Single Trip
Choose Single Trip plan if you’d like insurance for one trip from your province of residence or Canada.
(Coverage commences upon your departure from your province of residence and expires when you return to your province of residence, no matter how many countries you visit during the trip).
Annual Multi Trip
Choose Annual Multi-trip plan if you’d like insurance for many trips taken in the next 12 months (Coverage for each separate trip commences immediately upon your departure from your province of residence and expires when you return to your province of residence. Each trip cannot exceed the maximum days you selected when you purchased your Multi-Trip plan).
Annual Multi Trip + Top-Up
Choose Annual Multi-trip +Top-Up if you’d like insurance for many trips during 12 months and a Top-Up for one trip which is longer than the number of day per trip allowed under the multi-trip plan.
Top-Up
Choose Top-Up if your trip is longer than the number of days covered under your existing policy (Coverage starts on the date after the date when your existing coverage expires).
Heart condition
Includes angina or chest pain, arrhythmia, coronary artery disease, congenital heart defect, acute and chronic heart failure, cardiomyopathy, myocardial infarction, cardiac tamponade, cardiogenic shock, cardiogenic syncope, heart block, heart murmur, and any other condition relating to the heart or cardiovascular system like carotid artery occlusions, vessel dissection and aneurysms of the great vessels.
Lung/respiratory Condition
Includes asbestosis, bronchiectasis, chronic bronchitis, chronic obstructive pulmonary disease (COPD), emphysema, pulmonary embolism, pulmonary fibrosis, Interstitial lung diseases, lung transplant, pleural effusions, pulmonary edema, tuberculosis or any other condition relating to lungs or respiratory system.
Pre-existing Medical Conditions
Expenses that are due to, contributed by, or resulting from pre-existing medical conditions, may qualify for coverage, if your pre-existing medical condition meets the stability period that applies to you.
Stability period:
If you are age 64 or younger on your effective date:
Pre -existing medical conditions that are stable for 90 days before the effective date qualify for coverage, up to the Sum Insured shown on your Confirmation of Coverage.
If you are age 65 or older on your effective date:
Pre -existing medical conditions that are stable for 150 days before the effective date qualify for coverage, up to the Sum Insured shown on your Confirmation of Coverage.
Stable:
To be considered stable during your stability period, your pre-existing medical condition or related conditions must not have resulted in any of the following:
1. New treatment (including new prescriptions),
2. Change in treatment including frequency, dosage (increase, or decrease, or stopping) or type (including prescriptions),
3. Signs or symptoms,
4. A new diagnosis,
5. Test results showing your condition is worsening,
6. Hospitalization,
7. A referral to a specialist, received or recommended, or
8. Waiting for any test results, further investigation, or surgery.
The following are considered stable:
• Diabetic Insulin users - Routine insulin adjustment not prescribed by your physician, as long as insulin was not first prescribed during your stability period,
• Coumadin, Warfarin users - Routine adjustment of these medications, as long as Coumadin or Warfarin were not first prescribed during your stability period,
• A change from a brand name medication to a generic medication, or
• Minor Ailments - a sickness or injury that ended more than 30 days prior to your effective date and did not require:
a) treatment (including prescriptions) for more than 30 consecutive days, or
b) more than one (1) follow-up with a physician.