GENERAL PROVISIONS

Applicable to Individual, Package Plus, Canada Package and Visitors to Canada products
 
Your client can return to their province or country of residence and then leave for their destination without their insurance contract terminating. During this period, no insurance coverage is valid and no premium refund is granted for days spent in their province or country of residence.

Before returning to their travel destination, your client must still meet insurance eligibility criteria.

In addition, when returning to their travel destination, a health condition that is not stable will be considered a pre-existing medical condition and will be excluded for the remainder of the term of the contract, in accordance with the exclusions relating to pre-existing medical conditions of the Emergency Medical Care coverage.

In the event of a claim, we verify the information provided, including anything relating to your medical history.

If you or someone acting on your behalf makes a fraudulent, deceptive or exaggerated statement or claim, whether at the time of enrollment, at the time of a claim or at any other time during the life of the contract, the contract will be considered null and to never have existed.

In the absence of a medical contraindication, when the Canadian or provincial government recommends that travellers return to the country while you are already on a trip, we may require your return to the province of residence within a period of time that we deem reasonable.