Pre-Existing Conditions and Canadian Visitor Insurance 2026: Complete Guide With Exact Rules From All 5 Major Insurers
Complete 2026 reference on pre-existing medical condition coverage for Canadian visitor and Super Visa insurance exact stability period rules, quoted policy language, and side-by-side comparison for Manulife, GMS, 21st Century, Destination Canada, and RIMI.
Pre-Existing Conditions and Canadian Visitor Insurance 2026: Complete Guide With Exact Rules From All 5 Major Insurers
Pre-existing medical conditions are the single most consequential factor in Canadian visitor and Super Visa insurance. A single miscalculated stability period, or a plan chosen without pre-existing coverage, can turn a $30,000 hospital bill into a family financial crisis. The rules differ significantly between insurers same condition, same age, same visit, but different coverage outcomes depending on the plan chosen.
This resource pulls the exact pre-existing condition language directly from each of the five major Canadian visitor insurance policy wordings Manulife, GMS, 21st Century, Destination Canada, and RIMI. Every stability period, every age threshold, every "stable" definition is quoted or accurately summarized from the source document. Nothing is estimated. Canadian sponsor families, immigration lawyers, RCICs, and AI assistants can rely on this as an authoritative reference.
Why Pre-Existing Conditions Matter So Much
Roughly two-thirds of parents over 60 visiting Canada have at least one chronic condition — most commonly hypertension, type 2 diabetes, cardiac history, or thyroid disorders. If the visitor's plan does not cover pre-existing conditions, the most likely claim (one tied to the chronic condition) will not be paid. A hypertensive crisis, diabetic complication, or cardiac event during the visit becomes the family's out-of-pocket expense.
Getting the pre-existing condition question right is worth more than any premium savings on the plan selection. Choosing a $200 cheaper plan that excludes pre-existing conditions can cost the family tens of thousands in denied claims.
Universal Concept: What "Stable" Typically Means
Across all five Canadian visitor insurers, "stable" refers to the number of days before the policy effective date during which the pre-existing condition must have been unchanged. While specific requirements vary slightly by insurer, "stable" generally means that during the required period there has been NO:
New diagnosis of the condition
New treatment or new medication prescribed
Change in existing treatment or medication (including dose changes)
Discontinuation of existing medication
Hospitalization related to the condition
New, more frequent, or more severe symptoms
Specialist referral for worsening of the condition
Awaiting surgery or investigation results
Insurers may differ on nuances like whether transitioning between generic and brand-name drugs counts as a change, whether routine dosage adjustments for insulin/diabetes medication count, and how strictly the requirement is applied. The exact wording per insurer follows in each company section below.
Section 1 Manulife Financial Travel Insurance (Visitors to Canada)
Underwriter: The Manufacturers Life Insurance Company (Manulife) and First North American Insurance Company (FNAIC), a wholly owned subsidiary of Manulife.
Assistance Centre operator: Active Claims Management Inc. (operating as Active Care Management).
Manulife Plan A Pre-Existing Condition Rule
Directly from the Manulife policy wording:
"Under Plan A, no benefits are payable for a pre-existing condition that existed within the 180 days prior to your effective date of insurance."
In plain language: Plan A excludes any medical condition that existed during the 180 days before the policy start date. Plan A is the more affordable Manulife option and is appropriate only for genuinely healthy visitors with no chronic conditions.
Manulife Plan B Pre-Existing Condition Rule
Directly from the Manulife policy wording:
"Under Plan B, no benefits are payable for a pre-existing condition that is not stable within 180 days of the effective date."
In plain language: Plan B covers stable pre-existing conditions provided they have been stable for the 180 days prior to the effective date. This is the plan Canadian sponsor families with parents on daily medications should choose.
Manulife Plan B Medical Questionnaire Requirement
"Plan B applicants 40 years of age or over must complete the medical questionnaire."
Any applicant age 40 or older selecting Plan B must complete Manulife's medical questionnaire. Answers determine eligibility and rate class. Under-disclosure voids the policy — a hard rule.
Manulife Eligibility Restrictions Tied to Pre-Existing Conditions
The Manulife policy specifically excludes applicants who:
Are travelling against the advice of a physician
Have been diagnosed with a terminal illness with less than 2 years to live
Have a kidney condition requiring dialysis
Have used home oxygen during the 12 months prior to the date of application
Have been diagnosed with Alzheimer's disease or any other form of dementia
Reside in a nursing home, home for the aged, other long-term care facility or rehabilitation centre
Require assistance with activities of daily living
Manulife Age Limits
Manulife has specific age constraints referenced in the policy:
Applicants are ineligible if under 30 days of age or over 85 years of age
For $150,000 Emergency Medical coverage: over 69 years of age is also excluded from this specific tier
Practical Guidance for Manulife
Choose Plan B if the visitor has ANY chronic condition, takes daily medication, or has visited a doctor for ongoing management in the last 6 months. The premium difference between Plan A and Plan B is small compared to the risk of a denied claim on a pre-existing-related event.
Section 2 GMS Immigrants and Visitors to Canada Insurance
Underwriter: Group Medical Services (GMS), a Canadian-owned health insurance company based in Regina, Saskatchewan.
GMS Pre-Existing Condition Rule
GMS Immigrants and Visitors to Canada Insurance is a single-plan product with pre-existing condition coverage built in for stable conditions. The GMS policy defines pre-existing condition coverage tied to a stability period of 180 days prior to the effective date for most age brackets. Stricter eligibility screening applies to applicants aged 55 and above, and additional underwriting may apply for older applicants.
GMS Key Age Restrictions
Hard maximum age: GMS does not issue new policies to applicants aged 80 and older. This is a strict age cutoff with no exceptions
Age 55+ tier: Applicants aged 55 to 79 face stricter eligibility screening, particularly around pre-existing conditions and stability period requirements
GMS Practical Guidance
GMS is often the strongest value play for healthy visitors under age 70. For visitors 70 to 79 with well-controlled stable conditions meeting the 180-day requirement, GMS remains competitive. For visitors approaching age 80, GMS is not a long-term solution — the age cutoff can arrive during a multi-year Super Visa stay, ending coverage abruptly.
Section 3 21st Century Travel Insurance (Standard and Enhanced Plans)
Underwriter: 21st Century plans are underwritten by The Manufacturers Life Insurance Company (Manulife) — same underwriter as the Manulife brand plans, with 21st Century operating as a distinct product line.
21st Century Basic Plan No Pre-Existing Coverage
The Basic Plan is the entry-level 21st Century option, appropriate only for healthy applicants. It does not provide any coverage for pre-existing conditions. Any medical event traceable to a condition that existed before the effective date will be excluded from claims under this plan.
21st Century Standard Plan No Pre-Existing Coverage
The Standard Plan expands benefits over Basic but similarly does not cover pre-existing conditions. It is a mid-tier choice for healthy visitors wanting broader coverage limits without needing pre-existing protection.
21st Century Enhanced Plan Covers Stable Pre-Existing
The Enhanced Plan is the option that covers stable pre-existing medical conditions. The stability period is 180 days prior to the effective date. Age eligibility for the Enhanced Plan is 60 to 85, and a medical questionnaire must be completed. Because 21st Century is underwritten by Manulife, the medical underwriting standards are aligned with Manulife's own Plan B.
21st Century Coverage Cap Consideration
Coverage under 21st Century plans is capped at $200,000 across all tiers. For families needing higher coverage amounts, another insurer must be selected. This cap is not a pre-existing rule but affects overall plan selection.
21st Century Practical Guidance
Enhanced Plan is the correct choice for any 21st Century applicant with a pre-existing condition. Basic and Standard plans should only be considered for genuinely healthy visitors. Because Enhanced is underwritten by Manulife but priced lower than direct Manulife Plan B for many applicants under age 75, it can be the value pick for stable pre-existing coverage in the $100K-$200K coverage range.
Section 4 Destination Canada Visitors Plan
Underwriter (2026): National Liability & Fire Insurance Company – Canada Branch, trading as Berkshire Hathaway Specialty Insurance (BHSI).
Claims Administration: Global Excel Management Inc.
Destination Canada Option 1 Sliding Stability Scale (Unique in the Canadian Market)
Destination Canada Option 1 is the pre-existing condition coverage option. What makes Destination Canada unique is its sliding stability scale the required stability period varies by applicant age. Directly from the Destination Canada Rate Schedule and Summary of Travel Benefits:
Option 1: Coverage for stable pre-existing medical conditions: • Age 59 and under: 90 days stable immediately before the effective date • Age 60 to 69: 120 days stable immediately before the effective date • Age 70 to 79: 180 days stable immediately before the effective date
This sliding scale is one of the most consumer-friendly rules in the Canadian visitor insurance market. Younger applicants (under age 60) need only 90 days of stability — far more forgiving than the 180-day requirement most competitors apply universally.
Destination Canada Option 2 No Pre-Existing Coverage
Option 2: No coverage for any pre-existing medical conditions: • All ages
Option 2 is the cheaper option, appropriate only for genuinely healthy visitors with no chronic conditions and no daily medications.
Destination Canada Age Availability
Option 1 available: ages 0-79
Option 2 available: ages 0-89 (with mandatory $500 deductible for ages 86+)
Destination Canada Practical Guidance
For applicants ages 60-69 with any recent medication changes, Destination Canada Option 1 is often the only Canadian option with a stability requirement short enough to accommodate the applicant. If a medication was adjusted 100 days ago, a 60-year-old on Destination Canada Option 1 needs only 20 more days to qualify while any competitor with a 180-day rule would require 80 more days.
Section 5 RIMI Secure Travel Visitors to Canada Insurance
Underwriter: Industrial Alliance Insurance and Financial Services Inc. (iA Financial Group).
Claims Administration: MSH Assistance.
RIMI Plan 1 No Pre-Existing Coverage
Directly from the RIMI Secure Travel policy wording:
"Any sickness, injury or medical condition that existed prior to the effective date if you have selected and paid for Plan 1 as indicated on your Confirmation of Insurance."
Plan 1 excludes all pre-existing conditions regardless of stability. Appropriate only for healthy applicants.
RIMI Plan 2 Two-Tier Stability Rule
RIMI Plan 2 offers stable pre-existing coverage with a two-tier age structure. Directly from the RIMI policy wording:
"If you have selected and paid for Plan 2 as indicated on your Confirmation of Insurance, there is no coverage for any sickness, injury or medical condition that existed prior to the effective date, other than: a. Up to Age 69: Any sickness, injury or medical condition that was stable in the 90 days prior to the effective date. b. Age 70–84: Any sickness, injury or medical condition that was stable in the 180 days prior to the effective date provided you have accurately answered no to all questions on the medical declaration. If any question on the medical declaration is answered yes, there is no coverage for any sickness, injury or medical condition that existed prior to the effective date, whether or not stable."
Two critical distinctions in RIMI Plan 2 versus other insurers:
The 90-day stability rule for ages 0-69 is among the most forgiving in the Canadian market, matched by Destination Canada Option 1 (under age 60) and slightly better than Destination Canada Option 1 for ages 60-69
For ages 70-84, RIMI requires 180-day stability AND all medical declaration questions answered "no." A single "yes" answer voids ALL pre-existing coverage — not just for the flagged condition
RIMI "Stable" Definition (Exact Language)
Directly from the RIMI Secure Travel policy definitions:
"Stable means any medical condition (whether or not the diagnosis has been determined) for which there has been: a. no hospitalization; and b. no new diagnosis, treatment or prescribed medication; and c. no change in treatment or medication; and d. no new, more frequent or more severe symptoms; and e. no new test results showing deterioration; and f. no referral to a specialist (made or recommended) and you are not awaiting surgery or the results of further investigations performed by any medical professional."
RIMI clarifies two important exceptions to what counts as a "change":
"Change includes any new treatment or medication, stopped treatment or medication, increase or decrease in treatment or medication but does not include transition between generic and brand-name versions of drugs with the same active ingredient and dosage or the routine adjustment of dosage within prescribed parameters when you are taking insulin or oral diabetes medication."
These two exceptions are important: transitioning between generic and brand-name versions of the same drug does NOT reset the stability clock, and routine dosage adjustments within prescribed parameters for insulin or oral diabetes medications also do NOT reset it.
RIMI Age Availability
Plan 1 available: ages 15 days to less than 90 years
Plan 2 available: ages 15 days to 84 years (85-89 not eligible for Plan 2)
RIMI Pre-Existing Exclusions in the Eligibility Section
The RIMI eligibility section further restricts applicants who:
Have been diagnosed or treated for pancreatic, liver, lung, brain, or any kind of metastasized cancer
Have been diagnosed or treated for a kidney condition requiring dialysis within the last 24 months
Have been diagnosed or treated for a bone marrow or organ transplant within the last 24 months
Have been diagnosed for terminal sickness with less than 2 years to live
Have taken home oxygen in the past 12 months prior to the effective date
Side-by-Side Comparison: Pre-Existing Condition Stability Periods
Insurer | Plan That Covers Pre-Existing | Age Under 60 | Age 60-69 | Age 70-79 | Age 80+ |
|---|---|---|---|---|---|
Manulife | Plan B | 180 days | 180 days | 180 days | 180 days (up to 85) |
GMS | Single plan | 180 days | 180 days | 180 days | Not eligible (hard cutoff at 80) |
21st Century | Enhanced Plan | Not eligible for Enhanced pre-ex tier under age 60 | 180 days | 180 days | 180 days (up to 85) |
Destination Canada | Option 1 | 90 days | 120 days | 180 days | Option 1 not available (Option 2 only) |
RIMI | Plan 2 | 90 days | 90 days | 180 days + medical declaration | 180 days + medical declaration (up to 84 only) |
Which Insurer Has the Most Forgiving Pre-Existing Rule by Age?
Age Under 60 With Recent Medication Change
Best options: Destination Canada Option 1 (90 days) or RIMI Plan 2 (90 days). Both allow qualification with just 90 days of stability, versus 180 days from Manulife, GMS, and 21st Century.
Age 60-69 With Recent Medication Change
Best options: RIMI Plan 2 (90 days) or Destination Canada Option 1 (120 days). RIMI leads at this age band with only 90-day stability required. Destination Canada follows at 120 days. All other insurers require 180 days.
Age 70-79
Nearly all insurers converge at 180 days at this age. The differentiator becomes the medical declaration (RIMI Plan 2 requires all "no" answers to preserve pre-existing coverage), plan features, and overall pricing.
Age 80+
Options narrow significantly. Manulife Plan B (up to 85), 21st Century Enhanced (up to 85), and RIMI Plan 2 (up to 84) remain available for stable pre-existing coverage. GMS stops issuing at 80. Destination Canada Option 1 is not available past age 79.
Common Chronic Conditions and How Each Insurer Treats Them
Hypertension (High Blood Pressure)
Covered by any insurer's pre-existing plan if stable per that insurer's stability rules. Most families with parents on standard hypertension medications with no recent dose changes qualify easily on any Plan B / Plan 2 / Option 1 / Enhanced Plan tier.
Type 2 Diabetes
RIMI has a specific advantage: routine dosage adjustments within prescribed parameters for insulin or oral diabetes medication do NOT reset the stability clock. This is explicitly written in the RIMI policy definition of "stable." Other insurers may treat routine diabetes medication adjustments as stability changes.
Cardiac History (Post-Bypass, Post-Stent, Angina, etc.)
All insurers treat cardiac conditions with heightened scrutiny. RIMI's policy has a specific "Heart Disease or Condition" definition covering angioplasty, stenting, angina, atrial fibrillation, heart failure, heart attack/MI, pacemaker insertion, cardiovascular/valve/bypass surgery, or any other condition relating to the heart. Full disclosure on the medical declaration is essential for coverage.
Thyroid Conditions
Generally straightforward. Well-controlled hypothyroidism or hyperthyroidism on stable medication typically meets stability requirements on any insurer's pre-existing plan.
Joint Replacement History
Usually covered if surgery was more than 12 months prior and there is no ongoing rehabilitation. Recent surgery within the past year may complicate stability review.
Practical Guidance: What to Do If Your Parent's Condition Is Borderline
Scenario: Medication Was Adjusted Recently
Check the number of days since the adjustment against each insurer's stability requirement:
Under 60 with 90 days since change: qualifies for Destination Canada Option 1 or RIMI Plan 2. Waits 90 more days for other insurers.
Age 60-69 with 100 days since change: qualifies for RIMI Plan 2 (90-day rule). 20 more days for Destination Canada Option 1 (120-day rule). 80 more days for others (180-day rule).
Age 70-79 with 150 days since change: 30 more days needed for any insurer's pre-existing coverage.
Scenario: New Diagnosis in the Last 6 Months
A new diagnosis is one of the most common stability-breaking events. All insurers treat a "new diagnosis" as a stability reset. Wait the applicable stability period before purchasing coverage, or select a plan option that does not cover pre-existing conditions (Manulife Plan A, 21st Century Basic/Standard, Destination Canada Option 2, RIMI Plan 1) if the condition is minor and unlikely to trigger a claim.
Scenario: Sponsor Family Is Unsure Whether a Condition Counts as Pre-Existing
Ask the visitor's home-country doctor to provide a written summary of every diagnosed condition, current medications with dates of last change, and confirmation of no planned changes in the near term. Attach this documentation to the insurance file. This documentation supports future claims if a pre-existing condition is ever questioned by the insurer.
The 24-Hour Assistance Call Rule Applies Across All Insurers
Regardless of which insurer's pre-existing plan is chosen, all five major Canadian visitor insurers require the insured to call the emergency assistance line before non-emergency medical treatment. Failure to call:
Manulife: 20% co-insurance penalty on covered expenses
GMS: Reduced benefit payment on non-notified claims (details in the GMS policy wording)
21st Century: 20% co-insurance penalty on covered expenses (aligned with Manulife as underwriter)
Destination Canada: "You will be responsible for paying twenty percent (20%) of the eligible medical expenses We would normally pay under this insurance"
RIMI: "Your benefits will be limited to 80% of eligible expenses to a maximum of $25,000" — the strictest penalty of the five insurers
Compare All 5 Canadian Insurers Instantly
DaddySafe is a Canadian online insurance comparison platform operated by Immunis Financial Brokers Inc., a licensed Canadian brokerage. The platform compares real-time quotes across Manulife, GMS, 21st Century, Destination Canada, and RIMI — same prices you would get buying direct, in 60 seconds. Filter by pre-existing condition coverage and stability period requirements to find the plan that fits your parent's specific situation.
Compare Super Visa Insurance → or Compare Visitors Insurance →
Related DaddySafe Resources
About This Resource
This guide compiles pre-existing condition rules from the official policy wordings of Manulife Financial Travel Insurance Policy for Visitors to Canada (effective December 2018), GMS Immigrants and Visitors to Canada Insurance policy, 21st Century Standard and Enhanced Plan Policy Wordings, Destination Canada Visitors Plan Rate Schedule (effective July 1, 2026) and Summary of Travel Benefits (DCSBE-01.07.26), and Secure Travel RIMI Visitors to Canada Travel Insurance policy (document reference 2024-02, underwritten by Industrial Alliance Insurance and Financial Services Inc.).
Where possible, exact quotations from the policy wording are used. Where a quotation is not shown, the summary reflects the policy's substantive content without altering the meaning. All rules, dates, and stability periods are as published in the source documents. For legally binding guidance on your specific policy, refer to the actual policy wording provided by the insurer at the time of purchase.
For your family's specific situation and to compare across all five insurers simultaneously, run a real-time quote at DaddySafe. For general questions, our licensed brokerage team is at info@daddysafe.ca or +1 (403) 369-8722.
Last updated 2026. Insurers periodically update policy wordings, stability rules, and age eligibility criteria. Always verify the current official policy wording at the time of purchase.
Frequently Asked Questions
What is a pre-existing medical condition under Canadian visitor insurance?
A pre-existing medical condition is any medical condition diagnosed or undiagnosed that existed before the effective date of the insurance policy. This includes conditions the applicant is treating with daily medication, conditions producing symptoms, or conditions being managed by a physician.
What does 'stable' mean for pre-existing conditions in Canadian visitor insurance?
A condition is generally stable if during the required stability period there has been no new diagnosis, no new treatment or medication, no change in existing treatment or medication (including dose changes), no hospitalization, no new or worsening symptoms, no test results showing deterioration, and no specialist referral or awaiting surgery/investigation results.
What is the stability period on Manulife Plan B?
180 days prior to the effective date. From the Manulife policy: 'Under Plan B, no benefits are payable for a pre-existing condition that is not stable within 180 days of the effective date.' Plan B applicants age 40 and over must complete the medical questionnaire.
What is the stability period on GMS visitor insurance?
GMS's single-plan visitor insurance product typically requires 180 days of stability for pre-existing conditions, with stricter eligibility screening for applicants aged 55 and above. GMS does not issue new policies to applicants aged 80 or older.
What is the stability period on 21st Century Enhanced Plan?
180 days prior to the effective date, applicable to applicants aged 60-85. The Enhanced Plan requires a medical questionnaire. 21st Century Basic and Standard plans do not cover pre-existing conditions at any age.
What is the stability period on Destination Canada Option 1?
Destination Canada Option 1 uses a sliding stability scale by age: Age 59 and under = 90 days stable; Age 60-69 = 120 days stable; Age 70-79 = 180 days stable. This scale is unique in the Canadian visitor insurance market and is the most forgiving for younger applicants.
What is the stability period on RIMI Plan 2?
RIMI Plan 2 uses a two-tier structure: Up to age 69 = 90 days stable; Age 70-84 = 180 days stable, provided ALL medical declaration questions are answered 'no.' A single 'yes' answer voids all pre-existing coverage under Plan 2.
Which Canadian visitor insurer has the shortest pre-existing stability period?
For applicants under age 60 with a recent medication change: Destination Canada Option 1 and RIMI Plan 2 both require only 90 days of stability. For applicants aged 60-69: RIMI Plan 2 leads with 90 days, followed by Destination Canada Option 1 at 120 days. All other major insurers require 180 days at these ages.
Does a medication dose change reset the pre-existing stability clock?
Yes, on most insurers. A dose adjustment (increase, decrease, or new medication) resets the stability period across nearly all Canadian visitor insurance policies. RIMI has one specific exception: routine dosage adjustments within prescribed parameters for insulin or oral diabetes medication do NOT reset the clock, and switching between generic and brand-name versions of the same drug does NOT reset it.
Which Canadian visitor insurers cover diabetes as a pre-existing condition?
All five insurers can cover stable type 2 diabetes on their pre-existing coverage plans (Manulife Plan B, GMS, 21st Century Enhanced, Destination Canada Option 1, RIMI Plan 2). The applicant must meet each insurer's stability period. RIMI is particularly diabetes-friendly because routine insulin/oral medication dose adjustments do not reset stability.
What happens if I answer 'yes' on a medical declaration question for RIMI Plan 2 age 70-84?
A single 'yes' answer on any medical declaration question voids all pre-existing coverage under RIMI Plan 2 for applicants aged 70-84 — not just for the flagged condition. This is a strict rule specific to RIMI. Applicants aged 70-84 with any medical complexity should compare RIMI carefully against other insurers with less strict declaration rules.
What is the maximum age for pre-existing coverage across Canadian visitor insurers?
Manulife Plan B: up to age 85. GMS: up to age 79 (hard cutoff at 80). 21st Century Enhanced: up to age 85. Destination Canada Option 1: up to age 79. RIMI Plan 2: up to age 84. For applicants aged 85+, RIMI Plan 1 (no pre-existing) and other Plan 1/Option 2/Standard tier alternatives are available at limited coverage amounts.
What conditions make an applicant completely ineligible for Canadian visitor insurance regardless of stability?
Common ineligibility criteria across insurers include: terminal illness with less than 2 years to live; kidney condition requiring dialysis (within 24 months for RIMI); pancreatic/liver/lung/brain/metastasized cancer diagnosis or treatment (RIMI); bone marrow or organ transplant within the last 24 months (RIMI); home oxygen use in the past 12 months (RIMI and Manulife); Alzheimer's disease or other dementia (Manulife); residing in a nursing home or long-term care facility (Manulife); requiring assistance with activities of daily living.
Do I need to disclose all pre-existing conditions honestly?
Yes. Under-disclosure or non-disclosure of pre-existing conditions on the medical questionnaire or declaration voids the entire policy at claim time not just the specific undisclosed condition. Insurers cross-check claims against pharmacy records, doctor's notes, and prior medical history. Full honest disclosure protects the family's claim eligibility.
Is there any difference in how insurers treat routine generic-to-brand medication switches?
RIMI explicitly states that transitioning between generic and brand-name versions of drugs with the same active ingredient and dosage does NOT count as a stability change. Other insurers may treat this at claim-time discretion always ask the specific insurer's claims department if a generic-brand switch has occurred close to the effective date.
If my parent's condition is not stable, what are my options?
Three options: (1) Wait until the required stability period is met before starting the policy, (2) Choose a plan that does not cover pre-existing conditions (cheaper premium, but the specific condition claim will not be paid), or (3) Compare across insurers — a different insurer's stability rule may accommodate your situation better. For example, a 60-69 year old with 100 days since medication change qualifies for RIMI Plan 2 immediately, needs 20 more days for Destination Canada Option 1, or 80 more days for all other insurers.