With snowbird season in full swing, comprehensive travel insurance is more important than ever
According to Statistics Canada, fewer Canadians are reporting very good or excellent health, which underscores the need for robust coverage—especially for those with complex medical histories. That’s where Pre-Existing Medical Condition Coverage comes in.
What is Pre-Existing Medical Condition Coverage?
If you or loved one have a history of conditions like high blood pressure or diabetes, they can still travel with confidence. protection is possible as long as they meet their policy’s stability requirements. For travelers aged 60 and older, completing a simple Medical Questionnaire determines their rate, then they’re ready to go. we offer industry-leading stability periods tailored to your clients’ needs.
What is Stability Period?
Understanding stability periods is crucial because unstable pre-existing conditions are a top reason for denied claims. A condition is considered stable when:
- No deterioration or worsening of symptoms.
- No new symptoms or findings.
- No changes in treatment or medication.
- No new treatments prescribed or recommended.
Real-Life Traveler Story: Patricia’s Snowbird Vacation
Patricia, an 88-year-old snowbird, was enjoying Florida when she experienced fatigue, nausea, and an irregular heartbeat. After seeking medical care, doctors discovered she needed a heart procedure linked to a pre-existing condition she had disclosed before travelling. Thanks to travel Insurance coverage and her compliance with stability requirements, Patricia avoided over $267,000 in unexpected medical expenses.
*Details changed to protect privacy.
👉 Ready to get a personalized quote? We can help you choose the right plan.
For more detailed information and to get a quote, visit SSJ Financial or Call 416-825-3091.
I am always happy to provide free, no-obligation insurance quotes, consultations, or second opinion on your current policy. Please feel free to reach out!
Swinder Jodhka
Broker, SSJ Financial Services
416-825-3091
