Rate category determines the duration of the pre-existing condition exclusion


Rate Category
Time period
Manulife Travel Insurance
will not pay any expenses relating to a…
Pre-Existing
condition
Heart
condition
Lung
condition
    A
    B
    C
    3 months
    6 months
    12 months
    Not stable in the time period before the effective date of your insurance
    In the time period before the effective date, if any heart condition has not been stable or required any form of nitroglycerine for the relief of angina pain
    In the time period before the effective date, if any lung condition has not been stable or has required treatment with oxygen or Prednisone for the lung condition


NOTE: Travel Canada Emergency Medical Plan - no pre-existing condition exclusion applies.

Pre-Existing Condition

  • "Pre-Existing condition" is defined in the policy as a medical condition that exists before the effective date of insurance.
Medical Condition
  • "Medical condition" means injury, illness, disease, or symptom; complication of pregnancy within the first thirty-one (31) weeks of pregnancy.
Stable medical condition means that all of the following apply:
  • you have not had any new symptom(s); and
  • existing symptom(s) have not become more frequent or severe; and
  • a physician has not determined that the medical condition has become worse; and
  • no test findings have shown that the medical condition may be getting worse; and
  • a physician has not provided, prescribed, or recommended any new medication, any change in medication; and
  • a physician has not provided, prescribed or recommended any new treatment or any change in treatment; and
  • there has been no admission to a hospital or referral to a specialty clinic or specialist; and
  • a physician has not advised referral to a specialist or further testing, and there has been no testing for which the results have not yet been received.