Emergency Travel Medical Insurance

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.

While the importance of travel insurance is well-recognized for international trips, it's also important for domestic travel within Canada. Even if you're just exploring another province, like a trip to the Canadian Rockies, your provincial health insurance might not fully cover medical expenses like ground or air ambulance services, X-rays, emergency dental treatments, and prescription medications outside your home province.

Some travel insurance policies allow coverage to be extended, subject to the insurer’s rules and approval process. Availability and terms can vary depending on the policy and your circumstances. If you think you may need more time away, it’s best to explore your options before your current coverage ends.

Emergency travel medical insurance policies include exclusions and limitations that describe situations where coverage may not apply. These vary by insurer and plan design. Carefully reviewing your policy wording helps you understand how your coverage works before you travel.

Coverage for pre-existing conditions depends on the policy and how it defines eligibility and medical history requirements. Some plans may provide coverage under certain conditions, while others may limit or exclude it. It is important to review your policy wording and discuss your situation with an advisor before travelling.

A pre-existing condition generally refers to a medical issue that existed before your travel insurance coverage began. Each insurer defines this term in its own way within the policy wording. Reviewing the definition in your policy helps you understand how your medical history may affect coverage.