Start with the details that matter
Option choice, stability window, Zurich assistance, and refund wording shape whether this plan fits.
Option fit
Option 1 vs Option 2 and the selected coverage amount.
Medical wording
Age-banded stability versus zero pre-existing coverage.
Cost and timing
Waiting period, AD&D, Zurich Assistance, and refund-fee details.
Destination Canada Pre-Existing Conditions at a Glance
- Underwriter
- Zurich Insurance Company Ltd (Canadian Branch)
- Operator
- The Destination: Travel Group Inc.
- Option 1
- Age-banded stability (90 / 120 / 180 days)
- Option 2
- No pre-existing coverage (lower cost)
- Note
- Not the Destination Canada tourism organization
How Destination Canada Handles Pre-Existing Conditions: Option 1 vs Option 2
Destination:Canada's Visitors to Canada plan (from The Destination: Travel Group Inc., underwritten by Zurich) offers two distinct choices for pre-existing conditions. Option 1 may cover a pre-existing condition that was stable for an age-based period before the effective date. Option 2 provides zero pre-existing condition coverage, regardless of stability — usually at a lower cost.
Choosing the right option for your parent's medical history is the key decision on a Destination:Canada quote. For applicants over 80, confirm the exact stability window and eligibility with our advisor rather than relying on a general figure, as terms for the oldest age band can vary.
Option 1: Stability Window by Age
| Applicant age | Option 1 stability requirement |
|---|---|
| 59 and under | Stable in the 90 days before the effective date |
| 60 to 69 | Stable in the 120 days before the effective date |
| 70 to 79 | Stable in the 180 days before the effective date |
| 80 and older | Confirm the exact window and eligibility with your advisor |
Reflects Destination:Canada's reviewed wording (December 2025). Option 2 has no pre-existing coverage at any age. This product is from The Destination: Travel Group Inc., not the Destination Canada tourism organization. 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 Destination Canada specifically applies it.
What to Confirm With Destination Canada
- Whether Option 1 (age-banded stability) or Option 2 (no pre-existing coverage) is selected for the applicant.
- The exact stability window for your parent's age band under Option 1.
- For applicants over 80, the current window and eligibility (confirm — do not assume).
- Whether the selected coverage amount and term meet the current Super Visa requirement.
FAQs
Only under Option 1, which may cover a condition that was stable for an age-based window (90 days under 60, 120 days for 60 to 69, 180 days for 70 to 79). Option 2 provides no pre-existing coverage at all.
Information accurate as of December 2025
This page reflects the Destination Canada policy wording available to us as of December 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.
Continue Comparing Medical-History Coverage
Explore related guides to compare options and choose the right policy with confidence.
Ready to Compare
Your information is secure and never shared.
Office Hours
Monday – Saturday: 9:00 AM – 7:00 PM
Sunday: Closed
All times Eastern Time (ET)
- No cost for the comparison, and no obligation to buy
- We compare plans from 9+ Canadian insurers
- Medical-history questions reviewed before you commit