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Snowbird Insurance

Canadian snowbirds may spend up to six months at a time outside of Canada. They do not want to worry about possible medical costs while they are away. Provincial health plans offer only limited coverage outside the province. Travel medical insurance will fill this gap.

Most travel insurance policies provide limits up to $5,000,000.00. Pre-existing conditions can be covered for emergency treatment if they are stable for a specified number of days before you travel. Stable could be defined in general terms as follows: there has been no change in medication or a change in the dosage of a medication or a new medication prescribed or new treatment or hospitalization during the stability period.

Stability periods can range from 90 days (high blood pressure) to 365 days (heart condition). Age is a major factor and the type of condition is another one. Generally, the older you are and the more serious the condition, the longer the stability period. Someone over age 75 with a heart condition will likely require a stability period of 365 days.

Should there be a change in medication shortly before you travel the condition being treated will no longer be considered stable. This condition will not be covered under your policy. “Quest Travel Insurance” offers a solution to this problem. This policy will provide $5,000,000.00 in coverage for conditions deemed stable and $150,000.00 limit for conditions not considered stable.