of Headwaters Health Care Centre Acera Insurance and our employees who reside in the Orangeville and Greater…
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Coverage
Group Insurance – Ontario Federation of Independent Schools
Available to members of Ontario Federation of Independent Schools (OFIS) Being a member of Ontario Federation of Independent Schools has…
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Coverage
Group Insurance – CCMA
Available to Members of the Canadian Council of Montessori Administrators (CCMA) Being a member of the Canadian Council of Montessori…
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Coverage
Group Insurance – The Dufferin Board of Trade
Available to Members of The Dufferin Board of Trade Acera Insurance and our employees who reside in the Orangeville and…
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Coverage
Kingston Commercial Insurance Client Group Program
Exclusive Home & Auto Insurance Savings Everyone wants to save on their insurance — and as a valued Acera Insurance…
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Coverage
Richmond Commercial Insurance Client Group Program
Exclusive Home & Auto Insurance Savings Everyone wants to save on their insurance — and as a valued Acera Insurance…
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Coverage
Group Insurance – Milton Chamber of Commerce
Milton Chamber of Commerce Home & Auto Insurance Program Milton Chamber of Commerce members get exclusive discounts and dedicated service…
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Coverage
Group Insurance – FMCA
FMCA Home & Auto Insurance Program FMCA members get exclusive discounts and dedicated service with our group home and auto…
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Coverage
Day Care Operators Group Insurance
Available to Members of The Association of Day Care Operators Being a member of The Association of Day Care Operators…
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Coverage
Group Insurance – Ottawa Board of Trade
Ottawa Board of Trade Home & Auto Insurance Program Ottawa Board of Trade members get exclusive discounts and dedicated service…
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Coverage
Group Insurance – Brampton Board of Trade
Brampton Board of Trade Home & Auto Insurance Program Brampton Board of Trade members get exclusive discounts and dedicated service…
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Coverage
Group Insurance – USW
United Steelworkers Group Insurance Program Get exclusive discounts and dedicated service with our group home and auto insurance program. Start…
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Coverage
Group Insurance – KPA
KPA Kingston Group Insurance Program Get exclusive discounts and dedicated service with our group home and auto insurance program. Start…
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Coverage
Miskanawah Group Insurance
Miskanawah Group Insurance Miskanawah employees can benefit from major insurance savings with our exclusive group discount program. Enter to Win…
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Coverage
Group Insurance – Huntsville/Lake of Bays
Available to Members of Huntsville Lake of Bays Chamber of Commerce Being a member of the Huntsville/Lake of Bays Chamber…
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Coverage
Group Insurance – Halton Hills Chamber of Commerce
Available to Members of Halton Hills Chamber of Commerce Being a member of the Halton Hills Chamber of Commerce has…
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Coverage
Unifor Group Insurance
Available to members of Unifor Local 1285 Being a member of Unifor Local 1285 has its advantages. You can save…
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Coverage
Group Insurance – Brampton Board of Trade
Available to Members of Brampton Board of Trade Being a member of the Brampton Board of Trade has its advantages….
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Coverage
Milton Chamber of Commerce Group Insurance
Available to members of Milton Chamber of Commerce Being a member of the Milton Chamber of Commerce has its advantages….
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Coverage
Group Insurance – CFB Military
CFB Kingston Group Insurance Program Get exclusive discounts and dedicated service with our group home and auto insurance program. Start…
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Coverage
Group Insurance – OPP
OPP Kingston Group Insurance Program Get exclusive discounts and dedicated service with our group home and auto insurance program. Start…
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Coverage
British Columbia Assisted Living Facility Insurance
BC Assisted Living Facility Insurance Get a Free Quote Business insurance for assisted living facilities in British Columbia Assisted living…
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Coverage
Conklin Resource Development Insurance
In partnership with Conklin Resource Development Advisory Committee, Acera Insurance is proud to offer tenant insurance for their clients. Please…
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Personal
Group Rates
Group Rates Working together to save on your home and auto insurance. Everyone wants to save on their insurance. Acera…
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Benefit
Group Benefits Consulting
Group Benefits Consulting Supporting healthier, happier, more productive teams. Having a dedicated team is integral to success, making employees one…
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Coverage
iTel Benefits Plan
iTel Employee Benefits Plan Looking for iTel Group Retirement? Click here. The Group Benefits Plan is designed to: Be meaningful…
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Coverage
Red Deer District Chamber Group Program
Red Deer District Chamber Group Program Red Deer District Chamber members get exclusive discounts and dedicated service with our group…
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Coverage
Fall River and Area Discount
Fall River and Area Discount Acera Insurance clients within Fall River and the surrounding area can benefit from major insurance…
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Personal
Coverage
Troika Benefits Plan
Troika Employee Benefits Plan The Group Benefits Plan is designed to: Be meaningful and supportive of the associate and their…
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Coverage
CAA Benefits Plan
Health & Dental Benefits for Canadian Avalanche Association Members Participation is limited to ACTIVE members. Association dues must be paid…
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Coverage
ACMG Benefits Plan
Health & Dental Benefits for ACMG Members Participation is limited to ACTIVE members. Association dues must be paid for the…
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Coverage
Commercial Valuables and Collections Quote
Connect with a Commercial Collections Insurance Specialist
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Coverage
HCBC Benefits Plan
Health & Dental Benefits for Horse Council BC Members Coming May 1, 2025 Request Your Enrolment Invitation As committed partners…
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Coverage
Ontario Equestrian Benefits Plan
Health & Dental Benefits for Ontario Equestrian Members Now live! Request Your Enrolment Invitation As committed partners of Ontario Equestrian…
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Coverage
Protected: Application for Release Prior to Payment of Goods (RPP) Financial Security/Bond
Application for Release Prior to Payment of Goods (RPP) Financial Security/Bond INSTRUCTIONS 1) Please complete the below application form to…
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Coverage
Showpass Benefits Plan Demo
Showpass Employee Benefits Plan (Demo) Summary of Benefits Life Insurance and Accidental Death & Dismemberment 1 X annual earnings to…
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Coverage
Cyber Safe
Cyber Insurance Protect your family and home from digital threats. We talk about home security and fire safety with our…
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Coverage
ABC Co. Benefits Plan
ABC Co. Employee Benefits Plan Summary of Benefits Life Insurance and Accidental Death & Dismemberment 1 X annual earnings to…
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Coverage
Falkbuilt Benefits Plan
Falkbuilt Employee Benefits Plan Summary of Benefits Life Insurance and Accidental Death & Dismemberment 1 X annual earnings to a…
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Coverage
REMAX Group Benefits
Group Benefits RE/MAX has leveraged the power of the brand to negotiate an exclusive group benefits plan for RE/MAX realtors…
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Benefit
Indigenous Group Benefits & Retirement
Indigenous Group Benefits & Retirement Tailored benefits for your community. At Acera Benefits, we offer expert advice on group benefits…
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Coverage
Ontario Equestrian Individual Equine Liability Message
Equine Individual Liability Insurance For those that work with us, you know that we strongly support the work that Ontario…
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Coverage
Venture Elevator Benefits
Venture Elevator Group Benefits and Group Retirement Plans Employee Benefits Plan Our Benefits Plan is designed to: Be meaningful and…
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Coverage
Structurlam Benefits Plan
Structurlam Wellness Plan Thriving together The new Flexible Benefits component of our Wellness Plan is designed to: Be meaningful and…
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Benefit
Employee Financial Wellness
Employee Financial Wellness Supporting your employees’ financial well-being. We believe financial well-being is the key to a happy and productive…
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Coverage
Aplin Martin Benefits Plan
Group Benefits forAplin Martin About Acera Benefits We are a leader in employee benefits, retirement and insurance consulting. Our mission…
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Coverage
I-XL Employee Benefits Plan
I-XL Employee Benefits Plan Our Benefits Plan is designed to: Be meaningful and supportive of the associate and their family’s…
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Coverage
CME Group Benefits Plan Details
CME Group Benefits Plan We’ve worked with our partners to build the following plan design, exclusive for CME Members. TypePharmacare…
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Coverage
CME Group Benefits
CME Group Benefits Exclusive offer for CME members As a valued member of Canadian Manufacturers & Exporters, we have worked…
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Benefit
Group Retirement Consulting
Group Retirement Consulting Empowering your employees’ futures. Acera Benefits has been helping clients across Canada design and manage their group…
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Resources
Post
Putting an End to Condo Chaos: What You Need to Know about Condo Insurance in BC
Across the country, condo insurance is making headlines: Changes to the strata insurance marketplace have premiums skyrocketing, and coverage needs…
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Page
Insurance Glossary
Insurance Glossary Key insurance terminology. Like many others in specialized or highly technical fields, insurance professionals can use a lot…
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Post
Travel Insurance FAQs
Travel insurance helps give you peace of mind about your financial security when the worst happens. No one wants to…
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Post
A Guide to Winter Holiday Travel Insurance
Are you heading home for a Christmas family vacation? Or are you escaping the January or February weather with a…
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Post
Milton Business Insurance Endorsements, Defined
As a hardworking business owner in the city of Milton, Ontario, you’re probably well aware that operating a firm of…
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Post
Insurance for Canadian Snowbirds
Many Canadians head to warmer climates to escape the long, cold winter. Whether they go for a month or six,…
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Post
Five Reasons You Should Consider a Career in Insurance
Let’s be honest – the insurance industry doesn’t sound exciting. Unless you have family or friends telling you about how exciting…
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Post
Can I get travel medical insurance if I have a medical condition?
Travelling should be fun and relaxing, but, unfortunately, it can be stressful if you have to deal with a medical…
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Post
Communication, Respect, and… Yoga?: How to Improve Mental Health in the Workplace
Mental health has been a topic of much discussion the past few months: what are the impacts of a global…
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Post
A Guide to Shared Electric Scooter Insurance
Electric scooters were all the rage in Calgary and Edmonton after their launch in the summer of 2019. Lime and…
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Post
Does provincial health care cover me across Canada?
Most Canadians love their universal health care. Yet we often forget that health care is a provincial responsibility. When we…
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Post
8 Reasons Why Travel Insurance Claims May Be Denied
No one wants anything bad to happen while they’re on vacation but if it does travel insurance can help cover…
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Page
CCV Insurance
CCV Insurance is now Acera Insurance. CCV Insurance, as part of the Rogers Insurance Group, has transitioned into Acera Insurance….
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Post
How University Attendance Affects Insurance
Heading off to university is a major life event. With such major changes, it’s no wonder that insurance is not…
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Post
Legal Marijuana Grow Ops: An Insurance Perspective
With the legalization of marijuana now officially given a date and many legal growing operations having already emerged to provide…
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Page
Rogers Insurance
Rogers Insurance is now Acera Insurance. Rogers Insurance Group has transitioned to become Acera Insurance. As one unified company, we…
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Post
There’s Insurance for That: Medical Malpractice
We have all heard of malpractice – it is often the villain in episodes of soapy medical dramas – but…
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Post
Summer Road Trips and Your Insurance
Who doesn’t love a summer adventure? Whether you’re escaping for a weekend to a new city or heading out for…
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Post
2022 Insurance Market Forecast
The hard market challenges of the past few years will continue into 2022. But there is good news — things…
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Post
Insurance solutions for Canadians, by Canadians
As an independent and Canadian company, Acera Insurance provides guidance that is impartial, shaped by local realities and driven by…
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news
Acera Insurance expands to Saskatchewan with BMA Group partnership
Jan. 9, 2025 — Acera Insurance Services Ltd. is pleased to announce its partnership with BMA Group, one of the…
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news
Green Benefits Group joins Acera Insurance, expands Acera Benefits division
CALGARY, March 25, 2024 — Acera Insurance Services Ltd. and Green Benefits Group Inc. have announced their new partnership. This…
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news
Prizm Financial joins Acera Insurance, expands Acera Benefits division
CALGARY, July 27, 2023 — Prizm Financial Inc. has joined Acera Insurance Services Ltd. This merger expands Acera Insurance’s specialty…
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Post
How is my insurance affected if I import or export products?
If your business is considering importing and exporting products it is extremely important to understand how your company’s insurance may…
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Post
Wildfire smoke: How to protect your health and wellbeing
Summer in Canada is synonymous with long, sunny days, warm evenings and, increasingly, wildfires. Even if a blaze doesn’t present…
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Post
How to Renew Your ICBC Insurance
Like pretty much everything else in the world, the way ICBC does business has changed in the past year. At…
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Post
Driver Health Weighing Down Transportation Industry
The health and wellbeing of professional drivers must be prioritized as part of efforts to improve safety behind the wheel…
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Post
The impact green roofs have on insurance and risk management for roofing contractors
As governments across Canada have increasingly committed to promoting environmental sustainability and resilience in urban environments, they’re setting their sights…
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Post
Is mould covered by home insurance?
Mould is a fungal growth generally found on organic matter in moist, warm conditions. It can be found in drywall, wallpaper, carpet…
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news
M.E.F. Services joins Acera Insurance, expands Acera Benefits division
CALGARY, March 13, 2024 — Acera Insurance Services Ltd. is pleased to announce its newest partner, M.E.F. Services Ltd. This…
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news
Acera Insurance welcomes Navigate Benefit Solutions, expands Acera Benefits division
June 3, 2025 — Acera Insurance Services Ltd. is pleased to partner with Navigate Benefit Solutions as it continues to…
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Post
Wood Product Manufacturers: Reduce Your Insurance Premiums and Avoid WorkSafeBC Fines
WorkSafeBC fines have increased dramatically for wood product manufacturers in recent years and the operational practices of the industry are…
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Post
Wood Product Manufacturers: Reduce Your Insurance Premiums and Avoid WorkSafeBC Fines
WorkSafeBC fines have increased 4,000% in the last five years for wood product manufacturers. The operational practices of those in…
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Post
How BC’s Employer Health Tax Will Affect Your Business
The Government of BC has proposed a change in how our provincial healthcare coverage is funded beginning January 1, 2019….
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Page
Sitemap – Personal Insurance
Sitemap Acera Personal Insurance Business Insurance Sitemap Group Benefits Sitemap Products Coverage
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news
Acera Insurance expands benefits division in Ontario, partners with Dominion Group Benefits
CALGARY, May 6, 2024 — Acera Insurance Services Ltd. continues to expand its specialty Acera Benefits division in Ontario, following…
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Post
Recognized as an Alberta Top Employer for the 15th Time
Note: The application for Alberta Top Employer 2023 was submitted by Rogers Insurance in spring 2022 before the merger with CapriCMW…
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Privacy Policy
Privacy Policy At Acera Insurance we understand that privacy is a critical issue for all our Clients. Our privacy code…
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Page
Wildfire preparedness guide
Wildfire preparedness guide: How to minimize fire and smoke damage Wildfire season in Canada typically occurs between April and October,…
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Page
Sitemap – Group Benefits
Sitemap Acera Group Benefits Personal Insurance Sitemap Business Insurance Sitemap Products Coverage
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How brokers can help businesses navigate the shift to a soft market from a hard market
After several years of high premiums and restrictive terms, the Canadian insurance landscape has been shifting in 2024 to provide…
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Page
Post
Employee Benefit Packages
How many of us are working towards a healthy work life balance as an achievement in our lives? Are we…
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Post
What is an underwriter?
If you’ve applied for an insurance quote you may have encountered an “underwriter.” Well what is an underwriter? What do…
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Page
Megson FitzPatrick
Megson FitzPatrick Insurance is now Acera Insurance. Megson FitzPatrick, as part of the Rogers Insurance Group, has transitioned to become…
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Pros and Cons of Full-Time RV Living
Are you thinking about living full-time in your RV? We’ll go over the pros and cons of full-time RV living…
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How Employers Can Help Prevent Employee Burnout
As workplaces across Canada cautiously emerge from the pandemic, burnout among employees is widespread and rising. “The most common request…
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Page
Post
Prioritizing Human Connections in the Workplace
Now more than ever, prospective employees are considering workplace culture when applying for jobs. Note: The application for Alberta Top Employer…
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Post
2024 Group Benefits Market Outlook
While economists predict inflation in Canada will stabilize, the rate will continue to remain higher than an ideal target. Organizations…
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Post
Am I covered if I need to cancel a trip?
While no one wants to cancel a trip, sometimes it’s necessary. But what if you’ve already booked flights and hotels…
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Post
What are benefits?
With the great resignation upon us, offering value with benefits has never been more important. “The great resignation is coming,”…
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Page
Get a quote (CapriCMW)
Get a quote CapriCMW is now Acera Insurance. Our name has changed, but our team of expert advisors remains the…
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9 Tips for Using Employee Benefits to Support Talent Attraction and Retention in a Crisis
The entire world was thrown into disarray in the emergence of the COVID-19 pandemic and as a result, businesses worldwide…
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The millennial-led transformation of employee benefits plans
Millennials, born between 1981 and 1996, now make up the largest portion of the Canadian workforce. They are a uniquely…
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2025 Group Benefits Outlook for Canadian Businesses
The advantages of helping employees manage their health and wellbeing are clear. Offering group benefits can: Improve employee morale and…
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How long can I stay in the United States with my car?
The United States offers Canadians great choices for a winter escape or a summer road trip. Canadians vacation across the…
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How Company Benefits Can Improve Your Recruitment
Now is the time to put great talent in your organization first, as the Great Resignation is here. Due to…
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What HR Should Know About How Employee Benefits Has Changed Post-Pandemic
According to the 2022 Benefits Canada Healthcare Survey, over 80% of employee benefits plan sponsors believe COVID-19 will have an…
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ICBC Announces New Financial Relief for BC Drivers
In response to the financial challenges that many BC residents are facing amid the COVID-19 pandemic, ICBC has announced changes…
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Am I covered for storing business property off-site?
Any business owner knows that good insurance coverage whether for property stored on-site or off-site is imperative to the overall health…
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Workplace Safety for Small Businesses in Alberta
Workplace safety matters for every business regardless of size or industry. If you’re a small business owner ensuring your company…
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Faith & the Post-Pandemic World: Challenges Faced by Faith Organizations
Faith and religious organizations can face many new and unique challenges to their operations. Through proper risk assessment and awareness…
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Five Tips to Keep You Safe During Your Holiday Travels
If you’re going to be away this holiday season, there are some important steps for you to take before and…
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Returning home after a wildfire
Flames, soot, ash and firefighting techniques to fight wildfires can cause damage to your home and belongings. The intent of…
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The Wellness Needs of Indigenous Communities and Employee Benefits
Wellness, as defined by the National Aboriginal Health Organization (NAHO), is a state of complete physical, mental and social well-being….
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Returning home after a flood
Flood waters can carry dangerous debris and micro-organisms, and also cause mould to grow, all of which can damage your…
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Page
Get a quote
Let’s get your quote started. Looking to renew your ICBC Autoplan? Request Renewal Here
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How to Protect Your Business from Wildfires in Alberta
Alberta’s wildfire season beings March 1 and lasts through to the end of October each year. There is currently an average of 1,346 wildfires per year in…
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The Primary Threat to Sustainable Benefit Plans
The rising cost of prescription drugs is the single greatest challenge to the sustainability of most traditional benefit plans. This…
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Page
Post
5 Top Trends in Employee Total Rewards
With attrition levels well above the norm in many sectors, employee total rewards are coming into their own. “Three to…
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Impact of Recent EI Changes on Employers and Employees
As of December 18, 2022, the federal government has extended the length of time that individuals can access employment insurance…
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Recent Changes to BC’s Strata Property Act
The COVID-19 pandemic has caused significant disruptions for strata corporations in fulfilling their regular duties and responsibilities. As of May…
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Post
Policyholders cannot afford to bury their heads in the sand
Addressing cognitive bias to effectively manage risk Prevention is the foundation of effective risk management; it’s also the first line…
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Page
Group Benefits
Group Benefits Your employee needs come first. Acera Benefits helps Canadian employers design competitive, cost-effective employee benefits plans in an…
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Post
5 Summer Safety Tips for Professional Drivers
With more motorists on the road, construction zones and extreme weather, is it any wonder that more occur in the…
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5 Tips to Protect Your Horse from Fall and Winter Colic
With the weather cooling down and the busy show season coming to a close, we’re entering the time of colourful…
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Post
The Key to Business Success? Your Employees
The best people want to work for the best employers. Now, more than ever, organizations must consistently offer beneficial incentives…
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Honoring sovereignty: The importance of data access and Indigenous employee benefits solutions
Indigenous organizations face unique challenges when selecting group benefits programs. Many options, such as captive markets, closed markets and pooled…
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Employer’s Legal Obligations for Employees Working Alone
In companies across all industries, certain workers will be required to work alone. The lack of supervision or support poses…
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BC MSP Premiums End December 31, 2019
Since the beginning of 2019, BC has been under a transition to phase out Medical Services Plan premiums. While MSP…
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What is the Alberta hail suppression program and how does it work?
Alberta experiences many hailstorms each year, particularly in the “Hailstorm Alley.” This region stretches from High River through Calgary north…
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Page
Fairfield Watson
Fairfield Watson is now Acera Benefits. Fairfield Watson has transitioned to become Acera Benefits. As one unified company, we are…
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10 Ways to Keep Hybrid Employees Engaged
The pandemic accelerated the adoption of hybrid work models – where employees work partly in office and at home – and recent…
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The Philosophy of Employee Benefits
One of the largest concerns that employers have is what kind of benefits programs to offer their employees and just…
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Limiting Your WorkSafeBC Premiums Through Cost Relief
Despite your best efforts to optimize the health and safety of your workplace, accidents can happen that lead to workers’…
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BC’s Requirements for Fall Protection Plans
According to the Canadian Centre for Occupational Health and Safety, around 60,000 workers are injured each year from slips, trips…
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What you should know about WorkSafeBC fines
As a provincial agency, WorkSafeBC has the authority to impose administrative penalties – monetary fines – against employers who commit…
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New Procedure for Expedited Hearings with BC’s Residential Tenancy Branch
Under normal circumstances, the earliest a hearing with the Residential Tenancy Branch (RTB) can be scheduled once an application…
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How to Protect Your Company’s Reputation Against Damaging Incidents
A company’s reputation can be its strongest asset but also its most vulnerable. A single crisis can cause irreparable harm…
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What to Include When Making an Emergency Plan
If you had 20 minutes to pack up and leave your home due to flood or fire warnings, what would…
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5 Tips for Working from Home
Working home can be a challenge, especially when you first start. As many of us are suddenly working from home…
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Protect Your Home From Extreme Heat
Some parts of the country are experiencing extreme heat. And while most people are aware of the dangers of excessive heat to…
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5 Reasons Employees Don’t Report Near Miss Incidents
A near miss is any unplanned incident in the workplace that could have resulted in an injury, illness or damage….
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BC Introduces a $50 Million Relief Grant for Restaurants and Businesses Affected by Recent COVID-19 Restrictions
The BC government has launched the Circuit Breaker Business Relief Grant. Through this program, one-time grants between $1,000 and $10,000…
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Code W and how it affects Class 1, 2,3 & 4 Drivers with US driving exposure
Frequently Asked Questions What changes are being implemented? Effective March 3, 2014, as part of the Canada/U.S. Medical Reciprocity Agreement,…
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