Other Conditional Coverage

Pre-existing Condition Coverage (Applicable to Annual Medical Plan and Single Trip Plans)

·       For 55 years and under:

·        Pre-existing Conditions are covered on trips 28 days or less*.  On trips over 28 days, Pre-existing Conditions are covered if Stable in the 90 days prior to departure.

        For 56 to 69 years:

·          Pre-existing Conditions are covered on trips 14 days or less*.  On trips over 14 days, Pre-existing Conditions are covered if Stable in the 180 days prior to departure.

        For 70 to 89 years:

·       On all trip lengths, Pre-existing Conditions are covered if Stable in the 365 days prior to the commencement date of a covered trip.

·       For complete exclusions, limitations and conditions, please refer to the policy wording booklet.

*Except for conditions where symptoms arose or medical consultation was required within 7 days prior to departure, with the exception of a Minor Aliment.

 

Cardiovascular Condition Exclusion

Coverage for a cardiovascular condition is excluded for persons 65 years and over if:

a)·      You are taking a total of 3 or more medications that have been ordered by a Physician, other than medication taken for high blood pressure; and,

b)·      One or more of these medications is related to a cardiovascular condition.

Medication taken for thyroid, glaucoma, allergies, eczema, heartburn, menopause, migraines, sleeping disorders or a Minor Ailment, are not considered unless these medications are taken as a result of a cardiovascular condition.

Special Notes:

Definitions (Applicable to All Plans):

"Family Definition"

A person aged 59 years and under plus that person's legal or common-law spouse if aged 59 years and under, and unmarried, dependent children if aged 21 years and under living in the same household as the Insured.  All insured Family members must be named in the Application/Declaration pertaining to and forming part of this policy.

"Minor Ailment"

A condition which did not require the use of medication for a period of greater than 30 days, which did not require follow-up or referral visit to a Physician, or which did not require hospitalization or surgical intervention.