Better Business Bureau

GMS Travel Insurance: Eligibility Questions

You qualify for a GMS Canadian travel insurance plan if ALL insured persons answer "No" to the following questions:

  1. You will be 80 years of age or older on the effective date when purchasing a multi Trip plan (does not apply to Single Trip);
  2. You have an Implantable Cardioverter Defibrillator (ICD);
  3. You have ever been diagnosed with congestive heart failure (CHF);
  4. You are awaiting further tests or treatment for heart disease which includes but is not limited to angina, irregular heartbeat, heart attack, ischemic heart disease, valvular heart disease, and/or myocardiopathy;
  5. You require insulin to treat diabetes and also take prescription medication for heart disease (see question 4 above for heart disease description);
  6. You have been diagnosed with metastatic cancer;
  7. You have cancer (except breast or prostate cancer treated exclusively with hormonal therapy or basal cell carcinoma) which requires chemotherapy, radiotherapy or other medical treatment other than routine follow-up;
  8. You have any vascular aneurism that remains surgically untreated;
  9. You have undiagnosed episodes of fainting or falling (syncope);
  10. You take oral steroids for a lung condition;
  11. You are 70 years of age or older and require assistance from another person(s) with activities of daily living (ADL) which include, but are not limited to, personal hygiene and grooming; dressing and undressing; self-feeding; functional transfers (getting into and out of bed or a wheelchair, getting onto or off of the toilet, etc.); bowel and bladder management; and/or medication management.
  12. Have any medical condition necessitating the use of home oxygen;
  13. Within 12 months prior to applying you have been diagnosed with any of the following conditions or you have any of the following conditions which have not been stable for 12 months prior to applying:
    1. Acquired Immune Deficiency Syndrome (AIDS);
    2. Terminal illness (an advanced stage of a progressive disease with an unfavourable prognosis and no known cure);
    3. Atrial flutter;
    4. Atrial/ventricular fibrillation;
    5. Peripheral vascular disease;
    6. Stroke/transient ischemic attack (TIA);?
    7. Gastrointestinal bleeding; and/or;
    8. Kidney/liver failure; or
  14. Within 12 months of applying have you undergone any of the following procedures;
    1. Kidney dialysis;
    2. Valve surgery or replacement; and/or
    3. Organ, stem cell and/or bone marrow transplant;
  15. You are not a Canadian resident with valid provincial health coverage for the entire duration of your trip ;
  16. You are purchasing after your departure or outside of province of residence, unless purchased as a top up to an existing GMS policy; or
  17. Your total trip length exceeds the total number of days allowable under your government health plan. NOTE: for most provinces you lose your provincial healthcare coverage if gone for more than 6 months out of the year. Ontario is an exception where you may be temporarily outside of Canada for a total of 212 days in any 12 month period. Please make sure you contact your provincial government before leaving on an extended holiday.

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