Waiting Period means:
-
if age 86 or older, and this policy was purchased any
time after your arrival date, then in respect of any
sickness, you will only be entitled to receive
reimbursement for the cost of insured services
incurred 15 days or more following the effective date
of this policy.
-
if you are age 85 or under and this policy was
purchased within 30 days of your arrival date, then
in respect of any sickness, you will only be entitled to
receive reimbursement for the cost of insured services
incurred 72 hours or more following the effective date
of this policy, or,
-
if you are age 85 or under and this policy was
purchased 31 or more days after your arrival date,
then in respect of any sickness, you will only be
entitled to receive reimbursement for the cost of
insured services incurred 7 days or more following the
effective date of this policy.
Any sickness that manifests itself during the waiting period
is not covered even if related expenses are incurred after the
waiting period.
The waiting period will be waived if this policy:
-
is purchased prior to your arrival date; or
-
is purchased 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 and there is no change from standard to
stable chronic condition coverage rates; or
-
we specifically waive or modify the waiting
period.
If you have coverage with another insurer during the first
part of your trip, and you are purchasing this insurance
after your arrival date and there will be no gap in your
coverage, you may request to have the waiting period
waived. You must provide proof satisfactory to us that
you have other coverage in force prior to purchasing this
policy and receive written approval from us. |
