Super Visa QuoteTravelance Super Visa Insurance and Pre-Existing Conditions
How Travelance Super Visa insurance handles pre-existing medical conditions for parents and grandparents — the stability rules, what to confirm, and how it compares.
- Travelance's specific pre-existing rule, explained
- What counts as a "stable" condition
- What to confirm before you buy
- Compare with other providers
How Travelance Handles Pre-Existing Conditions: Essential vs Premier
Travelance (underwritten by Old Republic Insurance Company of Canada) treats pre-existing conditions differently across its two tiers. Both plans start with the same upfront eligibility gate at purchase — a Medical Conditions Table listing specific serious conditions; certain listed conditions diagnosed, treated, or hospitalized for in the 12 months before applying can affect eligibility for either plan.
After that gate, Essential applies a flat 180-day pre-existing exclusion with no stability test. Premier applies a 180-day stability test for applicants age 69 and under; for ages 70 to 79, Premier adds a blanket exclusion of any heart, brain, or lung condition that existed in the 180-day window, regardless of stability. Applicants 80 to 85 should confirm the exact pre-existing terms 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 Travelance specifically applies it.
What to Confirm With Travelance
- Whether Essential (flat exclusion) or Premier (stability test) fits your parent's medical history.
- Whether any condition on the upfront Medical Conditions Table affects eligibility.
- For ages 70 to 79 on Premier, whether the blanket heart/brain/lung exclusion applies.
- For ages 80 to 85, the exact pre-existing terms (confirm — do not assume).
Review a Travelance 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 Travelance cover pre-existing conditions?
Premier may cover a condition that meets its 180-day stability test (age 69 and under). Essential uses a flat 180-day exclusion with no stability test. Both start with a Medical Conditions Table eligibility check at purchase.
What changes for ages 70 to 79 on Premier?
Premier adds a blanket exclusion of any heart, brain, or lung condition that existed in the 180 days before the start date for this age band — regardless of how stable it has been.
What is the Medical Conditions Table?
It is an upfront list of specific serious conditions; certain ones diagnosed, treated, or hospitalized for in the 12 months before applying can affect eligibility for either plan. Confirm your parent's situation with our advisor.
Information accurate as of November 2024
This page reflects the Travelance policy wording available to us as of November 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
Related Insights and Guides
Review a Travelance 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.