Terms to Know - Travel Insurance

Examples of original itemized bills and receipts:

• Physicians bill(s) and receipt(s) of your payment
• Hospital bill(s) and receipt(s) of your payment
• Prescription bill(s) and receipt(s) of your payment

This could include a copy of the emergency room report, discharge summary report or a written letter from your treating physician.

Accidental bodily injury or sickness (or a condition related to that accidental bodily injury or sickness), including disease, acute psychoses and complications of pregnancy occurring within the first 31 weeks of pregnancy.

This could include a copy of the emergency room report, discharge summary report or a written letter from your treating physician.

Proof of payment could include a copy of:

• Your credit card statement
• A cancelled cheque
• A debit card slip
• The official receipt issued by your travel agent for a cash payment

For insurance purposes, “stable” is defined as any medical condition when all of the following statements are true:

• there has not been any new treatment prescribed or recommended, or change(s) to existing treatment (including a stoppage in treatment), and
• there has not been any change to any existing prescribed drug (including an increase, decrease, or stoppage to prescribed dosage), or any recommendation or starting of a new prescription drug, and
• the medical condition has not become worse, and
• there has not been any new, more frequent or more severe symptoms, and
• there has been no hospitalization or referral to a specialist, and
• there have not been any tests, investigation or treatment recommended, but not yet complete, nor any outstanding test results, and
• there is no planned or pending treatment.

All of the above conditions must be met for a medical condition to be considered stable.

We use your completed medical questionnaire to determine which of the categories below you are eligible to purchase.

Depending on the category you are placed in, you will be eligible for unlimited emergency medical benefits if your medical/related condition has been “stable” for a certain number of days prior to your trip departure date (shown below):

• Gold Category: 90 days
• Silver Category: 180 days
• Bronze Category: 365 days