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 or if you already have Annual Plan coverage and want to buy extended coverage for a trip that will last more than 17 days.
In either case:
- your telephone request for coverage will be subject to review of a health questionnaire;
- 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.