Genetic testing: chances of being approved/worth going to US?

*ETA: SORRY THIS IS SO LONG, I DID NOT REALIZE!

I have never been diagnosed with bc. I have had several treatments in the past for pre-cancerous cervical abnormalities, but that is it. I am in my early 30's. My mother was dx with Stage III, aggressive invasive lobular carcinoma in her left breast at 48, about 7 years ago now. It was missed on mammogram less than a few months before. It was ER+. If I recall correctly, about 19/20 of her removed nodes were positive. She is doing very well these days after a mx and preventative mx of right breast, chemo, radiation. She is still on tamoxifen. She does suffer from lymphedema and several effects from chemo and such. 

Her mother (my maternal grandmother) was dx at 54, but had first seen signs of lump at in her late 40s but never returned until 54 due to distrust of the medical technician who had seen her. She died at 60 when I was a still a young girl. 

My mother's maternal grandmother died on an operating table. She had refused to go to doctors EVER and only went when near death. They did exploratory surgery of some sort and found her to be riddled with cancer. No primary dx, but may have been BC as well as anything else really. I never knew her. 

My mother's paternal grandmother had a BC dx in her 50s or 60s but was treated and lived to a ripe old age.

I do not have any aunts. I have one bio sister who is several years younger. I have some female cousins who are even younger (like in their late teens and early 20s). I do have some uncles in their 50's with no cancer as of yet, and one younger bio brother who is also healthy thus far. Maternal grandfather died of unrelated cancer (lung). Paternal side is overall healthy, with my paternal grandfather with colon cancer but this is likely very much lifestyle related. 

Maternal origins are Icelandic/Welsh/English.

Soon after my mother was first dx I went along with my mother when she went to see a genetic counselor. The genetic counselor was very dismissive of any risk and it was a very disturbing experience for us both. Especially as my mother was still fresh out of her bmx surgery and still in chemo. The counselor focused much more on chances I may have a high genetic risk of miscarriages (both mother and grandmother had many, many of them) which was not relevant to our purposes being there or to me really since I am not having children. It was not a pleasant experience and I felt pretty jaded after, hence me not really pushing much for it again for several years until the last few months or so.

And, not too surprisingly ever since then my mother has been very reluctant to try again as well. She was always very vigilant about self-exams, mammos, etc after witnessing her mother's experience since she knew she was higher risk, but she is positive there is no genetic link and/or is convinced by fact that I exercice and eat healthy and such that I will be fine. I am not convinced. Neither is my sister. Indeed, my familial risk causes me significant anxiety. Not just the risk to my own health, but having seen two women I love VERY much go through breast cancer, losing one, and thinking I was going to lose the other. I want to do all I can to avoid that for myself, and for my loved ones to have to witness that with me, or experience it themselves if they can take precautions. It breaks my heart to think to have to wait for either myself or my sister to get cancer to finally get testing.

A positive test won't change what I *want* to do. But it may change how medical practitioners are willing to treat me around here. I had a much easier time in my old province with my former doctor. But, I was in a bigger city and my doctor was a breast cancer researcher. It been difficult for me to get additional screening (MRI for example).  Also, I very much want a preventative bmx. I realize it may be very difficult finding someone willing to do one up here without a positive BRCA/BART test. This is why testing is important to me. That being said, even if those tests came back negative I would be pushing for a preventative bmx as I am not sure I will be convinced there isn't something happening in my family line. All were quite healthy women with low risk factors otherwise. I have many reasons I would rather get a preventative bmx than wait until there is something. I am not sure how successful I will be, I imagine it will be much harder without a postive BRCA/BART test..or with a negative one, but it is important to me. Anyway, that is a bit of a different topic altogether and one not without controversy, and other concerns, I am aware. 

Anyway, my mother is reluctant to go back and try again for testing as she is, as I said, convinced there is nothing though her last oncologist told her before they left that practice they really wanted her to go (after hearing her give her history). I have told her that things might have changed since our last experience and that I have seen criteria that will do testing on:

- those dx'd before 50 and/or

- has bc history and 2+ 1st, 2nd, 3rd degree relatives with bc and/or

- has bc history and is of certain ethic background including Icelandic.

She is still unconvinced and reluctant they will test her.

That being said, she has said if it will help me and my sister, she WILL go to the US and pay for it on her own instead of go through her provincial program. I have told her that likely if my sister or I got accepted in either of the provinces we live in they would WANT to test HER here first anyway since she has actually had BC but she told me to book her an appointment at Mayo Clinic and I have put in the request for an appointment for her on her behalf. 

I guess what I want to know from anyone who has had genetic testing or gone through it, especially in Canada, what are the chances my sister or I being approved for testing based on the above even though we have not had BC (my mother has said if either of us are approved she will give blood/swab as required)? If we are both refused, does it make sense for my mother to go to the US and pay the money (which she is willing to do) to get the testing? What are the chances of she being accepted for testing if she is paying for it out of pocket rather than worrying about provincial health insurance/private health insurance?