If you are planning on travelling and rely on your group benefits for protection, you may want to read the fine print. Please read below. I have posted an article from Manulife’s Group Travel site.
Stable medical conditions are covered under your plan
Starting December 1, 2012, we’re making an
addition to the Out-of-Country/Out-of-Province or
Emergency Travel Assistance coverage provided as
part of your Group Benefits plan. With the wording
change, we’re helping you understand that coverage
is available for unexpected medical emergencies
related to a diagnosed medical condition if it was
considered medically-stable before you left your
province or territory of residence.
What does medically-stable mean?
To be considered medically-stable under your plan,
during the 90-days leading up to your departure,
you/your eligible dependant must not have:
been treated or tested for any new symptoms
had an increase or worsening of any existing
changed treatments or medications (other than
normal adjustments for ongoing care);
been admitted to the hospital for treatment of
Other things to consider before you leave:
Coverage for travel medical emergencies is not
available if you (or your dependant) have scheduled
non-routine appointments, tests or treatments for the
condition or another undiagnosed condition.
Coverage is available for medical emergencies
related to pregnancy as long as travel is completed
at least 4 weeks prior to the due date.
Having valid coverage under a Government
Health Insurance Plan is required for you and your
Coverage for a travel medical emergency ends
when the attending physician feels that, based on
the medical evidence, a patient is stable enough to