Travel Insurance
BENEFITS:
- Emergency Medical maximum benefit: $10,000,000
- Emergency Medical Treatment: medical care received from a physician in or out of a hospital; the cost of a semi-private hospital room (or an intensive care unit when medically necessary); the services of a licensed private duty nurse while you are in hospital; the rental or purchase (whichever is less) of a hospital bed, wheelchair, brace, crutch or other medical appliance; tests that are needed to diagnose or find out more about your condition; and drugs that are prescribed for you and are available only by prescription from a physician or dentist.
- Paramedical services: care received from a licensed chiropractor, osteopath, physiotherapist, chiropodist, or podiatrist, up to $70 per visit to a combined maximum of $700 for a covered medical condition.
- Ambulance transportation: local licensed ambulance service.
- Emergency medical transportation – covers expenses to transfer you to another hospital or return you home because of a medical emergency. This includes a one-way economy fare, a stretcher, or air ambulance if medically necessary and an attendant if required.*
- Emergency dental treatment: up to $300 for the relief of dental pain; and/or up to $3,000 to repair or replace your natural or permanently attached artificial teeth (up to $2,000 during your trip and up to $1,000 after your return home, to continue treatment in the ninety (90) days after the accident).
- Expenses to bring someone to your bedside: If you are travelling alone and are admitted to a hospital for 3 or more days (immediately for an insured child), this benefit covers the return airfare for someone to be with you and up to $1,000 for their hotel and meals.*
- Expenses related to death from covered medical condition: Up to $5,000 to prepare and return your body or ashes home (including standard casket or urn); or up to $10,000 to prepare and bury you at the place of death (excluding grave markers, flowers, or ceremony costs). *
Additionally, if someone must travel to identify your body, the policy covers their round-trip economy airfare, and pays up to $300 for their hotel and meal expenses.* - Expenses to return home your travel companion: If you are medically evacuated home, this covers the extra cost of a one-way economy airfare to return your travel companion, provided they are insured under a Manulife policy. *
- Expenses to return children under your care: 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 one-way economy class airfare to return the children home. *
- Child care expenses: up to $75 per day to a maximum of $500 for child care cost while you are hospitalized. *
- Expenses to return your vehicle home: reasonable and customary charges for a commercial agency to bring your vehicle home in case of a medical emergency. *
- Pet care: Up to $50 per day to a maximum of $150 for boarding fees if you are hospitalized.
- Pet Return: up to $500 for one-way transportation of your domestic dog or cat to Canada, if you are returned home.
- Baggage return: If you are medically evacuated home, this covers any extra costs to return your baggage.
- Prescription drug, hearing aids and eyeglasses: Up to $50 to replace your prescription medication and up to $200 each for lost, stolen, or broken hearing aids and eyeglasses.*
- Hospital Allowance: up to $50 per day, to a maximum of $500, for additional out-of-pocket expenses (i.e. telephone, television rental) when you are hospitalized for 48 hours or more.
- Extra expenses for meals, hotel and taxi: reimbursement of up to $350 per day to maximum of $3,500 for extra expenses for meals, if a medical emergency prevents you or your travel companion from returning home as originally planned, or if your emergency medical treatment or that of your travel companion requires your transfer to a location that is different from your original destination. *
- Trip Break: You may return home to your province of residence without terminating your coverage. If you experience any change in your health during the Trip Break, you must notify the Assistance Centre prior to leaving your province or territory of residence for confirmation of continued coverage.
- Return to Original Trip Destination – the extra cost of one-way economy-class transportation for your return to your original trip destination, when you have recovered from the emergency (if you have been returned to Canada for treatment). A subsequent recurrence or complication of the condition that resulted in you being returned home is excluded under this policy. *
- Act 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.
NOTE: All medical procedures and/or tests (including but not limited to MRI, MRCP, CAT Scan, CT Angiogram, Nuclear Stress Test, Angiogram or Cardiac Catheterization or any surgery) must be authorized by the Assistance Centre in advance.
OTHER PLANS (additional rates apply):
- All-inclusive Package – Hospital and Medical up to $10,000,000; Trip Cancellation & Interruption up to $3,500; Flight Accident up to $100,000; Travel Accident $50,000; Trip Interruption – unlimited and Baggage up to $1,000.
- Trip Cancellation & Interruption – before departure: up to $20,000 and after departure: unlimited
- Multi-Trip Plans provide coverage for unlimited number of trips taken within one (1) year, from the effective date as shown on your confirmation.
- Each trip taken can be up to the maximum days you selected when you purchased your Multi-Trip plan.
- Top-up coverage can be purchased for trips that are longer than the maximum trip length selected.
- Each trip must start on or after the effective date and end prior the expiry date shown on your confirmation of coverage.
- Top-ups – to top up your Multi-Trip plan for trips longer than the maximum number of coverage days you have, simply call us toll free at 1877-838-0020 before you leave home for the additional coverage days required.
ELIGIBILITY:
NOTE: You must purchase insurance prior to your departure date from Canada.
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 6 months to live
- Have a kidney condition that requires dialysis
- Used home oxygen during the 12 months before you applied for this insurance
- Age 60 or older and do not meet the eligibility requirements in a medical questionnaire we ask you to complete
You can buy this insurance if you, and anyone you want to insure, meet all the following requirements:
- Are at least 30 days of age
- Live in Canada
- Are covered under a government health insurance plan (GHIP) for the entire trip duration
- Meet all eligibility requirements
PRE-EXISTING CONDITIONS:
The pre-existing condition exclusion that applies to you depends on the Rate Category you qualified for when you purchased this policy.
Rate Category A & Ages 59 and younger. Manulife will not pay any expenses relating to:
- Any pre-existing condition that was not stable in the 3 months before your effective date
- A heart condition that was not stable or that required any form of nitroglycerine to relieve angina pain in the 3 months before your effective date
- A lung condition that was not stable or that required treatment with oxygen or prednisone in the 3 months before your effective date
Rate Category B & C. Manulife will not pay any expenses relating to:
- Any pre-existing condition that was not stable in the 6 months before your effective date
- A heart condition that was not stable or that required any form of nitroglycerine to relieve angina pain in the 6 months before your effective date
- A lung condition that was not stable or that required treatment with oxygen or prednisone in the 6 months before your effective date
Pre-existing condition means a medical condition that existed before your effective date.
Stable: A medical condition is considered stable when all of the following statements are true:
- there has not been any new treatment prescribed or recommended, or change(s) 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 has 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 of the above conditions must be met for a medical condition to be considered stable.
Change in medication — 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.
NOTE: Individual underwriting is available for conditions not stable in the required period.
EXTENSIONS:
If you are already on your trip and need to apply for an extension of your coverage, before the expiry date of your existing coverage, simply call the agent or broker from whom you purchased your coverage. You may be able to extend your coverage, as long as:
- the total length of your trip outside of Canada, including the extension, does not exceed the maximum allowed by your government health insurance plan;
- you pay the additional premium; and
- There must not be any change in your health status.
- No event may have taken place that resulted in a claim or may result in a claim in the future.
Any extension is subject to approval by the Assistance Centre.
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 or your travel companion have an emergency that prevents travel but does not require hospitalization, we will extend your coverage for up to 5 days.
- If you or your travel companion are hospitalized on your return date, we will extend coverage during hospitalization and for up to 5 days after hospital discharge.
Note: If you have been advised by a medical professional to self-isolate or quarantine beyond your expiry date, Manulife will extend your coverage for the duration of your quarantine and up to 72 hours after the date your quarantine ends.
REFUNDS:
You may cancel your policy at any time before your departure 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: 1-888-881-8010 toll free from Canada or the U.S., or 519-945-8346 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 we 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.
Immediate access to the Assistance Centre is also available through its TravelAid mobile app.
To download the app, visit: https://www.active-care.ca/TravelAid/
Your claim must be sent to Manulife within 90 days of your loss.
Please, mail all original receipt, bills and invoices (make your own copy) to:
Manulife Financial Travel Insurance
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
Note: This exclusion does not apply if you paid the premium for travel within Canada only.
Please review the definitions of pre-existing condition and stable as you read this section.
Rate Category A & Ages 59 and younger
We do not pay any expenses related to:- Any pre-existing condition that was not stable in the 3 months before your effective date
- A heart condition that was not stable or that required any form of nitroglycerine to relieve angina pain in the 3 months before your effective date
- A lung condition that was not stable or that required treatment with oxygen or prednisone in the 3 months before your effective date
Rate Category B & C
We do not pay any expenses related to:- Any pre-existing condition that was not stable in the 6 months before your effective date
- A heart condition that was not stable or that required any form of nitroglycerine to relieve angina pain in the 6 months before your effective date
- A lung condition that was not stable or that required treatment with oxygen or prednisone in the 6 months before your effective date
- Any medical condition when – before your departure date – you do not meet all the eligibility requirements or you do not truthfully and accurately answer all questions in the medical questionnaire, if applicable.
- Expenses that exceed a maximum of $25,000 if you do not have valid coverage under a GHIP for the entire duration of your trip.
- Covered expenses that are more than the reasonable and customary charges where the medical emergency happens.
- 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 treatment that is not for an emergency.
- Any non-emergency, experimental or elective treatment such as cosmetic surgery, chronic care, rehabilitation including any expenses for directly or indirectly related complications.
- The continued treatment of a medical condition or related condition, following emergency treatment during your trip, if our medical advisors determine that your emergency has ended.
- 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 or symptoms cause your physician to advise you not to travel.
- Any trip made for the purpose of obtaining 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.
- For policy extensions or top-ups
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 or top-up. - 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
- 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
- Your self-inflicted injuries, unless medical evidence establishes that the injuries are related to a mental health illness.
- Any claim that results from or is related to your commission or attempted commission of a criminal offence or illegal act.
- Any medical condition that is the result of you not following treatment as prescribed to you, including prescribed medication.
- 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 trip.
- Arising during your trip from, or in any way related to, the abuse of alcohol, drugs, or other intoxicants.
- Any loss that results from your minor mental or emotional disorder.
- Your:
- Routine pre-natal or post-natal care
- Pregnancy, delivery, or complications of either, arising 9 weeks before the expected date of delivery or 9 weeks after
- Your child born during your trip.
- Any medical condition related to a birth defect if the insured child is under age 2.
- Any further medical treatment if our medical advisors determine that you should transfer to another facility or return to your home province or territory of residence for treatment, and you choose not to.
- 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
- Any act of war.
- Any act of terrorism caused by biological, chemical, nuclear, or radioactive means.
- 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 your effective date. 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. - 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 or your travel companion 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.
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 Travel Medical Single Trip Insurance policy PDF
Manulife Travel Insurance Application Form – DocuSign (fillable)
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