Can I cover a pre-existing condition with a Visitors to Canada insurance policy?
Some insurance companies cover people if their medical conditions is under control and stable for certain period (3 to 6 months) before travel. Be aware that a simple change in medication can mean that the medical condition is not considered “stable”. Policy definitions are critical and the rules vary depending on the age of the policy-holder. It is up to each policy holder to make sure they qualify. Some insurance companies are able to underwrite and give individual quotes for people with pre-existing medical conditions. Even policies that include pre-existing conditions do not reimburse expenses to maintain the condition, but complications that require medical attention, hospitalization or death from that pre-existing condition are covered. Be honest and disclose all details for your pre-existing medical condition. If you have a $50,000 claim after suffering a heart attach in Canada, the insurance company will likely check into your medical history. Please, call our customer service
