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Travel Medical Insurance Coverage for Pre-Existing Conditions

Travel medical insurance for Canadian travelers who have pre-existing conditions: if you want to have coverage for your pre-existing condition in the event of an unexpected emergency related to this condition during your trip, make sure that your condition has been STABLE within a STABILITY PERIOD before the policy effective date (or departure date),as it is defined in the policy.

 

Definition of STABLE

Generally, a pre-existing medical condition is considered STABLE, if there has been no change in medication (increase, decrease, stopping, new medications), no new symptoms,  no new treatment or tests, new medical consultation or referral to a specialist, no hospitalization, no test results showing deterioration, no new diagnosis within a STABILITY PERIOD before the policy effective date (or departure date).

Also, there have been no tests, medical investigation, surgery recommended, but not yet completed, nor any test results that had not been received at the time of departure.

 

Stability Period for Pre-existing Conditions

→ For travelers under 60:

Stability Period may vary from 7 days to 90 days depending on the plan. Most travel medical insurance plans require a 90-day stability period for coverage for pre-existing medical conditions, but shorter stability periods are also available.

●  A 7-day "stability period" is required for coverage for pre-existing conditions with TuGo Traveller Travel Insurance, if your trip does not exceed 35 days.

●  A 45-day stability period before your departure date is required for coverage for pre-existing conditions under True Escape and True Senior Guide Travel insurance plans. You can also choose a 7-day stability period at additional cost.

●  A 60-day stability period is available for travelers under 60 years of age with Travelance Travel Insurance.

 
Get your Online instant quote from various insurance providers.
 

→ For travelers 60 years old and over:

Standard Stability Period may be 90 days, 180 days, 365 days, which may depend on your age and the plan you qualify for based on your medical questionnaire on the application (if required). For more information about travel medical insurnace for snowbirds and seniors, please CLICK HERE.

 
To select your best option, please CLICK HERE to complete the General Medical questionnaire.
 

 

If your medical condition does not meet the stability requirements within a stability period stated in the policy, this condition is considered unstable and will be excluded from the policy (not covered).

However, some travel medical insurance policies offer a Reduced Stability Period option at additional cost.

 

Travel Medical Insurance with Reduced Stability Period Options and Individual Underwriting

You may be eligible for the following travel medical insurance plans with Reduced stability period riders or individual medically underwriting plan:

●  TuGo Quest Travel Insurance (for ages 55-89)

If your pre-existing condition does NOT meet the stability requirements, you may be eligible for TuGo Quest Travel Insurance that provides limited coverage (up to $150,000) for unstable pre-existing medical conditions. However, conditions for which symptoms arose or for which medical consultation was required or took place on the date of departure or at any time within the 7 days prior to the date of departure, other than a minor ailment, will not be covered.

You can also consider the Future Stability Option, which is important for multi-trip plans. Future Stability Option provides coverage for a pre-exiting condition which is stable at the time of application, but becomes unstable between the application date and departure date.

●  Destination Health Travel Plans (for ages up to 89)

The Reduced Stability Period option is available with Destination Travel Health Plans. You may qualify for 30-day, 90-day or 180-day reduced stability period for your pre-existing medical condition, depending on the plan you are eligible for based on your answers to medical questions on the application. Amount of coverage for a pre-existing medical condition that has been stable within a reduced stability period is up to $150,000.

●  Tour+Med Travel Medical Insurance (no age limit for single trips)

This policy covers pre-existing conditions that have been stable within 6 months before the departure date. But by paying an additional premium, you can choose to reduce the period of stability from 6 months to 30 days for a specific medical condition identified on your policy application.

There is also the Optional Exclusion Option: In exchange for a lower premium, you may choose the Optional Exclusion Option  for the medical conditions mentioned in your Personalized Medical Declaration.

●  Northbridge Travel Medical Insurance Plans

With True Escape and True Senior Guard Travel Medical insurance, the standard stability period for travelers 60 years or older is 365 days before the departure date. However, at the time of purchase, you can choose an option with reduced stability period of 180 days, or 90 days, or 7 days at additional cost.

●  Individual Medically Underwriting Plan underwritten by Manulife  (no age limit)

If you have been denied coverage before and/or have unstable pre-existing medical conditions, you may be eligible for an individual medically underwriting plan. It is emergency medical insurance that covers fully disclosed pre-existing conditions without stability requirements, and the cost of your insurance is based on your own specific health situation. ALL medical conditions must be declared, including any that have in the last 5 years been diagnosed or a traveler has received treatment and/or taken medication for. If the eligibility requirements are met, all declared conditions will be covered during the trip. Please call at 1-877-443-0101 for more information.

 

NOTE: Travel insurance does not provide coverage for regular medications and procedures the insured uses to maintain his/her pre-existing condition stable.

 


 

Check pre-existing medical condition coverage with travel medical insurance policies

from major Canadian travel insurance providers

Allianz Global Assistance Emergency Hospital & Medical Insurance for Canadians

Allianz Global Assistance Canadian Expatriate Hospital & Medical Insurance

Destination Travel Health Plans (reduced stability period option available)

Group Medical Services (GMS)

Manulife Financial

RSA Travel

Travelance Travel Insurance

TuGo Traveller Travel Insurance

TuGo Quest Travel Insurance (coverage for stable and unstable pre-existing medial conditions)

21st Century Travel Insurance

 

Call us at 1-877-443-0101 (416-493-0101) for consultation or ask your question ONLINE

  

Allianz Global Assistance Emergency Hospital & Medical Insurance for Canadians

Pre-existing Condition Exclusion

a) If you are age 59 or under, benefits are not payable for costs incurred due to or resulting from your medical condition or related condition, other than a minor ailment, that was not stable at any time during the 90 days immediately before the effective date.

b) If you are age 60 or over, depending on your answers to the medical questionnaire, benefits are not payable for costs incurred due to or resulting from your medical condition or related condition, other than a minor ailment:

i. that was not stable at any time during the 90, 180, or 365 days immediately before the effective date; or

ii. for which you received treatment at any time during the 365 days immediately before the effective date; or

iii. for which you received treatment at any time before the effective date.

 

Refer to your confirmation of coverage for the pre-existing conditions exclusion that applies to you.

 

Stable describes any medical condition or related condition, including any heart condition or lung/respiratory 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 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 time period specified in the Pre-Existing Conditions Exclusion shown on your confirmation of coverage.

b) Change from a brand name medication to a generic medication provided the medication was not first prescribed during the time period specified in the Pre-Existing Conditions Exclusion shown on your confirmation of coverage and there is no increase or decrease in dosage.

c) The routine adjustment of Coumadin or Warfarin provided the Coumadin or Warfarin was not first prescribed during the time period specified in the Pre-Existing Conditions Exclusion shown on your confirmation of coverage.

d) A minor ailment.

 

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Allianz Global Assistance Canadian Expatriate Hospital & Medical Insurance

Pre-existing Condition Exclusions

1. Standard Option

Benefits are not payable for costs incurred due to any sickness or injury or medical condition, whether or not diagnosed by a physician:

a) for which you exhibited signs or symptoms; or

b) for which you required or received medical consultation; and

c) which existed prior to the effective date of your coverage.

 

2. Enhanced and Deluxe Options

Benefits are not payable for costs incurred due to or resulting from your medical condition or related condition that was not stable at any time during the stability period.

Stability period is the 365 days before the effective date.

 

Stable describes any medical condition or related condition, including any heart condition or lung/respiratory 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 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.

The following conditions are not considered stable:

a) any lung condition for which you were prescribed or are taking prednisone;

b) any heart condition for which you were prescribed or are taking nitroglycerin.

 

2. Benefits are not payable for costs incurred due to any sickness for which signs or symptoms occurred during the 48 hours after the effective date, except when the application for this insurance is received:

a) prior to your leaving Canada; or

b) before the expiry date of your existing policy with Allianz.

 

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Destination Travel Health Plans (underwritten by Manulife Financial)

Pre-existing Medical condition exclusion:

Automatic Stability period

(i) If you qualify for the Premier Plan (based on your medical questionnaire):

Benefits are not payable for costs incurred due to any pre-existing medical condition or related condition (other than a minor condition) that was not stable at any time during the 90 days prior to the policy effective date.

 (ii) If you qualify for the Ultra Preferred Plan (based on your medical questionnaire):

Benefits are not payable for costs incurred due to any pre-existing medical condition or related condition (other than a minor condition) that was not stable at any time during the 180 days (90 days for high blood pressure) prior to the policy effective date.

(iii) If you qualify for the Super Preferred Plan or Elite Preferred Plan (based on your medical questionnaire):

Benefits are not payable for costs incurred due to any pre-existing medical condition or related condition (other than a minor condition) that was not stable at any time during the 365 days (90 days for high blood pressure) prior to the policy effective date.

 

Reduced Stability Period Option

(i) If you qualify for the Premier Plan:

If you selected the Reduced Stability Period Option coverage is limited to $150,000 for eligible expenses incurred due to or resulting from your medical condition or related condition, other than a minor condition, that was stable for more than 30 days but less than 90 days.

(ii) If you qualify for the Ultra Preferred Plan:

If you selected the Reduced Stability Period Option coverage is limited to $150,000 for eligible expenses incurred due to or resulting from your medical condition or related condition, other than a minor condition, that was stable for more than 30 days but less than 180 days.

(iii) If you qualify for the Super Preferred Plan or Elite Preferred Plan:

If you selected the Reduced Stability Period Option coverage is limited to $150,000 for eligible expenses incurred due to or resulting from your medical condition or related condition, other than a minor condition, that was stable for more than:

If you selected Option 1: 90 days but less than 365 days; or

If you selected Option 2: 180 days but less than 365 days.

 

Stable: Describes all medical conditions for which:

a) there has been no new treatment; and

b) there has been no alteration in any medication for the condition or in its usage or in its dosage; and

c) there has been no change in treatment frequency or type; and

d) there have been no signs or symptoms or new diagnosis; and

e) there have been no test results showing deterioration; and

f) there has been no hospitalization; and

g) there has been no referral to a specialist (made or recommended) and you are not awaiting surgery or the results of investigations performed by any medical professional.

The following conditions are not considered stable:

a) any lung condition for which in the last 365 days you were prescribed or used prednisone for a period of more than 10 consecutive days;

b) any heart condition for which in the last 12 months you have used nitroglycerin.

The following are considered stable:

a) Routine (not prescribed by a physician) adjustment of insulin or coumadin provided it 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 change in dosage.

c) A new medication prescribed solely as a result of a drug manufacturer’s discontinuance of the original medication taken.

d) The decrease or elimination of a medication dosage by a physician, provided that it has changed more than 90 days prior to your policy effective date and has not had any effect on the stability of your medical condition for the 90 days prior to your departure date.

 

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Group Medical Services (GMS)

Pre-existing Medical conditions exclusion:

No coverage or reimbursement for expenses resulting from medical conditions which have not been stable for one hundred and eighty (180) days immediately prior to your departure date, including:

a. medical condition(s) for which you received medical treatment or medical consultation; and/or

b. undiagnosed medical condition(s) related to symptoms for which you received medical treatment or medical consultation.

 

Stability When Topping-Up Other Insurer's Plans: No coverage or reimbursement for expenses where this policy is being used as a top-up for another insurer's emergency medical insurance, unless the medical conditions have been stable for one hundred eighty (180) days prior to the effective date of the top-up.

 

Stability When Topping-Up a GMS Plan: No coverage or reimbursement for expenses where this policy is being used as a top-up to existing GMS emergency medical coverage, unless medical conditions are stable as defined by the stability period specified within the GMS policy this policy is topping-up.

 

You must be stable based on the definition of stable in this policy, regardless of the opinion of your physician or any other person who may provide an opinion on your medical conditions.

 

Stable: a medical condition is considered stable and controlled, only when all of the following statements are true.

1)  there has not been any new medical treatment prescribed or recommended, or change(s) to existing medical treatment or stopped medical treatment; and

2)  there has not been any change to any existing prescribed drug (including an increase, decrease, or stopping to prescribed dosage), except:

a. a dosage adjustment for anti-hypertensive or cholesterol lowering medication;

b. a change from brand name medication to generic medication and vice versa of the same dosage;

c. Coumadin/Warfarin prescribed as an anticoagulation therapy adjusted to ensure your INR is maintained within therapeutic range as directed by your physician[s) provided there has been no other change in your condition; and

d. insulin or oral anti-diabetic medication where blood levels are tested on a regular basis and adjustments to the dosage are made to ensure your blood glucose level is maintained within therapeutic range as directed by your physician{s) provided there has been no other change in your condition; and

3)  the medical condition has not become worse; and

4)  there have not been any new, more frequent or more severe symptoms; and

5)  there has been no hospitalization or referral to a specialist; and

6)  there has been no tests, investigation or medical treatment recommended, but not yet complete, nor any outstanding test results.

 

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Manulife Financial

Pre-existing Condition Exclusion

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

If you are under the age 60, you automatically qualify for Rate Category A.

For applicants 60 years old and over, Rate Category depends on the answers on the medical questionnaire: it may be A, B, C.

 

Rate Categories  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 and C. 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.

 

NOTE: For the Travel Canada Emergency Medical plan, no pre-existing medical condition exclusion applies.

 

Other exclusions

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

1. For children under two (2) years of age, any medical condition related to a birth defect.

 

2. For policy extensions or Top-Ups: any medical condition which first appeared, was diagnosed or treated after the scheduled departure date and prior to the effective date of the insurance extension or Top-Up.

 

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

Stable: A medical condition is considered stable when all of the following statements are true:

• there has not been any new treatment prescribed or recommended, or change(s) to existing treatment (including a stoppage in treatment), and

• there has not been any change in medication, or any recommendation or starting of a new prescription drug, and

• the medical condition has not become worse, and

• there has not been any new, more frequent or more severe symptoms, and

• there has been no hospitalization or referral to a specialist, and

• there have not been any tests, investigation or treatment recommended, but not yet complete, nor any outstanding test results, and

• there is no planned or pending treatment.

 

Change in medication means the medication dosage, frequency or type has been reduced, increased or stopped, and/or new medication(s) has/have been prescribed.

Exceptions: the routine adjustment of Coumadin, Warfarin or insulin (as long as they are not newly prescribed or stopped) and there has been no change in your medical condition; and a change from a brand name medication to a generic brand medication of the same dosage.

 

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RSA Travel

Pre-existing Condition Exclusions

The following exclusions are applicable to any medical condition you have, including any medical condition you have disclosed on the Application (if applicable).

This insurance does not cover losses or expenses caused directly or indirectly, in whole or in part, by:

1. Any sickness, injury or medical condition (other than a minor ailment) that was not stable at any time during the applicable Pre-Existing Period prior to each departure date.

2. Your heart condition, if any heart condition was not stable at any time during the applicable Pre-Existing Period prior to each departure date.

3. Your lung condition, if:

a) Any lung condition was not stable; or

b) You have been treated with home oxygen or taken oral steroids (e.g., prednisone) for any lung condition; at any time during the applicable Pre-Existing Period prior to each departure date.

 

For applicants 60 years of age and under:  Pre-existing condition stability period is 90 days .

For applicants 60 years of age and over: Pre-existing period may be  90 days or 365 days depending on the answers to medical questions on the application.

For 60 to 79 Vacation Plan : Pre-existing condition stability period is 90 days

For Canada plan: Pre-existing medical condition exclusion is not applicable.

 

Stable means any medical condition (other than a minor ailment) for which all the following statements are true:

a) There has been no new diagnosis, treatment or prescribed medication;

b) There has been no change in treatment or change in medication, including the amount of medication to be taken, how often it is taken, the type of medication or change in treatment frequency or type.

Exceptions: the routine adjustment of Coumadin, Warfarin, insulin or oral medication to control diabetes (as long as they are not newly prescribed or stopped) and a change from a brand name medication to a generic brand medication (provided that the dosage is not modified);

c) There have been no new symptoms, more frequent symptoms or more severe symptoms;

d) There have been no test results showing deterioration;

e) There has been no hospitalization or referral to a specialist (made or recommended) and you are not awaiting results of further investigations for that medical condition.

 

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Travelance Travel Insurance

Pre-existing Condition Exclusion

There is no coverage and no benefits will be payable for claims resulting from:

1. Pre-Existing Conditions or related Medical Conditions as follows:

a) For ages 59 and under on the Departure Date, any Pre-Existing Condition or Medical Condition that was not Stable and Controlled during the 60 day period immediately prior to Your Departure Date or which, in the opinion of Your Physician, would be expected to require Treatment in the foreseeable future.

b) For ages 60 to 74 on the Departure Date, any Pre-Existing Condition or Medical Condition that was not Stable and Controlled during the 180 day period immediately prior to Your Departure Date or which, in the opinion of Your Physician, would be expected to require Treatment in the foreseeable future.

c) For ages 75 and over on the Departure Date, any Pre-Existing Condition or Medical Condition that was not Stable and Controlled during the 365 day period immediately prior to Your Departure Date or which, in the opinion of Your Physician, would be expected to require Treatment in the foreseeable future.

Coverage is not provided for any claims arising from:

a) a heart condition involving the taking of nitroglycerine more than once per week for the relief of angina within the time periods listed above;

b) a lung condition treated with home oxygen or the taking of oral steroids (prednisone or prednisolone) within the time periods listed above.

 

Stable and Controlled means a medical condition where:

1. there has not been 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 drug (including an increase, decrease, or stoppage to prescribed dosage), or any recommendation or starting of a new prescription drug.

If you require a routine adjustment to the dosage of your prescription for Coumadin, Warfarin or Insulin (unless it is newly prescribed or stopped) to ensure correct blood levels are maintained, such a change is not considered an alteration in medication provided the condition remains unchanged; and

3. the medical condition has not become worse; and

4. there has not been any new, more frequent or more severe symptoms; and

5. there has been no hospitalization or referral to a specialist; and

6. there have not been any tests, investigation or treatment recommended, but not yet complete, nor any outstanding test results; and

7. there is no planned or pending treatment.

All of the above conditions must be met for a medical condition to be considered stable and controlled.

 

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TuGo Traveller Travel Insurance

Pre-existing Condition Exclusions

Worldwide and Worldwide excluding USA Plans

The company will not be liable to provide coverage or services, or to pay claims for expenses incurred directly or indirectly as a result of:

1) Any pre-existing condition, except as follows:

●  Applicable to persons 59 years and under (on the application date)

a) On trips 35 days or less, except for conditions and/or symptoms (other than a minor ailment)

i. That arose or worsened on the date of departure or at any time within the 7 days before the date of departure; or,

ii. For which medical treatment was obtained on the date of departure or at any time within the 7 days before the date of departure; or,

iii. That developed before departure and was undiagnosed at the time of departure.

b) On trips over 35 days, any condition which has remained stable in the 90 days prior to the  date of departure.

If you extend your trip and the total trip length (including the extension) exceeds 35 days, paragraph b) applies.

●  Applicable to persons 60 to 74 years (on the application date)

On all trip lengths, pre-existing conditions has remained stable in the 180 days prior to the date of departure.

●  Applicable to persons 75 years and over (on the application date)

On all trip lengths, pre-existing conditions has remained stable in the 365 days prior to the date of departure

If you purchased this Policy to top-up any other insurance plan, the stability for pre-existing conditions is based on your total trip length.

Pre-existing conditions that do not meet the criteria set out above are not covered.

Refer to the following definitions: accident and injury, alteration, medical treatment, minor ailment, pre-existing condition, sickness and stable on the policy wording.

Travel In Canada

Pre-existing condition exclusion does not apply to this plan. 

 

2. Any medical treatment, recurrence or complications related directly or indirectly to a sickness or injury which was diagnosed or for which symptoms first occurred, or medical treatment was received after the date of departure but prior to the effective date of this Insurance, unless this Policy is purchased to top-up any other insurance plan.

 

3. Conditions or any related conditions for which, prior to departure, testing or investigative consultation took place, was scheduled to take place or was recommended (not including routine check-up or routine monitoring for a medical condition), and for which results had not yet been received at the time of departure. This includes tests that were recommended or scheduled prior to departure, but had not yet taken place at the time of departure.

 

Pre-existing Condition (for Emergency Medical Insurance) means:

a) A dental or medical condition, illness or injury that has been diagnosed, and for which you have consulted, or received dental or medical treatment before the date you leave for your trip; or,

b) A dental or medical condition, illness or injury that has not yet been diagnosed, and for which you were experiencing symptoms before the date you leave for your trip; or,

c) A medically recognized complication or recurrence of a medical or dental condition, illness or injury, whether or not the condition was diagnosed before the date you leave for your trip.

 

Stable means that within the period specified in this Policy:

a) There has been no deterioration of your condition as determined by your physician, and

b) There have been no new symptoms or findings or more frequent or severe symptoms or findings, and

c) There have been no symptoms experienced by you related to the condition that remains undiagnosed, and

d) There has been no change in medical treatment, and,

e) There has been no alteration in any medication for the condition, and

f) There has been no new medical treatment prescribed or recommended by a physician or received.

 

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TuGo Quest Travel Insurance (for snowbirds and seniors)

Pre-existing Condition Exclusions

The company will not provide coverage or services, or to pay claims for expenses incurred directly or indirectly as a result of any pre-existing condition, except as follows:

a) Applicable to the Gold plan:

Pre-existing conditions that are STABLE in the 90 days prior to the commencement date of a covered trip.

b) Applicable to the Silver plan

Pre-existing conditions that are STABLE in the 180 days prior to the commencement date of a covered trip.

c) Applicable to the Bronze plan

i. Diabetes, heart and lung conditions that are STABLE in the 365 days prior to the commencement date of a covered trip.

ii. All other pre-existing conditions that are STABLE in the 180 days prior to the commencement date of a covered trip.

Pre-existing conditions that do not meet the criteria set out above are not covered, unless you have purchased the Guaranteed Stability Option or the Future Stability Option.

 

STABLE means the medical condition is not worsening and there has been no alteration* in any medication for the condition or its usage or dosage, nor any medical treatment prescribed or recommended by a physician or received, within the period specified in this Policy before the commencement date of a covered trip.

* Alteration includes an increase or decrease in medication dosage, usage or a change in medication type, but does not include changes in brand due solely to the availability of your usual brand or due to government regulations regarding reference-based pricing.

 

Optional Coverage for Unstable Pre-existing Medical Conditions

Guaranteed Stability Option

The company will reimburse you for eligible medical related expenses due to sickness or injury incurred as a result of a medical condition which existed prior to the commencement date of a covered trip.

This is an option to purchase coverage for pre-existing  conditions including conditions that did not meet the stability requirements. Amount of coverage is up to a maximum of $150,000, 40% surcharge . This option can be purchased any time before the effective date of the policy, and with Multi-trip plan after the effective date of the policy provided insured is in home province at the time of purchase.

 

Future Stability Option

The company will reimburse you for eligible medical related expenses due to sickness or injury incurred as a result of a medical condition which existed prior to the commencement date of a covered trip including unstable pre-existing conditions provided the pre-existing conditions were stable at the time of application according to the plan the applicant qualifies for. Amount of coverage is up to a maximum of $150,000, 10% surcharge.

If your pre-existing medical conditions meet the stability requirements above at the time of application, but you want your pre-existing conditions including conditions that became unstable after the application date to be covered you can apply for Future Stability Option.

This option has the following exclusion: Any subsequent claim of the same medical condition or related medical condition with respect to a sickness or injury which occurred during a covered trip.

 

Both options above have the following exclusion: the Policy does not cover conditions for which symptoms arose or for which medical consultation was required or took place on the date of departure or at any time within the 7 (seven) days prior to the date of departure, other than a minor ailment.

 

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21st Century Travel Insurance (underwritten by Manulife Financial)

Pre-existing Condition Exclusion

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

If you are under the age 60, you automatically qualify for Rate Category A.

For applicants 60 years old and over, Rate Category depends on the answers on the medical questionnaire: it may be A, B, C.

 

Rate Categories  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 and C. 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.

 

NOTE: For the Travel Canada Emergency Medical plan, no pre-existing medical condition exclusion applies.

 

Other exclusions

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

1. For children under two (2) years of age, any medical condition related to a birth defect.

 

2. For policy extensions or Top-Ups: any medical condition which first appeared, was diagnosed or treated after the scheduled departure date and prior to the effective date of the insurance extension or Top-Up.

 

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

Stable: A medical condition is considered stable when all of the following statements are true:

• there has not been any new treatment prescribed or recommended, or change(s) to existing treatment (including a stoppage in treatment), and

• there has not been any change in medication, or any recommendation or starting of a new prescription drug, and

• the medical condition has not become worse, and

• there has not been any new, more frequent or more severe symptoms, and

• there has been no hospitalization or referral to a specialist, and

• there have not been any tests, investigation or treatment recommended, but not yet complete, nor any outstanding test results, and

• there is no planned or pending treatment.

 

Change in medication means the medication dosage, frequency or type has been reduced, increased or stopped, and/or new medication(s) has/have been prescribed.

Exceptions: the routine adjustment of Coumadin, Warfarin or insulin (as long as they are not newly prescribed or stopped) and there has been no change in your medical condition; and a change from a brand name medication to a generic brand medication of the same dosage.

 

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NOTE: The product related information is for illustration purpose only. Please refer to the policy wording for the complete terms, benefits, conditions & exclusions.

 


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June 23, 2020