Manulife
Financial
Visitors to Canada Insurance
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Manulife Travel Insurance for Visitors to Canada
provides coverage for physician services, hospitalization,
prescription drugs, emergency dental care and more, in the event
of unexpected illness or injury that may occur during your trip.
Manulife offers three Visitors' to Canada Medical insurance
plans (Enhanced, Standard and Basic). Enhanced plan
includes coverage for pre-existing medical conditions that are
stable within 180 days of the policy effective date, and
accidental death & dismemberment insurance.
Super Visa Medical insurance
All insurance plans meet the requirements for
Canadian parent and grandparent
super visa when amount of coverage purchased is
$100,000 or greater and period of coverage is one year.
Get an Instant Quote ONLINE
To get
your free online quote for Manulife Visitors to Canada insurance
or Super visa Health insurance directly from Manulife Financial, please
click the link below, and you will be redirected to the Manulife
Financial secure website.
You
will also have an option to buy and get your instant policy via email directly from the insurance company (Waiting
period may apply if the policy is purchased after arrival in
Canada).
Who can apply?
a) Visitors to Canada;
b) Canadians who are not eligible for benefits under a
government health insurance plan;
c) Persons who are in Canada on a work visa
d) Parents & Grandparents who are visiting Canada on a Super
Visa
e) New immigrants who are awaiting Canadian government health
insurance plan coverage
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What coverage you will get
Emergency Medical Plans
Eligibility
You are not eligible for this insurance if any of the following apply to you:
Travelling against the advice of a physician
Have been diagnosed with a terminal illness with less than 2 years to live
Have been diagnosed with or received treatment within the
last 2 years for a pancreatic, lung, brain, or liver cancer
Have ever been diagnosed with any type of cancer that has spread
from one part or organ of the body to another (metastatic cancer)
Have had or are waiting for an organ or
bone marrow transplant (excluding corneal transplant)
Have ever been diagnosed with congestive heart failure
Have been prescribed or used home oxygen in the last 12 months
Require kidney dialysis
Reside in a nursing home or long-term care facility
Age 86 or older (for Enhanced and Standard plans)
Amount of coverage
The maximum amount payable is based on the plan you have
purchased. The amount of coverage available: $25,000, $50,000,
$100,000, $150,000, $200,000.
Age.
You must be under age 86 on the policy effective date to apply
for the Enhanced and Standard plan . No age limit for the Basic
plan. Min age is 30 days.
Savings
a) Deductibles
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Deductible
Options |
$100 |
$250 |
$500 |
$1,000 |
$5000 |
$10,000 |
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Applicable
Savings |
5% |
10% |
15% |
20% |
35% |
40% |
b) Family coverage
is available for 2 adults from the same family and their dependent children or grandchildren, if all family members are under
age 54 on the application date. Family Coverage covers family
members
while travelling together and named on the confirmation. Family
coverage rates are 2x the premium rate of the oldest
traveler.
b) Travel Companion discount
is available (5% per person).
Waiting period
Is
a period, starting from the effective date of
this policy, during which premiums are payable but claims
resulting from any sickness will be not eligible for
reimbursement. Any sickness that manifests itself during the
waiting period is not covered even if related expenses are
incurred after the waiting period.
No waiting period
if you apply for coverage before
your arrival in Canada.
A waiting period will apply if you purchase this policy after your arrival date.
a) The waiting period is 72 hours if:
you purchased this policy, or
requested a date change
after your arrival in Canada within the first 30 days after your arrival date.
b) The waiting period is 7 days if:
you purchased this policy, or
requested a date change
after your arrival in Canada
more than 30 days after your arrival date
Traveling in Canada and worldwide
This plan provides coverage throughout Canada.
Side-trips
outside Canada : this insurance
provides coverage while you are
travelling outside Canada (excluding
your country of origin), as long as your
side-trip originates and terminates in
Canada and does not exceed the lesser
of: 30 days per policy or 49% of your
total number of coverage days.
During your coverage period, if you take
a side-trip outside of Canada that is
longer than that permitted in this
policy, your Visitors to Canada coverage
will be suspended for the remainder of
your side-trip but your coverage will
not be terminated. When you return to
Canada, your coverage will resume.
Extending your trip
You must make your request
before your expiry date or the date you were scheduled to return
home as per your confirmation. If you have had no change in your
health status and have had no event that has resulted or may
result in a claim against the policy since the effective date of
insurance, the extension may be issued upon request. Otherwise,
the extension is subject to the approval of the Assistance
Centre. In order to avoid the waiting period, purchase your
extension of coverage before the expiry date of your existing
Visitors to Canada policy issued by Manulife.
Automatic extension
If you are unavoidably delayed on your scheduled return to your
country of origin, through no fault of your own, coverage will
automatically be extended beyond your expiry date: :
a) For the length of your delay to a maximum of 72 hours if your
common carrier is delayed; or
b) If you are hospitalized on
your expiry date. In this case, your coverage will be extended during the hospitalization up to a
maximum of 365 days or until you can be
discharged from the hospital and for up to 5 days after
discharge from the hospital; or you can be evacuated to your
country of origin, whichever is earlier; or
c) If you have a medical emergency that occurs within
the 5 days prior to your expiry date that does not require
hospitalization but prevents travel as confirmed by a
physician. In this case, your coverage will b extended for up to 5 days.
Refunds
Full Refund: If you cancel your
policy at any time before the effective
date of insurance, you can ask for a
full refund.
Partial refund:
a) If you obtain
Canadian government health insurance
plan coverage, or return home before the
date you were scheduled as per your
confirmation, and have not reported or
initiated a claim or been provided with
any assistance services, you may ask for
a refund of the premium for the unused
days of your trip and will need to
provide proof of the date you actually
returned home or the effective date of
your Canadian government health
insurance plan coverage.
b) If you
hold a Parent and Grandparent
Super Visa (PG-1 VISA) and are
leaving Canada permanently, you
may request a partial refund if
you provide proof of your
departure from Canada and have
not reported or initiated a
claim or been provided with any
assistance services.
Emergency
Medical Benefits
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Benefits
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Details
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Emergency medical attention
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Medical care received from a physician in or out of a
hospital,
the cost of a hospital room(semi-private room when
available or an intensive care unit when medically
necessary);
Tests that are needed to diagnose or learn more about
your condition;
Drugs that are prescribed for you and available only
by prescription from a physician;
Note: This policy does not cover cardiac
catheterization, angioplasty, and/or cardiovascular
surgery including any associated test(s) or charges,
magnetic resonance imaging (MRI), computerized axial
tomography (CAT) scans, sonograms, ultrasounds or
biopsies unless approved in advance by the Assistance
Centre. |
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Extended healthcare
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Services provided by Private duty registered nursing or
licensed home care providers and rental of a hospital
bed, wheelchair, crutches, splints, canes, slings,
trusses or braces or other prosthetic appliance up to
$5,000 approved in advance by the Assistance Centre.
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Healthcare practitioner
services
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Services of licensed acupuncturist, chiropodist,
chiropractor, osteopath, physiotherapist or podiatrist,
up to combined total $1,000 for a covered emergency
provided such treatment is prescribed by a physician.
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Local ambulance service
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The use of a licensed local
ambulance service for emergency transportation.
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Prescription medications
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Prescription medications up to $500
and not exceeding a 30-day supply when these medications
are prescribed on an outpatient basis.
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Extra expenses for
meals, hotel, phone calls, and taxi
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Up to $150 per day to a maximum of
$1,500 for your extra hotel, meals, essential calls and
taxi fares, if a medical emergency prevents you or your
travel companion from returning home as originally
planned.
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Expenses to return
children
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If you are admitted to hospital for
more than 24 hours or must return home because of an
emergency, Manulife will pay for the extra cost of the
childrens economy class airfare home and the return
economy class airfare for a qualified escort when the
airline requires it. The children must have been under
your care during your trip and covered under this
policy.
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Expenses to bring
someone to your bedside
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Up to $3,000 for the return economy
class airfare via the most cost-effective itinerary for
someone to be with you, if you are travelling alone and
are admitted to a hospital for 5 days or more because of
a medical emergency
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Expenses related to
death
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In the event of your death, up to
$7,500 for the combined cost for:
Preparing your body for cremation
Transportation (including a
standard shipping container normally used by the
airlines) to your place of burial
The cost of preparing related
legal documentation
This benefit must be authorized and
arranged by the Assistance Centre.
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Repatriation and air ambulance
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If your treating physician
recommends that you return home because of your
emergency or if the insurer's medical advisors recommend
that you return home after your emergency treatment, the
insurer will pay for one or more of the following:
the extra cost of an economy class
fare via the most cost-effective itinerary;
a stretcher fare on a commercial
flight via the most cost-effective itinerary, if a
stretcher is medically necessary;
the return economy class fare of a
qualified medical attendant via the most cost-effective
itinerary to accompany you, and the attendants
reasonable fees and expenses, if this is medically
necessary or required by the airline; or
the cost of
air ambulance transportation, if it is medically
necessary.
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Return excess baggage
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When approved in advance by the
Assistance Centre, up to $300 for the return of your
excess baggage.
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Emergency dental
(not included in the Basic plan)
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Up to $4,000 for treatment to
natural teeth and repairs to dentures or other dental
devices if such treatment is necessitated by a direct
unintended or unexpected blow to your face
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Relief of dental pain
(not included in the Basic plan)
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Up to $300 for the immediate relief
of acute dental pain not caused by a direct blow to the
face and for which you have not previously received
treatment or advice.
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Obtaining medical
records
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Obtaining hospital, medical or
healthcare practitioner records, or a medical report
from a physician or healthcare practitioner provided the
insurer requests the record or report. .
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Trip Break
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If you have requested and received
prior approval from our Assistance Centre, you may
return home without terminating your coverage. Your
coverage will be suspended but will not terminate after
you leave Canada and while you are home. Your suspension
of coverage will end and your coverage will be
reinstated when you arrive in Canada. There will be no
refund of premium for any of the days during your return
home.
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ACCIDENTAL DEATH AND
DISMEMBERMENT
(not included in the Basic plan)
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Up to $25,000 if an injury causes
you to die, to become completely and permanently blind
in both eyes, or to have 2 of your limbs fully severed
above your wrist or ankle joints, within 365 days of the
accident.
Up to $12,500, if an injury causes
you to become permanently blind in 1 eye, or to have 1
of your limbs fully severed above your wrist or ankle
joint, within 365 days of the accident.
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Pre-Existing Medical Condition Exclusion
Basic Plan
NO coverage for any pre-existing medical conditions.
Standard Plan
NO coverage for any pre-existing condition that existed
or for which medication is taken, received, prescribed,
prescribed as needed, or for which treatment was
prescribed or received in the 180 days before your
effective date.
Enhanced Plan
NO coverage for any pre-existing condition that was not
stable in the 180 days before your
effective date
Stable a
medical condition when all of the following statements
are true:
1. There has not been any new
treatment prescribed or recommended, or change to
existing treatment (including a stoppage in treatment),
and
2. There has not been any change
in medication, or any recommendation or starting of a
new prescription drug, and
3. The medical condition has not
become worse, and
4. There have not been any new,
more frequent, or more severe symptoms, and
5. There has been no
hospitalization or referral to a specialist, and
6. There have not been any
tests, investigation or treatment recommended, but not
yet complete, nor any outstanding test results, and
7. There is no planned or
pending treatment.
For All plans
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No coverage:
- for any
heart condition if you require any form of
nitroglycerine for the relief of angina pain, and/or
- for any lung condition if you required
treatment with oxygen or Prednisone for a lung condition
during the 180 days
before the policy effective date.
Change in
medication means the medication dosage, frequency, or
type has been reduced, increased, stopped, and/or new
medication(s) has/have been prescribed.
Exceptions:
The routine adjustment of Coumadin, Warfarin, or
insulin, as long as they are not newly prescribed or stopped and
there has been no change in your medical condition; and
a
change from a brand name medication to a generic brand
medication of the same dosage.
Some Other
Exclusions
Any expenses or benefits if the
information provided on the application
for insurance is not truthful and
accurate or you did not meet the
eligibility requirements under this
coverage.
Covered expenses that exceed 80% of
those we would normally pay under this
insurance, if you do not contact the
Assistance Centre within 24 hours of
hospitalization, unless your medical
condition makes it medically impossible
for you to call (in that case, the 20%
co-insurance does not apply).
Any treatment that is not for an
emergency.
Continued treatment of a medical
condition when you have already received
emergency treatment for that condition
during your trip, if medical advisors
determine that the medical emergency has
ended.
A medical condition:
when you knew,
before you left home, or before the
effective date of coverage, that you
would need or be required to seek
treatment for that medical condition
during your trip; and/or
for which future
investigation or treatment was planned
before you left home; and/or
which produced
symptoms that would have caused an
ordinarily prudent person to seek
treatment in the 3 months before leaving
home; and/or
that had caused
your physician to advise you not to
travel.
Any emergency and non-emergency
medical services for any injury that
occurred or illness that started or was
treated during any trip break that you
have taken or after the number of days
permitted for your side-trip outside of
Canada.
An emergency resulting from
hang-gliding, rock climbing,
mountaineering, parachuting or
skydiving.
Your not following a recommended or
prescribed therapy or treatment.
Any loss, injury or death related to
the misuse, abuse, overdose, or chemical
dependence on medication, drugs, alcohol
or other intoxicant, whether sane or
insane.
A mental or emotional disorder (other
than acute psychosis) that does not
require admission to a hospital.
Your routine prenatal care; your child
born during your trip; your pregnancy or
childbirth or complications thereof when
they happen in the 9 weeks before or
after the expected date of delivery.
For insured children under 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 consecutive policies with no
interruption in coverage and policy
extensions: any medical condition which
first appeared, was diagnosed or for
which you received medical treatment,
after the scheduled departure date and
prior to the effective date of the
subsequent policy or insurance
extension.
Any follow-up visits outside Canada
when the emergency occurred in Canada.
Please refer to the policy wording
for a full list of exclusions and
limitations.
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If
you have questions, or need help to complete the application, or
want to buy insurance over the phone, please call at
416-493-0101
(or
1-877-443-0101) or
click here to ask
your question online.
What to do if you
get sick or injured.
Have your policy confirmation with you at
all times. In the event of sickness or injury which may result
in claim, you or somebody else MUST CALL THE ASSISTANCE CENTRE
IMMEDIATELY at the telephone numbers shown on your policy
confirmation. When contacting the Assistance Centre, please
provide your name, your policy number, your location and the
nature of your emergency.
IN THE EVENT OF AN EMERGENCY, YOU MUST CALL
THE ASSISTANCE CENTRE IMMEDIATELY:
1 877 878-0142 from Canada
or the U.S.,
or +1 519 251-5166 collect
from anywhere else.
Call prior to receiving medical treatment:
If you do not contact the Assistance Centre within 24 hours of
hospitalization, you will have to pay 20% of the medical
expenses we would normally pay under this insurance. If it is
medically impossible for you to call when the emergency happens,
the 20% co-insurance will not apply. In this case, we ask that
you call as soon as you can or that someone call on your behalf.
To apply for benefits
under this policy, you will need to send a completed claim form
(with all original bills attached) to Manulife. Consult the
claim guideline in your
Policy Wording (pg.
10-11).
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Note: The product-related information is
for illustration purpose only. Please read the Policy Wording for
details on the coverage provided, conditions, exclusions and claim
procedure.
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