Any travel insurance that covers pre-existing minor infection?

[quebecnewhusband]

My Thai wife is set to arrive to Canada (Quebec) in 2 weeks. In the past month, she has dealt with a mild sinusitis and has been taking precription drugs to fight it. I'm now starting to worry that it might not be completely cured after she arrives to Canada.

Since she will apply for PR inland and won't have public health insurance before 10 months, we're currently shopping for a private travel insurance. Most insurance classify sinusitis as a pre-existing condition and won't cover it if it occured already in the last 3, 6 or 12 months. But I have found a few companies that consider it to be a minor infection and that will cover it for free. I just haven't found any of those insurance policy available in Canada so far. Anybody knows if it exists?

 

[Steevy]

You are right, in a private Canadian insurance industry it is considered as a pre-existing condition that is NOT STABLE. No unstable condition is covered by the medical emergency insurance for visitors to Canada. If she also taking the meds, they are not going to be covered either.

However, you may still get the insurance as a precaution for emergencies. She will come to Canada anyway, and if she is not covered at all for 10 months and something unfortunate happens it can get real costly to cover medical expenses up here. I'd say that you search for more option on the web.

For I know the only thing I can tell is to check THIS website to see what is available for you. I am getting some short term travel insurance with these guys. So far so good.

Good luck with your search!

 

[quebecnewhusband]

Thank you very much! That confirms what my searches have given me so far as results. But we will definitely buy an travel insurance anyway for emergencies. And let's hope that her sinusitis is over when she arrives in Canada!