Stability Period

Also known as a 'Stability Period Exclusion', or 'Stability Clause'.

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A stability period is a clause that defines how long a pre-existing medical condition must remain stable before you qualify for emergency travel medical coverage. “Stable” means no new symptoms, treatments, or medication changes during the specified period, which is typically 90 to 180 days before departure.

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This clause ensures travellers are medically stable to reduce the likelihood of claims from ongoing or worsening conditions. Insurers assess stability based on physician reports and prescription history. Any recent changes to dosage or treatment could reset the stability period and limit coverage for that condition.

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Example:

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If your travel policy requires a 90-day stability period and your blood pressure medication was adjusted 30 days before travel, related expenses may not be covered.

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What to Watch For:

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Read stability definitions carefully since each insurer sets unique rules. If uncertain, confirm eligibility in writing before traveling to avoid claim denials.