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
Stable: Medical Condition (other than a Minor Ailment) for which all the following statements are true:
1. There has not been a new diagnosis, any new Treatment prescribed or recommended, or change(s) to existing Treatment (including a stoppage in Treatment),
and
2. There has not been any change to any existing prescribed Medication (including an increase, decrease, or stoppage to prescribed dosage), or any
recommendation or starting of a new prescription Medication (Exceptions the routine adjustment of Coumadin, Warfarin or insulin and the change from a brand
name Medication to a generic brand Medication of the same dosage); and
3. There has not been any new, more frequent or more severe Symptoms, and
4. There has not been any Hospitalization or referral to a specialist, and
5. There has not been any medical exam, investigative testing or test results showing deterioration; and
6. There has not been any Treatment recommended, planned or not yet completed, nor any outstanding test results.
All of the above conditions must be met for a Medical Condition to be considered Stable.
Stability period
Stability must be met prior to the departure date of your trip.
a) For individuals 59 years or less, it is 45 days with the option to reduce it to 7 days.
b) or individuals 60 years or older, it is 365 days with the option to reduce to 180 days, 90 days,
7 days.
Follow-up Visit
In the event that a Follow-up Visit is required or recommended, the stability period will begin the day following this visit.
“Follow-up Visit” – Means a consultation with a Physician during which the Pre-existing Medical Condition is evaluated, to determine the efficiency of the
prescribed Treatment, and confirm if the Treatment can be continued without further modification or investigation.
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.
Treated/Treatment
A medical, therapeutic or diagnostic procedure prescribed, performed or recommended by a Physician, including but not limited to
prescribed Medication (including Medication prescribed “as needed”), investigative testing and surgery.
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.