Travel Coverage for Pre-existing Conditions
Q: Are pre-existing conditions covered under travel insurance?
A: Coverage for pre-existing conditions during travel is not guaranteed. Members should call Canada Life at 1-855-729-1839 to confirm whether their condition is covered and if any documentation or pre-approval is required before travel.
Emma had always been an avid traveler, and this time she was heading to Greece to explore ancient ruins and stunning landscapes. As someone with a pre-existing medical condition—chronic asthma—she knew it was important to take precautions while planning her trip. Although her asthma was well-managed, she wanted to be sure that any potential emergency related to it would be covered.
Before booking her flights, Emma reviewed her Active Plan travel insurance. Aware that pre-existing conditions aren’t always covered, she called Canada Life at 1-855-729-1839 to find out whether her asthma would be included under emergency medical travel coverage.
The representative confirmed that coverage for pre-existing conditions depends on the nature of the condition and whether it's considered stable, and that Emma would need to provide specific medical details to assess eligibility.
Following their guidance, Emma submitted the required information and later received confirmation that her condition was considered stable and covered. With that reassurance, she confidently moved forward with her travel plans—knowing she had protection in place in case of an asthma-related emergency abroad.