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Deductible means the amount of eligible medical expenses that must be paid by the insured before the insurance company begins to reimburse for covered expenses.

Pre-existing medical condition means a sickness, injury or medical condition. Whether or not diagnosed by a physician:

• for which you exhibited signs or symptoms.
• for which you required or received medical consultation.
• which existed before the effective date of the coverage.

Stable means a pre-existing medical condition that:

• did not require or was not referred for any medical consultation.
• did not require a change in type or dosage of medication within last 180 days.

There is 100% refund of premiums if visa gets refused by the immigration department we need visa refusal letter before the effective date.
If NO claim on the policy, we would be able to provide an early return refund of unused premiums.

Date of entry into Canada will NOT automatically start your insurance. Your insurance starts on the effective date of the policy as listed on your insurance documents. If you want to amend the effective date of the policy, you must contact your broker (IN WRITING) before the effective date.