Manulife CoverMe
CoverMe™ Travel Insurance for Canadians
Conditions and Exclusions

Pre-Existing Conditions Exclusions

Rate category determines the duration of the pre-existing condition exclusion.

Rate Category Time period Manulife Travel Insurance will not pay any expenses relating to a...
Pre-Existing condition Heart condition Lung condition
Rate Category A 3 months Not stable in the time period before the effective date of your insurance In the time period before your effective date, any heart condition has not been stable or you required any form of nitroglycerine for the relief of angina pain In the time period before your effective date, any lung condition has not been stable or you required treatment with oxygen or Prednisone for your lung condition
Rate Category B 6 months
Rate Category C 12 months

Note: Travel Canada Emergency Medical Plan - no pre-existing condition exclusion applies.

Pre-Existing Condition

  • "Pre-Existing condition" is defined in the policy booklet as a medical condition that exists before your effective date of insurance.

Medical Condition

  • "Medical condition" is defined in the policy booklet as an injury, illness or disease; complication of pregnancy within the first thirty-one (31) weeks of pregnancy.

Stable medical condition means that all of the following apply:

  • you have not had any new symptom(s); and
  • existing symptom(s) have not become more frequent or severe; and
  • a physician has not determined that the medical condition has become worse; and
  • no test findings have shown that the medical condition may be getting worse; and
  • a physician has not provided, prescribed, or recommended any new medication, or any change in medication; and
  • a physician has not provided, prescribed or recommended any new treatment or any change in treatment; and
  • there has been no admission to a hospital or referral to a specialty clinic or specialist; and
  • a physician has not advised referral to a specialist or further testing, and there has been no testing for which the results have not yet been received.

Change in Medication

  • "Change in medication" means the medication dosage, type or frequency has been reduced, increased, stopped and/or new medication(s) has/have been prescribed. Exceptions: the routine adjustment of Coumadin, Warfarin or insulin (as long as they are not newly prescribed or stopped) and there has been no change in your medical condition; and, a change from a brand name medication to a generic brand medication of the same dosage.

Other conditions, limitations and exclusions apply.
Please see the policy for details.