Snowbird Insurability Guide

“Can I get travel insurance with a pre-existing condition?”

This is a question that many travellers ask. The answer is most often yes—there are plenty of options out there! But just how many options you have will depend on your specific condition.

Wondering how insurable you are? Wonder no more! We’ve put together this Insurability Guide so you can find out what to expect when seeking travel insurance. Simply find your condition in the list below and click to read about your insurability level. Then take a look at our insurance products, including plans designed especially for snowbirds—or contact us any time for help!

 

Find your condition…

AIDS (or HIV)Aneurysm (3.5 cm or more) which remains unrepaired

Basal or squamous cell skin cancer

Cancer (not metastatic)

Chronic bowel disease

Congestive heart failure

Diabetes

Diverticulitis

Gallbladder disease

Heart condition (without surgery or most recent bypass/angioplasty more than 1 year ago, but less than 10 years ago)

Heart condition (with most recent bypass/angioplasty within the last year or more than 10 years ago)

High blood pressure

High cholesterolHIV (or AIDS)

Kidney disease, infection, stones (does not require dialysis)

Kidney disease (requiring dialysis)

Lung condition (that does not require home oxygen)

Lung condition (with home oxygen/treatment with prednisone)

Metastatic cancer

Peripheral vascular disease

Reflux (gastroesophageal reflux disease)

Stroke, mini stroke (cerebrovascular accident/transient ischemic attack)

Terminal illness

Thyroid conditions


AIDS (or HIV)

Stability Period: N/A
Insurability Level 6: Coverage may not be available. If coverage is available, it is likely to exclude all expenses related to high-risk pre-existing medical condition(s).


Aneurysm (3.5 cm or more) which remains unrepaired

Stability Period: 6 months to 1 year
Insurability Level 4: Low insurability level. Many plan options for travellers with only one of these conditions. Few plan options for travellers with more than one of these conditions. High rates.


Basal or squamous cell skin cancer

Stability Period: 3 to 6 months
Insurability Level 1: Highest insurability level. Most plan options. Lowest rates.


Cancer (not metastatic)

Stability Period: 6 months to 1 year
Insurability Level 3: Moderate insurability level. Many plan options. Average rates.


Chronic bowel disease

Stability Period: 3 to 6 months
Insurability Level 2: High insurability level. Many plan options. Low rates.


Congestive heart failure

Stability Period: 6 months to 1 year
Insurability Level 5: Lowest insurability level. Very few plan options. Highest rates.


Diabetes

Stability Period: 6 months to 1 year
Insurability Level 4: Low insurability level. Many plan options for travellers with only one of these conditions. Few plan options for travellers with more than one of these conditions. High rates.


Diverticulitis

Stability Period: 3 to 6 months
Insurability Level 2: High insurability level. Many plan options. Low rates.


Gallbladder disease

Stability Period: 3 to 6 months
Insurability Level 2: High insurability level. Many plan options. Low rates.


Heart condition (without surgery or most recent bypass/angioplasty more than 1 year ago, but less than 10 years ago)

Stability Period: 6 months to 1 year
Insurability Level 4: Low insurability level. Many plan options for travellers with only one of these conditions. Few plan options for travellers with more than one of these conditions. High rates.


Heart condition (with most recent bypass/angioplasty within the last year or more than 10 years ago)

Stability Period: 6 months to 1 year
Insurability Level 5: Lowest insurability level. Very few plan options. Highest rates.


High blood pressure

Stability Period: 3 to 6 months
Insurability Level 1: Highest insurability level. Most plan options. Lowest rates.


High cholesterol

Stability Period: 3 to 6 months
Insurability Level 1: Highest insurability level. Most plan options. Lowest rates.


HIV (or AIDS)

Stability Period: N/A
Insurability Level 6: Coverage may not be available. If coverage is available, it is likely to exclude all expenses related to high-risk pre-existing medical condition(s).


Kidney disease, infection, stones (does not require dialysis)

Stability Period: 3 to 6 months
Insurability Level 2: High insurability level. Many plan options. Low rates.


Kidney disease (requiring dialysis)

Stability Period: 6 months to 1 year
Insurability Level 5: Lowest insurability level. Very few plan options. Highest rates.


Lung condition (that does not require home oxygen)

Stability Period: 6 months to 1 year
Insurability Level 4: Low insurability level. Many plan options for travellers with only one of these conditions. Few plan options for travellers with more than one of these conditions. High rates.


Lung condition (with home oxygen/treatment with prednisone)

Stability Period: 6 months to 1 year
Insurability Level 5: Lowest insurability level. Very few plan options. Highest rates.


Metastatic cancer

Stability Period: 6 months to 1 year
Insurability Level 5: Lowest insurability level. Very few plan options. Highest rates.


Peripheral vascular disease

Stability Period: 6 months to 1 year
Insurability Level 3: Moderate insurability level. Many plan options. Average rates.


Reflux (gastroesophageal reflux disease)

Stability Period: 3 to 6 months
Insurability Level 1: Highest insurability level. Most plan options. Lowest rates.


Stroke, mini stroke (cerebrovascular accident/transient ischemic attack)

Stability Period: 6 months to 1 year
Insurability Level 4: Low insurability level. Many plan options for travellers with only one of these conditions. Few plan options for travellers with more than one of these conditions. High rates.


Terminal illness

Stability Period: N/A
Insurability Level 6: Coverage may not be available. If coverage is available, it is likely to exclude all expenses related to high-risk pre-existing medical condition(s).


Thyroid conditions

Stability Period: 3 to 6 months
Insurability Level 1: Highest insurability level. Most plan options. Lowest rates.


Couldn’t find your condition? Have more questions about what type of plan will be suitable for you? We’re here to help.

 

View the rest of the articles on Ingle International for more travel guides and tips.

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