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Manulife Financial

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 Canadian parent and grandparent super visa when amount of coverage purchased is $100,000 or greater and period of coverage is one year.

Get 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.

You will also have an option to buy and get your instant policy on your email directly from the insurance company.

What's on This Page

Policy Wording

Key Features

Summary of Medical Coverage

Pre-Existing Medical Condition



Optional Plan: Trip interruption  

Rates for all plans

What to do if you get sick or injured

For assistance, please call
1-877-443-0101, 416-493-0101


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


What coverage you will get

Emergency Medical Plans


You 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 coverage);
g) you reside in a nursing home, home for the aged, other long term care facility or rehabilitation centre;
h) you require assistance with activities of daily living.


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


Coverage for pre-existing medical conditions: Choose from Plan A or Plan B
Plan A does not provide coverage for pre-existing medical conditions.
Plan B 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.


Age. 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) Deductible. 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.

Deductible Options $500 $1,000 $2,500 $5,000
Applicable Savings 15% 20%  25% 35%

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 oldest traveler(see Rates ).


Waiting period

Any sickness that manifests itself during "waiting period" is not covered.

No waiting period 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 plan.
There is No waiting period for injuries.


Traveling in Canada and worldwide.

This plan provides coverage throughout Canada.

Also, 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 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 the hospital;
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 days.
In any case, we will not extend your coverage beyond 12 months after your effective date of insurance.



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. No refunds are available for Trip Interruption Insurance after the effective date, side-trips or Trip Breaks.


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;
• diagnostic tests;
• 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.)

Paramedical services

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.

Ambulance transportation

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.

The 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

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 attendant’s 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.

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

Childcare expenses

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 children’s 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.

Trip Break

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.


Exclusions and limitations. Visitors to Canada medical insurance does not cover everything. This insurance has exclusions, conditions and limitations.

Pre-Existing Medical Condition Exclusion

Plan A

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.

Plan B

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 treatment; and

• 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 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.

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

• 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.


Travel Accident
Included with no additional cost.

•  If 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 pay $50,000.

•  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 coverage for:

•  the prepaid portion of your trip that is non-refundable and non-transferable to another travel date, except prepaid unused transportation home ; or

•   your 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

•   your one-way economy class airfare via the most cost-effective itinerary to return you home.

Events covered you after you arrive in Canada from home include:

°  Medical condition or death of the insured (or the insured's travel companion)

°  Medical condition or death of the insured's (or the insured's travel companion's) immediate family

°  Emergency hospitalization or the death of the insured's host during the trip

Exclusions, conditions, and limitations apply. See the policy for details.


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.


Get a Quote & Buy Online


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 (section Please note) and the Policy Wording (pg. 1).  When contacting the Assistance Centre, please provide your name, your policy number, your location and the nature of your emergency.



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. 6).


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                                June 27, 2022