Notices

Limitations for Pre-Existing Medical Conditions
Other Exclusions
Legal Notice
Trips Outside of North America

Limitations for Pre-Existing Medical Conditions

Emergency Health Care and Trip Cancellation do not cover pre-existing injuries and medical conditions or any related conditions if, during the reference period, you were awaiting medical test results or

• consulted a physician;
• took medication;
• were hospitalized;
• received treatment;

or were advised to do any of the above by a physician.

The reference period is:

• the 6 months before the effective date of coverage if you are age 54 or under
• the 12 months before the effective date of coverage if you are age 55 or over

This limitation does not apply if the medical condition remained stable during the reference period. "Stable" means that there has been no hospitalization or increase in treatment or medication dosage. In the case of a diabetic or of someone taking Coumadin, "stable dosage" is not a factor that is considered.

Other Exclusions

In certain circumstances that are too risky, the Insurer may decide not to pay the benefits provided for under the contract.
The "Limitations, Restrictions and Exclusions" section in the guide-policy (PDF, 530 KB) lists these occurrences.

Legal Notice

This section summarizes the type of coverage provided and the terms and conditions of the Travel Insurance. The information is intended to be clear and simple, so that you can easily understand the product.

Only the policy and insurance application will be used to settle legal disputes. The insurance policy contains all the terms and conditions. Certain exclusions and restrictions may apply.

Trips Outside of North America

Planning a trip outside of Canada, the United States and Mexico?

Some Desjardins Access card-holders have experienced difficulties when trying to withdraw money at ATMs of certain banks affiliated with the PLUS^TM network abroad.

To avoid this inconvenience at any PLUS^TM network ATMs located outside of North America, we can replace your Desjardins Access Card, as a preventive measure. With your new card, you will be able to travel worry free.