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产品条款库

打开一款,查看保障、限制、官方原文和对应的报价样本。

BCAA(卑诗汽车协会)

BCAA 访客紧急医疗险(单次出行)

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

原文与来源
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:2026-10-02

魁北克 Desjardins 保险

Desjardins 访客医疗险

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)

原文与来源
in the 182 days preceding your coverage start date.
查看官方文件 ↗核对:2026-10-03

Destination 旅游保险集团

Destination 加拿大访客险

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

原文与来源
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:2026-10-02

GMS(Group Medical Services)

GMS 访客及新移民医疗险

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。

原文与来源
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

宏利 CoverMe 访客险增强版

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。

原文与来源
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

宏利 CoverMe 访客险标准版

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。

原文与来源
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)

安联综合年度多次旅行险(每次出境最多 15 天,医疗+取消+中断+延误+行李)

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

原文与来源
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:2026-10-03

BCAA(卑诗汽车协会)

BCAA 出境紧急医疗险(年度多次与单次)

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

原文与来源
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:2026-10-03

Desjardins 保险(Desjardins Insurance)

Desjardins 出境旅行医疗险(年度多次为主,附单次险条款差异)

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

原文与来源
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)

宏利 CoverMe 加拿大人出境紧急医疗险(单次、多次、境内游)

A 类生效前 3 个月内不稳定的既往症除外;B、C 类 6 个月

原文与来源
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:2026-10-03

Medipac(雪鸟专营,Old Republic 承保)

Medipac 雪鸟旅行紧急医疗险(单次长住+四季年度附加;全部以美元计)

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

原文与来源
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)

太平洋蓝十字 BC 居民出境旅行医疗险(单次、年度、套餐)

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

原文与来源
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

RBC TravelCare 医疗年度多次险(65 岁及以上,金银铜三档稳定期)

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

原文与来源
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:2026-10-03

TuGo(旅途购)

TuGo 加拿大人出境紧急医疗险(年度多次与单次)

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

原文与来源
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)

太平洋蓝十字访客旅行险

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)

原文与来源
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)

魁北克蓝十字访客医疗险

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)

原文与来源
For people aged 54 and under, during the 3 months preceding the effective date of coverage
查看官方文件 ↗核对:2026-10-02

RBC 皇家银行保险

RBC 访客医疗险(Plan I/II/III)

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」

原文与来源
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:2026-10-03

Travelance

Travelance 访客险高级版(Premier)

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

原文与来源
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:2026-10-02

TuGo

TuGo 访客紧急医疗险(标准版)

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)

原文与来源
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