Insurance That Always Says Yes
No medical exams. No rejections.
Guaranteed acceptance plans are designed for people with pre-existing or complex medical needs. Get the protection you deserve…
COVERAGE
Guaranteed Acceptance Coverage Summary
Offers Coverage for Pre-Existing Medical Conditions
Prescription Drug Coverage
No Medical Questionnaire or Exam is Involved
Core Health Benefits (e.g. vision care, specialist coverages etc).
Dental Benefits (basic, preventive and major dental services)
Issue is Guaranteed, You Cannot Be Turned Down!
Get The Information You Need in Minutes:
Free Consultation
Get as many free, online guaranteed issue health insurance quotes as you want.
Toll-free consultation with a fully licensed, experienced insurance broker whose job is to get you the best plan at the best price.
A secure, exclusive online enrolment process.
Coverage summaries of these “no medical” health insurance plans.
Full online plan details for those who want to dig deep into the coverage details.
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For the full details concerning coverage (e.g. paramedicals, etc.) please see the health plan details page
Manulife FollowMe Insurance
FollowMe is Manulife’s guaranteed acceptance health and dental insurance plan for Canadians. Manulife FollowMe Health Insurance is a “conversion plan” designed for people who have lost their employee benefits coverage within the last 90 days.
Individual Health Insurance
These “no medical” health insurance plans have less overall prescription drug coverage than medically underwritten ones. If you do not have any pre-existing conditions you need to be covered, then you might want to consider an underwritten plan. Learn more here.
Health and Dental Conversion Plans
If you have terminated your employee benefits within the last 90 days, then you qualify for a special type of no-medical health insurance plan called conversion benefits. Designed to take up coverage where your employee benefits plan left off! Learn more here.
Frequently Asked Questions
Can I Be Denied Coverage with a Guaranteed Issue Health Plan?
With guaranteed acceptance insurance, issue is guaranteed, meaning you cannot be turned down for coverage based on your medical history or pre-existing conditions.
Are There Age Restrictions for Obtaining Guaranteed Acceptance Health Plans?
Yes. You need to be 18+ in order to apply for guaranteed acceptance insurance plans.
Are There Waiting Periods for Coverage With Guaranteed Issue Health Plans?
While waiting periods may vary, guaranteed acceptance insurance plans often provide immediate coverage for most benefits, ensuring quick access to essential healthcare services without lengthy waiting periods.
Can I Switch to a Guaranteed Acceptance Health Plan If I Already Have Existing Coverage?
Individuals with existing health insurance coverage can explore guaranteed acceptance insurance as an additional or alternative option, providing flexibility and choice in securing comprehensive healthcare protection.
Should I Get a Guaranteed Issue Health Plan if I Have Diabetes?
Yes. Diabetes is an example of a pre-existing condition that would be covered automatically in a guaranteed issue health insurance plan.