Guaranteed Acceptance
Health Insurance without medical questions, for those with pre-existing conditions.
We can help you find a plan and benefits that suit your needs, or if you know what you're looking for get a quote.
No questions. Just benefits.
Guaranteed Acceptance is comprehensive health insurance for Canadians under-served by standard insurance products. With no medical underwriting, our Guaranteed Acceptance Health Plan covers pre-existing conditions.
What's in a Guaranteed Acceptance Health Plan?
How do I know what kind of coverage I need?
| Complete Health Entry |
Complete Health Essential |
Complete Health Enhanced |
Guaranteed Acceptance |
|---|
| Coverage | 60% | 70% | 80% | 70% |
| Health Practitioners Massage Therapist |
— | $55 / visit $400 / year |
$70 / visit $500 / year |
$300 / year |
| Health Practitioners Physiotherapist |
$40 / visit $250 / year |
$55 / visit $400 / year |
$70 / visit $500 / year |
$300 / year |
| Health Practitioners Psychologist |
$55 / visit $250 / year |
$80 / visit $400 / year |
$95 / visit $500 / year |
$300 / year |
| Health Practitioners Chiropractor |
$40 / visit $250 / year |
$55 / visit $400 / year |
$70 / visit $500 / year |
$300 / year |
| Health Practitioners Acupuncturist |
— | $55 / visit $400 / year |
$70 / visit $500 / year |
— |
| Health Practitioners Dietitian |
$40 / visit $250 / year |
$55 / visit $400 / year |
$70 / visit $500 / year |
— |
| Health Practitioners Naturopath |
— | $55 / visit $400 / year |
$70 / visit $500 / year |
— |
| Health Practitioners Audiologist |
$40 / visit $250 / year |
$55 / visit $400 / year |
$70 / visit $500 / year |
— |
| Health Practitioners Occupational Therapist |
$40 / visit $250 / year |
$55 / visit $400 / year |
$70 / visit $500 / year |
— |
| Health Practitioners Osteopath |
$40 / visit $250 / year |
$55 / visit $400 / year |
$70 / visit $500 / year |
$300 / year |
| Health Practitioners Podiatrist / Chiropodist |
$40 / visit $250 / year |
$55 / visit $400 / year |
$70 / visit $500 / year |
$300 / year |
| Health Practitioners Speech Therapist |
$40 / visit $250 / year |
$55 / visit $400 / year |
$70 / visit $500 / year |
$300 / year |
| Ambulance | — | $420 / year | $420 / year | 70% up to $420 / year Ambulance Attendant: 70% up to $280 / year |
| Hearing Aids* | — | $400 / 5 years | $500 / 5 years | $350 / 5 years |
| Family Assistance Program | included | included | included | included |
| Orthotics | $150 | $150 | $225 | $105 |
| Vision Care* | $100 / 2 years | $150 / 2 years | $300 / 2 years | $105 / 2 years |
| Diabetic Supplies** | — | No overall maximum. $2,280 for Continuous Glucose Monitoring Supplies | No overall maximum. $2,280 for Continuous Glucose Monitoring Supplies | $2,500 / year combined maximum for diabetic supplies, equipment, supplies, nursing and prosthetics |
| Equipment** | — | No overall maximum | No overall maximum | $2,500 / year combined maximum for diabetic supplies, equipment, supplies, nursing and prosthetics |
| Nursing** | — | $3,500 / 2 years | $5,600 / 2 years | $2,500 / year combined maximum for diabetic supplies, equipment, supplies, nursing and prosthetics |
| Prosthetics** | — | Up to $10,000 / Lifetime | Up to $10,000 / Lifetime | $2,500 / year combined maximum for diabetic supplies, equipment, supplies, nursing and prosthetics |
| Accidental Dental | $7,000 / lifetime | $7,000 / lifetime | $7,000 / lifetime | 70% up to $7,000 per lifetime |
| Coverage | |
|
Complete Health Entry |
60% |
|
Complete Health Essential |
70% |
|
Complete Health Enhanced |
80% |
| Guaranteed Acceptance | 70% |
|
Health Practitioners Massage Therapist |
|
|
Complete Health Entry |
— |
|
Complete Health Essential |
$55 / visit $400 / year |
|
Complete Health Enhanced |
$70 / visit $500 / year |
| Guaranteed Acceptance | $300 / year |
|
Health Practitioners Physiotherapist |
|
|
Complete Health Entry |
$40 / visit $250 / year |
|
Complete Health Essential |
$55 / visit $400 / year |
|
Complete Health Enhanced |
$70 / visit $500 / year |
| Guaranteed Acceptance | $300 / year |
|
Health Practitioners Psychologist |
|
|
Complete Health Entry |
$55 / visit $250 / year |
|
Complete Health Essential |
$80 / visit $400 / year |
|
Complete Health Enhanced |
$95 / visit $500 / year |
| Guaranteed Acceptance | $300 / year |
|
Health Practitioners Chiropractor |
|
|
Complete Health Entry |
$40 / visit $250 / year |
|
Complete Health Essential |
$55 / visit $400 / year |
|
Complete Health Enhanced |
$70 / visit $500 / year |
| Guaranteed Acceptance | $300 / year |
|
Health Practitioners Acupuncturist |
|
|
Complete Health Entry |
— |
|
Complete Health Essential |
$55 / visit $400 / year |
|
Complete Health Enhanced |
$70 / visit $500 / year |
| Guaranteed Acceptance | — |
|
Health Practitioners Dietitian |
|
|
Complete Health Entry |
$40 / visit $250 / year |
|
Complete Health Essential |
$55 / visit $400 / year |
|
Complete Health Enhanced |
$70 / visit $500 / year |
| Guaranteed Acceptance | — |
|
Health Practitioners Naturopath |
|
|
Complete Health Entry |
— |
|
Complete Health Essential |
$55 / visit $400 / year |
|
Complete Health Enhanced |
$70 / visit $500 / year |
| Guaranteed Acceptance | — |
|
Health Practitioners Audiologist |
|
|
Complete Health Entry |
$40 / visit $250 / year |
|
Complete Health Essential |
$55 / visit $400 / year |
|
Complete Health Enhanced |
$70 / visit $500 / year |
| Guaranteed Acceptance | — |
|
Health Practitioners Occupational Therapist |
|
|
Complete Health Entry |
$40 / visit $250 / year |
|
Complete Health Essential |
$55 / visit $400 / year |
|
Complete Health Enhanced |
$70 / visit $500 / year |
| Guaranteed Acceptance | — |
|
Health Practitioners Osteopath |
|
|
Complete Health Entry |
$40 / visit $250 / year |
|
Complete Health Essential |
$55 / visit $400 / year |
|
Complete Health Enhanced |
$70 / visit $500 / year |
| Guaranteed Acceptance | $300 / year |
|
Health Practitioners Podiatrist / Chiropodist |
|
|
Complete Health Entry |
$40 / visit $250 / year |
|
Complete Health Essential |
$55 / visit $400 / year |
|
Complete Health Enhanced |
$70 / visit $500 / year |
| Guaranteed Acceptance | $300 / year |
|
Health Practitioners Speech Therapist |
|
|
Complete Health Entry |
$40 / visit $250 / year |
|
Complete Health Essential |
$55 / visit $400 / year |
|
Complete Health Enhanced |
$70 / visit $500 / year |
| Guaranteed Acceptance | $300 / year |
| Ambulance | |
|
Complete Health Entry |
— |
|
Complete Health Essential |
$420 / year |
|
Complete Health Enhanced |
$420 / year |
| Guaranteed Acceptance |
70% up to $420 / year Ambulance Attendant: 70% up to $280 / year |
| Hearing Aids* | |
|
Complete Health Entry |
— |
|
Complete Health Essential |
$400 / 5 years |
|
Complete Health Enhanced |
$500 / 5 years |
| Guaranteed Acceptance | $350 / 5 years |
| Family Assistance Program | |
|
Complete Health Entry |
included |
|
Complete Health Essential |
included |
|
Complete Health Enhanced |
included |
| Guaranteed Acceptance | included |
| Orthotics | |
|
Complete Health Entry |
$150 |
|
Complete Health Essential |
$150 |
|
Complete Health Enhanced |
$225 |
| Guaranteed Acceptance | $105 |
| Vision Care* | |
|
Complete Health Entry |
$100 / 2 years |
|
Complete Health Essential |
$150 / 2 years |
|
Complete Health Enhanced |
$300 / 2 years |
| Guaranteed Acceptance | $105 / 2 years |
| Diabetic Supplies** | |
|
Complete Health Entry |
— |
|
Complete Health Essential |
No overall maximum. $2,280 for Continuous Glucose Monitoring Supplies |
|
Complete Health Enhanced |
No overall maximum. $2,280 for Continuous Glucose Monitoring Supplies |
| Guaranteed Acceptance | $2,500 / year combined maximum for diabetic supplies, equipment, supplies, nursing and prosthetics |
| Equipment** | |
|
Complete Health Entry |
— |
|
Complete Health Essential |
No overall maximum |
|
Complete Health Enhanced |
No overall maximum |
| Guaranteed Acceptance | $2,500 / year combined maximum for diabetic supplies, equipment, supplies, nursing and prosthetics |
| Nursing** | |
|
Complete Health Entry |
— |
|
Complete Health Essential |
$3,500 / 2 years |
|
Complete Health Enhanced |
$5,600 / 2 years |
| Guaranteed Acceptance | $2,500 / year combined maximum for diabetic supplies, equipment, supplies, nursing and prosthetics |
| Prosthetics** | |
|
Complete Health Entry |
— |
|
Complete Health Essential |
Up to $10,000 / Lifetime |
|
Complete Health Enhanced |
Up to $10,000 / Lifetime |
| Guaranteed Acceptance | $2,500 / year combined maximum for diabetic supplies, equipment, supplies, nursing and prosthetics |
| Accidental Dental | |
|
Complete Health Entry |
$7,000 / lifetime |
|
Complete Health Essential |
$7,000 / lifetime |
|
Complete Health Enhanced |
$7,000 / lifetime |
| Guaranteed Acceptance | 70% up to $7,000 per lifetime |
| Coverage | 60% ($500/year) | 70% | 80% | 70% |
| Fillings | 60% coverage $500 / year combined maximum for dental exams, cleaning and x-rays |
70% coverage No overall maximum |
80% coverage No overall maximum |
70% coverage $1,000 / year combined maximum for fillings, extractions and root canals |
| Extractions and Root Canals | — | 70% coverage No overall maximum |
80% coverage No overall maximum |
70% coverage $1,000 / year combined maximum for fillings, extractions and root canals |
| Periodontal | — | — | 60% coverage $1,200 / year |
— |
| Major | — | — | 60% coverage $500 / year |
— |
| Orthodontics (18 and under) | — | — | 60% coverage $125 / month $1,500 / lifetime reimbursement limit |
— |
| Coverage | |
|
Complete Health Entry |
60% ($500/year) |
|
Complete Health Essential |
70% |
|
Complete Health Enhanced |
80% |
| Guaranteed Acceptance | 70% |
| Fillings | |
|
Complete Health Entry |
60% coverage $500 / year combined maximum for dental exams, cleaning and x-rays |
|
Complete Health Essential |
70% coverage No overall maximum |
|
Complete Health Enhanced |
80% coverage No overall maximum |
| Guaranteed Acceptance |
70% coverage $1,000 / year combined maximum for fillings, extractions and root canals |
| Extractions and Root Canals | |
|
Complete Health Entry |
— |
|
Complete Health Essential |
70% coverage No overall maximum |
|
Complete Health Enhanced |
80% coverage No overall maximum |
| Guaranteed Acceptance |
70% coverage $1,000 / year combined maximum for fillings, extractions and root canals |
| Periodontal | |
|
Complete Health Entry |
— |
|
Complete Health Essential |
— |
|
Complete Health Enhanced |
60% coverage $1,200 / year |
| Guaranteed Acceptance | — |
| Major | |
|
Complete Health Entry |
— |
|
Complete Health Essential |
— |
|
Complete Health Enhanced |
60% coverage $500 / year |
| Guaranteed Acceptance | — |
| Orthodontics (18 and under) | |
|
Complete Health Entry |
— |
|
Complete Health Essential |
— |
|
Complete Health Enhanced |
60% coverage $125 / month $1,500 / lifetime reimbursement limit |
| Guaranteed Acceptance | — |
| Accidental Death and Dismemberment*** | — | Applicant and applicant’s spouse are covered up to a maximum of $15,000 each | Applicant and applicant’s spouse are covered up to a maximum of $20,000 each | Applicant and applicant’s spouse are covered up to a maximum of $25,000 each |
| Accidental Death and Dismemberment*** | |
|
Complete Health Entry |
— |
|
Complete Health Essential |
Applicant and applicant’s spouse are covered up to a maximum of $15,000 each |
|
Complete Health Enhanced |
Applicant and applicant’s spouse are covered up to a maximum of $20,000 each |
| Guaranteed Acceptance | Applicant and applicant’s spouse are covered up to a maximum of $25,000 each |
| Coverage | — | 70% | 80% | 80% |
| Annual Maximum | — | No overall maximum | No overall maximum | $2,500 / year $625 / 3-month quarter**** |
| Birth Control | — | Covered | Covered | Covered |
| Smoking Cessation | — | $800 / 5 years | $800 / 5 years | — |
| Allergy Serums | — | — | $500 / year | — |
| Vaccines | — | — | $250 / year | — |
| Erectile Dysfunction | — | — | $250 / year | — |
| Fertility | — | — | $1,500 / year $3,000 / lifetime |
— |
| Coverage | |
|
Complete Health Entry |
— |
|
Complete Health Essential |
70% |
|
Complete Health Enhanced |
80% |
| Guaranteed Acceptance | 80% |
| Annual Maximum | |
|
Complete Health Entry |
— |
|
Complete Health Essential |
No overall maximum |
|
Complete Health Enhanced |
No overall maximum |
| Guaranteed Acceptance |
$2,500 / year $625 / 3-month quarter**** |
| Birth Control | |
|
Complete Health Entry |
— |
|
Complete Health Essential |
Covered |
|
Complete Health Enhanced |
Covered |
| Guaranteed Acceptance | Covered |
| Smoking Cessation | |
|
Complete Health Entry |
— |
|
Complete Health Essential |
$800 / 5 years |
|
Complete Health Enhanced |
$800 / 5 years |
| Guaranteed Acceptance | — |
| Allergy Serums | |
|
Complete Health Entry |
— |
|
Complete Health Essential |
— |
|
Complete Health Enhanced |
$500 / year |
| Guaranteed Acceptance | — |
| Vaccines | |
|
Complete Health Entry |
— |
|
Complete Health Essential |
— |
|
Complete Health Enhanced |
$250 / year |
| Guaranteed Acceptance | — |
| Erectile Dysfunction | |
|
Complete Health Entry |
— |
|
Complete Health Essential |
— |
|
Complete Health Enhanced |
$250 / year |
| Guaranteed Acceptance | — |
| Fertility | |
|
Complete Health Entry |
— |
|
Complete Health Essential |
— |
|
Complete Health Enhanced |
$1,500 / year $3,000 / lifetime |
| Guaranteed Acceptance | — |
| Trip Duration | — | — | 30 days | 17 days |
| Trip Duration | |
|
Complete Health Entry |
— |
|
Complete Health Essential |
— |
|
Complete Health Enhanced |
30 days |
| Guaranteed Acceptance | 17 days |
Benefits are per person per year unless otherwise stated. See policy booklet for more details.
*Waiting periods may apply to some benefits.
**The combined maximum applies to the coverage for diabetic supplies, equipment and supplies, nursing and prosthetics.
***Blue Cross Life Insurance Company of Canada underwrites Accidental Death and Dismemberment coverage.
****3-month calendar quarters are defined as 3 consecutive months commencing on the first (1st) day of January, April, July or October in a calendar year totalling up to $2,500 per year. Check your policy booklet for details.
The Medavie Difference
InConfidence
Access short-term counselling and legal advice any day, any time – included in your plan.
Manage chronic disease
Access a network of specialized health professionals online or in person without a referral from your doctor.
Thrive with diabetes
Diabetics receive a Glucose Monitoring System and access to a network of Certified Diabetes Educators.
Healthcare your way
We’ve partnered with digital innovators to bring healthcare to you.
Have more questions?
We're ready to help! Call 1-866-492-2583 Monday to Friday, 8:00 am to 5:30 pm AST