We will not pay any expenses relating to a pre-existing condition that was not stable in the 3 months before you leave home.

In addition to that requirement, we will not cover any expenses relating to:

• your heart condition if, within the required period of being stable, it has not been stable or you have taken any form of Nitroglycerine for the relief of angina pain; and/or
• your lung condition if, within the required period of being stable, it has not been stable or you required treatment with Oxygen or Prednisone for your lung condition.

Additional exclusions and restrictions may apply; please consult the policy booklet for full details.

You must be a resident of Canada and covered under a government health insurance plan.

You must also meet all of the following Eligibility Requirements:

• You are not travelling against the advice of a physician;
• You do not require kidney dialysis;
• You have never had a bone marrow and/or organ transplant (excluding corneal transplant);
• You have not had a heart bypass and/or heart valve surgery before 1999;
• In the last 5 years, you have not been diagnosed with and/or had treatment for metastatic cancer;
• In the last 6 months, you have not received chemotherapy and/or radiotherapy and/or other treatment, other than routine follow-up, for cancer (except basal cell and squamous cell skin cancer, and breast cancer treated only with hormonal therapy);
• In the last 12 months, you have not been prescribed or taken Prednisone or oxygen, or been hospitalized (as an in-patient or seen in the emergency department) for a lung condition;
• In the last 2 years, you have not:
  • Been prescribed or taken Lasix or Furosemide for any reason and/or
  • Had congestive heart failure;
• In the last 12 months, you have not been hospitalized (as an in-patient or seen in the emergency department) for a heart condition;
• In the last 4 months, you have not been prescribed or taken 6 or more prescription medications. Do not count the following medications: hormone replacement therapy (thyroid or menopausal); drugs used for osteoporosis, or traveller’s diarrhea; or any form of immunization. Do not count topical medications that go in your ears or eyes or on your scalp or skin except: any form of nitroglycerine or any drug(s) for angina;
• In the last 3 years, you have not been diagnosed with and/or had treatment for and/or been hospitalized (as an in-patient or seen in the emergency department) and/or been prescribed or taken medication for any 2 of the following (if you only have 1 of the following conditions, answer NO to this statement):
  • Heart condition
  • Lung condition (medication includes any puffer(s)/inhaler(s))
  • Diabetes (treated with medication and/or insulin)
  • Stroke/CVA (cerebrovascular accident) or mini-stroke/TIA (transient ischemic attack)(including use of aspirin/Entrophen for this condition)
  • Peripheral vascular disease (blocked or narrowed arteries).

IF YOU ANSWERED YES TO ANY OF THE ABOVE STATEMENTS, YOU ARE NOT ELIGIBLE TO PURCHASE THIS INSURANCE.