Visitors to Canada Insurance
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. You can choose
Plan A (no
coverage for pre-existing medical conditions) or
Plan B (with
coverage for stable pre-existing medical conditions).
This insurance policy meets all requirements for
parent and grandparent super visa when amount of
coverage purchased is $100,000 or greater and
period of coverage is
your free online quote for Manulife Visitors to Canada insurance
or Super visa Health insurance
directly from Manulife Financial: click
on the link below and you will be redirected to the
Manulife Financial secure website.
will also have an option to buy and get your instant
policy on your email directly from the
Who can apply?
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
What coverage you will get
are not eligible for coverage under Manulife
insurance policy if:
a) the date of your trip occurs during the time that you have
been advised by a physician not to travel;
b) you have been diagnosed with a terminal illness with less
than 2 years to live;
c) you have a kidney condition requiring dialysis;
d) you have used home oxygen during the 12 months prior to the
date of application;
e) you have been diagnosed with Alzheimer's disease or any other
form of dementia;
f) you are under 30 days or over 85 years of
age (over 69 years of age for $150,000 Emergency Medical
g) you reside in
a nursing home, home for the aged, other long term care facility or
h) you require assistance with activities of
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 or $150,000
pre-existing medical conditions: Choose from Plan A or Plan B
does not provide coverage for pre-existing medical conditions.
provides coverage for your pre-existing medical conditions,
which have been STABLE within 180 days before the effective date
of the insurance. The applicants 40 years of age or over must
complete the Medical Questionnaire to qualify for Plan B.
You must be under age 86
(under age 70 for $150,000 medical
coverage) on your effective date of
insurance. Min age is 30 days.
A $75 deductible applies to each claim made under this policy,
unless you chose the option of $0 deductible
(see the chart below). 5% surcharge
applies for $0 deductible.
b) Family coverage is
available under Plan A, if all family members are under age 59 and you have purchased
and paid the premium for Family
Coverage. Family Coverage covers you, your spouse
and children while travelling together and named on the confirmation.
Family coverage rates are 2x the premium rate of the
Any sickness that manifests
itself during "waiting period" is not covered.
if you apply for coverage before your arrival in Canada.
Waiting period means the 48-hour period following and
including your effective date of insurance if you purchase your policy:
after the expiry date of an existing Manulife Visitor to Canada policy; or
after you arrive in Canada.
The waiting period will
be waived if you purchase the policy prior to the expiry date of
an existing Visitors to Canada policy issued by Manulife, to
take effect on the day following such expiry date, provided
there is no increase in the coverage amount or change in the
There is No waiting period for injuries.
Traveling in Canada and worldwide.
This plan provides
coverage throughout Canada.
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
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.
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
Automatic extension of your coverage is
provided beyond the date you were scheduled
to return home as per your confirmation if:
a) your common
carrier is delayed.
Your coverage will extend your
coverage for up to 72 hours;
b) you or your
travel companion are hospitalized on
your expiry date. In this case, your
coverage will extend during
the hospitalization and
for up to 5 days after discharge from
c) you or your
travel companion have a medical
condition that does not require
hospitalization but prevents travel on
your expiry date, as confirmed by a
physician. In this case, your coverage
will be extended for up to 5
In any case, we will
not extend your coverage beyond 12
months after your effective date of
Full Refund: If
you cancel your policy at any time
before the effective date of insurance,
you can ask for a full refund.
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
refunds are available
for Trip Interruption Insurance after the effective date, side-trips or
Emergency Medical Benefits
Emergency medical attention
Medical care received from
a physician in or out of a hospital,
the cost of a hospital room;
the services of a licensed private duty
nurse while you are in hospital;
the rental or purchase
of a hospital bed;
drugs that are
prescribed and available only by prescription from a
physician or dentist.
Follow-up visits are covered until
the attending physician or the company's medical
advisors declare the end of the medical emergency.)
Services of licensed chiropractor, osteopath,
chiropodist, physiotherapist or podiatrist, up to $500
per profession provided such treatment is for an
emergency, prescribed by a physician and approved in
advance by our Assistance Centre.
Local licensed ground ambulance
service to transport you to the nearest appropriate
medical service provider in an emergency
Emergency dental treatment
up to $300
for the relief of dental pain; or
if you suffer from an accidental
blow to the mouth, up to $4,000 to repair or replace
your natural or permanently attached artificial teeth.
following benefits MUST be authorized and arranged by
the Assistance Centre
Expenses related to death
up to $3,000 to have your body
prepared where you die and the cost of the container,
plus the return home of your body or
up to $3,000 to have your body
prepared and the cost of a standard burial container,
plus up to $3,000 for your burial where you die; or
up to $3,000 to cremate your body
where you die, plus the return home of your ashes.
Emergency medical return home
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
Additional expenses for meals and hotel
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.
Visit to bedside if traveling alone
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 3 days or more because of
a medical emergency
If you are
admitted to hospital,
up to $100 per day to a maximum of $300 per trip
to pay for the expenses for an attendant to
provide childcare services when such service is required.
Return of Children
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.
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
Exclusions and limitations. Visitors to Canada
medical insurance does not cover everything.
This insurance has exclusions, conditions and
NO coverage for any medical condition, diagnosed or undiagnosed,
which existed or for which you sought or received medical advice,
consultation or investigation, or for which treatment was required or
recommended by a physician, within the 180 days prior to the effective date.
NO coverage for a pre-existing condition that is NOT
stable in the 180 days before the effective date of insurance.
Stable medical condition means that all of the following apply:
there have not been any new symptoms; and
existing symptoms have not become more frequent or severe; and
a physician has not found that the medical condition has become worse; and
no test findings have shown that the medical condition may be getting worse; and
a physician has not provided, prescribed, or recommended
any new medication, or any
change in medication; and
a physician has not provided, prescribed, or recommended
any investigative testing, new treatment, or any change in
there has been no hospitalization or referral to a specialist
or specialty clinic; and
a physician has not advised referral to a specialty clinic or a
specialist for further testing, and there has been no testing
for which the results have not yet been received.
For both plans - No
- 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.
This policy does not cover expenses for a pre-existing condition for which
you were hospitalized either more than
once, or for at least 2 consecutive
days, in the 12-month period before your
effective date of insurance.
Change in medication means the medication dosage,
frequency, or type has been reduced, increased, or stopped,
and/or new medication has been prescribed.
The following is
not considered a change in medication:
a change from a brand-name drug to an equivalent generic drug of the same dosage;
a routine adjustment in the dosage of your medication,
as a result of your blood levels only, if you are taking Coumadin (warfarin)
or insulin and are required to have your blood
levels tested on a regular basis, and your medical condition remains unchanged.
Some Other Exclusions
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.
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
symptoms that would have caused an
ordinarily prudent person to seek
treatment in the 3 months before leaving
that had caused
your physician to advise you not to
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
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
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
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
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
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.
Included with no additional cost.
an accidental bodily injury causes the
insured to die, to become completely and
permanently blind in both eyes or to
have two limbs fully severed above the
wrist or ankle joints, within 365 days
of the accident, Manulife Financial will
If an accidental bodily injury causes the insured to
become completely and permanently blind in one eye or have one
limb fully severed above a wrist or ankle joint, within 365 days
of the accident, Manulife Financial will pay $25,000.
Exclusions, conditions, and limitations apply.
Refer the policy wording for details
Trip Interruption (optional benefit)
If your trip is
interrupted due to a covered event that
occurs under this insurance, Manulife
will pay up to a maximum of $1,500 for
single coverage, or $5,000 for family
prepaid portion of your trip that is
non-refundable and non-transferable to
another travel date, except prepaid
unused transportation home ; or
additional and unplanned hotel and meal
expenses, your essential phone calls and
taxi fares to a maximum of up to $300 per
day for up to 2 days when no earlier
transportation arrangements are available; and/or
one-way economy class airfare via the
most cost-effective itinerary to return
Events covered you
after you arrive in Canada from home include:
condition or death of the insured (or the insured's travel
condition or death of the insured's (or the insured's travel
companion's) immediate family
hospitalization or the death of the insured's host during the
and limitations apply. See the policy for details.
Note: The product-related
information is for illustration purpose only. Please
Policy Wording for details on the coverage provided,
conditions, exclusions and claim procedure.
you have questions, or need help
to complete the application, or want to buy insurance over the
phone, please call at 416-493-0101
click here to ask
your question online.
to do if you get sick or injured.
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 (section
Please note) and the
(pg. 1). 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
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