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What coverage you will get
Emergency Medical Insurance for one trip (single trip plans) and many trips (multi-trip annual plans)
To be eligible for Emergency Medical coverage, you must, as of the date you apply for coverage and the effective date:
• be a resident of Canada and covered under a government health insurance plan for the entire duration of your trip;
• be at least thirty (30) days of age;
• not have been advised by a physician to avoid travel at this time;
• not have a terminal illness for which a physician has estimated you have less than six (6) months to live;
• not have metastatic cancer (cancer that has spread from the original site to another place in your body);
• not require kidney dialysis;
• not have been prescribed or used home oxygen in the last twelve (12) months; and
• never have had bone marrow, stem cell or organ transplant (except corneal transplant).
Single-Trip Plans provide Worldwide coverage. You can also buy Canada Emergency Medical Plan, which provides emergency medical benefits at half the premium when all travel is within Canada only (outside your province of residence).
Multi-Trip Annual Plans
If you take two or more trips each year, you can purchase a Multi-trip annual plan for an unlimited number of trips taken during 365 days. Coverage for each separate trip commences and becomes effective immediately upon your departure from Canada (or your province of residence) and ends when you return to Canada (or your province of residence).
Each trip taken outside Canada can be up to the maximum days you selected when you purchased your Multi-trip plan. Select coverage for 4, 10, 18, 30 or 60 days per trip outside of Canada. If you need extra coverage days, you can purchase Top-Up coverage for trips that are longer than the maximum trip length of your Multi-Trip plan.
This plan provides emergency medical coverage for unlimited travel within Canada but outside your province of residence.
All-Inclusive plans (multi-trip and single-trip), Trip Cancellation & Trip Interruption for single trips, so you can make the choice that's best for you.
Manulife All-Inclusive plans include Emergency Medical, Trip Cancellation & Trip Interruption, Baggage Loss, Damage and Delay, and Flight and Travel Accident.
Age means your age on the application date. No maximum age limit.
Savings and Deductibles
50% Travel Canada
When purchasing a Single-Trip Emergency Medical and all the travel is within Canada.
Family Coverage for Any Emergency Medical Plan: Available for spouse and dependent children or grandchildren when all family members are under age 60. The rate is calculated at:
- 1.5 X the premium for one parent/grandparent travelling with children/grandchildren;
- 2 X the premium rate for two parents/grandparents travelling with dependent children/grandchildren;
- 3 X the premium for three generations of parents/grandparents with dependent children/grandchildren.
Deductible Savings Options
All published rates include a zero deductible. The following deductible options are available for Single-Trip and Multi-Trip Emergency Medical plans only:
Deductible savings options are not applicable to the Travel Canada plan and All-Inclusive plans.
Full refund: You may cancel your Emergency Medical policy prior to your policy effective date (your effective date if you have purchased a Multi-Trip Emergency Medical plan).
Partial refund (Single trip Emergency Medical policy): If you return home early, you may request a refund of premium (minimum $25) for the unused coverage days of your trip providing there has been or will be no claim reported or initiated, that you have not been provided with any assistance services. You will have to send to the company your written request with proof of the date you actually returned home.
Refunds and cancellations are not available on the Trip Cancellation & Interruption, All-Inclusive and Multi-Trip plans.
If you are already on your trip, and need to apply for an extension of your coverage, call the insurance broker or Manulife before the expiry date of your existing coverage. You may be able to extend your coverage, as long as:
• the total length of your trip, including the extension, does not exceed the maximum allowed by your government health insurance plan (180-212 days depending on your province of residence);
• you pay the additional premium (minimum $25);
• there has been no event that has resulted or may result in a claim against the policy; and
• there has been no change in your health status.
Automatic Extensions to Coverage
Emergency medical coverage is provided beyond your policy expiry date at no additional premium :
• For 72 hours days in the event your common carrier or vehicle is delayed;
• If you or your travel companion are hospitalized on the expiry date, for the remaining period of your hospital confinement (up to a maximum of 365 days) plus 5 days after discharge from the hospital; or,
• For 5 days if you or your travel companion are unable to travel on your scheduled return date but you are not hospitalized.
EMERGENCY MEDICAL BENEFITS
This insurance includes the following Emergency Medical Benefits
Medical Concierge Services
Medical Concierge Services provided by StandbyMD.
StandbyMD has an international network of medical providers and partners who provide services across time zones and who assure a quick and streamlined access to healthcare 24/7/365 all over the world.
StandbyMD allows you to access multiple levels of personalized care ranging from:
• Teleconsultations for eligible cases (telephone/chat/video conference access to a qualified physician who can assess your symptoms and provide treatment options)
• A network of visiting physicians (In 141 countries and over 4,500 cities)
• In-network clinics close to the patient
• In-network ERs located close to the patient only if necessary.
In addition, when you travel to the United States, StandbyMD offers the following services:
• Same-day co-ordination and delivery of lost/forgotten prescription maintenance medication, eyeglasses or contact lenses and medical supplies.
To access this service, simply call the Assistance Centre using the phone numbers indicated on the wallet card.
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.
Pre-Existing Medical Condition Exclusion
If your age at the time of application is less than 60 years, the pre-existing condition clause for category A is applied to you (3-month stability period).
If your age is 60 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, B, C (stability period for rate category A is 3 months and 6 months for rates categories B,C).
For Travel Canada Emergency Medical Plan, no pre-existing condition exclusion applies. The applicants must still complete the medical questionnaire, if applicable, to determine their Rate Category to calculate premium.
Please click on Pre-Existing Condition for the details on this coverage.
Some Other Exclusions
● Any emergency when, prior to the purchase date, you had not met all of the eligibility requirements or truthfully and accurately answered all the questions in the medical questionnaire (if applicable).
● Covered expenses that exceed 80% of the cost we would normally have to pay under this insurance if you or someone on your behalf does not contact the Assistance Centre at the time of the emergency.
● Any non-emergency, investigative or elective treatment such as cosmetic surgery, chronic care, rehabilitation, or any directly or indirectly related complications.
● The continued treatment of a medical condition when you have already received emergency treatment for that condition during your trip and your medical emergency has ended.
● A medical condition for which future investigation or treatment was planned before you left home. A medical condition that had caused your physician to advise you not to travel
● An emergency resulting from: hang-gliding, rock-climbing, mountaineering, parachuting or skydiving; participating in a motorized speed contest; or your professional participation in a sport, snorkeling or scuba-diving when that sport, snorkeling or scuba-diving, is your principal paid occupation.
● Not following recommended or prescribed therapy or treatment.
● A mental or emotional disorder (other than acute psychosis) that does not require admission to a hospital.
● Your routine pre-natal care; your pregnancy or childbirth or complications thereof when they happen in the nine (9) weeks before or after the expected date of delivery; your child born during your trip.
● For insured children under two (2) years of age, any medical condition related to a birth defect.
Any benefit that must be authorized or arranged in advance by the Assistance Centre when it has given no authorization or made no arrangement for that benefit.
● Any emergency that occurs or recurs after our medical advisors recommend that you return home following your emergency treatment, and you choose not to.
● For policy extensions or Top-Ups: any medical condition which first appeared, was diagnosed or treated after the scheduled departure date and prior to the effective date of the insurance extension or Top-Up.
● Any change in your health status or medical condition that occurred or that started or any medical condition that did not remain stable during your Trip Break.
● Any act of terrorism or any medical condition you suffer or contract when an official travel advisory issued by the Canadian government states, "Avoid all non-essential travel" or "Avoid all travel" regarding the country, region or city of your destination, before your effective date. This exclusion does not apply to claims for an emergency or a medical condition unrelated to the travel advisory.
Please refer to the Policy Wording for a full list of exclusions and limitations.
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:
Please refer for the All-Inclusive Plan Policy Wording for details.
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. Under Trip Cancellation & Interruption insurance, coverage will include travel within your province of residence.
Please refer for the Trip Cancellation & Interruption Policy Wording for details.
NOTE: The product-related information is for illustration purpose only. Please refer to the Policy wording for details on the coverage provided, conditions, exclusions, limitations and claim procedure.
Revised: September 06, 2020