04/22/2026
Please get Travel Insurance for any trip. Reseach, compare and discolse any preexisting contidtions for the correct and proper coverage.
1. Definition: This insurance covers emergency medical costs for health conditions that existed before your trip began.
2. Coverage: It covers declared stable conditions but excludes unstable conditions, undeclared issues, and routine care.
3. Bank cards and health insurances: Provincial plans (e.g., OHIP, RAMQ) and credit cards offer little to no coverage for pre-existing conditions abroad.
4. Tips: Always confirm your condition's stability period in writing and disclose your full medical history to the insurer.
5. Other useful info: Your condition must be considered 'stable' for a set period (e.g., 90-180 days) before your departure.
Top 5 Reasons to Buy Travel Insurance