Individual Medical Underwriting
Protection for Canadians who have new or unstable pre-existing medical conditions.
Individual Medical Underwriting is available for Canadians* who are not eligible for our regular travel insurance. If you apply for our regular travel insurance and are ineligible ask your agent about Individual Medical Underwriting where your fully disclosed pre-existing medical conditions can usually be covered for up to $10 million in eligible expenses.
Before asking your agent for Individual Medical Underwriting, you must:
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Know your travel dates.
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Be able to truthfully and accurately answer medical questions about your health including all medications from the last 5 years.
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Provide your contact information so that you can complete the telephone interview with an underwriter.
Overview of Individual Medical Underwriting:
Covers unexpected medical emergencies
Valid for any age up to 111 years
Individual Medical Underwriting
Covers new and unstable pre-existing medical conditions.
Any trip length from 1 to 365 days
Deductible savings available
Plan Insured Services
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Physician services in or out of hospital
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Costs of hospitalization
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Diagnostic testing
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Outpatient prescription medications
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Paramedical services
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Ambulance transportation
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Expenses resulting from death
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Repatriation and air ambulance
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and more!
*To qualify for Individual Medical Underwriting, you must be a resident of Canada with valid Government Health Insurance (GHIP) for the entire duration of your trip. Individual Medical Underwriting is NOT available for Visitors to Canada.