Unstable Medical Conditions

For travellers with recently unstable medical conditions, BestQuote has several policies available with 90-day, 7-day or zero day stability periods. While some of these policies only offer a limited coverage stability rider, some offer full coverage. Please note that none of these policies will provide medical coverage to travellers on a waiting list for surgery, medical tests or specialist consultations. You must first complete your surgery, test or medical consultation before purchasing a policy.

Travel Guard Platinum

This is one of the best policies available on the Canadian market for travellers with recent changes to their medical condition or medications. Unlike most of the other policies targeting travellers with unstable medical conditions, the Travel Guard Platinum all-inclusive policy offers full coverage with no stability period. This means that even if you had an unfortunate hospital visit 48 hours before your trip, you would be still be fully covered if you were given medical clearance to travel.

This policy is ideal for clients with problems such as atrial fibrillation or seizures that can reoccur at any time without warning.

The only conditions are: a) you must purchase the policy within 15 days of making your first non-refundable trip-related deposit, b) you must cover all of your non-refundable trip-related costs, and c) you must cover the entire length of your trip outside your home province.

TuGo Ultimate Trip Guard

This policy has a 7-day stability rider with full coverage for unstable pre-existing medical conditions. All medical conditions must have been stable for at least 7 days prior to departure. The policy’s coverage level for stable medical conditions is $10 million. In cases where travellers need to travel and require a short stability rider, this TuGo policy will normally meet their needs. The medical questionnaire for this policy is short and easy to answer.

Destination Canada

This policy carries a 30 or 90-day stability rider with up to $150,000 in coverage for unstable pre-existing medical conditions. All medical conditions must have been stable for at least 30 or 90 days prior to departure. The policy’s coverage level for stable medical conditions is $5 million. This policy normally has a lower cost than TuGo and is a good choice for travellers who would normally be given a 180-day or 365-day stability period by most competitive policies.

LS-Travel Insurance

The AC True Senior Guard policies offer à la carte stability periods that can be tailored to your needs, from 365 days down to 7 days. Best of all, these policies offer full $5M coverage, not just a “rider” with limited coverage offered by many other policies. True Escape is perfect for shorter trips, with no medical questionnaire required. True Senior Guard has a simple questionnaire, with a maximum of four questions. Prices are competitive with other policies with a similar stability period or stability rider. The True Escape policy is available through a BestQuote online quote, whereas you must speak to an agent by phone for the True Senior Guard policy.

Industrial Alliance Hospital Medical Care

This policy carries a 90-day stability rider with full coverage for unstable pre-existing medical conditions. All medical conditions must have been stable for at least 90 days prior to departure. The coverage level is set at $2 million. This policy is normally cheaper than the options listed above, and is a good choice for travellers who would normally be given a 180-day or 365-day stability period, but require a 90-day stability period.

Direct Medical Underwriting

BestQuote has access to various options for direct medical underwriting. In these cases, you will be asked to disclose your entire medical history, as would be the case if you were applying for a life insurance policy. The underwriter (or underwriting system) will then tell us if you qualify for coverage. If you do qualify, there will be no stability period, and you would be covered for up to $5 million in medical expenses. However, not all individuals qualify.