Health issues?


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.

Pre-existing conditions

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:

  • Injury
  • Medical condition
  • Tumour
  • Alzheimer's disease
  • High blood pressure
  • Diabetes
  • 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.

Medical stability

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.

Medical questionnaire

  • 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!