Pre-existing Medical Condition
A Pre-Existing Medical Condition exclusion may apply to a medical condition and/or symptoms that existed prior to your trip.
This plan covers emergency medical expenses relating to the condition that has been STABLE in the 90 days immediately before the effective date of the policy.
STABLE describes any medical condition or related condition, including any heart condition or lung condition, for which:
a) there has been no new treatment; and
b) there has been no change in treatment or change in treatment frequency or type; and
c) there have been no signs or symptoms or new diagnosis; and
d) there have been no test results showing deterioration; and
e) there has been no hospitalization; and
f) there has been no referral to a specialist (made or recommended) and you are not awaiting surgery or the results of further investigations performed by any medical professional.
The following are considered STABLE:
a) Routine (not prescribed by a physician) adjustment of insulin to control diabetes provided the insulin was not first prescribed during the stability period.
b) Change from a brand name medication to a generic medication provided the medication was not first prescribed during the stability period and there is no increase or decrease in dosage.
c) A minor ailment, which describes a sickness or injury during the stability period which ended prior to the effective date and which did not require:
i. treatment for a period longer than 15 consecutive days; or
ii. more than one follow-up visit to a physician; or
iii. hospitalization, surgery, or referral to a specialist.