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The peak Snowbird travel season is on the horizon. Choosing the right travel insurance can give you peace of mind during your travels. It’s important you understand pre-existing conditions. When it comes time to buy, three key factors impact your coverage: age, trip length and the stability of pre-existing conditions. The Emergency Medical Insurance component of travel insurance only covers unexpected illness that arises during your trip. It will not cover any medical or dental condition, illness or injury that exists prior to the start of your trip.


Travel insurance rates are set using age brackets. Stability periods vary depending on your age bracket. The younger you are, the shorter the stability period. The Stability Period is frequently 90, 180 or 365 days depending on your age. Purchasing or renewing your travel insurance before milestone birthdays can significantly lower your rates and save you money!

Trip Length

Consider the actual length of time of your trip. For example, the cost for 10 day policy is dramatically different than one for six months. Also, if you travel frequently during the year, you may benefit from the purchase of an Annual Policy.  This will be cheaper than several Single Trip policies. It’s just like Costco. You save when you buy in bulk!

Pre-Existing Conditions

If you are taking medication, it’s important to know the impact of changing your dosage. Any alteration of medication resets the start date of your stability period. As well, any new symptoms, change in frequency or severity of existing symptoms, impacts your stability.  See your physician well in advance of your trip and let them know you plan to travel.

Please contact us if you have questions regarding the application process or Travel Insurance coverage. It is important you understand the stability requirements and how pre-existing conditions relate to your coverage.