Manulife CoverMe® Guaranteed Issue Enhanced Plan

With our comprehensive Guaranteed Issue Enhanced Health and Dental Insurance plan, you can help protect your health and reduce your out-of-pocket expenses with a wide range of healthcare coverage. There are no medical questions or exams at time of application – even if you have a pre-existing health condition.

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Coverage Overview

The Manulife CoverMe® Guaranteed Issue Enhanced Health and Dental Insurance plan may be right for you if you have pre-existing health conditions, and you require regular or more costly prescription drugs. This plan provides the best prescription drug coverage without having to answer any medical questions at time of application. Available to Canadians aged 18+ with a provincial or territorial government health care plan.

View a Sample Policy as a reference that indicates limitations, exclusions and conditions.

Prescription Drugs

  • 80% coverage of $3,125 for drug care (up to $2,500 paid per year)
  • $500 for Lifestyle* drugs (included in plan max)

Dental Care

  • 80% coverage of $562 for dental care (up to $450 paid per year)

Extended Health Care

  • 80% coverage of $625 for a combined maximum of $500 per year for registered specialists and therapists
  • Includes comprehensive coverage for mental health and therapy services, medical equipment, prosthetics and medical supplies and much more

Vision Care

  • $200 paid every 2 benefit years for prescription glasses, contact lenses and more (3 month waiting period)
  • Plan maximum of $60 every 2 benefit years for optometrist fees**

Hospital Care

  • In-Hospital Expenses
  • In-Canada Medical Travel
  • 3 month waiting period
  • $200 deductible per claim

Emergency Medical Travel Coverage

  • $5 million per person
  • 10 days per trip, unlimited number of trips
  • $200 deductible per claim
Does this plan seem like a good match for your needs?

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Top 5 questions about Guaranteed Issue Enhanced

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

To get health insurance, you must meet the following requirements:

  • be a resident of Canada,
  • have coverage under your government health insurance plan,
  • be at least 18 years of age on the date of application for the policy, except for children of an insured person.
  • Quebec residents must also be registered under the RAMQ Prescription Drug Insurance Plan or have equivalent coverage under a group plan, and


Note: If the plan is medically necessary or requires a medical questionnaire, you must disclose any medical condition, injury or illness that occurred or existed on or before the date of your application, regardless of whether you went to see a doctor about the condition or were given a diagnosis, or whether or not you believe that it is important. 

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. 

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