Rate category determines the duration of the pre-existing condition exclusion.
|Rate Category||Time period||Manulife Travel Insurance will not pay any expenses relating to a...|
|Pre-Existing condition||Heart condition||Lung condition|
|Rate Category A||3 months||Not stable in the time period before the effective date of your insurance||In the time period before your effective date, any heart condition has not been stable or you required any form of nitroglycerine for the relief of angina pain||In the time period before your effective date, any lung condition has not been stable or you required treatment with oxygen or Prednisone for your lung condition|
|Rate Category B and C||6 months|
Note: Travel Canada Emergency Medical Plan - no pre-existing condition exclusion applies.
Stable medical condition means that all of the following apply:
Change in Medication
Other conditions, limitations and exclusions apply.
Please see the policy for details.