You and/or your spouse must be covered under the Government Health Insurance Plan of your province or territory of residence (such as OHIP) and have your permanent residence in Canada to enroll in one of MROO’s Annual Travel Insurance Plans.

When you and/or your spouse apply for the MROO Health Insurance Plan, this will be the only chance to enroll in MROO’s Annual Travel Insurance. When you’re accepted in the MROO Health Insurance Plan, you’re guaranteed acceptance into one of our Annual Travel Insurance Plans.

If you and your spouse are applying for the MROO Health Insurance Plan as a couple and you are adding Annual Travel Insurance, you must take couple coverage for both plans.

Here is a chart showing some of the Basic Plan benefits:

¹  Certain conditions, limitations and exclusions may apply.

* Reasonable and customary charges mean charges incurred for goods and services that are comparable to what other providers charge for similar goods and services in the same geographical area.

The Premium Plan includes all benefits under the Basic Plan. In addition to those benefits, it also includes:

If you have a pre-existing medical condition, it will be covered provided your condition has remained stable for a period of six months immediately before departure.

For high blood pressure conditions only, the stability period is three months.

Your policy will include the definition of “stable”. Refer to your policy for the complete list of benefits, exclusions and limitations.

² Pre-existing conditions are applicable to the Basic Plan. Pre-existing medical conditions may need to be stable for a certain period of time in order to be eligible for coverage under this insurance, even when no medical questionnaire is required.

Refer to your policy for information on how claims are managed.