Out of Province
Travel Insurance for Canadians
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You can get a
quote and purchase this insurance contract online
directly from the insurance company
Manulife Financial: click on the link below and
follow the on-screen prompts.
Click on the
link below to protect yourself and your health before traveling.
Before
purchasing the contract please read the
Policy Wording for information on the coverage provided,
exclusions and conditions. If you need assistance, please
Contact us.
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Alberta |
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British Columbia |
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Ontario |
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Important Notice
regarding claim procedure !
Your policy
provides travel assistance. If you experience a medical
emergency, you must notify the Assistance Centre immediately.
For insurance coverage under the BounceBack Benefit and Trip
Cancellation/Interruption, you must call the Assistance Centre
within forty-eight (48) hours of the cause of claim.
Your policy
may limit benefits should you not contact the Assistance Centre.
Please refer
to the policy wording (pg 23) for the claim procedure.
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What coverage you will get
Emergency
Medical Insurance
TO BE
ELIGIBLE FOR INSURANCE UNDER THIS POLICY, you must be a resident
of Canada, and covered under a government health insurance plan
for the entire trip length.
Single-Trip Plans
provide coverage worldwide and in
Canada (out of home province).
Travel Canada Emergency Medical Plan provides emergency medical
benefits at half the premium when all travel is within Canada.
Multi-Trip
Annual Plans
Choose from 4, 10, 18 and 30 day
multi-trip plans. You’ll be covered for 12
months and can travel for an unlimited number of trips up to the
trip duration you have chosen.
Emergency Medical Benefits
This insurance
includes the following
Emergency
Medical Benefits
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Up to $5 million in emergency medical coverage:
Reasonable and customary charges for medical care
received from a physician in or out of a hospital; the
cost of a semi-private hospital room (or an intensive or
coronary care unit where medically necessary); the
services of a licensed private duty nurse while you are
in hospital', the rental or purchase (whichever is less)
of a hospital bed, wheelchair, brace, crutch or other
medical appliance; tests that are needed to diagnose or
find out more about your condition; and drugs that are
prescribed for you and are available only by
prescription from a physician or dentist.
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Coverage for professional medical services due to
covered risk, up to $300 by profession
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Ambulance transportation
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Emergency dental treatment
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Expenses related to death
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Return home, if recommended by attending physician
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Visit to bedside if traveling alone
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Return of children in the care of the insured
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Additional expenses for meals and hotel
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Return home of vehicle
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Trip break without terminating coverage
(prior approval from the Assistance Centre is required)
Exclusions and limitations.
Travel 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
Condition exclusion is
the most important exclusion in any Travel
insurance policy.
If your age at the time of application is less than 55 years,
the pre-existing condition clause for category A is applied to
you.
If your age is 55 years and over you will be asked to
answer several medical questions on the applications (see
Medical
Questionnaire )
and depending on your answers
you will qualify for
rates and pre-existing condition coverage of categories A+, A, B,
C, or D.
Plan D is a
Quick Trip Plan for trips of less an 18 days for those 55-74
years of age (no medical questionnaire, no coverage for
pre-existing conditions: see the Policy wording, plan D).
BounceBack Benefit
Available for purchase with Single-Trip plans (not applicable to
Top-Ups).
If you have purchased the BounceBack Benefit with your
Single-Trip Emergency Medical plan, Quick Trip plan or
Single-Trip All-inclusive plan and have to return home from your
trip before your scheduled return date because of the following
reasons:
• a member of your immediate family, who is not traveling with
you, is admitted to a hospital due to an emergency or dies after
you leave home,
• a natural disaster causes your principal residence to become
uninhabitable after you leave home:
the company will reimburse your actual expenses up to $2,000 for
your economy class airfare to return home from your trip
destination via the most cost-effective itinerary and, within
your period of coverage.
Expenses and
benefits are subject to the policy's maximums, exclusions and
limitations. An immediate family member pre-existing condition
exclusion applies (see
Policy
Wording , pg.19)
All-Inclusive Plans (Single-Trip and
Multi-Trip Annual)
If you make pre-paid travel arrangements, you may want to choose
the All-Inclusive plan that includes:
●
Emergency Medical :
up to $5,000,000 per policy,
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Trip Cancellation and
Interruption:
Single Trip Plans - up to the sum
insured to maximum of $3,500 per trip
Multi-Trip All-Inclusive - up to $5,000 per trip to a maximum of
$7,000 per policy
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Baggage Loss or Damage:
Up to $1,000 per trip.
Up to $3,000 per Multi-Trip All-inclusive policy.
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Baggage Delay:
Up to $500 per trip.
Up to $1,500 per Multi-Trip All-inclusive policy.
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Flight Accident.
$100,000 for
death or double dismemberment or $50,000 for single
dismemberment.
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Travel Accident.
$50,000 for death or double dismemberment or $25,000 for single
dismemberment.
Trip Cancellation&Interruption
insurance
can be purchased separately.
To be eligible
to purchase stand-alone Trip Cancellation coverage, you must be
living in Canada or traveling through Canada and purchase this
insurance within seven (7) days of booking your trip or before
any cancellation penalties are chargeable for that trip. Under
Trip Cancellation&Interruption
insurance, coverage will include travel within your province of
residence.
Please
refer to the Policy
wording
for details on the coverage
provided,
conditions, exclusions, limitations
and claim procedure.
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Alberta |
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British Columbia |
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Ontario |
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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 in the section <TOOLS> in the top left
corner of the page, please find <Get a
Quote & Apply> and click on <Out of Province Travel>
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3. Choose your
Out of Province Travel plan (single trip, multi-trip, top-up,
etc.), your province of residence and then click
the button <Continue> at the bottom of the page.
Note: If you are looking for additional coverage to your existing
travel medical plan, please choose Emergency Medical Top-up
4. Please,
enter all required information in the quotation form,
click
<Continue>.
5. If you are 55 years of age
and over, you will be
asked to fill out a Medical Questionnaire. Depending on your
answers the company will give you rate of different categories
A+, A, B, C, D (see
Rates).
Click here
to learn how pre-existing conditions are covered for different
rate categories.
6. Click <Continue>
to get your free quote.
How to buy this insurance policy
1.
If
you accept the quote, 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 policy number on the screen instantly
after your payment is approved. Click on your policy number and
Manulife
Financial Travel Insurance Confirmation will appear in the
new window.
Also, you will receive
e-mail from Manulife Financial, which contains links to your
Confirmation of coverage and the policy wording.
Please,
print out your Confirmation of coverage.
Your
Manulife
Financial Travel Insurance
Confirmation of coverage and the
Policy
wording make up your insurance contract. Have
these
documents with you while traveling. You can print
out this
Policy
wording (just click the link) or request a paper copy of the
Policy booklet sending
e-mail with your address to
natalia@tninsurance.ca
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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
Financial Customer Service at
1-800-268-3763.
In
the event of an emergency please call the Assistance Centre
immediately,
prior to receiving medical treatment. The phone numbers are
indicated in your Confirmation of
coverage and the
Policy
wording.
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