3
RESTRICTIONS/LIMITATIONS
Benefits will vary from policy to policy, so check and pay particular attention to
possible restrictions and limitations, such as the following:
Pre-Existing Conditions - Some policies will not provide coverage for
conditions that exist before your departure. This includes conditions for which
you have seen a doctor or received other treatment recently. Other policies may
provide coverage for these conditions, but on a limited basis.
If you currently have a condition that is stable or under control by medication, and
you are medically fit to travel, check your policy to see if you would be covered
were an emergency to arise (e.g., if you are on antihypertensive medication and
suffer a heart attack, if you have a mental disorder, or if you are in the latter stages
of pregnancy).
Sports - Participation in high-risk activities such as extreme sports e.g., scuba diving, sky diving, etc., may be excluded.
War - Policies may exclude coverage for injuries caused by war.
TIP: When completing the health portion of your travel insurance application form,
make sure you list all medications that you take. If you are not completely sure about
what to include, you can call your doctor or the OmbudService for Life and Health
Insurance for advice on how to proceed.
4
