Insurance

Eligibility Statements

You are not eligible for this insurance if any of the following apply to you or anyone you want to cover:

• Travelling against the advice of a physician
• Have been diagnosed with a terminal illness with less than 6 months to live
• Require kidney dialysis
• Used home oxygen in the 12 months before you applied for this insurance

Exclusion Statements

Trip Cancellation & Trip Interruption Exclusion

We do not cover

• Any expenses for a medical condition that is not stable for 3 months before the date you buy this insurance, indicated as the purchase date on your confirmation.
• Any heart condition that was not stable or that required any form of nitroglycerine to relieve angina pain in the 3 months before the date you buy this insurance.
• Any lung condition that was not stable or that required treatment with oxygen or prednisone in the 3 months before the date you buy this insurance.

Emergency Medical Exclusion

• Any pre-existing condition that was not stable in the 12 months before your effective date
• A heart condition that was not stable or that required any form of nitroglycerine to relieve angina pain in the 12 months before your effective date
• A lung condition that was not stable or that required treatment with oxygen or prednisone in the 12 months before your effective date

The exclusion statement was read and accepted

Travellers who fall under any medical exclusion cannot purchase standard coverage through us, however Manulife may be able to provide a customized plan directly. Please call 1-877-882-2953