Super Visa QuoteGMS Super Visa Insurance and Pre-Existing Conditions
How GMS Super Visa insurance handles pre-existing medical conditions for parents and grandparents — the stability rules, what to confirm, and how it compares.
- GMS's specific pre-existing rule, explained
- What counts as a "stable" condition
- What to confirm before you buy
- Compare with other providers
How GMS Handles Pre-Existing Conditions
GMS (Group Medical Services) excludes pre-existing conditions that were not stable for 180 days before the policy's effective date. "Stable" is assessed with an 8-part test covering things like no new diagnosis, no change in medication or dosage, no new or worsening symptoms, and no pending test results or recommended-but-not-yet-completed treatment, among other criteria.
Eligibility also matters: GMS's Visitors to Canada plan generally applies to applicants under age 80 on the effective date, and is not available to residents of Quebec, New Brunswick, or Nunavut. Whether a specific condition counts as stable under the 8-part test depends on the individual history — confirm with our 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 GMS specifically applies it.
What to Confirm With GMS
- Whether your parent's condition has been stable across the full 180-day window under the 8-part test.
- Whether the applicant is under 80 on the effective date and able to meet eligibility criteria.
- Whether your family's province of residence is eligible (not Quebec, New Brunswick, or Nunavut).
- Whether recent medication changes, pending tests, or new symptoms could break stability.
Review a GMS medical-history quote
Share the parent or grandparent's age, conditions, medication stability, and travel dates. We can confirm how this provider treats the condition and compare it with others.
FAQs
Does GMS cover pre-existing conditions?
GMS may cover a condition that was stable for the 180 days before the effective date, assessed against an 8-part stability test. Conditions that fail any part of the test are excluded.
What is the 8-part stability test?
It checks for things like no new diagnosis, no medication or dosage change, no new or worsening symptoms, and no pending tests or recommended treatment in the 180-day window. The exact wording should be reviewed before buying.
Is GMS available everywhere?
GMS Visitors to Canada insurance is generally for applicants under 80 and is not available to residents of Quebec, New Brunswick, or Nunavut.
Information accurate as of August 2024
This page reflects the GMS policy wording available to us as of August 2024 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
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Review a GMS medical-history quote
Share the parent or grandparent's age, conditions, medication stability, and travel dates. We can confirm how this provider treats the condition and compare it with others.