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


Rate Category
Time period
ScotiaLife Travel Insurance
will not pay any expenses relating to a…
Pre-Existing
condition
Heart
condition
Lung
condition
A+ and 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 it 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 it has not been stable or has required treatment with oxygen or Prednisone for the lung condition
D
6 months
    Not stable in the
    time period before
    the effective date of
    your insurance
    In the time
    period before
    the effective
    date, if it 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 it has
    not been
    stable or has
    required
    treatment
    with oxygen
    or Prednisone
    for the lung
    condition


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” is defined in the policy as an injury, illness or disease, or symptom; complication of pregnancy within the first thirty-one (31) weeks of pregnancy; a mental or emotional disorder that requires admission to a hospital or acute psychosis.
Stable means that all of the following apply:
• you have not developed any new symptoms; and
• existing symptom(s) have not become more frequent or severe; and
• your physician has not found that your medical condition has become worse; and
• no test findings have shown that your medical condition may be getting worse; and
• you have not received, been prescribed, taken or had a physician recommend any new medication, or any change in medication; and
• you have not received, been prescribed, or had a physician recommend any new treatment or any change in treatment; and
• you have not been hospitalized or referred to a specialist or specialty clinic; and
• your physician has not advised you to see a specialist or to have further tests, and you have not undergone testing for which you have not yet received the results.