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Blue Cross Health

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
$400 $500 $300
Health Practitioners
Physiotherapist
$250 $400 $500 $300
Health Practitioners
Psychologist
$250 $400 $500 $300
Health Practitioners
Chiropractor
$250 $400 $500 $300
Health Practitioners
Acupuncturist
$400 $500
Health Practitioners
Dietitian
$250 $400 $500
Health Practitioners
Naturopath
$400 $500
Health Practitioners
Audiologist
$250 $400 $500
Health Practitioners
Occupational Therapist
$250 $400 $500
Health Practitioners
Osteopath
$250 $400 $500 $300
Health Practitioners
Podiatrist/Chiropodist
$250 $400 $500 $300
Health Practitioners
Speech Therapist
$250 $400 $500 $300
Ambulance $420 $420 70% up to $420 per year
Ambulance Attendant: 70% up to $280 per 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 70% up to a combined maximum of $2,500 per year with equipment, supplies, nursing and prosthetics
Equipment** No overall maximum No overall maximum combined maximum of $2,500
Nursing** $3,500 / 2 years $5,600 / 2 years combined maximum of $2,500
Prosthetics** Up to $10,000 / Lifetime Up to $10,000 / Lifetime 70% up to a combined maximum of $2,500 per year with diabetic supplies, equipment, supplies and nursing
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
$400
Complete Health
Enhanced
$500
Guaranteed Acceptance $300
Health Practitioners
Physiotherapist
Complete Health
Entry
$250
Complete Health
Essential
$400
Complete Health
Enhanced
$500
Guaranteed Acceptance $300
Health Practitioners
Psychologist
Complete Health
Entry
$250
Complete Health
Essential
$400
Complete Health
Enhanced
$500
Guaranteed Acceptance $300
Health Practitioners
Chiropractor
Complete Health
Entry
$250
Complete Health
Essential
$400
Complete Health
Enhanced
$500
Guaranteed Acceptance $300
Health Practitioners
Acupuncturist
Complete Health
Entry
Complete Health
Essential
$400
Complete Health
Enhanced
$500
Guaranteed Acceptance
Health Practitioners
Dietitian
Complete Health
Entry
$250
Complete Health
Essential
$400
Complete Health
Enhanced
$500
Guaranteed Acceptance
Health Practitioners
Naturopath
Complete Health
Entry
Complete Health
Essential
$400
Complete Health
Enhanced
$500
Guaranteed Acceptance
Health Practitioners
Audiologist
Complete Health
Entry
$250
Complete Health
Essential
$400
Complete Health
Enhanced
$500
Guaranteed Acceptance
Health Practitioners
Occupational Therapist
Complete Health
Entry
$250
Complete Health
Essential
$400
Complete Health
Enhanced
$500
Guaranteed Acceptance
Health Practitioners
Osteopath
Complete Health
Entry
$250
Complete Health
Essential
$400
Complete Health
Enhanced
$500
Guaranteed Acceptance $300
Health Practitioners
Podiatrist/Chiropodist
Complete Health
Entry
$250
Complete Health
Essential
$400
Complete Health
Enhanced
$500
Guaranteed Acceptance $300
Health Practitioners
Speech Therapist
Complete Health
Entry
$250
Complete Health
Essential
$400
Complete Health
Enhanced
$500
Guaranteed Acceptance $300
Ambulance
Complete Health
Entry
Complete Health
Essential
$420
Complete Health
Enhanced
$420
Guaranteed Acceptance 70% up to $420 per year
Ambulance Attendant: 70% up to $280 per 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 70% up to a combined maximum of $2,500 per year with equipment, supplies, nursing and prosthetics
Equipment**
Complete Health
Entry
Complete Health
Essential
No overall maximum
Complete Health
Enhanced
No overall maximum
Guaranteed Acceptance combined maximum of $2,500
Nursing**
Complete Health
Entry
Complete Health
Essential
$3,500 / 2 years
Complete Health
Enhanced
$5,600 / 2 years
Guaranteed Acceptance combined maximum of $2,500
Prosthetics**
Complete Health
Entry
Complete Health
Essential
Up to $10,000 / Lifetime
Complete Health
Enhanced
Up to $10,000 / Lifetime
Guaranteed Acceptance 70% up to a combined maximum of $2,500 per year with diabetic supplies, equipment, supplies and nursing
Coverage 60% ($500/year) 70% 80% 70%
Fillings $500 no overall maximum no overall maximum no overall maximum
Extractions and Root Canals no overall maximum no overall maximum no overall maximum
Periodontal $1,200
Major $500
Orthodontics (18 and under) $1,500 / lifetime
Accidental Dental $7,000 / lifetime $7,000 / lifetime $7,000 / lifetime 70% up to $7,000 per lifetime
Coverage
Complete Health
Entry
60% ($500/year)
Complete Health
Essential
70%
Complete Health
Enhanced
80%
Guaranteed Acceptance 70%
Fillings
Complete Health
Entry
$500
Complete Health
Essential
no overall maximum
Complete Health
Enhanced
no overall maximum
Guaranteed Acceptance no overall maximum
Extractions and Root Canals
Complete Health
Entry
Complete Health
Essential
no overall maximum
Complete Health
Enhanced
no overall maximum
Guaranteed Acceptance no overall maximum
Periodontal
Complete Health
Entry
Complete Health
Essential
Complete Health
Enhanced
$1,200
Guaranteed Acceptance
Major
Complete Health
Entry
Complete Health
Essential
Complete Health
Enhanced
$500
Guaranteed Acceptance
Orthodontics (18 and under)
Complete Health
Entry
Complete Health
Essential
Complete Health
Enhanced
$1,500 / lifetime
Guaranteed Acceptance
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
Accidental Death and Dismemberment*** Applicant and applicant’s spouse are covered up to a maximum of $10,000 each 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 $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 $10,000 each
Complete Health
Enhanced
Applicant and applicant’s spouse are covered up to a maximum of $15,000 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
Birth Control Covered Covered Covered
Smoking Cessation $800 / 5 years $800 / 5 years
Vaccines $250
Erectile Dysfunction $250
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
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
Vaccines
Complete Health
Entry
Complete Health
Essential
Complete Health
Enhanced
$250
Guaranteed Acceptance
Erectile Dysfunction
Complete Health
Entry
Complete Health
Essential
Complete Health
Enhanced
$250
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.

The Medavie Difference



InConfidence

Access short-term counselling and legal advice any day, any time – included in your plan.

Explore coverage

Manage chronic disease

Access a network of specialized health professionals online or in person without a referral from your doctor.

See how it works

Thrive with diabetes

Diabetics receive a Glucose Monitoring System and access to a network of Certified Diabetes Educators.

Diabetes Care Program

Healthcare your way

We’ve partnered with digital innovators to bring healthcare to you.

Connected Care

Have more questions?

We're ready to help! Call 1-866-492-2583 Monday to Friday, 8:00 am to 5:30 pm AST