Michael, a 68-year-old retired resident of Quebec, is planning a three-week cruise to the Caribbean. While he is generally healthy, he had a minor heart attack six months ago for which he takes medication. When purchasing travel medical insurance, what is most likely to be a critical factor in determining his eligibility and premium?

Question: Michael, a 68-year-old retired resident of Quebec, is planning a three-week cruise to the Caribbean. While he is generally healthy, he had a minor heart attack six months ago for which he takes medication. When purchasing travel medical insurance, what is most likely to be a critical factor in determining his eligibility and premium?

Answer options:

• The number of times he has travelled outside Quebec in the last five years.
• His current income level and financial assets. ✅ The stability of his pre-existing heart condition and recent medical history.
• Whether his cruise includes stops in Canadian ports.

Correct answer: The stability of his pre-existing heart condition and recent medical history.

Explanation: Travel insurance policies are highly sensitive to pre-existing medical conditions, particularly their stability and recent treatment within a specified look-back period, as this directly affects the insurer's risk assessment.