Travel insurance with stable pre-existing condition coverage for visitors to Canada

You are not eligible for 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
• Have been diagnosed with Alzheimer's or any other form of dementia
• Live in a nursing home, home for the aged, other long-term care facility or rehabilitation centre
• Require assistance with activities of daily living including eating, bathing, using the toilet, changing positions (including getting in and out of a bed or chair) and dressing

• Any pre-existing condition that was not stable within 180 days of the effective date
• Any heart condition if you required any form of nitroglycerine for the relief of angina pain within 180 days of the effective date
• Any lung condition if you required treatment with oxygen or Prednisone within 180 days of the effective date
• If you get coverage after you arrive in Canada, there is a 48-hour waiting period except if you are accidentally injured or if you are extending an existing Visitors to Canada policy from Manulife

Pre-existing condition means a medical condition that exists before your effective date of insurance.

Medical condition means sickness, injury, disease, or symptom(s); complication of pregnancy within the first 31 weeks of pregnancy.

Stable medical condition means that all of the following apply:

• There have not been 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 investigative testing, 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 means the medication dosage, frequency, or type has been reduced, increased, or stopped, and/or new medication has been prescribed. The following is not considered a change in medication:

• a change from a brand-name drug to an equivalent generic drug of the same dosage;
• a routine adjustment in the dosage of your medication, as a result of your blood levels only, if you are taking Coumadin (warfarin) or insulin and are required to have your blood levels tested on a regular basis, and your medical condition remains unchanged.

Other conditions, limitations and exclusions apply.

Please see the policy for details.

• Add protection in case you have to interrupt your trip for medical or other reasons – up to $1,500 for you or up to $5,000 for family coverage.*

Reimburses you for the prepaid, non-refundable, non-transferable portion of your trip

Covers your or your travel companion's immediate family member's unexpected medical emergency or death or your host's hospitalization or death, after your arrival in Canada

* Conditions, limitations and exclusions apply. See policy for details.