In an article entitled, “Travel Insurance and the “Pre-existing Condition” Enigma and the Canadian Visitor to the United States of America (or Elsewhere)”, I discussed stability clauses that are found in most travel insurance policies and the impact that a pre-existing medical condition may have in the ability to obtain travel insurance coverage. For the Canadian Snowbird or anyone travelling to the U.S. or elsewhere for any extended period, the importance of travel/emergency medical insurance is well documented.

Embedded in the standard policy of insurance is a section referred to as “Limitations and Exclusions” and as one might expect, this section identifies the limits of the coverage, typically in dollar amounts and exclusions -things or matters which are not covered under the policy of insurance. Travel insurance is no exception. Most travel insurance policies have an exclusion as it relates to alcohol, which for the naive or unsuspecting Canadian visitor to the United States could have some disastrous consequences. READ ON