As the departure date approaches, you have more and more things to think about! And you also have important information to remember both while on your trip and after your return. We provide you with these Quick Tips to help you leave with peace of mind and enjoy your trip.
Before you leave
- Review the eligibility and your medical declaration, if applicable? (This can be done online, using our Client Portal. Create an account today if you haven’t already.)
- Mention to your broker any changes to be made to your policy, such as a modification of your travelling dates or to your medical declaration, for example?
- Place your Travel Insurance Confirmation in your suitcase? It includes your wallet cards and the numbers to reach Emergency Assistance. Don’t forget to bring your Government Health Insurance card as well; the number could be required in the event of an emergency.
- Consult the Government of Canada’s website Travel Advice and Advisories?
Don’t forget that your protection has exclusions for conditions that were not Stable and Controlled.
If you think that one of your conditions might not meet the stability clause, ask about our Reduced Stability Period option; we may be able to cover that condition.
“Stable and Controlled”
To be covered, any medical condition (whether declared or undeclared) must have been Stable and Controlled for a period of 3 or 6 months before the departure date (3 months for persons of 3 months to 69 years old / 6 months for persons of 70 years old and more).
“Stable and Controlled” – Means any Medical Condition (other than a Minor Ailment) for which all the following statements are true:
- There has not been a new diagnosis, any new Treatment prescribed or recommended, or Change(s) to existing Treatment (including a stoppage in Treatment), and
- There has not been any Change to any existing prescribed Medication (including an increase, decrease, or stoppage to prescribed dosage), or any recommendation or starting of a new prescription Medication (Exceptions the routine adjustment of Coumadin, Warfarin or insulin and the change from a brand name Medication to a generic brand Medication of the same dosage); and
- There has not been any new, more frequent or more severe Symptoms, and
- There has not been any Hospitalization or referral to a specialist, and
- There has not been any medical exam, investigative testing or test results showing deterioration; and
- There has not been any Treatment recommended, planned or not yet completed, nor any outstanding test results.
All of the above conditions must be met for a Medical Condition to be considered Stable and Controlled.
The meaning of words written in italics is explained in the “Definitions” section of the policy wording.
We also suggest you take a few minutes to read the 5 Golden Rules of the Insured Client, as well as our document on How to prevent a claim denial.
During your trip and after your return
- Call Emergency Assistance before any treatment. The numbers are on your wallet cards.
- Contact your broker at least five (5) days before the expiration date of your policy if you wish to extend it.
- You came back earlier than planned? Keep proofs and speak with your broker as soon as possible to see if you are eligible for a refund.
- In the event of a claim, submit all original invoices within 90 days of your return to your home province.
- Contact your broker if you have any questions or to purchase a new policy!