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
Any abnormal condition of the heart, heart disease or cardiopathy.
Lung/respiratory Condition
Any abnormal condition of the lungs, affecting the lungs or associated airways. Most commonly applicable to lung infection such as pneumonia, Chronic Obstructive Pulmonary Disease (COPD), asthma, etc.
Pre-existing Medical Conditions
A medical or dental condition for which treatment has been received or taken or symptoms have appeared prior to the Policy Effective Date and includes a medically recognized complication or recurrence of a medical condition.
Stable condition
A medical condition (other than minor ailment) for which all the following statements are true:
1. Has been no new diagnosis, Treatment or prescribed medication.
2. No test results showing a deterioration in Your condition.
3. No Hospitalization, referral to a specialist (made or recommended) or You are not awaiting test or Treatment.
4. No change in Your medical Treatment and/or change in dosage of a medication
(The following is not considered a change: the routine adjustment to Coumadin, Warfarin or insulin to maintain optimal levels and change from a brand name to a generic with the same dosage this condition will remain stable.)
Stability period
a. Stability is calculated at the departure date of your trip. For individuals 59 years or less, it can be 45 days with the option to reduce it to 7 days before the departure date.
b. Stability is calculated at the departure date of your trip. For individuals 60 years or older, it can be 365 days with the option to reduce to 180 days, 90 days, 7 days before the departure date.
Diabetes
A chronic condition where the body is unable to produce insulin and properly regulate or maintain sugar (glucose) level in the blood. Includes Type 1 diabetes mellitus, (insulin dependent or juvenile type) and Type 2 diabetes, (adult-onset or noninsulin-dependent diabetes mellitus -NIDDM), which is the most common form of diabetes.
Treat
A medical, therapeutic or diagnostic procedure ordered performed or recommended by a Physician, including but not limited to prescription medication, surgery or investigative testing that results in a diagnosis of a specific medical condition. Treatment Does not include Minor Ailment.
Cancer
Any malignant growth or tumor caused by abnormal and uncontrolled cell division; it may spread to other parts of the body through the lymphatic system or the blood stream.