“ Claims Refused Will Cost Thousands of Dollars to Canadian Travellers ”
A “Pre-Existing Condition” is a health condition that "You Know about Before You Buy the Insurance”
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A stable
pre-existing condition definition is slightly different from different company and their
plans, it usually means:
a) You have not had any new symptoms, and existing symptoms have not become
more frequent or severe, no test results showing deterioration; and/or
b) your physician has not determined that the condition has become worse; and/or
c) you have not been hospitalized or referred to a specialty clinic or specialist.
d) you are not advised to see you specialist or further test.
Are you covered under standard policy?
Applicant could presently be in good health, but an applicant can be deemed to have a pre-existing
condition based on past health
problem or evidence of treatment for a particular condition.
If at the time of application you are taking medication, for example of High blood pressure, Heart Condition,
Lung Condition, Diabetes etc, or had a recent change in your medication, you might be considered
to have a pre-existing condition.
Are you covered under standard policy?
In order to be covered for any pre-existing medical conditions they're must be no
changes to current
medical conditions or no new medical conditions, symptoms, or medications during the
stability period
prior to your planned trip coming in Canada or travelling out-side of Canada or province of residence.
Stability Period will depend on your age and could be between 3, 6 up to 12 months. (90 to 365 days)
Are you covered under standard policy?
Good to know about Check-ups:
– Check-ups and pre-planned diagnostic procedures, such as a stress test or colonoscopy, in most cases do not affect the coverage for most travel insurance plans.
– If they were required because of new symptoms, or if they reveal a new medical condition or a change in a pre-existing condition, coverage will probably be affected so read your policy before you travel.
About Undiagnosed Medical Condition:
– If you have undiagnosed chest pains while in your home Province, and you have a heart attack while traveling, most insurance companies will consider the chest pains to be an unstable pre-existing heart condition.
– If you have any investigative testing, get your diagnosis before you leave.
IMPORTANT:
Don’t leave your home Province or Country with undiagnosed symptoms. If you have a medical emergency due to this condition while travelling, the medical expenses incurred could not be covered. Talk to our Expert!
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MAKE SURE YOU’RE FULLY COVERED! HERE ARE A FEW KEY QUESTIONS:
- Pre-Existing Medical Conditions covered?
- Emergency Transportation (such as air ambulance services) included?
- Dangerous sports or activities?
- Return of Deceased?
- 100% of Emergency Medical Bills Paid to provider?
