CIBC INSURANCE TRAVEL MEDICAL COVERAGE

Pre-Existing Conditions Exclusion⁵

Your Pre-existing Conditions Exclusion will be indicated on your confirmation of coverage. If you complete a medical questionnaire, your answers to the questions will determine the Pre-existing Conditions Exclusion that applies to you.

If you’re age 59 or under

The insurance will not pay for losses or expenses incurred for, or as the result of:

• your medical condition that was not stable 90 days before your effective date; or
• any heart condition if you have used nitroglycerine in any form for a heart condition 90 days before your effective date; or
• any lung/respiratory condition if you have an active prescription for or used home oxygen or prednisone for a lung/respiratory condition 90 days before your effective date; or
• an unrepaired aneurysm (4 cm or greater, measured in either length or diameter), that was diagnosed before the effective date; or
• any cancer (other than basal or squamous cell skin cancer or breast cancer treated only with hormone therapy) for which you received treatment 90 days before your effective date.

If you’re age 60 or over

The insurance will not pay for losses or expenses incurred for, or as the result of:

• your medical condition that was not stable during the number of days indicated on your confirmation of coverage (either 90 or 180 days) before the effective date; or
• any treatment you received before the effective date.
• Travelling against the advice of a physician or a condition that was diagnosed as terminal prior to your effective date of coverage.
• Any medical consultation that is non-emergency or elective.
• Any sickness or injury that occurs in an area for which Global Affairs Canada issued a written warning prior to the effective date to avoid all travel, or to avoid non-essential travel, and the sickness or injury is caused by the reason(s) for the warning being issued.

The above is a summary only. There are other limitations and exclusions. For details regarding all limitations and exclusions, refer to the sample Policy (CIBC Comprehensive Travel Insurance Package) (PDF, 465 KB) Opens in a new window. . In particular, refer to the sections entitled "Specific Conditions/Limits On Coverage” and the sections entitled "Specific Exclusions."