you are traveling against the advice of a physician;
you have been diagnosed with a terminal illness with less than two (2) years to live;
you have been diagnosed with or received treatment within the last two (2) years for pancreatic, lung, brain, or liver cancer; or any type of cancer that has spread from one part or organ of the body to another (metastatic cancer);
you have had or are waiting for an organ or bone marrow transplant (excluding corneal transplant);
you have a kidney condition requiring dialysis; My travel insurance you have used home oxygen during the 12 months prior to the date of application;
you reside in a nursing home, other long term care facility or rehabilitation centre; and/or
You are age 86 or older (unless buying the Basic Plan)
Partial premium refund - In case of change of plans provided there is no claim already processed
if our medical advisor and your physician recommends then we will pay for one or more of the following:
air ambulance
if our medical advisor and your physician recommends then we will pay for one or more of the following:
air ambulance
cost effective economy class fare for return to your home country
return air fare for medical attendant if necessary
stretcher fare on a commercial flight if necessary
(conditions apply *)
if our medical advisor and your physician recommends then we will pay for one or more of the following:
air ambulance
cost effective economy class fare for return to your home country
return air fare for medical attendant if necessary
stretcher fare on a commercial flight if necessary
(conditions apply *)