The simple explanation to a very important notion
First things first! No matter your age or medical history, any medical condition must have been “Stable and Controlled” for a certain time before your departure for that condition to be covered while on a trip. If a condition has not been “Stable and Controlled” for the 3 or 6 months (depending on your age) preceding your departure date, you won’t be covered should something related directly or indirectly to that medical condition happen while on your trip.
Fortunately, a solution exists: the Reduced Stability Period option.
Required stability period for a pre-existing medical condition to be covered:
|Traveller aged between 3 months and 59 years old||3 months before the departure date|
|Traveller aged 60 and older||6 months before the departure date|
(Exception: High blood pressure requires only 2 months of stability if you don’t have any cardiac, vascular, neurological or respiratory condition.)
Does this option meet your needs?
- One of your pre-existing medical conditions won’t be “Stable and Controlled” for the required time before your departure date, but you want that condition to be covered.
“We simply cannot say enough good things about Tour+Med. They were a pleasure to deal with throughout our experience. We tell our friends and family, “Do not hesitate to buy travel insurance through this company. They are the BEST!” A.C. et J.C. / Calgary, AB – June 2021
What else do you need to know
This option is offered to travellers less than 86 years old. The approach differs, depending on the applicant’s age and trip length. Conditions apply, such as having at least 30 days of stability before the departure date. Contact your representative or read the policy wording for details. Medical questions will be asked.
59 years old and less: reduces the required stability period from 3 months to 30 days before departure.
60 to 85 years old: reduces the required stability period from 6 months to 30 days before departure, for a specific condition.
In both cases, our option provides coverage up to $5,000,000 on the concerned condition(s). (We are the only insurer to do this! Some of our competitors will offer similar options, but will only cover up to $200,000 or $250,000. That’s not enough!)
FAQs from travellers just like you
What do you mean by “Stable and Controlled”?
The stability of your medical conditions is probably the most important concept in your travel insurance policy, so understanding it is crucial.
To be “stable and controlled” means that there has not been any change pertaining to a medical condition within the 3 or 6 months before your departure (3 months for insureds of 59 years old and less, 6 months for insureds of 60 years old and over). And by “change”, we mean (among others): no new diagnosis, no new prescription or modification to an existing prescription, no test or evaluation, no recommendation to be seen by a specialist, no new symptoms, no aggravation of the condition, etc.
You must also be aware that even though your doctor said you were “stable”, “brand new”, or “good to go”, it does not necessarily correspond to the definition of “Stable and Controlled” in the policy. In the event of a claim, we will refer to the latter so make sure that you read it carefully, and that you understand it. You may also ask your representative for information.
What is the price of the “Reduced Stability Period” option?
There is no fixed surcharge for the option. Premium is calculated upon a combination of various factors, including your age, the concerned medical condition, and your other medical conditions. The best way to find out what your premium will be is to ask for a quote!
Intrigued by this option?
Contact your broker, ask for a quote or speak with one of our sales representatives.
(Some of the options may not be available on our online quoting tool. Speak with your representative if necessary.)