Am I eligible to purchase this insurance?

To be eligible to purchase the Classic or Deluxe Plan, the following restrictions apply: 

• You must not have a Medical Condition for which a Physician has advised You against travel prior to Your Period of Coverage.
• You must be over 14 days old and under 85 years on the start date.
• You must not be eligible for benefits under any Canadian federal, provincial or territorial government health insurance plan.
• Prior to Your Period of Coverage:
  • You have not been diagnosed with a Terminal Sickness;
  • You have never been diagnosed with or received Treatment for:
    • congestive heart failure;
    • Alzheimer’s or any type of dementia;
    • pancreatic or liver cancer, or any type of metastasized cancer; or
    • a condition requiring a bone marrow or organ transplant.
  • You do not reside in a nursing home, assisted living home, convalescent home, hospice or rehabilitation centre;
  • You do not require any assistance with Normal Daily Activities. Normal Daily Activities means eating, bathing, use of a toilet, getting in and out of a bed or chair, and dressing (does not apply to children under 12 years of age)
• In the 12 months immediately prior to Your Period of Coverage, You have not been diagnosed with or received Treatment for:
  • a lung condition requiring the use of home oxygen;
  • a kidney condition requiring dialysis.
• At time of purchase of this Policy, You have no knowledge of the need to require any medical Treatment during Your Period of Coverage.