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Pre-existing medical condition means sickness, illness, disease, symptom, or injury that existed or for which medication has been taken, received, or prescribed (including prescribed as needed), or for which treatment has been prescribed or received in the 180 days before your effective date of insurance as stated on your policy confirmation.

Under 55 years of age – you're automatically covered for pre-existing medical conditions as long as they have been stable in the 180 days before the policy starts.
Between the ages of 55 and 85 – complete a Medical Declaration to see if you are eligible to buy our Enhanced Plan; to cover pre-existing conditions. If you are ineligible or decide not to purchace the Enhanced Plan, you will pay a lower premium but will NOT be covered for any pre-existing conditions - stable or unstable.

Stable Chronic Condition means a pre-existing medical condition for which, in the 180 days prior to your effective date of insurance:

there have been no new symptoms or change in symptoms; and
existing symptoms have not become more frequent or severe; and
a physician has not found that the medical condition has become worse;
no test findings have shown that the medical condition may be getting worse; and
a physician has not provided, prescribed, or recommended any new medication, or any change in medication; and
a physician has not provided, prescribed, or recommended any investigative testing, new treatment, or any change in treatment; and
there has been no hospitalization or referral to a specialist or specialty clinic; and
a physician has not advised referral to a specialist or further testsing, and there has been no testing for which results have not yet been received.

We will not cover any heart condition if, in the 180 days before the effective date, you required any form of nitroglycerine for the relief of angina pain.

We will not cover any lung condition if, in the 180 days before the effective date, you required treatment with prednisone for a lung condition.

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Waiting Period means a period, starting from the effective date of this policy, during which premiums are payable but claims resulting from any sickness will be not eligible for reimbursement. Any sickness that manifests itself during the waiting period is not covered even if related expenses are incurred after the waiting period.

A waiting period will apply if you:

purchase this policy after your arrival date or
fail to properly notify us of your actual arrival date (as explained in Your Coverage Starts); or
decrease your deductible amount or change from a 21st Century plan that does not cover stable pre-existing medical conditions to one that does or increase your aggregate policy limit when you purchase consecutive policies with no gap between the expiry date of the previous policy and the effective date of the subsequent policy.

The following waiting periods apply in the above circumstances:

if, within the first 30 days after your arrival date: you purchased or activated this policy, or failed to properly notify 21st Century (as explained in Your Coverage Starts)the waiting period is 72 hours.
if, 31 or more days after your arrival date: you purchased or activated this policy, or failed to properly notify 21st Century (as explained in Your Coverage Starts)the waiting period is 7 days.

The waiting period will be waived if this policy:

is purchased or activated on or prior to the expiry date of an existing Visitors to Canada policy already issued by us to take effect on the day following such expiry date, provided there is no increase in the aggregate policy limit or decrease in the deductible amount and there is no change from Standard to Enhanced coverage rates; or
is purchased prior to your arrival date (unless you failed to notify 21st Century (as explained in Your Coverage Starts); or
we specifically waive or modify the the waiting period.

If you have coverage with another insurer during the first part of your trip, and you are purchasing or activating this insurance after your arrival date and there will be no gap in your coverage, you may submit a Special Consideration Form and request to have the waiting period waived. You must be in good health and provide proof satisfactory to us that you have other coverage in force prior to purchasing this policy and receive written approval from us.