Travel Insurance

Travel insurance policies contain exclusions and limitations that vary by insurer and plan. Certain situations, activities, or medical circumstances may not be covered depending on the terms of the policy. Reviewing your policy wording carefully and discussing your plans with an advisor can help you understand how coverage may apply to your trip.

Government travel advisories and other events may influence how certain parts of a travel insurance policy apply. Coverage decisions are based on the specific policy wording and the timing of events relative to when coverage is purchased. It’s important to review your policy and seek clarification before travelling if you have concerns about how advisories could affect your coverage.

Travel insurance may not respond the same way for every destination. Many policies include terms that reference Government of Canada travel advisories, and coverage may be affected depending on the policy wording and timing. Because rules can vary by insurer and policy, it’s important to review your policy wording and confirm how advisories may affect your coverage before you travel.

A stability period refers to a timeframe before a trip during which an existing medical condition must not have changed in a way defined by the policy. Insurers use this concept to determine how coverage applies to pre-existing conditions. The specific definition and requirements differ between policies.

Understanding how a policy defines stability helps ensure you are aware of how your medical history may affect coverage while travelling. Reviewing your policy wording and discussing your situation with an advisor can help you make informed decisions before your trip.