Students Insurance
BENEFITS:
Emergency Medical maximum benefit: $2,000,000
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- Hospital expenses — Covers semi-private room costs or intensive care unit when medically necessary, emergency department and outpatient treatment, up to 60 days of inpatient treatment per injury or sickness, and up to 30 days of emergency psychiatric hospitalization.
- Physician services — Covers medical care from a physician in or out of hospital, including up to 5 follow-up visits.
- Diagnostic tests — Covers tests requested by a physician as the result of an emergency. Pre-approval is required for major diagnostic testing.
- Private duty nursing — Up to $10,000 for a licensed registered nurse when medically necessary.
- Ambulance transportation — Up to $5,000 for licensed ground or air ambulance to the nearest appropriate medical facility.
- Prescription drugs — Up to a 30-day supply of prescription medications prescribed by a physician or dentist.
- Paramedical services — Up to $70 per visit (max $700) for visits to a chiropractor, osteopath, physiotherapist, chiropodist, or podiatrist.
- Psychiatric care — Up to $5,000 for inpatient psychiatric care, plus up to 5 follow-up outpatient visits after discharge.
- Trauma counselling — Up to 6 sessions within 90 days of a covered emergency.
- Medical appliances* — Covers the lesser cost to rent or purchase a wheelchair, hospital bed, brace, crutches, and other medical appliances.
- Emergency and accidental dental — Up to $100 for pain relief, $250 per tooth for impacted wisdom tooth extraction, and up to $2,500 to repair or replace teeth damaged by an accidental blow to the mouth within 30 days of the accident.
- Expenses to return home in a medical emergency* — Up to $100,000 for economy airfare, a stretcher fare if medically necessary, a medical attendant’s airfare if required, or a full air ambulance if needed.
- Family transportation* — If hospitalized for 7+ consecutive days or in the event of death, covers return economy airfare (up to $3,000) and up to $150/day (max $1,500) for hotel, meals, and essentials for one immediate family member travelling from more than 500 km away.
- Expenses related to your death* — Up to $25,000 to return your remains home or cover local burial costs, including a standard casket or urn. Does not cover grave markers, flowers, or ceremony expenses.
- Tuition reimbursement — Up to $5,000 per semester if a covered emergency prevents you from attending school and results in failing grades.
- Pet care — Up to $50/day (max $150) for licensed boarding of your pet if you are hospitalized during your trip.
- Trip break* — You may return home for up to 21 days to attend a special event without losing your coverage. No premiums are refunded for days spent at home, and pre-approval is required.
- Acts of Terrorism – up to 2 acts of terrorism per calendar year ($35 million aggregate limit for all active Manulife policies).
- Quarantine expenses – up to $500 for a one-way fare home, up to $2,800 per person or $5,600 per family for accommodations and meals (max 14 days) if a medical professional requires you to quarantine outside your province/territory after departure. NOTE: Government-mandated quarantine in Canada is not covered.
- Medical concierge services by StandbyMD™ – 24/7/365 access to teleconsultation (phone, chat, or video) with a qualified physician who can assess symptoms and provide treatment options for eligible cases. The service includes access to a global network of physicians offering house calls, as well as nearby clinics and emergency rooms in 141 countries and over 4,500 cities. StandbyMD assesses your symptoms, profile, and location to connect you with the most appropriate level of care. Its worldwide network offers preferred rates and direct billing options to help minimize out-of-pocket expenses (subject to policy terms and conditions). Additional support includes coordination of replacement prescription medications and certain medical supplies when travelling within Canada and the U.S. To access this service, contact the Assistance Centre.
* These benefits must be approved and/or arranged in advance by the Assistance Centre.
WELLNESS BENEFITS:
- Annual medical exam — Up to $100 per year for a physician exam, associated tests, and one consultation session.
- Eye exam — Covers one eye exam per year with a registered optometrist.
- Accidental death & dismemberment — Up to $10,000.
ELIGIBILITY:
You are not eligible for this insurance if any of the following apply to you:
- Have been advised by a physician not to travel
- Have been diagnosed with a terminal illness with less than 2 years to live
- Have a kidney condition that requires dialysis
- Used home oxygen during the 12 months before you applied for this insurance.
You can buy this insurance if you, and anyone you want to insure, meet all the following requirements:
- Named in the confirmation
- Are at least 30 days of age and under age 45
- Live in Canada
- Are a full-time student with proof of admission or a student completing post-doctoral research in a recognized learning institution, or the named spouse and/or child of and living with the student
- Are covered under a government health insurance plan (GHIP) for the entire duration of time you are living outside of Canada
Important: It is your responsibility to make sure you have continued GHIP coverage from your home province or territory.
NOTE: Your coverage ends 60 days after your full-time enrollment ends (except if in the US on a valid F1 visa).
PRE-EXISTING CONDITIONS: Manulife will not pay any expenses or benefits relating to a pre-existing condition which has not remained STABLE in the three (3) months before your effective date.
Stable — a medical condition when all of the following statements are true:
- There has not been any new treatment prescribed or recommended, or change to existing treatment (including a stoppage in treatment), and
- There has not been any change in medication, or any recommendation or starting of a new prescription drug, and
- The medical condition has not become worse, and
- There have not been any new, more frequent, or more severe symptoms, and
- There has been no hospitalization or referral to a specialist, and
- There have not been any tests, investigation or treatment recommended, but not yet complete, nor any outstanding test results, and
- There is no planned or pending treatment.
All these conditions must be met for a medical condition to be considered stable.
Treatment — hospitalization, a procedure prescribed, performed, or recommended by a physician for a medical condition. This includes but is not limited to prescribed medication, investigative testing, and surgery.
Important: Any reference to testing, tests, test results, or investigations excludes genetic tests. “Genetic test” means a test that analyzes DNA, RNA, or chromosomes for purposes such as the prediction of disease or vertical transmission risks, or monitoring, diagnosis, or prognosis.
Change in medication means — when the medication type, dosage, or frequency is reduced, increased, stopped, and/or new medications are prescribed.
Exceptions:
- Regular blood tests that result in routine adjustments of Coumadin, warfarin, or insulin as long as these medications are not newly prescribed or stopped; or,
- Changing from a brand name medication to the same dose of a generic medication.
WAITING PERIOD applies if you purchase this insurance after you arrive at your destination.
Waiting period — the 48-hour period following your effective date of insurance if you purchase this policy:
- After the expiry date of your existing Manulife policy; or
- After you leave home.
Any claim due to sickness arising during a waiting period is not covered.
EXTENSIONS:
You may be able to extend your coverage before you leave home or during your period of coverage as long as it has not expired.
Call us at 1-877-838-0020 or use our Contact us page.
The total period of coverage must not exceed 365 days.
Additionally, to extend your coverage:
- You must meet all eligibility requirements.
- You must pay the additional premium.
- There must not be any change in your health status.
- There must not be any change between single coverage and family coverage.
NOTE: For policy extensions – Manulife does not pay claims for any medical condition that first appeared, was diagnosed, or required treatment after your departure date and before the effective date of the insurance extension.
Automatic extensions:
Your coverage is automatically extended beyond your scheduled return date in the following situations:
- If your common carrier is delayed, we will extend your coverage for up to 72 hours.
- If you have an emergency that prevents travel but does not require hospitalization, we will extend your coverage for up to 5 days.
- If you are hospitalized on your return date, we will extend coverage during hospitalization and for up to 5 days after hospital discharge.
REFUNDS:
10-day free look period – You have 10 days from the date you purchase the insurance to review this policy and make sure it meets your needs. You may terminate the insurance and receive a premium refund if:
- You have not departed on your trip; and
- No claims are in progress.
You may cancel your policy at any time before your effective date.
You may also request a premium refund for your unused days when:
- You return home early and have not started a claim or had any cause for a claim; and
- All travelers insured under the same policy return home together.
CLAIMS:
IN THE EVENT OF AN EMERGENCY, YOU MUST CALL THE ASSISTANCE CENTRE IMMEDIATELY: 1-877-331-3134 toll free from Canada or the U.S., or +1-519-251-7401 collect call from anywhere else. If you do not contact the Assistance Centre before receiving medical treatment, you will have to pay 25% of the medical expenses Manulife would normally pay under this insurance. If it is medically impossible for you to call, we ask that you call as soon as you can or that someone calls on your behalf. Do not assume that someone will contact the Assistance Centre for you. It is your responsibility to verify that this has been done.
Immediate access to the Assistance Centre is also available through its TravelAid mobile app. To download the app, visit: //Active-Care.ca/TravelAid.
Your claim must be reported within 30 days and sent to Manulife within 90 days of your loss.
The Assistance Centre will furnish forms for proof of claim within 15 days after receiving notice of claim. You may call the Claims Centre directly for specific information on how to make a claim or to enquire about your claim status at: 1-877-331-3230 or 1-519-251-7402.
Please, mail all original receipt, bills, invoices (make your own copy), proof of travel (including departure and return dates) and proof of enrolment in a recognized institute of learning to:
Manulife Financial Travel Insurance for Students
c/o Active Care Management
P.O. Box 1237 STN A
Windsor, ON, N9A 6P8
For Online Claim Submission visit manulife.acmtravel.ca
EXCLUSIONS:
Manulife does not pay for claims or benefits that relate directly or indirectly to any of the expenses or services in this section.
- Pre-existing conditions – We do not pay any expenses related to a pre-existing condition that was not stable in the 3 months before your effective date.
This exclusion applies to you, your spouse, and your children. - Any medical condition related to a birth defect if the insured child is under age 2.
- Chemotherapy treatment unless it is approved by the Assistance Centre.
- Any expenses if you do not have valid coverage under a GHIP.
- Covered expenses that exceed 75% of the cost we would normally have to pay under this insurance, if you do not contact the Assistance Centre at the time of the emergency, unless your medical condition makes it medically impossible for you to call (in that case, the 25% co-insurance does not apply).
- Any injury you sustain or your death when enlisted in the regular force of the armed forces of any country or when participating in any training exercises of the armed forces of any country.
- Any treatment that is not for an emergency.
Exception: Wellness benefits - Dental, cosmetic, or plastic surgery, unless the surgery is an emergency and necessary as a result of an injury that occurs while this policy is in force.
- The continued treatment of a medical condition or related condition, following emergency treatment during your period of coverage, if our medical advisors determine that your emergency has ended.
- Elective, non-emergency, or experimental medical treatment, including maintenance treatment for a chronic medical condition such as medication refills, usual tests or exams, and treatment not required for the immediate relief of pain and suffering.
Exception: Wellness benefits - Further medical treatment if our medical advisors determine that you should return home for treatment, and you choose not to.
- Any of the following medications:
- Non-prescription medication
- Fertility drugs, testing, and drugs for treatment of erectile dysfunction
- Contraceptives and pregnancy tests
- Vitamin preparations or medication received on a preventative basis
- Acne medication
- Dietary supplements or weight loss products
- Replacement prescriptions, including prescriptions that were lost, required renewal, or had inadequate supply
- Vaccinations and injections
- Baldness remedies
- Nicotine resin products
- Any medical services for an injury that occurred or sickness that started during a Trip break.
- Pregnancy, pregnancy termination/abortion, childbirth, or complications that arise from any of these conditions or procedures.
Newborn babies become fully covered at 30 days of age if you pay the premium for family coverage, complete an application, submit it to us, and we approve it in writing. - Any dental crowns or root canals except as specified in the Emergency and accidental dental treatment benefit.
- Any medical condition:
- Including symptoms of withdrawal, arising from, or in any way related to, your chronic use of alcohol, drugs, or other intoxicants whether prior to or during your period of coverage
- Arising during your period of coverage from, or in any way related to, the abuse of alcohol, drugs, or other intoxicants
- Your self-inflicted injuries, unless medical evidence establishes that the injuries are related to a mental health illness.
- Your minor mental or emotional disorder.
- An eating disorder or weight problem.
- An emergency resulting from an accident that happens when you participate in any of the following activities:
- A sporting activity you are paid for, including snorkeling and scuba diving
- Any form of BASE jumping, such as wingsuit flying
- Hang gliding
- Rock climbing
- Parachuting/skydiving
- Mountain climbing, including ascending or descending a mountain using specialized equipment such as crampons, pickaxes, anchors, bolts, carabiners, and lead or top-rope anchoring equipment
- Competitions, speed events, or other high-risk activities using motor vehicles on land, water, or in the air and training activities for these events on approved tracks or elsewhere
- Piloting or learning to pilot an aircraft, acting as a member of an aircraft crew, travelling as a passenger on a non-commercial flight, or operating any form of motorized transportation on land or water without a valid operator’s license.
- Any services or supplies you receive from a member of your immediate family.
- Any medical condition or symptoms when any of the following apply:
- Before you leave home or before the effective date of coverage, you know, or it is reasonable to expect that treatment will be required during your trip.
- Treatment or investigation is planned before you leave home.
- You have symptoms that would cause an ordinarily prudent person to seek treatment for in the 3 months before your trip.
- The medical condition is the result of you not following treatment as prescribed to you, including prescribed medication.
- The medical condition or symptoms cause your physician to advise you not to travel.
- The purpose of your trip was to obtain a diagnosis, treatment, surgery, investigation, palliative care, or any alternative therapy, whether or not it was authorized by a physician, as well as any directly or indirectly related complication.
- If a benefit requires pre-approval or pre-arrangement from the Assistance Centre, we do not pay claims when:
- You do not contact the Assistance Centre.
- The Assistance Centre does not authorize or arrange the services for the benefit.
- Covered expenses that are more than the reasonable and customary charges where the medical emergency happens.
- Any medical exams or tests, or any type or manner of consultations with a physician for immigration purposes or by a third party.
- Any claims for repairing or replacing any of the following:
- Hearing devices
- Eyeglasses, contact lenses, or sunglasses
- Prosthetic limbs or devices
- Artificial teeth
- Any associated prescriptions
- Any claim that results from or is related to your commission or attempted commission of a criminal offence or illegal act.
- Dialysis or organ transplants.
- Rehabilitation and convalescent facilities and services, and holidays for recuperative purposes.
- Any interest, finance, administrative, or overdue payment charges.
- Any act of terrorism or any medical condition you suffer or contract when an official travel advisory was issued by the Canadian government stating to Avoid non-essential travel or to Avoid all travel regarding the country, region, or city of your destination, before you left Canada. To read the travel advisories, visit the Government of Canada Travel site.
Note: This exclusion does not apply to claims for an emergency or a medical condition unrelated to the travel advisory. - Any act of terrorism caused by biological, chemical, nuclear, or radioactive means.
- Any act of war.
- For policy extensions only – We do not pay claims for any medical condition that first appeared, was diagnosed, or required treatment after your departure date and before the effective date of the insurance extension
- Any claims for a sickness that begins during the waiting period.
- For quarantine, the following also apply:
- We do not pay any benefits for quarantine or self-isolation in Canada as mandated by any government.
- We will not provide coverage for any pre-paid, unused travel arrangements.
- We will not cover any expenses you incur when you are denied entry to a country or region included in your trip when, before your departure date, there was a foreign government and/or regional travel guideline restricting entry of Canadian residents or guidelines that require self-isolation or quarantine for a specific period of time during your trip.
RATES:
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Medical and Hospital |
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Days: |
0-365 days |
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Age: |
$3.73 per day |
– Family Rate (Age 0-44) is $7.46 per day.
FAMILY COVERAGE is available when all insured under one policy meet the following requirements:
- Named in your confirmation
- Under age 45
- Travel together
- You meet all eligibility requirements when you purchase the family coverage option
- You pay the family rate
The following people qualify under family coverage:
- You
- Your spouse
- Your child at least 30 days of age.
Child, children — your unmarried, dependent son or daughter or grandchild(ren) who lives with you and travels with you:
- Under age 21
- Any age with a mental or physical disability
Note: To be eligible for benefits, the child must be at least 30 days of age.
IMPORTANT NOTE: The product-related information on this website is for illustration purposes only. For complete benefits, terms, conditions, limitations and exclusions, please see the policy booklet at the download section below. Please read and understand your policy before you travel.
DOWNLOADS:
- Manulife Outbound Students Insurance POLICY PDF
- Manulife Students Insurance Application Form – DocuSign (fillable)
Manulife Financial and the block design are registered service marks and trademarks of The Manufacturers Life Insurance Company and are used by it and its affiliates, including Manulife Financial Corporation.
Manulife supports THiA Bill of Rights. For more information, go to www.thiaonline.com/Travel_Insurance_Bill_of_Rights_and_Responsibilities.html
