Guaranteed Issue

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 Issue is comprehensive health insurance for Canadians under-served by standard insurance products. With no medical underwriting, our Guaranteed Issue Health Plan covers pre-existing conditions.

Call us: 1-866-492-2583

What's in a Guaranteed Issue Health Plan?

Health Benefits

70% coverage. Equipment, nursing, health practitioners and diabetic supplies.

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Prescription drugs

You're covered for $2500 a year.

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Unlimited Dental

Get the treatment you need with unlimited dental coverage.

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Accidental Death & Dismemberment

Plenty of protection for loved ones.

Check life coverage

Travel

Coverage for accidents abroad.

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How do I know what kind of coverage I need?

	Elements Entry	Elements Essential	Elements Enhanced	Guaranteed Issue

Health Benefits

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

Health Benefits

Coverage
Elements Entry	60%
Elements Essential	70%
Elements Enhanced	80%
Guaranteed Issue	70%
Health Practitioners Massage Therapist
Elements Entry	—
Elements Essential	$400
Elements Enhanced	$500
Guaranteed Issue	$300
Health Practitioners Physiotherapist
Elements Entry	$250
Elements Essential	$400
Elements Enhanced	$500
Guaranteed Issue	$300
Health Practitioners Psychologist
Elements Entry	$250
Elements Essential	$400
Elements Enhanced	$500
Guaranteed Issue	$300
Health Practitioners Chiropractor
Elements Entry	$250
Elements Essential	$400
Elements Enhanced	$500
Guaranteed Issue	$300
Health Practitioners Acupuncturist
Elements Entry	—
Elements Essential	$400
Elements Enhanced	$500
Guaranteed Issue	—
Health Practitioners Dietitian
Elements Entry	$250
Elements Essential	$400
Elements Enhanced	$500
Guaranteed Issue	—
Health Practitioners Naturopath
Elements Entry	—
Elements Essential	$400
Elements Enhanced	$500
Guaranteed Issue	—
Health Practitioners Audiologist
Elements Entry	$250
Elements Essential	$400
Elements Enhanced	$500
Guaranteed Issue	—
Health Practitioners Occupational Therapist
Elements Entry	$250
Elements Essential	$400
Elements Enhanced	$500
Guaranteed Issue	—
Health Practitioners Osteopath
Elements Entry	$250
Elements Essential	$400
Elements Enhanced	$500
Guaranteed Issue	$300
Health Practitioners Podiatrist/Chiropodist
Elements Entry	$250
Elements Essential	$400
Elements Enhanced	$500
Guaranteed Issue	$300
Health Practitioners Speech Therapist
Elements Entry	$250
Elements Essential	$400
Elements Enhanced	$500
Guaranteed Issue	$300
Ambulance
Elements Entry	—
Elements Essential	$420
Elements Enhanced	$420
Guaranteed Issue	70% up to $420 per year Ambulance Attendant: 70% up to $280 per year
Hearing Aids*
Elements Entry	—
Elements Essential	$400 / 5 years
Elements Enhanced	$500 / 5 years
Guaranteed Issue	$350/5 years
Family Assistance Program
Elements Entry	included
Elements Essential	included
Elements Enhanced	included
Guaranteed Issue	included
Orthotics
Elements Entry	$150
Elements Essential	$150
Elements Enhanced	$225
Guaranteed Issue	$105
Vision Care*
Elements Entry	$100 / 2 years
Elements Essential	$150 / 2 years
Elements Enhanced	$300 / 2 years
Guaranteed Issue	$105 / 2 years
Diabetic Supplies**
Elements Entry	—
Elements Essential	No overall maximum. $2,280 for Continuous Glucose Monitoring Supplies
Elements Enhanced	No overall maximum. $2,280 for Continuous Glucose Monitoring Supplies
Guaranteed Issue	70% up to a combined maximum of $2,500 per year with equipment, supplies, nursing and prosthetics
Equipment**
Elements Entry	—
Elements Essential	No overall maximum
Elements Enhanced	No overall maximum
Guaranteed Issue	combined maximum of $2,500
Nursing**
Elements Entry	—
Elements Essential	$3,500 / 2 years
Elements Enhanced	$5,600 / 2 years
Guaranteed Issue	combined maximum of $2,500
Prosthetics**
Elements Entry	—
Elements Essential	Up to $10,000 / Lifetime
Elements Enhanced	Up to $10,000 / Lifetime
Guaranteed Issue	70% up to a combined maximum of $2,500 per year with diabetic supplies, equipment, supplies and nursing

Dental*

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

Dental*

Coverage
Elements Entry	60% ($500/year)
Elements Essential	70%
Elements Enhanced	80%
Guaranteed Issue	70%
Fillings
Elements Entry	$500
Elements Essential	no overall maximum
Elements Enhanced	no overall maximum
Guaranteed Issue	no overall maximum
Extractions and Root Canals
Elements Entry	—
Elements Essential	no overall maximum
Elements Enhanced	no overall maximum
Guaranteed Issue	no overall maximum
Periodontal
Elements Entry	—
Elements Essential	—
Elements Enhanced	$1,200
Guaranteed Issue	—
Major
Elements Entry	—
Elements Essential	—
Elements Enhanced	$500
Guaranteed Issue	—
Orthodontics (18 and under)
Elements Entry	—
Elements Essential	—
Elements Enhanced	$1,500 / lifetime
Guaranteed Issue	—
Accidental Dental
Elements Entry	$7,000 / lifetime
Elements Essential	$7,000 / lifetime
Elements Enhanced	$7,000 / lifetime
Guaranteed Issue	70% up to $7,000 per lifetime

Accidental Death and Dismemberment

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

Accidental Death and Dismemberment
Elements Entry	—
Elements Essential	Applicant and applicant’s spouse are covered up to a maximum of $10,000 each
Elements Enhanced	Applicant and applicant’s spouse are covered up to a maximum of $15,000 each
Guaranteed Issue	Applicant and applicant’s spouse are covered up to a maximum of $25,000 each

Drug Benefits

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	—

Drug Benefits

Coverage
Elements Entry	—
Elements Essential	70%
Elements Enhanced	80%
Guaranteed Issue	80%
Annual Maximum
Elements Entry	—
Elements Essential	No overall maximum
Elements Enhanced	No overall maximum
Guaranteed Issue	$2,500
Birth Control
Elements Entry	—
Elements Essential	Covered
Elements Enhanced	Covered
Guaranteed Issue	Covered
Smoking Cessation
Elements Entry	—
Elements Essential	$800 / 5 years
Elements Enhanced	$800 / 5 years
Guaranteed Issue	—
Vaccines
Elements Entry	—
Elements Essential	—
Elements Enhanced	$250
Guaranteed Issue	—
Erectile Dysfunction
Elements Entry	—
Elements Essential	—
Elements Enhanced	$250
Guaranteed Issue	—
Fertility
Elements Entry	—
Elements Essential	—
Elements Enhanced	$1,500 / year, $3,000 lifetime
Guaranteed Issue	—

Travel

Trip Duration — — 30 days 17 days

Travel

Trip Duration
Elements Entry	—
Elements Essential	—
Elements Enhanced	30 days
Guaranteed Issue	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.

Get a recommendation

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 6:00 pm AST