Multi-Trip Emergency Medical Travel Insurance Plan

You are not eligible for this coverage if you:

• Are travelling against the advice of a physician
• Have been diagnosed with a terminal illness or metastatic cancer
• Have a kidney condition requiring dialysis
• Have been prescribed or used home oxygen in the last 12 months
• Have had a bone marrow, stem cell or organ transplant (excluding cornea)

• Any pre-existing medical conditions if not stable for three months (rate category A) or six months (rate category B and C) before the effective date of your insurance
• Your heart condition if any heart condition was not stable or required any form of nitroglycerine for the relief of angina pain during the stability period for your rate category
• Your lung condition if any lung condition was not stable or required treatment with oxygen or Prednisone during the stability period for your rate category

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

Medical condition means any disease, sickness or injury (including symptoms of undiagnosed conditions).

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) 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.