Looking for insurance that can cover underlying health conditions? The Health & Dental Guaranteed Issue Enhanced insurance plan provides guaranteed acceptance coverage for prescription drugs, dental, vision, and more. And if you have a pre-existing condition, this plan could cover that too.

Help protect your health by applying for the GI Enhanced plan today and getting the coverage you want – no medical questions asked when you apply!

Guaranteed acceptance*

Comprehensive coverage for pre-existing conditions

Fast and easy electronic claims

24/7 virtual access to healthcare professionals and more, with TELUS Health Virtual Care1

*Guaranteed acceptance dependent upon receipt of first premium payment and satisfaction of eligibility criteria

  • Prescription drugs** – plan maximum of $2,500 in paid expenses per year
    • Includes $500 maximum in paid expenses per year for the following: prescription birth control drugs, glucose sensors, oral erectile dysfunction drugs, smoking cessation drugs and aids up to a lifetime maximum of $300, medical marijuana, intra-uterine devices (IUDs) and diaphragms, anti-obesity drugs, vaccines
  • Dental care – including exams, cleaning, fillings, and oral surgery
  • Registered specialists and therapists – such as acupuncturists, chiropractors, massage therapists, etc.
  • Vision care – prescription lenses, frames, contact lenses and laser eye surgery to a maximum of $200 every two years
  • Nursing
  • Mental health and therapy – such as psychologists, registered social workers, etc.
  • Ambulance – unlimited ground and air
  • Medical equipment – such as canes, walkers, crutches, etc.
  • Emergency medical travel insurance – $5 million per person, 10 days per trip, 9-month stability, $200 deductible per claim

** Prescription drug coverage applies to costs not covered by your provincial or territorial prescription drug insurance plan, up to the maximums stated above. In Quebec, the prescription coverage available under this plan is limited to costs not covered by the RAMQ Prescription Drug Insurance Plan. It is not intended to be a replacement for the RAMQ Plan. In order to be eligible for coverage under this plan, you must have a provincial health card and be registered under the RAMQ Prescription Drug Insurance Plan or have equivalent coverage under a group plan.


  • TELUS Health Virtual Care – get 24/7 access to virtual healthcare anywhere in the world!
  • TELUS LivingWell Companion – Get live access to a trained operator for emergency assistance 24 hours a day, 7 days a week. Includes an optional fall detector.
  • TELUS SmartHome Security – Home security and home monitoring from your smartphone.

 TELUS Health Virtual Care, TELUS LivingWell Companion and TELUS SmartHome Security are trademarks of TELUS Corporation, used by it and its affiliates under license. The TELUS LivingWell Companion and TELUS SmartHome Security are a combined benefit. You can select one of these two benefits for reimbursement for six months every three years. Manulife cannot guarantee the availability of this benefit indefinitely.

Ready to buy?

You can get a quote and purchase this insurance online through Manulife CoverMe.

There’s lots of information out there. Speaking with an insurance advisor could be an effective way to sort some of it out. To find one that works near you, simply click on the ‘Find an advisor’ button below.

If your claim form is complete and accurate, you will generally receive payment within six business days. When information is missing, we may have to return the claim form to you. This delays processing and payment.

First, check to see if your provider has already submitted your claim. Often, you don't have to submit a claim because many hospitals, pharmacies and dentists can submit your claim directly to us. There's no online form or paperwork for you, and you only pay the amount your plan doesn't cover.

If your provider hasn't already submitted your claim, you can submit your claim online or on paper by mail.

Submit your claim online:

  • Within 12 months of the date you were charged
  • After you've paid more than any deductible in your plan
  • Specify the currency if your claim is for services outside Canada
  • Hold onto original receipts and applicable supporting documentation for 12 months

Submit your claim on paper by mail:

  • Within 12 months of the date you were charged
  • After you've paid more than any deductible in your plan
  • Specify the currency if your claim is for services outside Canada
  • Include original receipts and applicable supporting documentation
  • Make sure you've signed your claim form
  • Extended health claim form – for all covered expenses except dental expenses
  • Dental benefit claim form – must be completed by your dentist or dental specialist

Every province and territory has a different health insurance plan – check your health ministry's website for details – but most may not cover:

  • Prescription drugs
  • Dental checkups and treatment
  • Vision care
  • Semi-private or private hospital rooms
  • Registered specialists and therapists such as Acupuncturists, Chiropodists, Chiropractors, Naturopaths, Osteopaths, Physiotherapists, Podiatrists, Psychologists/Psychotherapists, Registered Massage Therapists, Speech Pathologists/Therapists
  • Health-related products such as orthotics, hearing aids, prosthetics and medical equipment
  • Health-related services such as ambulance, homecare and nursing, medical coordination and second medical opinions
  • Emergency medical care for travellers

Our health and dental plans that offer guaranteed acceptance, including the Flexcare® ComboPlusTM Starter Plan, Guaranteed Issue Enhanced Plan, and all four FollowMeTM plans for people whose group benefits are ending, cover eligible pre-existing conditions and eligible current medications. Our other health and dental plans only cover new medications. Refer to your policy for more details.