Canadian
insurance companies offer Visitors to Canada Medical
insurance plans WITH
and WITHOUT coverage for pre-existing medical
conditions.
If you
purchased a plan without coverage for pre-existing
medical conditions, only
NEW unexpected accident or
sickness requiring immediate treatment in Canada,
will be covered. Minor sicknesses such as cough, colds, body aches,
infections, and other health issues requiring medical consultations and
immediate treatment are covered up to the sum insured
as it is outlined in the policy.
If your medical condition does not meet the standard stability requirements,
you can opt the 7-day Stability Period Rider with
TuGo Visitors insurance
or the 30-day Stability period with
the
TrueNorth Visitors
plan, available at an additional cost.
Routine monitoring of a pre-existing condition during
the stability period is not considered a change
provided this condition is not worsening and
no change in treatment is recommended.
To
purchase any Visitors to Canada Medical Insurance
policy, you must meet the eligibility requirements.
Some Visitors insurance policies may have eligibility
requirements that involve health-related inquiries. This means
that specific medical conditions might
disqualify you from purchasing this policy.
Ensure that you are eligible for the chosen
insurance plan before proceeding with the purchase.
Pre-existing medical
condition coverage under Visitors to Canada insurance
►
21st Century Travel
Visitors to Canada Insurance (underwritten by Manulife
Financial)
►
Allianz
Global Assistance
Visitors
to Canada
►
Destination Travel
Group Visitors to Canada Insurance
► Group Medical Services
(GMS) - Immigrants & Visitors to Canada
►
Manulife
Visitors to Canada
►
TrueNorth
Visitors to Canada
►
Travelance Visitors to Canada (Premier Plan)
►
TuGo Visitors to Canada Insurance
Call us at
1-877-443-0101 (416-493-0101) for free consultation or
ask
your question ONLINE
►
Allianz Global Assistance
Pre-existing Conditions
Exclusion
a) If
you
are 59 years of age or under
on the effective date:
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 90 days
immediately before the effective date.
b) If
you
are 60 to 89 years of age on
the effective date:
Benefits are not payable for costs incurred due to or
resulting from your pre-existing medical condition or
related condition that was not stable at any time during the
180 days immediately before the effective date
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 frst 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 more than
30 days 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 any costs incurred due to any
sickness for which
signs or symptoms occurred
within 48 hours after the
effective date, except when
applying for coverage:
a) before the
expiry date of
your existing Allianz policy; or
b) prior to the date
you exit
your country of origin
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►
21st Century Travel Insurance
(underwritten by Manulife
Financial)
The
company will not reimburse you for
Insured services
or pay an Accidental Death and Dismemberment claim
and/or any other expenses directly or indirectly from:
Basic Plan (no age limit)
- Any pre-existing medical
condition.
Standard Plan (available for ages 55 to 85 on the policy effective date)
- Any pre-existing medical
condition that exist in the 180 days prior to the policy effective date.
Enhanced Plan (for ages up to 85)
i) if you are under age 55
- Other than a stable chronic
condition;
ii) if you are age 55 to 85
- Other than a stable chronic
condition and you were eligible
to purchase and paid the required premium for the Stable Chronic Condition Option (Medical
Declaration is required).
Stable
Chronic Condition means a
pre-existing medical condition for which, in the
180 days prior to your effective date of
insurance:
• there
have been no new symptoms or change in symptoms; and
• existing
symptoms have not become more frequent or severe; and
• physician has
not found that the medical condition has become worse;
• no
test findings have shown that the medical condition may
be getting worse; and
•
a physician has not
provided, prescribed, or recommended any new medication,
or any change
in medication; and
• a physician has not
provided, prescribed, or recommended any new treatment,
or any change in treatment; and
• there
has been no hospitalization or referral to a specialist
or specialty clinic; and
•
a physician has not
advised referral to a specialist or further testing, and
there has been no testing for which results have not yet
been received.
This policy
will not cover:
a)
any heart condition if, in the
180 days before the effective date, you required any
form of nitroglycerine for the relief
of angina pain.
b) any lung condition if, in
the 180 days before the effective date, you required
treatment with prednisone for a lung
condition.
Change
in medication means the medication dosage,
frequency or type has been reduced, increased, 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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Manulife Financial
The company
will not pay any expenses or benefits relating to:
Plan A
a) any medical
condition, diagnosed or undiagnosed,
which existed or for which you sought or received medical advice, consultation, investigation, or
for which treatment was
required or recommended by a physician, within the
180 days prior to the effective date.
b) any
heart condition if, in the 180 days before the effective
date, you required any form of nitroglycerine for the
relief of angina pain;
c) any lung condition, if in the 180 days before
the effective date, you required treatment with oxygen or
prednisone for a lung condition.
d) a pre-existing condition for which you
were hospitalized either more than once, or for at least
2 consecutive days, in the 12-month period before your
effective date of insurance.
Plan B
a) a pre-existing condition that is not
Stable in the
180 days before the effective date of insurance;
b) any heart condition if, in the 180 days before the
effective date, you required any form of nitroglycerine
for the relief of angina pain;
c) any lung condition if, in the 180 days before the
effective date, you required treatment with oxygen or
prednisone for a lung condition.
d) a pre-existing condition for which you
were hospitalized either more than once, or for at least
2 consecutive days, in the 12-month period before your
effective date of insurance.
STABLE medical
condition means that all of the following apply:
• you have not had any new symptom(s);
and
• existing symptom(s) have not become
more frequent or severe; and
• a physician has not determined that
the medical condition has become worse; and
• no test findings have shown that the
medical condition may be getting worse; and
• a physician has not provided,
prescribed, or recommended any new medication, any
change in medication;
and
• a physician has not provided,
prescribed or recommended any new treatment or any
change in treatment; and
• there has been no admission to a
hospital or referral to a specialty clinic or
specialist; and
• a physician has not advised referral
to a specialist or further testing, and there has been
no testing for which the results have not yet been
received.
Change in medication
means the medication dosage or
frequency has been reduced, increased, or stopped,
and/or new medication/s has/have been prescribed.
The following is
not considered a change in
medication:
a) 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;
b) a change from a brand-name drug to an equivalent
generic drug of the same dosage
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Group Medical Services
(GMS)
A Pre-Existing
Medical Condition exclusion:
GMS does not cover any expenses
resulting from medical condition(s) which
have not been STABLE for 180
days immediately prior to your
effective date, including:
a. medical condition(s)
for
which you received medical treatment or medical
consultation; and/or
b. undiagnosed medical
conditions(s) related to symptoms for which
you received medical treatment or medical consultation.
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
condition(s).
STABLE:
a medical condition is stable if,
a.
you have no reason to expect medical treatment after your effective date
for the medical condition or any symptoms ;
b.
in the 180 days before your effective date, you have not received new or
different medical treatment for the medical condition;
c.
in the 180 days before your effective date, you
have not had an alteration
to
an
existing prescription
drug or were prescribed a new drug for the medical condition;
d.
in the 180 days before your effective date, your medical
condition has not become worse;
e.
in the 180 days before your effective date, you
have not experienced new,
more frequent or more severe symptoms;
f.
in
the 180 days before your effective date,
you have not had or needed medical
consultation for undiagnosed symptoms;
g.
in
the 180 days before your effective date, you
have not
needed
in-hospital
care;
a referral to a specialist,
or
al follow-up visit;
and
h.
in the 180 days before your effective date, you
have not
had
tests or
an
investigation whether you know the results or not, related
to
the
medical condition.
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►
TuGo Visitors to Canada insurance
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)
a) For insureds
who are 59 years
and under on the application date
Pre-existing
conditions that are not
stable
in the 90
days before the policy effective date,
b) For insureds who are 60 to 69 years on the application date .
Pre-existing
conditions that are not stable
in the 120
days before the policy effective date,
c) For insureds who are 70 - 85 years on the application date.
Pre-existing
conditions that are not stable
in the 180
days before the policy effective date,
d) For insureds who are 86 years and over on the application date.
Pre-existing
conditions that are not stable
in the 365
days before the policy effective date.
2) 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.
Unstable Pre-existing Medical Condition Coverage
(Optional )
This Optional Coverage can be purchased as an endorsement
to the Emergency Medical Insurance plan.
Eligibility: you must be 79 years and under at the time of the application date of this Policy.
Maximum limit: Up to the sum insured as indicated on the declaration.
This coverage does not increase the maximum limits of the
Emergency Medical Insurance plan stated in the Policy.
When this Optional Coverage is purchased, the insurer will pay for
sudden and unexpected emergency medical condition incurred as a
result of your pre-existing medical conditions that do not meet
the stability requirements above but stable on or within the 7 days before the effective date of this Policy.
Pre-existing Condition means:
Any disease, illness or injury (including symptoms of undiagnosed conditions
that exists on or before the effective date of the Policy.
Stable Condition
A medical condition is considered stable when all of the following statements are true:
• There has been no deterioration of the medical condition as determined by a physician
or other registered medical practitioner, and
• There have been no new symptoms or findings or more frequent or severe symptoms or
findings, and
• There has been no change in treatment by a physician or other registered medical
practitioner or any Alteration in any medication related to the medical condition, and
• There has been no new treatment received, prescribed or recommended by a physician
or other registered medical practitioner.
Alteration
The medication usage, dosage or type has been increased, decreased or stopped and/or
a new medication has been prescribed.
Alteration does not include:
a. Changes in brand to an equivalent name brand or to an equivalent generic brand of the
same or equivalent usage or dosage; or,
b. Routine dosage adjustments within prescribed parameters for
insulin or oral diabetes
medication to ensure correct blood levels are maintained; blood sugar levels must be
checked regularly and the medical condition must remain unchanged; or,
c. Routine dosage adjustments within prescribed parameters for
blood thinner medication
to ensure correct blood levels are maintained; blood levels must be checked regularly
and the medical condition must remain unchanged; or,
d. A temporary stoppage of blood thinner medication up to a maximum of 24 hours if the
stoppage is required for a surgery or a procedure; or,
e. Usage changes due to the combination of several medications into one; the medical
condition must remain unchanged.
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Travelance
(Premier Plan)
There is no coverage and no benefits
will be payable for claims presented under this section
resulting from:
1. Pre-Existing Conditions or
related Medical Conditions as follows:
a) For ages 69 and under on
the Start Date,
- any Pre-Existing Condition or Medical
Condition that was not Stable and Controlled
during the 180 day period immediately prior to Your
Start Date.
b) For ages 70 to 79 on the
Start Date:
-
any Pre-Existing Condition
or Medical Condition that was not Stable and
Controlled during the 180 day period
immediately prior to Your Start Date; and,
- any of the following
Pre-existing Conditions that were present on Your Start
Date:
▪ Any
heart condition including but not limited to heart
attack, angina, arrhythmia or cardiac surgery;
▪ Any
brain condition including but not limited to stroke,
transient ischemic attack (TIA), mini-stroke, aneurysm
or seizure;
▪ Any
lung condition including but not limited to chronic
obstructive pulmonary disease (COPD), asthma, chronic
bronchitis or emphysema.
c) For ages 80 and over on
the Start Date,
- any Pre-Existing Condition or Medical
Condition that was present on Your Start Date.
Stable and Controlled
means:
- 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 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
- 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
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Destination Visitors to Canada
This policy will not provide
coverage, provide services, or pay claims for expenses
incurred directly or indirectly as a result of:
a) If you are 79 years of age
or under on the application date and selected
Option 1 at the time of application:
▪
Any
pre-existing medical condition unless it was stable in
the 120 days immediately before the effective date.
b) If you are 79 years of age or
under on the application date and selected
Option 2 at the time of application:
▪ Any
pre-existing medical condition.
If you are 80 years of age
on the application date:
▪ Any pre-existing medical
condition.
Stable means a medical condition that is considered
stable when all of the following statements are true:
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 in medication (including increase or decrease of dosage),
or any recommendation or starting of a new prescription drug, and
3. The medical condition has not become worse, and
4. There has not been any new, more frequent or
more severe signs or 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
Medical consultation
means any medical services obtained from a physician for
a sickness, injury or medical condition, including but
not limited to any or all of: history taking, medical
examination, investigative testing, advice or treatment,
and during which a diagnosis of the medical condition
need not have been definitively made. This does not
include routine annual medical check-ups where no
medical signs or symptoms existed or were found during
the check-up.
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TrueNorth Visitors Plan
If the Pre-Existing coverage was purchased, the insurer will not pay any expenses
or benefits relating to any pre-existing conditions and/or symptoms unless
the pre-existing condition meets the following guidelines: :
Standard and Enhanced Plans
i) For 0-74 years of age: a standard stability period is
180 days with option of a 90-day
stability period at additional cost.
ii) For 75+ years of age: a standard stability
is 365 days with options of a 180-day and a
90-day stability period at additional cost.
b) Gold and Platinum Plans
i) For 0-74 years of age: a standard stability period is
180 days with options of a 90-day and a
30-day stability period at additional cost.
ii) For 75+ years of age: a standard stability period is
365 days with options of a 180-day, a 90-day and a
30-day stability period at additional cost.
NOTE: dates are based from the departure from Your home Country.
STABLE describes any Medical condition or related 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:
• Routine (not prescribed by a Physician) adjustment ofi
insulin to control diabetes
provided the insulin was not first prescribed during the time period
specified in the pre-existing conditions exclusion as shown on Your Confirmation.
• 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 as shown on Your Confirmation and there is no increase or decrease in dosage.
• 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 as shown on Your Confirmation.
• A minor ailment
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NOTE: The product-related information is
for illustration only. Please refer to the policy
wording for the complete terms, benefits, conditions &
exclusions.