You’re accepted with no health questions, at any time, and conditions you already have are covered. The trade-off is less coverage for each dollar: lower limits, less drug coverage, and waiting periods before some benefits start. It suits people who can’t qualify for a medically underwritten plan and have missed the guaranteed issue window.
What is the benefit of a guaranteed acceptance health and dental plan compared with other plans?
Reviewed by Garrett Agencies Ltd., October 2026. How we write
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More about health and dental insurance
Your own coverage for what provincial plans don’t pay.
More questions about health and dental insurance
- What is the benefit of a medically underwritten health and dental plan compared with other plans?
- When should I apply for health and dental insurance?
- What do I need to get health and dental insurance?
- What is the benefit of a guaranteed issue health and dental plan compared with other plans?
- What types of individual health and dental plans are there?
A question about your coverage? Ask us.
No obligation. We’ll tell you plainly what we think, including when you already have what you need.