Anyone who has run into medical issues abroad understands that scrimping on travel insurance can have devastating financial consequences. For those with pre-existing medical conditions though, the process of getting the appropriate insurance can be difficult. Some of the terminology around eligibility and any exclusions can be challenging to decipher.
Most all travel insurance policies require travelers to be ‘medically stable’ for a certain period-of-time prior to their trip departure date. Depending on your age and health status, stability periods can be three, six or even, as-long-as, 12 months.
This can mean someone who has had a recent change in medication, even to a lower dose because their health has improved, would now be considered medically unstable as defined by their policy. As a result, medical attention related to a pre-existing medical condition may not be covered, or coverage may be denied in its entirety.
Canadian insurance provider ClearCompare.ca has made concerted efforts to help address these concerns and provide traveling Canadians confidence in their travel insurance.
By introducing health assessment technology that personalizes each policy to meet each applicants’ unique health status, coverage can be provided for over 1,300 medical conditions including transplants, epilepsy, stroke, heart conditions, diabetes, and cancer. All without medical stability period limitations and/or exclusions.
However, coverage is not a sure thing. Some severe medical conditions and treatments may not qualify for coverage.
Another advancement of Clear Compare’s system is that it simplifies the application process and provides transparent documentation listing any pre-existing medical conditions disclosed. Coverage can even be secured with recent changes health status or medication(s). Instant quotes available online or by phone backed by leading, brand name insurance companies, including Manulife and AIG.
With over twenty-five years of experience in financial services, Lawrence Ferron had held senior executive positions at leading Canadian financial institutions. Prior to founding Clear Compare insurance, he was Vice President and Head of Product & Marketing for Manulife’s direct-to-consumer Insurance division.
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