If you are 60 and over, and think that one of your conditions might not meet the stability clause, ask about our Reduced Stability Period option; we may be able to cover that condition.
As the departure date approaches, you have more and more things to think about! And you also have important information to remember both while on your trip and after your return. We provide you with these Quick Tips to help you leave with peace of mind and enjoy your trip.
Before you leave
- Review the eligibility and your medical declaration, if applicable? (This can be done online, using our Client Portal. Create an account today if you haven’t already.)
- Sign and return your application?
- Mention to your broker any changes to be made to your policy, such as a modification of your travelling dates or to your medical declaration, for example?
- Place the confirmation letter in your suitcase? It includes your wallet cards and the numbers to reach Emergency Assistance. Don’t forget to bring your Government Health Insurance card as well; the number could be required in the event of an emergency.
- Consult the Government of Canada’s website Travel Advice and Advisories?
Don’t forget that your protection has exclusions for conditions that were not Stable and Controlled.
“Stable and Controlled”
To be covered, any medical condition (whether declared or undeclared) must have been Stable and Controlled for a period of 6 months before the departure date (3 months for persons of less than 60 years old).
“Stable and Controlled” Means any medical condition (other than a Minor Ailment) for which all the following statements are true:
- There has been no new diagnosis, Treatment or prescribed Medication (including prescribed “as needed”);
- There has been no change in Treatment frequency or type; there has been no change in Your Medication, including the addition or the stopping of a Medication or an increase or decrease in the dosage or frequency of a Medication (Exceptions the routine adjustment of Coumadin, Warfarin or insulin to maintain the optimal level of the said Medication in your blood and the change from a brand name Medication to a generic brand Medication of the same dosage);
- There has been no change in the frequency or the severity of the Symptom (new Symptom, more frequent Symptom or more severe Symptom);
- There has been no test result showing deterioration;
- There has been no Hospitalization or referral to a specialist (made or recommended) and You are not awaiting the results of further investigations for that medical condition.
For more information, watch our short video on stability.The meaning of words written in italics is explained in the “Definitions” section of the policy wording.
During your trip and after your return
- Call Emergency Assistance before any treatment. The numbers are on your wallet cards.
- Contact your broker at least five (5) days before the expiration date of your policy if you wish to extend it.
- You came back earlier than planned? Keep proofs and speak with your broker as soon as possible to see if you are eligible for a refund.
- In the event of a claim, submit all original invoices within 90 days of your return to your home province.
- Contact your broker if you have any questions or to purchase a new policy!
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