Destination Travel Group

Student Insurance


Benefits are not payable for costs incurred due to: 1. Any pre-existing medical condition that was not stable within 90 days prior to the effective date.
2. Any pre-existing medical condition or any related condition for which, prior to your date of arrival in Canada or the country of study, a medical consultation was scheduled or recommended for the purpose of establishing a diagnosis and the results of which have not yet been received at the time of departure from their country of origin. 3. Testing and research consultation, including but not limited to biopsies, except when performed at the time of emergency illness or injury; except as specified in the non-emergency treatment (follow-up visit benefit).
4. Losses incurred due to: (i) any loss resulting from your minor mental or emotional disorder; and/or (ii) your self-inflicted injuries, unless medical evidence establishes that the injuries are related to a mental health condition. Except as provided in medical care benefit No. 15 of the policy text. Minor mental or emotional disorder means: – having anxiety or panic attacks, or being in an emotional state or in a stressful situation. A minor mental or emotional disorder is one in which your treatment includes only minor tranquilizers or minor anti-anxiety medications (anxiolytics) or no prescription medications.
5. Medical treatment and expenses incurred in your country of origin. 6. A medical condition that arose during a visit to your home country during the coverage period or any condition in whole or in part, directly or indirectly, related thereto. 7. If you are Canadian, any act of terrorism directly or indirectly caused by, resulting from, arising out of, or related to biological, chemical, nuclear, or radioactive means. 8. For incoming policyholders, an act of terrorism.
9. An act of war. 10. Your or a dependent’s participation in: · protests; · Activities of the armed forces; · A commercial sexual transaction; · The commission or attempted commission of any criminal offence; or · Violation of any law or legal regulation in the area where the loss occurred. 11. Any illness, injury or medical condition, for which a diagnosis is not required, where the policy is purchased or travel is made for the purpose of obtaining medical advice or treatment.
12. Loss, death or injury, if at the time of the loss, death or injury, the evidence supports that you were affected or the medical condition causing the loss was in any way contributed by: the use of alcohol, drugs prohibited or any other intoxicant; · Failure to comply with a prescribed treatment or medical therapy; · The use of medications or drugs that have not been approved by the corresponding government authority; or · The misuse of medications.
13. Any treatment, investigation or hospitalization that is a continuation of an emergency, except as specified in the Non-Emergency Treatment (Follow-up Visits benefit). 14. Any treatment, investigation or hospitalization that exceeds 30 days after the initial day the outpatient treatment began, unless approved in advance by the Assistance Center.
15. Travel against the advice of a physician or any loss resulting from an illness or medical condition that was diagnosed by a physician as terminal prior to the effective date of this policy. 16. Injury resulting from training for or participation in: · motorized speed competitions; · Stunt activities; · Professional sports activities in which you are paid for your participation, whether you win or lose; or · high-risk activities. High-risk activities include off-limits skiing or snowboarding, heli-skiing, ski jumping, skydiving, skydiving, scuba diving (except if certified by an internationally recognized and accepted program such as NAUI or PADI, or if the depth of diving makes it ) not to exceed 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.
17. Any loss incurred as a result of pregnancy, abortion, miscarriage, childbirth or complications thereof, except as specifically provided for in the maternity benefit. 18. Medical expenses incurred for an infant 14 days or younger. 19. Sickness or injury resulting from a motor vehicle accident in which you are entitled to receive benefits under any policy.

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