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AwayCare Pre-Existing Conditions at a Glance
- Underwriter
- LS-Travel Insurance Company
- Administrator
- AwayCare Inc. / Penfield Care
- Approach
- Stability buy-down (shorter window costs more)
- Default windows
- 180 days (0–74) / 365 days (75+)
- Shortest buy-down
- 90 days (Standard/Enhanced) · 30 days (Gold/Platinum)
How AwayCare Handles Pre-Existing Conditions: Stability Buy-Down
AwayCare's Visitors to Canada plans (the TrueNorth policy, underwritten by LS-Travel Insurance Company) are built around a stability window that can be "bought down" to a shorter period for an additional cost. Pre-existing coverage applies only if a pre-existing option is purchased and the condition meets the applicable stability window, which differs by tier and age.
This buy-down structure is AwayCare's main differentiator: a shorter window can make it easier for a recently-changed condition to qualify, but it costs more. Gold and Platinum allow more aggressive buy-downs (down to 30 days) than Standard and Enhanced (down to 90 days).
AwayCare Stability Windows and Buy-Down Options
| Tier and age | Default stability window | Buy-down options |
|---|---|---|
| Standard / Enhanced, age 0 to 74 | 180 days | Down to 90 days |
| Standard / Enhanced, age 75+ | 365 days | Down to 180 or 90 days |
| Gold / Platinum, age 0 to 74 | 180 days | Down to 90 or 30 days |
| Gold / Platinum, age 75+ | 365 days | Down to 180, 90, or 30 days |
Reflects the AwayCare (TrueNorth) reviewed wording (version V2025.05). A pre-existing option must be purchased for any pre-existing coverage to apply. Confirm current terms with your advisor.
What "Stable" Means
Most pre-existing coverage depends on a condition being "stable" for a set window before the trip — generally no new diagnosis, no medication or dosage change, no new or worsening symptoms, no pending tests, and no hospitalization. Our Pre-Existing Conditions Guide explains the full stability test; this page covers how AwayCare specifically applies it.
What to Confirm With AwayCare
- Whether a pre-existing option is purchased — without it, pre-existing conditions are not covered.
- Which tier is selected (Standard/Enhanced vs Gold/Platinum) — buy-down options differ.
- The stability window after any buy-down for your parent's age and tier.
- Whether the shorter (paid) window is worth it for your parent's recent medical history.
FAQs
Only if a pre-existing option is purchased and the condition meets the applicable stability window. The default window is 180 days (ages 0 to 74) or 365 days (75+), and can be bought down to as little as 90 days (Standard/Enhanced) or 30 days (Gold/Platinum).
Information accurate as of May 2025
This page reflects the AwayCare policy wording available to us as of May 2025 and is provided for general guidance only. Pre-existing condition rules, stability windows, eligibility, and plan wording can change. Confirm current terms with our advisor and review the policy wording before you buy.
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