Coverage is not provided for treatment, services or
expenses related to: - a pre-existing condition which is defined as a:
- a condition for which:
- you had symptoms, diagnosis or treatment, including medication;
or
- you had, or it was recommended that you should have,
investigations, tests or treatment (including changes to medication
or dosage);
in the time leading up to your covered trip
- the relevant time is 180 days before the trip for people 74
years of age or younger, or 365 days before the trip for people 75
years of age or older
NOTES: There are additional
Limitations and Exclusions. Please read the Certificate of
Insurance for details. The pre-existing condition exclusion applies
to: - customers 54 or under;
- customers 55 or over travelling 17 days or less; and
- customers enrolling in the Annual Plan.
Age for the purposes of pre-existing condition
determination is based on your age on the Effective Date of this
policy. An important note for those 55 years of age
or older If you are 55 years of age or over and travelling
for 18 days or more, or if you are 85 years of age or more, you
must call (416) 977-2039, or toll-free
1-800-293-4941 for your individual quotation. This
applies if you want to buy new insurance. If you already have
Annual Plan coverage and want to buy extended coverage for a trip
that will last more than 17 days you need to call
1-800-359-6704 from anywhere in Canada or the
U.S., or from elsewhere call collect (416)
977-5040. In either case: - your telephone request for coverage will be subject to medical
underwriting;
- if accepted for coverage, your premium will be based on your
responses to a series of medical questions;
- the standard pre-existing exclusion will not apply to your
Emergency Medical coverage, but if you have Annual Plan coverage,
this exclusion will still apply to your Trip Interruption and Trip
Cancellation coverage;
- you must make full disclosure of all medical conditions,
including any changes to your condition before you leave on your
trip; and
- applicants with certain unstable medical conditions may not
qualify for coverage.
Please refer to section 4 of the Certificate of
Insurance for complete details. Please refer to the Travel Medical
Insurance Plan Certificate of Insurance for a complete list of
benefits and exclusions. (Requires Acrobat Reader.) Complete this easy, one-step quote and you
could receive your travel insurance premium in less than a
minute. 
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