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Visitors to Canada Medical Insurance

Pre-Existing Condition Coverage

Visitors to Canada emergency medical insurance for travelers who have  pre-existing medical conditions: if you want to have coverage for your pre-existing condition if an unexpected emergency related to this condition happens during your trip, make sure that your condition has been STABLE within a STABILITY PERIOD before the policy effective date.

 

Generally, a pre-existing medical condition is considered STABLE, if there was 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 new diagnosis within a stability period before the policy effective date.

STABILITY PERIOD may vary from 90 days to 180 days depending on the plan and your age.

 

Check pre-existing medical conditions coverage with insurance plans from major Canadian travel insurance providers:

  Group Medical Services (GMS) - Immigrants & Visitors to Canada

  Manulife Visitors to Canada

  Manulife Financial - Student Plan

  Allianz Global Assistance Visitors to Canada

  21st Century Travel Visitors to Canada Insurance (underwritten by Manulife Financial)

 TuGo Platinum Visitors to Canada Medical Insurance

  TuGo Traveller Visitors to Canada Insurance

  RSA Travel Visitors to Canada

  Travelance Visitors to Canada (Premier Plan)

  Destination Travel Group 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

1) 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 stability period.

b) If you are 60 to 79 years of age on the effective date:

i. Benefits are not payable for costs incurred due to or resulting from any of the following pre-existing conditions, unless you have completed a Medical Questionnaire, have been approved in writing by Allianz Global Assistance and have paid the required premium:

• heart condition;

• stroke or mini-stroke ( TIA- transient ischemic attack);

ii. Benefits are not payable for costs incurred due to or resulting from any pre-existing condition not listed under i) unless it was stable during the stability period.

c) If you are 80 to 89 years of age on the effective date:

Benefits are not payable for any pre-existing condition unless you have completed a Medical Questionnaire, have been approved in writing by Allianz Global Assistance and have paid the required premium.

 

Stability period:

a) if you are age 59 or under, is the 90 days immediately before the effective date.

b) if you are age 60 to 79, is 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 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 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 TIC 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 arising after any applicable Waiting period , from:

1. any pre-existing medical condition:

i) if you are age 60 or older and covered under the Standard rate category;

ii) other than a stable chronic condition if you are under age 60;

iii) other than a stable chronic condition if you are age 60 to 85 and you were eligible to purchase and paid the required premium for the Stable Chronic Condition Option.

 

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

•  a 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 the results.

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:


1. Any claim within the waiting period.
2. A pre-existing condition
Plan A – the company will not pay any expenses relating to:
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 – the company will not pay any expenses relating to:
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.
 

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

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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 Manulife Financial  - Student Travel Plan

Pre-existing condition exclusions
This policy will not pay any expenses or benefits relating to:

1. A pre-existing condition which has not remained Stable in the three (3) months before the effective date.

2.  Any pre-existing condition of a covered dependant and/or spouse that was not Stable in the three (3) months before the date the dependant/spouse became covered under this policy.

3. For covered dependants under two (2) years of age, any medical condition related to a birth defect whether genetic, acquired, or congenital.


Pre-Existing Condition means an injury, illness or symptom that exists before the effective date of insurance.

Stable means a medical condition for which:

 • you have not had any new symptom(s); and

• existing symptom(s) have not become more frequent or severe; and

• your physician has not determined that your medical condition has become worse; and

• no test findings have shown that your medical condition may be getting worse; and

• you have not received, been prescribed, taken or had a physician recommend any new medication, any change in medication.

Exceptions: the routine adjustment of Coumadin, warfarin, insulin to control diabetes (as long as the medication is 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); and

• you have not received, been prescribed or had a physician recommend any new treatment or any change in treatment; and

• you have not been hospitalized or referred to a specialty clinic or specialist; and

• your physician has not advised you to see a specialist or to have further tests, and you have not undergone testing for which you have not yet received the results.

 

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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 Platinum Medical insurance

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

Pre-existing Conditions as defined except as follows:

a) for persons 69 years and under, if Stable in the 120 days prior to the effective date of this Policy; or,

b) for persons 70 to 79 years, if Stable in the 120 days prior to the effective date of this Policy and the applicable optional coverage was purchased.

 

 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.

 

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►  TuGo Traveller 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 120 days before the effective date or the arrival date in Canada, whichever occurs later,

b) For insureds who are 60 to 69 years on the application date.

Pre-existing conditions that are not stable in the 180 days before the effective date or the arrival date in Canada, whichever occurs later,

c) For insureds who are 70 years and over on the application date.                       

Any pre-existing conditions.

 

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.

 

Pre-existing Condition 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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►  RSA Travel

A Pre-Existing Medical Condition  exclusion:

Plan 1 : Provides coverage for stable pre-existing medical conditions in the 120 days prior to the effective date, up to the maximum sum insured option you selected as indicated on your confirmation of insurance. This plan is available for applicants age 79 or younger.

Plan 2 : Provides NO coverage for any pre-existing medical conditions. This plan is available for applicants age 50 or over.

Pre-existing medical condition(s) means:

Any sickness, injury or medical condition for which at any time prior to your effective date:

a) you have experienced symptoms;

b) you have received medical care, advice, investigation or medical treatment;

c) you have been hospitalized;

d) you have been prescribed (including prescribed as needed) or have taken medication; or

e) you have undergone a medical or surgical procedure.

 

Stable Pre-Existing Medical Condition means:

a) A condition which is under treatment and has been controlled by diet or consistent use of medication prescribed by a physician and for which in the 120 days prior to the effective date of this policy there has been:

i. no hospitalization; and

ii. no change in treatment, medication or dosage.

Exceptions: A reduction in dosage or an elimination of medication resulting from an improved health condition, approved by a physician, does not constitute a change in medication or dosage. A reduction or elimination of treatment resulting from an improved health condition, approved by a physician, does not constitute a change in treatment.

b) A condition that existed more than 120 days prior to the effective date and which did not require treatment, as determined by a physician, during the 120 days prior to the effective date of this policy.

 

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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 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 Treatment, prescribed or recommended by a Physician or received within the time period specified in this Policy, prior to Your Start Date. 

 

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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.

c) If you are 80 years of age on the application date : Any pre-existing medical condition.

 

Stable means a pre-existing medical condition that:

 -   did not require, or was not referred for any medical consultation;

 -   did not require a change in type or dosage of medication.

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

Investments:    RESP     RRSP     TFSA        Segregated Funds

                                                       September 16, 2017