Personal Health Insurance
Guaranteed Acceptance

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Guaranteed Acceptance

Affordable and accessible health coverage for everyone

As Canadians we take a lot of pride in our public health coverage, but most of us probably don't realize the government health plan doesn't provide all the coverage we might need.

Many British Columbians don't have an employer sponsored benefit plan, and seek out personal coverage to guard against unexpected medical costs. Some personal plans don't cover pre-existing medical conditions which can make purchasing coverage difficult.

Guaranteed Acceptance does not require a medical questionnaire and guarantees you coverage. And with no deductible, Guaranteed Acceptance is an affordable way to protect you and your loved ones from health costs not covered by the government health plan.

Guaranteed Acceptance is a cost-effective choice for people who are:

  • Between jobs
  • Recent graduates
  • Wanting help minimizing out-of-pocket expenses
  • Having difficulty finding coverage due to existing medical conditions

Plan Details

Guaranteed Acceptance includes coverage for prescription drugs, registered therapists, dental care, out-of-province emergency medical protection, local ambulance, hospital accommodations and more.

The plan covers 80% of eligible expenses up to a lifetime maximum of $250,000 per covered person.

Plan Highlights:

  • Prescription Drugs: up to a maximum of $500 per year.
  • Paramedical visits: Covers visits to massage therapists, physiotherapists, chiropractors, naturopaths, chiropodists, podiatrists, osteopaths, speech pathologists, psychologists, registered dieticians and acupuncturists.

    First 24 months 25-48 months 49 months+
    $300 per person.
    $25 per visit
    $400 per person.
    $25 per visit
    $500 per person.
    $25 per visit
  • Vision Care: Covers the cost of prescription lenses, frames, contact lenses and laser eye surgery up to $100 per person and $30 for Optometrist.
  • Hospital Accommodation: Covers the cost for a semi-private or private hospital room. (After 12 months on the plan.)
  • Local ambulance: Coverage for the cost of ambulance. Includes air ambulance and payment for Treat No Transport charges (when an ambulance is called but transport to hospital is not required).
  • Nursing care: Private duty nursing care in your home with a Registered Nurse, following the discharge of an acutely ill patient from hospital.

    First 24 months 25-48 months 49 months+
    $1,200 per person per year $2,500 per person per year $5,000 per person per year
  • Medical Services and Supplies: Covers items like casts, crutches, oxygen and oxygen supplies, wheelchairs, hearing aids blood pressure monitors and more.

    First 24 months 25-48 months 49 months+
    $1,200 per person per year $2,500 per person per year $5,000 per person per year
  • Travel Emergency Medical Care: Covers 100% of out-of-province within Canada medical emergency care.
  • Accidental dental: Up to $2,500 per person for accidental damage to natural teeth.
  • Accidental death and dismemberment: Principal sum up to $25,000 (under the age of 70).
  • Final expense benefit: Up to $3,000 for each covered person (after 24 months on the plan if death occurs naturally; immediate coverage for accidental death).
  • Survivor benefit: No contributions payable by the beneficiary for 12 months (benefit available for the first 12 months following the approval of the application)
  • Dental: Covers 80% to a maximum of $400 per person per year including diagnostic expenses, preventive and basic restorative treatments, periodontal cleaning and prosthodontic services.

Virtual Care

Only Pacific Blue Cross Personal Health Insurance gives you 24/7 access to on-demand doctors and a care manager for referrals to specialists along with prescriptions from our Preferred Pharmacy Network delivered directly to your door.