If you apply within the window after your group coverage through work ends, usually 60 days and sometimes up to 90, you’re accepted with no health questions, and conditions you already have are covered. It costs more than a medically underwritten plan for the same coverage, so if you’re healthy, it’s worth checking both before your window closes.
What is the benefit of a guaranteed issue 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 guaranteed acceptance health and dental plan compared with other plans?
- 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 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.