The Quest plan offers quality medical coverage similar to other snowbird plans. However, with the Quest plan come additional options: the Future Stability Option guarantees coverage of a pre-existing condition even if it becomes unstable between the time you purchase and the time you depart. The Guaranteed Stability Option provides similar coverage, but applies even if your conditions are unstable at the time of purchase.
| Overall Maximum Limit | $5,000,000 |
| Covered Areas | Worldwide |
| Multi-Trip Annual Plan Options | 9, 16, 30, or 60 days per trip |
| Deductible Options | No deductible, $250, $500, $1,000, $5,000, $10,000, $50,000, $100,000 (CAD) |
| Pre-Existing Medical Condition Coverage | Subject to stability period of 90-365 days prior to departure (depending on answers to medical questionnaire). Guaranteed Stability Option available for unstable medical conditions |
| Hospital Accommodation | Reasonable and customary costs (semi-private room) |
| Physician | Reasonable and customary costs |
| Ambulance | Reasonable and customary costs |
| Prescription Drugs | 30 day supply (limit does not apply when hospitalized) |
| Dental Accident | $4,000 |
| Dental Pain | $500 |
| Emergency Transportation | Air ambulance or economy airfare to the home province or territory |
| Specialists and Therapists | $500 per profession for physiotherapist, chiropractor, chiropodist, osteopath, podiatrist |
| Excluded Sports | All professional sports, SCUBA diving (unless you are certified by an internationally recognized and accepted program) |
