Pre-Existing Conditions Travel Insurance
Are you wondering if you can get reliable travel insurance that truly covers your pre-existing medical condition? We're here to help guide you through the process and assure you that for many Canadians, the answer is a resounding yes. Getting the right coverage is possible, and this guide will show you how.
How to Get Coverage for Your Medical Conditions
Securing travel insurance for seniors with pre-existing conditions is all about clarity and honesty. Unlike standard plans that may have broad exclusions, specialized policies are designed to understand your health history and provide coverage you can depend on.
​
What Is Considered a Pre-existing Condition?
In simple terms, it's any medical condition for which you have received treatment, taken medication, or had symptoms before you apply for insurance. This can include common and well-managed conditions like high blood pressure, diabetes, arthritis, or a past heart condition.
​
The Importance of the Medical Questionnaire
This is the most critical part of the process. To get coverage, you will complete a detailed but straightforward medical questionnaire. This is not a test, but a tool that allows us to find a policy that accurately reflects your health status. Answering every question honestly and completely is the key to ensuring your policy is valid and that your claim will be paid in an emergency. Our expert brokers are here to walk you through every question.
​
Understanding "Stability"
For a pre-existing condition to be covered, it must be considered "stable" for a specific period before your trip. This generally means no recent changes in medication, no new treatments, and no new symptoms. Some plans require a stability period of 90 or 180 days, while others offer more flexible 7-day stability options. Finding the right plan depends on your unique health journey.
​
According to Health Canada, more than two-thirds of Canadian seniors manage at least one chronic condition. This highlights a simple fact: traveling with a pre-existing condition is normal, and finding the right travel insurance for elderly with pre-existing conditions Canada is a vital part of planning a safe and enjoyable trip.
​
​​
​
​
Get a Confidential Consultation
You deserve to travel with confidence, knowing you are fully protected. Contact our team today for a free, confidential consultation. We will answer all your questions and help you find the best coverage for your specific health needs.