Have you had health issues, like an illness or injury? Has someone talked to you about pre-existing conditions and medical stability and you’re wondering whether you’re covered by your travel insurance?
Here’s what you need to know.
If you have a health issue before your travel insurance takes effect,1 it may be considered a pre-existing condition.
Your insurance may not cover some conditions that are considered unstable, such as:
- Medical condition
- Alzheimer's disease
- High blood pressure
- Chronic bronchitis
However, if a health problem occurs during your trip and it’s not related to an unstable pre-existing condition, it may be covered. For example:
- If you have high blood pressure and you develop bronchitis during your trip, you’ll be covered for bronchitis since it isn’t related to your high blood pressure.
- If you had an operation on your elbow before departure and you hurt your foot during your trip, treatment for your foot injury will be covered.
You’ll be covered for a pre-existing condition while travelling if it has been stable for a specified period of time:2
- If you’re 54 or under, the it must be stable for 3 months.
- If you’re 55 or older, this period is 6 months. However, with our Stable for 3 Months option, it must be stable for just 3 months.
- A health concern that seems harmless, such as a lung infection, might be considered a pre-existing condition.
- An "all clear for travel" from your doctor doesn’t necessarily mean you’ll be covered.
Talk to your travel insurance advisor to rule out any doubts.
- You must give honest, complete answers on your medical questionnaire. If you don’t know the answer to a question, ask your doctor. Any misrepresentation, even if it’s unintentional, may void your insurance.
- Pre-existing conditions may not be covered, whether you mention them or not. You’ll still be covered for any unrelated issues.
- Contact an insurance advisor if you need advice. They’re there to help!
- The Emergency Health Care coverage starts on the trip departure date. The Trip Cancellation/Interruption coverage starts on the day it is taken out.
- The required stability period may vary by insurer.