ALLIANZ GLOBAL ASSISTANCE

VTC Pre-existing Condition Exclusion1 a) If you are 59 years of age or younger on the effective date: Benefits are not payable for costs incurred due to or as a result of your medical condition or related condition that was not stable at any time during 90 days immediately prior to the effective date. . b) If you are between the ages of 60 and 79 on the effective date:
I. Benefits are not payable for costs incurred due to or resulting from any of the following pre-existing conditions, unless you have completed a Medical Questionnaire, have been approved in writing by AGA, and have paid the required premium: • heart problems; Heart condition includes angina or chest pain, arrhythmia, arteriosclerosis, atrial fibrillation, congenital heart defect, congestive heart failure, cardiomyopathy, carotid artery occlusion, heart attack (myocardial infarction), heart murmur, irregular heartbeat or heart rate , any other condition related to the heart or cardiovascular system. • stroke or mini-stroke (TIA- transient ischemic attack).
ii. Benefits are not payable for costs incurred due to or as a result of any pre-existing condition not listed in i) unless it has been stable for the 180 days immediately preceding the effective date.
c) If you are between the ages of 80 and 89 on your effective date: No benefits are payable for any pre-existing condition unless you have completed a Medical Questionnaire, been approved in writing by AGA, and paid the required premium.
VTC2 Benefits are not payable for costs incurred due to any treatment, investigation or hospitalization that is a continuation or subsequent to emergency treatment of an illness or injury, unless approved in advance by AGA.
VTC3 Benefits are not payable for any costs incurred due to any illness for which signs or symptoms appeared within 48 hours of the effective date, except when applying for coverage:
a) before the expiration date of your existing AGA-administered policy; or b) before the date of departure from their country of origin. VTC4 benefits are not payable for costs incurred due to any loss incurred outside of Canada when the majority of the coverage period has not been spent in Canada. VTC5 Benefits are not payable for costs incurred due to any loss incurred within your home country.
VTC6 Benefits are not payable for costs or losses incurred while sane or insane due to:
a) your emotional or mental disorders resulting from any cause, including, but not limited to, anxiety or depression; or b) your suicide or attempted suicide; or c) your intentionally self-inflicted injury. VTC7 Benefits are not payable for costs incurred due to pregnancy, abortion, miscarriage, childbirth or complications thereof.
VTC8 Benefits are not payable for costs incurred due to loss, death or injury, if at the time of the loss, death or injury, evidence supports that the medical condition causing the loss was in any way contributed by:
a) your intoxication or abuse of alcohol; or b) your use of prohibited drugs or any other intoxicant; or c) your failure to comply with prescribed treatment or medical therapy; or d) your misuse of medication.
VTC9 benefits are not payable for costs incurred due to injuries resulting from training or participation in:
a) motorized speed contests; or b) stunt activities; or c) professional sports activities (Professional means that you are considered a professional by the sport’s governing body, derive the majority of your income from such activity, and are paid for your participation, whether you win or lose); or d) high-risk activities. High Risk Activity(s) means any off-limits skiing, heli-skiing, ski jumping, skydiving, parachuting, scuba diving (except if certified by an internationally recognized and accepted program such as NAUI or PADI, or if the depth of diving is not exceeds 30 meters), rafting (except grades 1-4), street sledding, skeleton activity, mountain climbing, or participation in any rodeo activity. Mountaineering means the ascent or descent of a mountain that requires the use of specific equipment including crampons, pegs, anchors, bolts, carabiners, and lead rope or top rope anchoring equipment. VTC10 benefits are not payable for costs incurred due to illness or injury resulting from a motor vehicle accident in which you are entitled to benefits under any legislative motor vehicle insurance policy or plan, except where such benefits have been exhausted.
VTC11 Benefits are not payable for costs incurred due to any illness, injury or medical condition when traveling for the purpose of obtaining medical advice or treatment. VTC12 Benefits are not payable for costs incurred due to your travel against the advice of a physician or any loss resulting from your illness or medical condition that was diagnosed by a physician as terminal prior to the effective date of this policy.
VTC13 Benefits are not payable for costs incurred due to any treatment that may be reasonably delayed until you return to your home country (whether or not you intend to return) by the next available means of transportation, unless approved in advance. by AGA. VTC14 Benefits are not payable for costs incurred due to any medical consultation that is not an emergency, ongoing, elective or as a result of a previous elective procedure. VTC15 benefits are not paid for costs incurred due to hospitalization or services rendered in connection with general medical examinations for check-up purposes, treatment of an ongoing condition, regular care of a chronic condition, medical care home care, investigative testing, rehabilitation, or continuing care or treatment related to drug, alcohol, or other substance abuse.
VTC16 benefits are not paid for costs incurred due to any rehabilitation or convalescent care. VTC17 benefits are not paid for costs incurred due to dental or cosmetic surgery. VTC18 benefits are not paid for costs incurred due to naturopathic or holistic treatment. VTC19 benefits are not paid for charges in excess of the reasonable and customary fee for the area where treatment or services are being performed. VTC20 Benefits are not payable for costs incurred due to treatment or services that contravene, or are prohibited by law under a provincial or territorial medical/hospital plan.
VTC21 Benefits are not payable for costs incurred due to any loss incurred in a city, region or country where, prior to the effective date, the Government of Canada’s Department of Foreign Affairs, Trade and Development issued a written warning to avoid all travel. , or to avoid non-essential travel, to that city, region or country.