Travel medical claim: don't let the stability clause sink you
Call the emergency line before treatment, document the timeline, and know that the stability clause is the #1 denial reason.
At the time
Call the insurer's emergency assistance line before treatment where possible — many policies require it, and they can direct you to approved facilities and handle billing.
File
Itemized bills, medical records, proof of trip dates, and the claim form. Keep everything.
The #1 denial reason
The pre-existing condition wasn't "stable" during the required window (a recent medication or dosage change, new test, or symptom). If you're denied on stability, get your physician to document the actual timeline — sometimes the insurer's assumption about instability is wrong.
If denied
Request the clause and facts relied on, escalate insurer → OLHI → regulator. Given the sums (a US hospital stay can be tens of thousands), a lawyer may be worthwhile. Check your stable-by date next time with the Travel & Snowbird tool.
Need the letters?
Open the Fight-Back Kit templates →Educational only — not legal advice. Deadlines vary by province and are being confirmed with legal review; verify yours. For large or complex disputes, involve a lawyer early. Robert is a mascot, not an advisor.