Student Travel Medical Insurance

A Stability Period Exclusion is a common clause in Emergency Travel Medical Insurance policies. This exclusion refers to a specified period before the start of your trip during which any medical conditions must remain stable for coverage to be provided.

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Key Points to Understand:

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Definition of Stability:

A condition is considered stable if there have been no new symptoms, no changes in medication or treatment, and no new diagnoses or test results indicating the condition has worsened.

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Duration of the Stability Period:

The length of the stability period can vary between insurance providers, typically ranging from 90 to 180 days before the commencement of your trip.

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Implications of the Exclusion:

If your medical condition has not been stable for the required stability period, any claims related to that condition may be denied. This includes situations where the condition worsens or requires medical attention while you are traveling.

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Examples:

• If you have a chronic condition like diabetes or hypertension, it must remain controlled and unchanged for the entire stability period before your travel for it to be covered under your policy.
• If you recently experienced a heart attack or had surgery, you need to ensure that your condition is stable for the specified period to avoid exclusion.

Importance for Travelers:

Understanding and adhering to the stability period exclusion is crucial for ensuring your emergency travel medical insurance is valid. It is advisable to review your medical history and potentially consult with your physician to confirm that your conditions meet the stability requirements of your insurance policy.

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Tips for Compliance:

• Pre-Trip Check-Up: Schedule a medical check-up well before your trip to verify the stability of any existing conditions.
• Policy Review: Carefully read the terms and conditions of your travel medical insurance policy, paying close attention to the stability period and any related exclusions.
• Consult Your Insurance Advisor: If you have any questions or concerns about how the stability period exclusion might apply to your situation, consult with your insurance advisor for personalized guidance.

Understanding the Stability Period Exclusion helps ensure that you are fully covered in the event of a medical emergency during your travels.

It highly recommended. Your provincial health plan will not fully cover you abroad. If you face a medical emergency while studying outside of Canada, you could end up with high medical bills. Schools may require you to have a medical insurance plan before starting your classes. Student travel insurance provides this necessary coverage. If you will be studying outside your home province/territory for longer than 6-months it is recommended that you speak with your provincial/territorial health plan to request extensions - this is because maintaining your provincial/territorial health care plan is a requirement for travel insurance.