Eligibility and Medical Stability Clause

Current Underwriter (2019) – Royal & Sun Alliance Insurance Company of Canada

To be eligible for insurance under the MEDOC Program you must be:

a) A member or spouse of a member or eligible dependent child;
b) A Canadian resident;
c) Insured under your provincial or territorial Health Insurance Plan.

Pre-existing Medical Condition Limitation/Medical Stability Clause – Applies to all insureds under all Travel MEDOC Plans

This insurance will not pay for any expenses incurred directly or indirectly as a result of:

  1. A medical condition or related condition (other than a minor ailment), if in the ninety (90) days before the day of departure or day of booking, the insured’s medical condition or related condition was not stable.
  2. A heart condition, if in the ninety (90) days before the day of departure or day of booking:
    1. any heart condition has not been stable; or
    2. the insured has taken nitroglycerin more than once per week specifically for the relief of angina pain, for any heart condition.
  3. A lung condition, if in the ninety (90) days before the day of departure or day of booking for trip cancellation for benefits:
    1. any lung condition has not been stable; or
    2. the insured has been treated with home oxygen or taken oral steroids (prednisone or prednisoleone) for any lung condition.

For Trip Cancellation, Interruption, and Delay Insurance benefits, the pre-existing medical condition limitation also applies to your family member, close business associate, caregiver, travelling companion, or your travelling companions family member.