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Travel Medical Insurance


Pre-Existing Condition Coverage

 

 TIC Travel Insurance Coordinators

  TIC  Emergency Hospital & Medical For Canadians

USA and Non-USA Plans

Benefits are not payable for costs incurred due to:

1. Any sickness, injury or medical condition, that exhibited symptoms for which a diagnosis need not have been made or required any or all of, medical consultation, prescription medication, medical treatment or hospitalization, within the 180 days immediately prior to the effective date.
If the insured is age 70 and under on the effective date:
a) When coverage is purchased prior to departure:
This exclusion applies to each trip of 36 days or longer including Top-Ups starting from the day the insured leaves the province/territory of residence, unless the insured has completed a medical questionnaire, has been approved in writing by TIC and has paid any required premium.
b) When coverage is purchased after departure:
This exclusion applies starting from the 36th day of each trip including Extensions unless the insured has completed a medical questionnaire, has been approved in writing by TIC and has paid any required premium.
If the insured is age 71 and over on the effective date:
This exclusion applies to each trip including Top-Ups and Extensions of any duration unless the insured has completed a medical questionnaire, has been approved in writing by TIC and has paid any required premium.

 

2.  Any sickness, injury or medical condition for which a diagnosis need not have been made or state of health which, prior to the effective date of coverage, was such as to render expected medical treatment or hospitalization.

 

TIC Global Expatriate Hospital & Medical Insurance

Basic and Select Plans

Benefits are not payable for costs incurred due to:

1.  Any sickness, injury or medical condition that exhibited symptoms
for which a diagnosis need not have been made or required any or all of: medical consultation, prescription medication, medical treatment or hospitalization prior to the effective date.


2 . Any sickness for which symptoms occurred within 48 hours of the effective date, except when the application for this insurance is completed:
a) prior to the insured leaving the country of origin; or
b) before the expiry date of an existing TIC Global Expatriate Policy.


3.  Any sickness, injury or medical condition for which a diagnosis need not have been made or state of health which, prior to the effective date was such as to render expected medical treatment or hospitalization.

 


 

  21st Century Travel Insurance (underwritten by Manulife Financial)

The company will not pay any expenses or benefits relating to:


1. A pre-existing condition. The pre-existing condition exclusion that applies to you depends on the Rate Category you qualified for when you purchased this policy.


Rate Category A+ and A. The company will not pay any expenses relating to:
a pre-existing condition that is not stable in the three (3) months before your effective date ; and/or,
• your heart condition if, in the three (3) months before your effective date, it has not been stable or you have taken any form of nitroglycerine for the relief of angina pain; and/or,
• your lung condition if, in the three (3) months before your effective date, it has not been stable or you required treatment with oxygen or Prednisone for your lung condition.


Rate Category B. The company will not pay any expenses relating to:
a pre-existing condition that is not stable in the six (6) months before your effective date ; and/or,
• your heart condition if, in the six (6) months before your effective date, it has not been stable or you have taken any form of nitroglycerine for the relief of angina pain; and/or,
• your lung condition if, in the six (6) months before your effective date, it has not been stable or you required treatment with oxygen or Prednisone for your lung condition.


Rate Category C. The company will not pay any expenses relating to:
a pre-existing condition that is not stable in the twelve (12) months before your effective date ; and/or,
• your heart condition if, in the twelve (12) months before your effective date, it has not been stable or you have taken any form of nitroglycerine for the relief of angina pain; and/or,
• your lung condition if, in the twelve (12) months before your effective date, it has not been stable or you required treatment with oxygen or Prednisone for your lung condition.

 

Pre-existing condition means a medical condition that existed before your effective date.

Stable means a medical condition for which:
• there have been no new symptoms, and existing symptoms have not become more frequent or more severe or there have been no test results showing deterioration; and/or
• a physician has not determined that the condition has become worse; and/or
• a physician (or other medical professional) has not prescribed or recommended a change in medication taken or medical care received for that condition; and/or
• a physician (or other medical professional) has not prescribed or recommended a change in treatment for that condition; and/or
• there has been no admission to a hospital and/or you are not awaiting results of further investigation for that medical condition.

 


 

 Manulife Financial

The company will not pay any expenses or benefits relating to:


1. A pre-existing condition. The pre-existing condition exclusion that applies to you depends on the Rate Category you qualified for when you purchased this policy.


Rate Categories A+ and A. We will not pay any expenses relating to:
• a pre-existing condition that is not stable in the three (3) months before your effective date; and/or,
• your heart condition if, in the three (3) months before your effective date, it has not been stable or you have taken any form of nitroglycerine for the relief of angina pain; and/or,
• your lung condition if, in the three (3) months before your effective date, it has not been stable or you required treatment with oxygen or Prednisone for your lung condition.


Rate Category B. We will not pay any expenses relating to:
• a pre-existing condition that is not stable in the six (6) months before your effective date; and/or,
• your heart condition if, in the six (6) months before your effective date, it has not been stable or you have taken any form of nitroglycerine for the relief of angina pain; and/or,
• your lung condition if, in the six (6) months before your effective date, it has not been stable or you required treatment with oxygen or Prednisone for your lung condition.


Rate Category C. We will not pay any expenses relating to:
• a pre-existing condition that is not stable in the twelve (12) months before your effective date; and/or,
• your heart condition if, in the twelve (12) months before your effective date, it has not been stable or you have taken any form of nitroglycerine for the relief of angina pain; and/or,
• your lung condition if, in the twelve (12) months before your effective date, it has not been stable or you required treatment with oxygen or Prednisone for your lung condition.


Rate Category D. We will not pay any expenses relating to:
• a pre-existing condition for which you have taken, received or been prescribed medication or treatment in the three (3) months before your effective date; and/or,
• your heart condition if, in the three (3) months before your effective date, you have taken, received or been prescribed medication or treatment or you have taken any form of nitroglycerine for the relief of angina pain; and/or,

• your lung condition if, in the three (3) months before your effective date you have taken, received or been prescribed medication or treatment or you required treatment with oxygen or Prednisone for your lung condition.

 

Pre-existing condition means a medical condition that existed before your effective date.

Stable means a medical condition for which:
• there have been no new symptoms, and existing symptoms have not become more frequent or more severe or there have been no test results showing deterioration; and/or
• a physician has not determined that the condition has become worse; and/or
• a physician (or other medical professional) has not prescribed or recommended a change in medication taken for that condition; and/or
• a physician (or other medical professional) has not prescribed or recommended a change in treatment for that condition; and/or
• there has been no admission to a hospital and/or you are not awaiting results of further investigation for that medical condition.

 


 

►  Group Medical Services

The following expenses are not covered by the policy and no payment for these claims will be made:

 

1. Expenses incurred where you act against medical advice or the advice of GMS.

2. Expenses resulting from the regular care of a chronic condition.

3. Expenses incurred as a result of non-adherence with medical treatment prior to departure.

4. Coverage for medical conditions that existed prior to your departure

date or prior to your effective date, if used as a top-up, is subject to the following:

 

This policy does not provide coverage for any expenses related directly or indirectly as a result of:

 

a) your medical condition and/or related condition and/or symptoms (whether or not the diagnosis has been determined) if at any time in the one hundred eighty (180) days preceding your departure date your medical conditions or related conditions and/or symptoms have not been stable;

 

b) if at any time in the one hundred eighty (180) days prior to your departure date:

i) any heart condition, has not been stable;

ii) any lung condition has not been stable.

 

Stable: Any medical condition or related medical condition for which:

a) there have been no new symptoms, more frequent or more severe symptoms;

b) there has been no change in treatment or change in medication (*);

c) A dosage adjustment of an anti-hypertensive or cholesterol lowering medication done in the pre-existing timeframe does not constitute a change;

d) there has been no deterioration of your medical condition;

e) there has been no hospitalization or referrals to a specialist including initial follow-up visits, tests or investigations booked in conjunction with a medical condition/symptom;

f) there is no further testing, treatment or investigation booked or results pending;

g) you have not experienced a symptom that remains undiagnosed;

h) no further medical treatment after departure would be anticipated.

 

(*) Any newly prescribed medication, change in medication type, increase/decrease in dosage or discontinuation of a medication constitutes a change. It does not include a change from a brand name medication to a generic brand medication of the same dosage. If you are taking Coumadin/Warfarin for anticoagulation therapy or are insulin dependent or take oral medication for diabetes and are required to have your blood levels tested on a regular basis and your medical condition remains unchanged, yet you are required to adjust the dosage of your medication only to ensure correct blood levels are maintained, this is not considered a change in medication, except for an adjustment (stop and start) in an anticoagulation medication dosage due to surgery within ten(10) days prior to your departure date or, if used as a top-up, on the effective date, constitute a change.

 

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Investments:    RESP     RRSP     TFSA     Guaranteed Investments     Segregated Funds

                                                       July 18, 2010