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Administrated by: The Manufactures Life Insurance Company (Manulife Financial).
Underwritten by: The Manufactures Life Insurance Company (Manulife Financial).
24 hours Assistance Center: Active Care Management

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.

BENEFITS:
• Emergency Medical maximum benefit: $10,000,000
• Emergency Medical Attention: 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), 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 appliancetests 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. 
• Professional services – Care received from a licensed chiropractor, osteopath, chiropodist, physiotherapist or podiatrist, up to $70 per visit to a combined maximum of $700 for a covered injury.
• Ambulance transportation – local ambulance service.
• Emergency dental treatment – up to $300 for the relief of dental pain; or up to $3,000 if you suffer from an accidental blow to the mouth.
• Expenses related to death from covered medical condition – up to $5,000 to prepare or cremate the body, plus up to $5,000for burial at place of death or the expenses to return your body back home. 
• Expenses to bring you (and your travel companion) home, if recommended by attending physician in case of covered emergency. 
• Extra expenses for meals, hotel and taxi - reimbursement of up to $200 per day to maximum of $2,000 for extra expenses for meals, hotel and taxi due to medical emergency.
• Expenses to bring someone to your bedside if traveling alone and admitted to a hospital for three days or more.
• Return of children under your care, if the you are admitted to hospital for more than 24 hours.
• 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 – up to $3,000 charged by a commercial agency to bring your vehicle home in case of a medical emergency.
• Pet Return - up to $500 for one-way transportation of your dog or cat, if you are returned to Canada.

ELIGIBILITY:
You must purchase insurance prior to your departure date from Canada.
 To be eligible for Emergency Medical coverage you must
as of the date you apply for coverage and the effective date:
      • be a resident of Canada and covered under a government health insurance plan for the entire duration of your trip;
      • be at least thirty (30) days of age;
      • not have been advised by a physician to avoid travel at this time;
      • not have a terminal illness for which a physician has estimated you have less than six (6) months to live;
      • not have metastatic cancer (cancer that has spread from the original site to another place in your body);
      • not require kidney dialysis;
      • not have been prescribed or used home oxygen in the last twelve (12) months; and
      • never have had bone marrow, stem cell or organ transplant (except corneal transplant).
 

 EXCLUSIONS: Your coverage is subject to various exclusions, which are completely set out in the Exclusions section of the policy document. The following, although not an exhaustive list, are some of these exclusions:

DEDUCTIBLES: 
The published rates for all Emergency Medical Plans include a $0 deductible. The following deductible options and discounts are available: 15% discount for $500 USD deductible, 20% for $1,000 USD deductible, 35% for $5,000 USD deductible and 50% for $10,000 USD deductible

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 Categorie A. Manulife will not pay any expenses relating to:
 • a pre-existing condition that is not stable in the three (3) months before your effective date; and/or,
 • your heart condition if, in the three (3) months before your effective date, it has not been stable or you have taken any form of nitroglycerine for the relief of angina pain; and/or,
 • your lung condition if, in the three (3) months before your effective date, it has not been stable or you required treatment with oxygen or Prednisone for your lung condition.

Rate Category B. Manulife will not pay any expenses relating to:
 • a pre-existing condition that is not stable in the six (6) months before your effective date; and/or,
 • your heart condition if, in the six (6) months before your effective date, it has not been stable or you have taken any form of nitroglycerine for the relief of angina pain; and/or,
 • your lung condition if, in the six (6) months before your effective date, it has not been stable or you required treatment with oxygen or Prednisone for your lung condition.

Rate Category C. Manulife will not pay any expenses relating to:
 • a pre-existing condition that is not stable in the twelve (12) months before your effective date; and/or,
 • your heart condition if, in the twelve (12) months before your effective date, it has not been stable or you have taken any form of nitroglycerine for the relief of angina pain; and/or,
 • your lung condition if, in the twelve (12) months before your effective date, it has not been stable or you required treatment with oxygen or Prednisone for your lung condition.

Stable medical condition means that all of the following apply: 
- There have been no new symptoms, existing symptoms have not become more frequent or more severe;
- A physician has not determined that the condition has become worse;
- A physician (or other medical professional) has not prescribed or recommended a change in medication taken or medical care received for that condition;
- A physician (or other medical professional) has not prescribed or recommended a change in how often the medication is taken or medical care is received for that condition;
- It has not required admission to a hospital and/or you are not awaiting results of further investigation for that medical condition.

Change in medication means the medication dosage or frequency 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

PREGNANCY EXCLUSION - Your routine pre-natal care; Pregnancy or childbirth, complications of your pregnancy or childbirth when they happen in the 9 weeks before or after the expected date of delivery. 

OTHER EXCLUSIONS:
The continued treatment of a medical condition when you have already received emergency treatment for that condition during your trip and our medical advisors determine that your medical emergency has ended.
- An emergency resulting from mountain climbing requiring the use of specialized equipment, including carabineers, crampons, pick axes, anchors, bolts and lead-rope or top-rope anchoring equipment to ascend or descend a mountain; rock-climbing; parachuting, skydiving, hang-gliding or using any other air-supported sporting device; participating in a motorized speed contest; or your professional participation in a sport, snorkeling or scuba-diving when that sport, snorkeling or scuba-diving, is your principal paid occupation.
- Medication, drug or alcohol abuse.
- A mental or emotional disorder (other than acute psychosis) that does not require admission to a hospital.
- 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.
- Suicide; attempted suicide; or an intentional self-inflicted injury whether sane or insane.
- Committing or attempting to commit a criminal act.
- An act of war or act of terrorism. Limited coverage applies with respect to an act of terrorism.
- Any loss resulting from an act of war or an act of terrorism when, before your effective date, a written formal Travel Warning was issued by Foreign Affairs and International Trade Canada, advising Canadians to avoid all or non-essential travel to that country, region or city.
- Any medical condition you suffer or contract in a specific country, region or city for which Foreign Affairs and International Trade Canada has issued a formal Travel Warning, before your departure date, advising Canadians to avoid all or non-essential travel to that specific country, region or city. In this exclusion “medical condition” is limited to the reason for which the formal Travel Warning was issued and includes complications arising from such medical condition.
- Magnetic resonance imaging (MRIs), computerized axial tomography (CAT) scans, sonograms, ultrasounds or biopsies, cardiac catheterization, angioplasty and/or cardiovascular surgery including any associated diagnostic test(s) or charges unless approved in advance by the Assistance Centre prior to being performed. All surgery must be authorized by the Assistance Centre prior to being performed except in extreme circumstances where surgery is performed on an emergency basis immediately upon admission to hospital. 

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.

CLAIMS:
To make a claim due to illness or injury during your trip, please call the customer service centre: 1-888-881-8013 toll free Canada/U.S or 519-945-9246.
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 

If you disagree with the claim decision, the matter will be submitted to arbitration under the arbitration law in the Canadian province or territory where your policy was issued. Legal action to recover a claim must start within 12 months of the date the insurance monies would have been payable if it were a valid claim and be undertaken before courts of the Canadian province or territory where your policy was issued.

FAQ:

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 the Customer Service Centre indicated on your confirmation before you leave home for the additional coverage days required.

Family Coverage can include:
i) one applicant (parent or grandparent) travelling with their children/grandchildren; 
ii) applicant, spouse and children or grandchildren; or 
iii) three generations of a single family (grandparent[s], parent[s] and their children). 
All family members must have coverage that starts and ends on the same dates.

REFUNDS:
You may obtain a refund of premium
a) if you cancel your policy at any time before your departure date; or
b) if you return home before the date you were scheduled to as per your confirmation, and have not had a claim, you may ask for a refund of the premium for the unused days of your trip (minimum $25).
Simply contact us to ask for a refund and provide proof of the date you actually returned home.
No refunds are available on the Multi-Trip Annual Travel plan.

EXTENSIONS:
To extend your coverage, If you are already on your trip, simply call the Assistance Centre. You may be able to extend your coverage, as long as the total length of your trip, including the extension, does not exceed 183 days (212 days if you reside in Ontario or Newfoundland) and there has been no event that has resulted or may result in a claim against the policy. Any extension is subject to the approval of the Assistance Centre.

Manulife Financial is a leading Canadian-based financial services company, operating worldwide, offering a diverse range of financial protection products and wealth management services. Manulife Financial is the largest life insurance company in Canada, the second largest in North America and the sixth largest in the world based on market capitalization.
Manulife Financial Corporation trades as 'MFC' on the TSX, NYSE and PSE, and under '945' on the SEHK.

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 Insurance POLICY PDF

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.

 

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