To be eligible for coverage you must, as of the date you apply for coverage and the effective date:
1. Be at least 15 days old and no more than 59 years old; and
2. Be a resident of Canada and insured for benefits under a Canadian government health
insurance plan during the entire period of coverage; and
3. Not have been diagnosed with a terminal illness or received treatment for a terminal
condition for which a physician gave you a prognosis of eventual death or for which
palliative care was or is being received; or
4. Not have been diagnosed with stage 3 or 4 cancer; or metastatic cancer; or have received
treatment for any cancer (other than basal or squamous cell cancer or breast cancer
treated only with hormone therapy) in the last 3 months; or
5. Not require kidney dialysis; or
6. Not have been prescribed or used home oxygen in the last twelve (12) months; or
7. Never have had a bone marrow, stem cell or organ transplant (except corneal transplant);
or
8. not require assistance with activities of daily living (including but not limited to, eating,
bathing, using the toilet, changing positions, getting in/out of a bed or chair, getting
dressed) as the result of a medical condition or state of health; or
9. Not have been advised by a physician to avoid travel at this time, or for a period of time
which includes your trip
10. Not be travelling or going on your trip to receive treatment or alternative therapy of any
kind.

1. Be at least 15 days old,
2. Be a Canadian resident and be insured for benefits under a Canadian government health insurance plan during the entire Coverage Period,
3. Not have been advised against travel by a physician for a period of time which includes your trip, and
4. Not be traveling or going on your trip to receive treatment or alternative therapy of any kind.
- Canadian resident means a person legally authorized to reside in Canada and who maintains a permanent residence in Canada.
- The provincial and territorial government health insurance plans limit the time a person can be out of Canada and still remain eligible for provincial coverage. It is your responsibility to ensure you remain eligible during your Coverage Period. Check your province or territory’s health insurance plan for details.
5. In the two (2) years prior to the effective date, you must not have been diagnosed with or received treatment for a terminal condition for which a physician gave you a prognosis of eventual death or for which palliative care was or is being received.
6. If you are age 65 or older on the effective date, to be eligible for coverage you must not require assistance with activities of daily living including but not limited to, eating, bathing, using the toilet, changing positions(including getting in and out of a bed or chair), or dressing, as the result of a medical condition or state of health.