21st Century
21st Century 访客紧急医疗险 Basic(基础款)
不适用:Basic 不保任何既往症,没有稳定期。
原文与来源
官方未写/未核到(英文摘录待补)查看官方文件 ↗核对:2026-10-02保单逐项看
打开一款,查看保障、限制、官方原文和对应的报价样本。
21st Century
不适用:Basic 不保任何既往症,没有稳定期。
官方未写/未核到(英文摘录待补)查看官方文件 ↗核对:2026-10-0221st Century
稳定期统一为生效日前 180 天,不按年龄分档(对比表:180 days stable)。
180 days stable查看官方文件 ↗核对:2026-10-0221st Century
不适用:Standard 不保既往症,没有稳定期测试;既往症的回看期为生效前 180 天(保单定义节)。
or for which treatment has been prescribed or received in the 180 days before your effective date of insurance查看官方文件 ↗核对:2026-10-25安联(Allianz Global Assistance)
保单没有稳定期条款,不适用年龄分档
whether or not diagnosed by a physician: a) for which you exhibited signs or symptoms; or查看官方文件 ↗核对:2026-10-03安联(Allianz Global Assistance)
59 岁以下 90 天;60–89 岁 180 天
b) If you are 60 to 89 years of age on the effective date: … not stable at any time during the 180 days immediately before the effective date.查看官方文件 ↗核对:2026-10-02BCAA(卑诗汽车协会)
稳定期按生效日与抵加日较晚者起算:≤59 岁 90 天;60–69 岁 180 天;70 岁起默认一概除外
Pre-existing conditions which have not remained stable within the 180 days before the effective date of the Policy or the arrival date in Canada, whichever occurs later.查看官方文件 ↗核对:2026-10-02CAA 加拿大汽车协会(Orion 旅行保险)
稳定期统一 120 天,不分年龄
not stable in the 120 days prior to your effective date.查看官方文件 ↗核对:2026-10-02魁北克 Desjardins 保险
不分年龄,统一回看保障开始日之前 182 天(并非 3 个月/6 个月分档)
in the 182 days preceding your coverage start date.查看官方文件 ↗核对:2026-10-03Destination 旅游保险集团
Option 1:投保时 59 岁及以下须稳定 90 天,60–69 岁 120 天,70–79 岁 180 天;80 岁以上条款未列
If at the time of application, You are between sixty (60) and sixty-nine (69) years of age: Any Pre-Existing Medical Condition unless it was Stable in the one hundred and twenty (120) consecutive days immediately before the Effective Date查看官方文件 ↗核对:2026-10-02GMS(Group Medical Services)
稳定期统一 180 天,不分年龄;以保单定义为准,医生意见不算数。
You must be stable based on the definition of stable in this policy, regardless of the opinion of your physician or any other person who may provide an opinion on your medical condition(s).查看官方文件 ↗核对:2026-10-02宏利
不适用:本款不保任何既往症,没有稳定期概念。
官方未写/未核到(英文摘录待补)查看官方文件 ↗核对:2026-10-02宏利
稳定期 180 天,不分年龄。心脏病 180 天内用过任何硝酸甘油、肺病用过氧气或泼尼松也排除。
A heart condition that was not stable or that required any form of nitroglycerine to relieve angina pain in the 180 days before your effective date查看官方文件 ↗核对:2026-10-02宏利
回看期 180 天,不分年龄;但判据是「180 天内存在/用药/治疗过」而不是「稳定」,长期服药控制的慢病(如高血压吃药)会被排除。
in the 180 days before your effective date查看官方文件 ↗核对:2026-10-02安联全球援助(Allianz Global Assistance)
出发(生效)前稳定期:64 岁及以下 90 天,65 岁及以上 150 天;每次出行前重新评估
If you are age 65 or older on your effective date: Pre-existing medical conditions that are stable for 150 days before the effective date qualify for coverage, up to the Sum Insured shown on your Confirmation of Coverage. REMEMBER : Your stability is assessed before each trip you take during the Cov查看官方文件 ↗核对:2026-10-03BCAA(卑诗汽车协会)
出发前稳定期:59 岁及以下 90 天,60 岁及以上 180 天(出发日往回数);境内游(Travel Within Canada)计划无稳定期要求
Applicable to Insureds 60 Years and Over (on the effective date) Pre-existing conditions including minor ailments, which have not remained stable within the 180 days before the date of departure. Pre-existing conditions that do not meet the stability requireme查看官方文件 ↗核对:2026-10-03Desjardins 保险(Desjardins Insurance)
出发前稳定期:55 岁以下 90 天,55 岁及以上 182 天,每趟行程重新算;即使问卷里申报过也照样适用。单次险另有「Stable for 3 months」加购选项,买了则 55 岁以上也按 90 天
In the 182 days right before your departure or 90 days if you’re under age 55… In the 90 days right before you made an initial payment (partial or total) for your trip… Symptoms Did you have new sympt查看官方文件 ↗核对:2026-10-03宏利 CoverMe(Manulife)
A 类生效前 3 个月内不稳定的既往症除外;B、C 类 6 个月
Rate Categories B and C. We will not pay any expenses relating to: • a pre-existing medical condition that is not stable in the six (6) months before your effective date; and/or • your heart condition if, in the six (6) months before your effective date, any h查看官方文件 ↗核对:2026-10-03Medipac(雪鸟专营,Old Republic 承保)
稳定期统一 90 天,不分年龄;此外 12 个月内的急诊与住院次数另有限制
Any Pre-Existing Condition that was not Stable and Controlled in the 90 days prior to the Effective Date of Insurance or Your Trip Start Date. This includes any reaction that results from a change in medication prescribed for such查看官方文件 ↗核对:2026-10-03太平洋蓝十字(Pacific Blue Cross)
生效前稳定期(既往症回看期):60 岁及以下 3 个月,61 岁及以上 6 个月(FAQ 原文);条款里 61–75 岁买短期套餐含取消险的仍按 3 个月,其余 61 岁以上 6 个月
we will evaluate pre-existing conditions for people 60 years and younger based on their health within the previous 3 months prior to the day their coverage begins. For people age 61 and over, we evaluate based on their health within 6 months prior. Will travel insurance cover me if I am pregnant? Tr查看官方文件 ↗核对:2026-10-03加拿大皇家银行(RBC)保险
出发前稳定期按所买档次:金档 90 天、银档 180 天、铜档 365 天(心脏、肺部病另有硝酸甘油、氧气与口服激素的特别除外);买到哪一档由申请时的问卷与报价决定,证书未写划分办法,未核到
Your medical condition or related condition (whether or not the diagnosis has been determined) if, at any time in the 180 days before you depart on your trip, your medical condition or related condition has not been stable. Anyheart heartcondition conditionhas hasnot notbeen beenstable; stable;or or查看官方文件 ↗核对:2026-10-03TuGo(旅途购)
出发前稳定期:59 岁及以下行程 35 天内只看 7 天、超过 35 天看 90 天;60 岁及以上不论行程多长看 180 天;延期后总天数超 35 天则按总天数重新套用
Over 35 days Any medical condition which is not stable on or within the 90 days before the date of departure. If you extend your trip and the total trip length (including the extension) exceeds 35 days, the stability for medical conditions is based on your total trip length. 60 years and over All Any medical condition which is not stable查看官方文件 ↗核对:2026-10-03太平洋蓝十字(BC)
0-60岁稳定期3个月,61岁及以上6个月(官网原话为月,未换算成天)
For individuals aged 0-60, a 3-month stability period is required, while those aged 61 and older must have 6 months of stability.查看官方文件 ↗核对:2026-10-02魁北克蓝十字(安省为 Ontario Blue Cross)
54岁及以下回看生效日前3个月,55-79岁回看6个月(保单原文为月,未换算天数)
For people aged 54 and under, during the 3 months preceding the effective date of coverage查看官方文件 ↗核对:2026-10-02RBC 皇家银行保险
未满 50 岁 90 天;50 到未满 71 岁 180 天,另心脏病 180 天内须稳定且每周用硝酸甘油不超过一次,肺病 180 天内不能用家用氧气或口服激素;71 岁起改成「180 天内吃过药或治疗过即不保」
if, at any time in the 90 days before you depart on your trip, your medical condition or related condition has not been stable.查看官方文件 ↗核对:2026-10-03Secure Travel(RIMI)
69 岁及以下:生效前 90 天稳定;70–84 岁:生效前 180 天稳定且健康声明全答 No;85–89 岁:条款未给保障。
a. Up to Age 69: Any sickness, injury or medical condition that was stable in the 90 days查看官方文件 ↗核对:2026-10-02Travelance
不适用:本款不设稳定期,生效前 180 天内存在的既往症一律除外
官方未写/未核到(英文摘录待补)查看官方文件 ↗核对:2026-10-02Travelance
0–69 岁稳定 180 天;70–79 岁稳定 180 天,且 180 天内存在的心脏、脑、肺疾病一律不保;80–85 岁 180 天内存在的任何既往症都不保
For ages 80 and over on the start date, any pre-existing condition or medical condition that existed during the 180 day period immediately prior to your start date.查看官方文件 ↗核对:2026-10-02TuGo
保单没有稳定期条款
Any medical condition that exists on or before the effective date of the Policy.查看官方文件 ↗核对:2026-10-03TuGo
59 岁以下 90 天、60–69 岁 120 天、70–85 岁 180 天、86 岁以上 365 天(生效日前)
70 to 85 years — Any medical condition which is not stable on or within the 180 days before the effective date of the Policy. 86 years and over — … 365 days before the effective date of the Policy.查看官方文件 ↗核对:2026-10-02