Visitors to Canada Travel Insurance Benefits Exclusions

1.      An injury or sickness where the trip is taken to get medical treatment or advice for such injury or sickness;

2.      Loss, death, or injury, that is contributed to by the abuse of drugs, alcohol or any other intoxicant; 

3.      An injury or sickness, or state of health which, prior to the effective date of coverage, was such as to render expected medical treatment or hospitalization; 

4.      Naturopathic, holistic or acupuncture treatment;

5.      Expenses incurred as a result of pregnancy or childbirth;

6.      Expenses incurred outside of Canada where the majority of the time on risk has not been spent in Canada;

7.      Expenses incurred inside an Insured’s Country of Origin, which is other than Canada;

8.      Any loss as a result of an injury or a sickness which required any or all of, medical consultation, prescription medication, medical treatment or hospitalization, at any time within the 180 day period prior to the effective date of this policy;

9.      Expenses incurred as a result of a sickness for which symptoms occurred within 48 hours of the effective date.

Notes: 

·          Travel Insurance does not cover everything.  Please read to understand them before you travel.

·          Pre-existing medical conditions may be excluded. 

·          Any medical condition you are aware of prior to the Effective Date of coverage whether diagnosed or not, may not be covered.