history . High blood pressure is a cardiovascular condition , not a heart condition ( the two aren ’ t automatically linked ). You can have high blood pressure without a heart condition , and vice-versa . We ’ ll evaluate your eligibility based on your medical history .
In the past three years , 5,000 AMA members have attended information sessions about travel medical insurance for out-ofprovince trips . After hosting many events , AMA ’ s Pam Murray can predict the questions that will invariably be asked . ( Maybe you ’ ve even thought to ask them !) Here , the travel insurance sales manager responds to your top queries .
am i insurable if i ’ ve had heart bypass surgery ? If you indicate on your medical questionnaire that you ’ ve had a bypass , you ’ ll be directed to our underwriting department . They ’ ll ask more questions to see if you ’ re eligible for coverage . Another option : AMA Travel has travelpackage policies that include a medical insurance component without a questionnaire , which may benefit higher-risk travellers . These policies do , however , have age and trip-duration limits . insurance iQ Medical Matters
answering your FaQs about applying for travel medical insurance
AMA Travel ’ s mandate is to offer good coverage and great service — at a fair rate — to our members
What about medical stability requirements . am i covered if my medication changes ? A stable medical condition means everything has been status quo for three or six months prior to your departure date , depending on your age . A change in meds ( be it a new drug or different dosage ) could affect your condition ; your medical history would have to indicate stability . Dosage adjustments for insulin and Coumadin are exempt from this requirement .
Stability also means you haven ’ t had any new or more frequent symptoms or a change in treatment , nor have you undergone any medical intervention or hospitalization , and you ’ re not waiting for tests to be completed or for results .
if my blood-pressure medication changes , will i be covered for a heart attack ? That depends on your medical can a claim be denied if i make a mistake on the questionnaire ? Many insurers do have a zerotolerance policy for inaccurate responses . The medical questionnaire assesses risk based on your health history . If your answers are inaccurate and you ’ re assessed incorrectly , it ’ s understandable that your coverage would be void .
At AMA , we understand that it ’ s possible to make an honest mistake on the form . If that happens to you , we ’ ll conduct a thorough assessment before making a decision . You may be able to pay the difference in the premium , which will be based on the corrected answers on your questionnaire , plus the first $ 5,000 of the claim .
What makes aMa different from other insurers ? Our travel insurance provider , Orion Travel Insurance , is owned by AMA and CAA South Central Ontario . Its mandate is to offer good coverage and great service — at a fair rate — to our members .
We have a very low denial rate , no age limit , coverage for preexisting conditions if stability criteria are met , multi-trip plans and more . Remember : AMA is always here to help you , plus Orion has medical personnel on staff to answer questions about your medical coverage . We want to ensure you ’ re as informed and protected as possible when travelling .
Find more answers to travel medical insurance FAQs : AMATravel . ca / TMIquestions
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18 Fall 2018 AMA InsIder always read and understand your aMa travel insurance Policy before travelling . aMa travel insurance is underwritten by orion travel insurance company . caa assistance is provided by active care Management inc . terms and conditions apply .