One person? You're covered — guaranteed.
The Guaranteed Acceptance Health Plan is individual coverage that approves you no matter your health history. No medical questions, no group required — and the medications you take today are covered. See your real price below, right now.
Your monthly premium
Enter your age above to see your price — no email, no medical questions.
This is the plan's real monthly premium for Atlantic Canada, effective July 2026, including health & dental and prescription drug coverage. Your rate is confirmed at application and never depends on your health history.
Made for the people insurers usually say no to
Provincial coverage stops at hospitals and doctors. This plan picks up the essentials it leaves behind — prescriptions, dental, practitioners — with 70–80% reimbursement and zero health screening.
Living with a health condition?
Your pre-existing conditions are covered from day one — no waiting period, no exclusions, and the prescriptions you already fill are eligible right away.
Over 65 and filling the gaps?
Add dental, vision, hearing aids and prescription coverage on top of your provincial plan — the things government coverage was never built to handle.
Turned down before?
Declined by another insurer? It doesn't matter here. Acceptance is guaranteed regardless of your health history — apply and you're approved.
What the plan pays for
Straightforward essential coverage: 80% back on prescription drugs, 70% on dental and health services — designed to handle the everyday costs your provincial plan doesn't touch.
| Benefit | Guaranteed Acceptance Health Plan |
|---|---|
| Prescription drugs — 80% reimbursed | |
| Annual drug maximum | $625 per quarter, up to $2,500 / year |
| Birth control | Covered |
| Extended health care — 70% reimbursed | |
| Health practitioners (massage, physio, psychologist, chiropractor, osteopath, podiatrist, speech therapy) | $300 / year per practitioner |
| Ambulance | Up to $420 / year (+ $280 / year attendant) |
| Vision care | $105 per 24 months |
| Hearing aids | $350 per 5 years |
| Orthotics | $105 |
| Diabetic supplies, medical equipment, nursing & prosthetics | $2,500 / year combined |
| Accidental dental | Up to $7,000 lifetime |
| Dental care — 70% reimbursed | |
| Check-ups, x-rays, fillings, extractions & root canals | $1,000 / year combined |
| Travel | |
| Emergency medical coverage | Trips up to 17 days |
| Accidental death & dismemberment | |
| You and your spouse | Up to $25,000 each |
More than a card in your wallet
Day-to-day tools and support come standard — so using your coverage is as easy as having it.
Pre-existing conditions, day one
The conditions and medications you already have are covered immediately — no waiting periods, no exclusion clauses, no fine-print surprises.
Direct billing
Show your card at participating pharmacies, dentists and practitioners and pay only your portion — no claim forms, no waiting for reimbursement.
Mobile app
Submit claims from a photo, check what's covered before you book, and find providers anywhere in Canada — all from your phone.
24/7 confidential counselling
Round-the-clock support across health, relationships, financial planning and legal questions — there whenever life gets complicated.
Member discounts
Exclusive savings on health-related products and services across Canada — an easy way to get more out of every benefits dollar.
Real people, local advice
We're licensed brokers based in Newfoundland & Labrador — call, email or send the form and you'll deal with a person, not a phone tree.
Ready to make it official?
Send us your quote and we'll confirm it, answer your questions and get you enrolled — or apply online yourself in minutes. Whichever you prefer.
- Guaranteed approval — no medical questions, ever
- Licensed advisors based right here in Newfoundland & Labrador
- Advice costs you nothing, ever
Got it — we're on it!
Your request is in our inbox. We'll prepare your Guaranteed Acceptance quote and reach out shortly — usually the same business day.
Frequently asked questions
Is this a group plan? I don't have a business.
Are my pre-existing conditions really covered?
Why do some benefits have waiting periods?
How is this different from my provincial health plan?
Is there an age limit?
What if I want more coverage than this plan offers?
How do I find out my price?
Ready when you are
Get your guaranteed-acceptance quote today — online in minutes, or through us with real advice attached.
- Guaranteed approval — no medical questions, ever
- Licensed advisors based right here in Newfoundland & Labrador
- Advice costs you nothing, ever
Got it — we're on it!
Your request is in our inbox. We'll prepare your Guaranteed Acceptance quote and reach out shortly — usually the same business day.