Health coverage for international students in Canada

You are not eligible for this coverage if you:

• Are travelling against the advice of a physician
• Have been diagnosed with a terminal illness with less than 2 years to live
• Have a kidney condition requiring dialysis
• Have used home oxygen within 12 months of your application date

• Pre-existing medical conditions that have not remained stable in the 3 months before the effective date
• Medical conditions related to genetic, acquired or congenital birth defect for children under age 2
• If you get coverage after you arrive at school, there is a 48-hour waiting period except if you are accidentally injured or if you are extending an existing Travel Insurance for Students policy from Manulife

Pre-existing medical condition means any medical condition that existed before your effective date.

A medical condition is considered stable when all of the following statements are true:

1. There has not been any new treatment prescribed or recommended, or change(s) to existing treatment (including a stoppage in treatment), and
2. There has not been any change in medication, or any recommendation or starting of a new prescription drug, and
3. The medical condition has not become worse, and
4. There has not been any new, more frequent or more severe symptoms, and
5. There has been no hospitalization or referral to a specialist, and
6. There have not been any tests, investigation or treatment recommended, but not yet complete, nor any outstanding test results, and
7. There is no planned or pending treatment.

All of the above conditions must be met for a medical condition to be considered stable.

Change in medication means the medication dosage, frequency or type has been reduced, increased or 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) if 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.