How does coverage work?
You set the blueprint.
Choose the programs, budgets, categories and rules. Tailor coverage by role, team, class, location, country or branch. One company doesn’t have to mean one-size-fits-all.
Structure health spending, lifestyle spending, recognition, work expenses
and more around your budget and your people.
Tap a dimension to explore coverage.
Save up to 50% compared to a traditional group plan. No premiums, no commissions.
Health spending account eligibility follows the CRA’s list of eligible medical expenses.
Sport material (hockey stick, football, etc.), sport shoes (running shoes, hiking boots, etc.), outdoor equipment (tent, stand-up paddle, climbing gear, etc.), fitness equipment (yoga mat, weights, etc.), gym membership, physical activity classes (yoga, pilates, kickboxing, etc.), sports competition signup fees.
Music shows, comedy shows, theater tickets, museum tickets, movie theater tickets, cultural events, live sports.
Oil change, tire change and balancing, car parts and accessories, any auto repair fees, roadside assistance program. Excludes gas & charging expenses.
Online courses, workshops, professional retreats, bootcamps, and paid tutorials. AI & SaaS subscriptions or credits may be eligible if directly linked to your specific career development.
Annual check-up or emergency care, cleaning, dental scaling, fluoride treatment, sealing of pits and fissures, orthodontics (orthodontic appliances, palate expander, retainer), X-rays, local or general anesthesia, fillings, extraction of teeth and roots, crown/dental care, endodontics including root canal treatment, and sedative dressings.
Donations to charities, NGOs and causes.
Video streaming platforms (Netflix, Disney+, Apple TV+, Prime Video, etc.), music streaming platforms (Spotify, Apple Music, etc.), consoles and video games, gaming subscriptions and services (Xbox Game Pass, PlayStation Plus, etc.).
Accessories and equipment for babies, maternity accessories and equipment, and family activities.
Clothing, apparel and accessories.
Meal kits (Goodfood, Cookit, HelloFresh, etc.), food baskets (Lufa, organic farms, etc.), coffee subscriptions, fruit subscriptions, etc.
Gasoline or diesel purchases, and electric vehicle charging.
General food and grocery items.
Housekeeping services such as snow removal, landscaping, etc. Furniture & home appliances as well. Utility bills are also included in this category.
Psychologist consultation, psychotherapist consultation, psychiatric consultation not covered by Quebec’s Health insurance system (RAMQ).
Ergotherapy, massotherapy, physiotherapy, osteopathy, angiology, homeopathy, naturopathy, orthophony, nutritionist or dietician care, chiropractic, acupuncture, podology, foot care, senior assistance service, over-the-counter medication, deductible for prescription medication.
Personal care services and hygiene products, including hairdresser or barber services, spa treatments, and products for skincare, oral care etc. Excludes household cleaning products and laundry detergent not directly related to personal care.
Music lessons (singing, instrument playing, etc.), art lessons (drawing, painting, pottery, etc.), reading club, trainings (IT, science, etc.), mentoring and coaching.
Pet food and accessories, grooming, walking services, pet sitting, veterinarian visit, X-rays, ultrasound, vaccination, odontology, surgery.
Lawyer fees, accountant fees, notary fees.
Individual or group public transit tickets/passes, including ride or car-sharing services. Excludes Uber or taxi rides and parking fees.
Includes dine-in, takeout, and delivery from full-service restaurants, fast food, cafes, and food trucks. Excludes grocery stores and alcohol-only purchases.
Contributions to registered savings accounts (RRSP, TFSA, FHSA, etc.).
Plane tickets, train and bus tickets, suitcases and travel bags, hotel rooms and cabin rentals.
Eye test, prescription glasses, prescription contact lenses, prescription sunglasses, laser eye surgery.
Computers and accessories (external screen, mouse, keyboard, cables, etc.), internet and phone plans, home office furniture (office chair, desk, etc.), home office supplies (pens, notebooks, blank paper, etc.).
Any merchant, anywhere. Tax-free within the limits, without the paperwork.
Reward people with any merchant in the world, on the rules you choose.
Gift cards from the brands your team loves, sent automatically the moment someone deserves a thank-you.
Work anniversaries, birthdays, milestones and shout-outs, scheduled or on the spot.
Eligible gifts and awards stay within the tax-free limit, without the paperwork.
Half the fees of a traditional payroll provider, with every advanced feature.
Increase the impact of your next raise without increasing the cost.
Connect every system you already run, including legacy ones, for full automation.
All the advanced payroll features, at half the market rate. No gimmicks, no catch.
The info you need, a few clicks away from any payroll cycle.
Claim to refund, fully automated. No spreadsheets, no chasing receipts.
From claim to approval to refund, everything happens in Tedy. No spreadsheets, no manual transfers.
Client meals, restaurants and representation expenses.
Mileage, fuel, parking, transit, flights and hotels.
Work phone plans, home internet and office supplies.
Conferences, courses and professional memberships.
Set limits, vendors and approvers. Tedy applies them to every claim.
The fastest refunds in Canada today. Earlier access to earned wages is next.
The fastest in Canada — approved claims are reimbursed right away, so no one stays out of pocket.
A flexible line of credit for the moments that can’t wait until payday.
Coming soonEarlier access to earned wages, with none of the admin burden.
Coming soon
Tax-deductible contributions, with the bank your team already uses.
Tax-deductible contributions that help people save for the future they want.
Keep the bank or provider your team already uses. No forced switch.
Define matching rules and contribution limits. Employees build the balance over time.
Seconds, not days, to pay out every bonus. Fully automated.
Fully automated, instant, and ready in seconds. No spreadsheets.
Connects to the payroll, HRIS, and tools you already run.
The bonus data you need, filtered how you need it, ready when finance asks.
Zero waste. You only pay for the budget your team actually uses.
Courses, coaching, certifications and learning paths that help people grow.
Home-office supplies, remote setup and productivity essentials.
Transit, home efficiency, sustainable products and environmental support.
A dedicated budget for the charities and causes your people care about.
Savings, investments, financial planning and money support.
Build a stipend around any category that fits how your team lives.
Every dollar tracked, so you see exactly what your team saves.
Key insights about your team’s wellbeing and engagement, in one place.
See how much your team saves with Tedy, and optimize every dollar.
More value, no extra payroll. Time off and perks in one place.
Exchange value for time, or time for value. Fully integrated.
Coming soonEveryday benefits that never have to touch payroll or a separate vendor.
Requests and balances stay in one place, so HR isn’t chasing updates.

You set the blueprint.
Choose the programs, budgets, categories and rules. Tailor coverage by role, team, class, location, country or branch. One company doesn’t have to mean one-size-fits-all.
Every one of them.
Co-pays. Deductibles. Caps. Grace periods. Eligibility. You decide how your programs work, or lean on us for what works best. And you can change it anytime.
That’s the idea.
You set the boundaries. They choose what matters most to them, based on their needs, priorities and stage of life.