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What is the waiting period for post-departure travel insurance?
A waiting period will be required by the insurance company if you purchase an insurance policy for emergency medical expenses following your departure from Quebec.
The length may vary from 48 hours to seven days, depending on the policy you select. During this time, your medical insurance coverage will be reduced. Specifically, during the waiting period, you will not be covered for any illnesses or symptoms of disease. However, coverage for accidents will typically go into effect on the policy’s start date.
For a full explanation of the waiting period included in post-departure travel insurance for emergency medical expenses, speak to a Eureka Travel Insurance agent.
Exclusions and coverage reductions for post-departure travel insurance
Depending on your age and the length of your trip, your post-departure insurance policy may be subject to certain exclusions relating to pre-existing health conditions.
If you have consulted a doctor, experienced symptoms of illness, underwent a substantial change in the state of your health or submitted a claim to an insurance company following your departure from Quebec, it is possible that your request for post-departure travel insurance will be refused or that it will have exclusions and coverage reductions.
It is essential that you read your policy carefully in order to understand the details of your post-departure travel insurance for emergency medical expenses. Call us at 1 844 386-8448 for more information.
Eligibility criteria apply
When purchasing post-departure travel insurance for emergency medical expenses, there are some specific eligibility criteria which may apply.
A Eureka Travel Insurance agent can tell you about the criteria which apply to your situation, based on the selected insurance company.
For example, you may have to:
- Be covered by the Régime d’assurance maladie du Québec (RAMQ) for the entire duration of your trip
- Meet various eligibility criteria
* Please consult your insurance policy, paying particular attention to the provisions regarding eligibility and pre-existing health issues as well as any other exclusions, restrictions and conditions that apply to your coverage. Certain exclusions and benefit reductions may apply, which vary from one insurance company to another.