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Travelance Pre-Existing Conditions at a Glance
- Underwriter
- Old Republic Insurance Company of Canada
- Tiers
- Essential · Premier
- Essential
- Flat 180-day exclusion (no stability test)
- Premier (≤69)
- 180-day stability test
- Premier (70–79)
- + blanket heart/brain/lung exclusion
- At purchase
- Medical Conditions Table eligibility check
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).
FAQs
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.
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.
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