1) This insurance plan is subject to a maximum benefit of $20,000 if you do not have valid government health insurance plan coverage in force for the full duration of your trip.

2) Any pre-existing condition(s) must be stable for a specific period of time before the effective date of your policy in order to be covered in the event of a claim. For insurance purposes, stable is defined as any medical condition or related condition (including any heart or lung condition) for which there have been:

3) Whenever possible, we will arrange direct billing of eligible medical expenses covered under your insurance policy, which can help reduce your stress and hassle.