Policy for Students

KEY FEATURES

Who is this insurance designed for?  

This insurance policy is designed for Full-Time Students including:

• International Students studying in Canada (inbound students)

• Canadian Students studying abroad (outbound students)

• Canadian Students studying in Canada but outside their principle province of residence (national students)

Who can apply?

To be eligible for insurance under this policy, you must be:
◊   a full-time student with proof of admission or enrolment in a recognized institute of learning; or
◊   a student completing post-doctoral research in a recognized institute of learning; or
◊   dependant (s) and/or the spouse of and living with a student covered under this insurance

If you stay in your destination between semesters, you can re-apply for coverage as long as you have proof of enrolment in the following semester.

For Canadian students studying outside province of residence.

A Canadian student must be covered under a Canadian government health insurance plan to apply.  You may be temporarily outside of Canada or your province of residence for a total of 180 - 212 days (depending on the province or territory) in any 12 month period and still maintain your provincial health care coverage as long as your primary place of residence is still in this province. If you live abroad more than 180-212 day, your provincial health insurance plan may terminate.
To confirm your continuous provincial health care coverage, you should contact your local provincial Health Care Insurance Plan office before you leave the province.

Age. You must be under the age of 55.

Family coverage  is available to you, your spouse and dependent child(ren) who are travelling with you, who are listed on your application, and who are under age 55 if you have applied and paid for family coverage.

Waiting period applies in the following situations:
a) the 48-hour period following "effective date"  of insurance if you purchase this insurance within 30 days after you begin school;
b) the 8-day period following your "effective date" of insurance if you purchase this insurance more than 30 days after you begin school.
A waiting periods applicable to all claims, if you purchased insurance after your arrival at уour destination.
The waiting period will be waived:
•  in the case of injury, or
•  if you purchased this policy prior to the expiry date of an existing policy already issued by Manulife Financial to take effect on the day following such expiry date.

To stay longer than planed. You may be able to extend your coverage as long as:
1. your period of coverage does not extend beyond 365 days;
2. you remain eligible for insurance under this plan;
3.the extension request is made prior to the expiry date of your existing policy issued by Manulife Financial; and
4. there has been no change between single or family coverage.
NOTE: For policy extensions, no losses or expenses or benefits will be paid for any illness or injury which first appeared, whether diagnosed or not, or for which treatment may or may not have been received prior to the effective date of the extension of coverage under this policy. 

Trip Break - up to twenty-one (21) consecutive days. You have to call the Assistance Centre for approval: your coverage will be suspended, but will not terminate, while you are home. There will be no refund of premium for any number of days that you have return home.

What is covered outside Canada?
 -  If your home country is Canada and you have purchased this coverage for outbound student, you are covered for emergency and Wellness Benefits while traveling outside Canada for the period of coverage shown on your confirmation..
-  If you home country is not Canada and you have purchased coverage for inbound student, you are covered for  emergency medical benefits while you travel outside Canada for periods of up to fifteen {15) consecutive days, provided your travel outside Canada does not exceed 49% of your period of coverage and as long as your travel outside of Canada originates and terminates in Canada and excludes your home or home country.

WHAT COVERAGE  WILL YOU HAVE?

Emergency and Non-Emergency Medical Benefits*

This insurance provides up to a maximum aggregate of $1 million per policy for emergency medical and non-medical coverage for covered risks.

Eligibility. You are not eligible for any coverage under this policy if your trip is booked and undertaken:
• contrary to medical advice;
• while you require kidney dialysis;
• if you have used home oxygen at any time during the twelve (12) months prior to the date of application; and/or
• you have been diagnosed with a terminal illness with less than two (2) years to live

Emergency Medical Benefits

Emergency means a sudden and unforeseen occurrence of an illness or injury that begins during the period of coverage and requires immediate medical attention.

• Hospital expenses – up to the maximum aggregate for

  • 60 days hospitalization for injury or illness

  • 30 days hospitalization for psychiatric care

  • Out-patient and emergency department services

• Physician services – plus up to 5 follow-up visits

• Diagnostic services

• Private duty nurse – up to $10,000

• Ambulance transportation – up to $5,000

• Prescription drugs – up to 30 days supply

• Paramedical services - up to $300 per profession

• Emergency dental treatment

  • accidental injury – up to $2,500

  • relief of pain – up to $100

  • per extracted wisdom tooth – up to $250

• Psychiatric care – up to $5,000

• Trauma counselling – up to 6 sessions

• Medical appliances

• Emergency evacuation – up to $100,000

• Family transportation to bedside – up to $4,500

• Repatriation of mortal remains - up to $10,000

• Tuition reimbursement – up to $5,000

• Trip break – up to 21 consecutive days without termination of coverage

* Please note: For Canadians travelling abroad, if the claim is a result of an act of terrorism, this benefit may be limited

Non-Emergency Medical Benefits (Wellness Benefits)

• Annual medical examination – up to $100

• Annual eye examination

• Maternity benefit – up to $20,000

Accidental death or dismemberment – up to $10,000

This is a summary of benefits. Please read the Policy Wording for more details on the coverage provided, conditions, exclusions and claim procedure.  

Exclusions and Limitations. Student medical insurance does not cover everything. This insurance has exclusions, conditions and limitations. Please read them and understand the policy before you buy this insurance. A Pre-Existing Medical Condition  exclusion may apply to a medical condition and/or symptoms that existed prior to your trip.  This policy will not pay any expenses or benefits relating to:
a) A pre-existing condition that was not stable in the three {3} months before your effective date.
b) Any pre-existing condition of a covered dependant that was not stable in the three (3) months before the date the
dependant became covered under this policy.

Check to see how this applies in your policy and how it relates to your departure date, date of purchase or effective date of insurance. If you need assistance, please Contact us .

Rates

Get you Quote Online - It's Simple!

►  How to get a quote

1. Click the button above <Get a quote & buy Online> and you will be redirected to the Manulife Financial secure website.

2. On the Manulife Financial website click <Student Travel Plan > in the top left corner of the page.

3. Choose your Student Travel Plan (Outbound student, Inbound Student, National Student), and click the button <Continue> at the bottom of the page.

4. Please, enter all required information in the quotation form, click <Continue>.

5. You will be asked to confirm your eligibility for this insurance,  check the box and click <Continue> if eligible.

6. Get your free quote and read how this policy covers pre-existing medical condition. 

Get you policy Online - It's Simple!

►  How to buy this insurance policy

1. If you accept the quote and pre-existing condition exclusion, click the button <Apply> at the bottom of the page.

2. Please, enter your information in the boxes of the application (don't forget to enter your e-mail address), then click the button <Continue>.

3. You will be asked to pay by credit card.

4. You will see your Manulife Financial Travel Insurance Confirmation of coverage immediately after your payment approval (just click on your name or the Policy Number you will see on the screen). Also, you will receive your  e-mail confirmation from Manulife Financial.  Please print out your Manulife Financial Travel Insurance Confirmation of coverage.

Your Manulife Financial Travel Insurance Confirmation of coverage and the Policy Booklet make up your insurance contract. Have these documents with you while traveling. You can print out this Policy Booklet (just click the link) or request a hard copy of the Policy booklet sending e-mail with your address to natalia@tninsurance.ca .

If you need help to complete the online application or you want to purchase a policy, please, call Natalia at 416-493-0101  (or 1-877-443-0101) or click here to send your question For the questions regarding your existing policy, to make changes to your coverage, change you travel dates, extend your coverage, please call Manulife  Customer Service at 1-800-268-3763. In the event of an emergency please call the Assistance Centre immediately, prior to any medical treatment. Your policy may limit benefits should you not contact the Assistance Centre. The phone numbers are shown in your Confirmation of coverage and the Policy Wording Consult the claim guideline in your Policy Wording.