Travel insurance for Pre-existing Condition Coverage is an optional benefit, this rider provides up to $150,000 coverage for eligible unstable pre-existing conditions.
The most important consideration for Canadian Seniors when purchasing emergency medical travel insurance is whether they can get pre-existing medical conditions covered when traveling outside Canada. Determining whether your pre-existing medical conditions are covered can be confusing. TravelInsuranceplan.ca has prepared a guide to explain how the pre-existing condition exclusion clauses may apply to your medical travel insurance coverage.
Any sickness, injury or medical condition, that exhibited symptoms for which a diagnosis need not have been made or required any or all of, medical consultation, prescription medication, medical treatment or hospitalization, within the 180 days immediately prior to the effective date.
If the insured is age 70 and under on the effective date:
a) When coverage is purchased prior to departure:
This exclusion applies to each trip of 36 days or longer including Top-Ups starting from the day the insured leaves the province/territory of residence, unless the insured has completed a medical questionnaire, has been approved in writing by TIC and has paid any required premium.
b) When coverage is purchased after depature:
This exclusion applies starting from the 36th day of each trip including Extensions unless the insured has completed a medical questionnaire, has been approved in writing by TIC and has paid any required premium. If the insured is age 71 and over on the effective date:
This exclusion applies to each trip including Top-Ups and Extensions of any duration unless the insured has completed a medical questionnaire, has been approved in writing by TIC and has paid any required premium.