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Since arriving in Canada, has the visitor seen a doctor, visited the hospital, or made (or planned to make) an insurance claim?
Is more than half of the visitor's trip outside of BC?
Is the visitor purchasing this policy before arriving in Canada?
Coverage begins immediately if the policy is purchased before the visitor arrives in Canada.

If the policy is purchased within 60 days of arrival, there is no coverage for sickness or symptoms within the first 48 hours of the policy start date.

If the policy is purchased 61 days or more after arrival, there is no coverage for sickness or symptoms within the first 7 days of the policy start date.
Has the visitor been diagnosed with a terminal condition, is currently in palliative care or has received a recommendation to enter palliative care?
This is a medical condition that, prior to the start of the visitor's trip, a physician has given them a terminal prognosis with a life expectancy of 12 months or less. For related definitions, see the policy wording at bcaa.com/wordings.

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