Manulife CoverMe
CoverMe™ Travel for Visitors to Canada Exclusions and Limitations

Pre-Existing Conditions Exclusions

The Pre-Existing Condition Exclusion that applies depends on the plan purchased.

Plan A - we will not pay any expenses relating to:

  1. any medical condition, diagnosed or undiagnosed, which existed or for which you sought or received medical advice, consultation, investigation or for which treatment was required or recommended by a physician, within the 180 days prior to the effective date;
  2. any heart condition if, in the 180 days before the effective date, you required any form of nitroglycerine for the relief of angina pain; and/or
  3. any lung condition, if in the 180 days before the effective date, you required treatment with oxygen or Prednisone for a lung condition.

Plan B - we will not pay any expenses relating to:

  1. pre-existing condition that is not stable in the 180 days before the effective date of insurance;
  2. any heart condition if, in the 180 days before the effective date, you required any form of nitroglycerine for the relief of angina pain; and/or
  3. any lung condition if, in the 180 days before the effective date, you required treatment with oxygen or Prednisone for a lung condition.

"Pre-existing condition" is defined in the policy as a medical condition (including accidental bodily injury, illness or disease, symptom(s), complication of pregnancy within the first 31 weeks of pregnancy.

Stable medical condition means that:

  • 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.