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</html><description>Pre-existing Coverage For age 79 and under, Yes. If stable 120 days before effective date Waiting Period For age 85 or under, purchase anytime after arrival, 48 hours waiting period; Age 86 and over, 15 days waiting period. If you purchased this policy 183 days or more after your arrival in Canada, there is a 7 days waiting period. Deductible Age 85 and under, $0/$50 deductible; Age 86 and above, $500 per cover trip Air Flight &amp; AD&amp;D Cover Air flight accident up to sum insured Medical Questionnaire No medical questionnaire required Travel Outside of Canada Cover anywhere traveling except own country, provided more than 50%time in Canada Cancellation No charge before effective date; $25 after; net amount less than $10 will not be refund Follow up Visit Up to $3,000 Minimum Premium $25 Claim Around 4-6 weeks processing Special Features Cover Acupuncture up to$500 purchase 1 year policy; Caculate premium base on application date not effective date Extension If no claim, process online within 7 days before policy expires; if have claim, call to extend, subject to approval</description></oembed>