Visitors to Canada Insurance - Waiting Period
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 to this policy if you:
The waiting period is 72 hours if the above circumstances occur within the first 30 days after your arrival date. The waiting period is 7 days if the above circumstances occur 31 days or more after your arrival date.
A waiting period of 7 days will apply to this policy when you purchase consecutive policies with 21st Century with no gap in coverage, and relative to the coverage on the prior policy, you choose to:
The waiting period will be waived if this policy:
If you have coverage with another insurer during the first part of your trip, and you are purchasing or you will activate 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 21st Century that you have other coverage in force prior to purchasing this policy and receive written approval from 21st Century.
We, us and our means Manulife.
You, your and yourself mean the person(s) identified as Insureds on the policy confirmation or eligible applicant(s) listed on the application for this insurance and for whom premium has been received by us.