Travel Insurance with Pre-Existing Conditions: The Complete Canadian Guide
“Am I covered if I have a pre-existing condition?” It’s the most common question in travel insurance — and the answer is almost always yes, as long as your condition is stable.
What “Stable” Actually Means
A condition is considered stable when there have been no changes to your treatment, medication, or symptoms within the stability period before your departure date. No new diagnoses, no dosage adjustments, no hospitalizations, no new tests ordered.
Stability Periods by Age
| Age Group | Trip Length | Stability Period |
|---|---|---|
| 59 and under | 35 days or less | 7 days |
| 59 and under | Over 35 days | 90 days |
| 60–74 | Any length | 180 days |
| 75+ | Any length | 365 days |
What Counts as a “Change”?
- New medication or dosage adjustment
- New diagnosis
- Hospitalization or ER visit
- New symptoms or worsening of existing symptoms
- Doctor recommending new tests or specialist referrals
- Changing from brand-name to generic (if initiated by your doctor)
What Does NOT Count as a Change
- Routine check-ups with no changes to treatment
- Prescription refills at the same dosage
- Stable lab results
Travel Within Canada: No Stability Requirement
If you’re travelling within Canada, TuGo’s Travel Within Canada plan has no stability requirement for pre-existing conditions. This is a significant advantage for travellers with complex medical histories.
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