The short answer is only about 5% of the travelling public are not able to purchase any insurance because of severe health or terminal conditions.

And, contrary to  what you have heard and read on TV and the newspapers, the average Canadian private insurer actually pays 95% or more on submitted claims. Your travel medical policy has conditions, limitations, and exclusions and was never designed to cover every possible claims situation.  That is why it is important for you to read your policy and discuss the terms fo the policy and application with your Insurance Broker.  My best advise is to pick a Broker you feel comfortable with and stick with him or her.

Some medical conditions can not be covered. The key word is length of "Stability". Some new or combination of conditions require a full medical underwriting questionnaire be completed by you, or your MD and forwarded to us or to the insurer for a decision on coverage. We do have alternate companies available - RSA, TourMed, Manulife, Destination Travel, Primelink (Can-Am Insurance)  which can review your application on an individual basis and possibly provide coverage. For successful applicants, coverage will be written into the contract. Call us today for a quick answer to your medical condition or problem(s).

We now have reduced stability period options available from a number of our insurers, with Tugo offering the lowest period of only 7 days prior to travel.  We have that option available on the Quest or Traveller Plan.

For Visitors to Canada Insurance, my office has many good choices for companies covering stable pre existing conditions.  Just phone or email to me to get your quote started. You can also visit our Visitors to Canada Medical Insurance page at Visitors to Canada Insurance, Visitor Canadian Travel Insurance , Expatriate, Returning Canadians, Medical

My Brokerage does have a wide choice of Visitor to Canada Insurance plans which include Allianz Global Assistance, 21st Century, Manulife, Destination Travel, Tugo Travel -Platinum Visitors Plans, Blue Cross, and Prime Link

Coverage limits on Visitors to Canada Medical plans are available from $10,000 to $300,000. Cad per person.