This Insurance does not provide payment or indemnity for expenses incurred directly or indirectly as a result of:

1. Any Pre-existing Condition except as follows:

a) On trips 28 days and less, except for conditions where symptoms arose or medical consultation was required within 7 days prior to departure, with the exception of a Minor Ailment.

b) On trips over 28 days, any condition which has remained Stable in the 90 days prior to the commencement date of a covered trip.

a) On trips 14 days and less, except for conditions where symptoms arose or medical consultation was required within 7 days prior to departure, with the exception of a Minor Ailment.

b) On trips over 14 days, any condition which has remained Stable in the 180 days prior to the commencement date of a covered trip.

a) On all trip lengths, Pre-existing Conditions must be Stable in the 365 days prior to the commencement date of a covered trip.

2. Cardiovascular condition for persons 65 year and over if taking 3 or more prescribed medications and one or more of the medications is related to a cardiovascular condition. Medication taken for high blood pressure is not included. Also not included in the list of 3 or more prescribed medications, unless taken as a result of a cardiovascular condition, are medications taken for a Minor Ailment, thyroid, glaucoma, allergies, eczema, heartburn, menopause, migraines and sleeping disorders.

3. Any condition(s) for which the Insured is registered on a Canadian hospital list waiting to receive treatment.

4. Conditions or any related conditions for which tests and investigative consultation took place, or was scheduled to take place prior to departure, and for which results had not yet been received at the time of departure.

For more coverage details, see policy wording.