Visitors Insurance – Standard Plan
BENEFITS:
Emergency Medical maximum benefits: $15,000; $25,000; $50,000; $100,000, $150,000 and $200,000.
- Emergency medical attention — Covers doctor visits (in or out of hospital), hospital rooms (semi-private room when available or an intensive care unit when medically necessary), diagnostic tests, and drugs received in hospital.
- Extended healthcare* – Up to $5,000 for private duty registered nursing or licensed home care providers and rental of a hospital bed, wheelchair, crutches, splints, canes, slings, trusses or braces or other prosthetic appliance.
- Healthcare practitioner services – Up to a combined total of $1,000 for acupuncturist, chiropodist, chiropractor, osteopath, physiotherapist or podiatrist.
- Local ambulance service.
- Prescription medications – Up to $500 and not exceeding a 30-day supply prescribed on an outpatient basis.
- Extra expenses for meals, hotel, phone calls, and taxi – Up to $150/day (max $1,500) if a medical emergency delays your return home or requires you to travel to a different location. Covers you and up to 2 travel companions.
- Expenses to return children under your care – If you’re hospitalized for 24+ hours or must return home due to an emergency, Manulife will cover economy airfare home for any children in your care, plus an escort’s return airfare if the airline requires one.
- Expenses to bring someone to your bedside – If you’re travelling alone and hospitalized for 5+ days, Manulife will cover return economy airfare (up to $3,000) for one family member or friend, plus up to $500 for their hotel and meals.
- Expenses related to your death* – Up to $7,500 for body preparation, cremation, transportation home, and related legal documents. Does not cover coffins, urns, grave markers, flowers, or ceremony expenses.
- Repatriation and air ambulance* – Economy airfare home, a stretcher fare if medically necessary, a medical attendant’s airfare and expenses if medically necessary or required by the airline, or a full air ambulance if needed.
- Emergency dental – Up to $4,000 for treatment to natural teeth, dentures, or other dental devices resulting from an accidental blow to the face.
- Relief of dental pain – Up to $300 for emergency relief of acute dental pain, as long as it wasn’t caused by a blow to the face and is a new condition.
- Return excess baggage* – Up to $300 to return your excess baggage home if you’re repatriated or in the event of death
- Obtaining medical records – Covers the cost of obtaining hospital or medical records when requested by Manulife. Claim form completion is not covered.
- Accidental death and dismemberment — Up to $25,000 for accidental death.
- Continuing treatment* – The Standard Plan covers follow-ups after an emergency until the Assistance Centre determines the emergency has ended, your policy limit is reached, or your coverage is terminated. Any follow-up after your policy expiry date must be pre-approved, and the original emergency must have been reported and covered.
* These benefits must be authorized and arranged by the Assistance Centre.
Important Note: This policy does not cover cardiac catheterization, angioplasty, and/or cardiovascular surgery including any associated test(s) or charges, magnetic resonance imaging (MRI), computerized axial tomography (CAT) scans, sonograms, ultrasounds or biopsies unless approved in advance by the Assistance Centre.
ELIGIBILITY:
You are not eligible for this insurance if any of the following apply to you:
- Travelling against the advice of a physician
- Have been diagnosed with a terminal illness with less than 2 years to live
- Have been diagnosed with or received treatment within the last 2 years for a pancreatic, lung, brain, or liver cancer
- Have ever been diagnosed with any type of cancer that has spread from one part or organ of the body to another (metastatic cancer)
- Have had or are waiting for an organ or bone marrow transplant (excluding corneal transplant)
- Have ever been diagnosed with congestive heart failure
- Have been prescribed or used home oxygen in the last 12 months
- Require kidney dialysis
- Reside in a nursing home or long-term care facility
- Age 86 or older
WAITING PERIOD — a period, starting from the effective date of this policy, during which premiums are payable but claims resulting from any sickness will be not eligible for reimbursement. Any sickness that manifests itself during the waiting period is not covered even if related expenses are incurred after the waiting period.
A waiting period will apply if you:
- Purchase this policy after your arrival date; or
- Fail to properly notify us of your actual arrival date (as explained in the Your coverage effective date section)
The waiting period is 72 hours if these circumstances occur within the first 30 days after your arrival date.
The waiting period is 7 days if these circumstances occur 31 days or more after your arrival date.
A waiting period of 7 days also applies to this policy if you purchase consecutive policies from us with no gap in coverage, and if you choose to make any of the following coverage changes, relative to the coverage on the prior policy:
- Decrease the deductible amount
- Change from a Manulife Visitor to Canada plan that does not cover stable pre-existing conditions to a plan that does
- Increase your aggregate policy limit
The waiting period will be waived if:
- This policy is purchased on or before the expiry date of a Visitor to Canada policy already issued by us to take effect on the day following such expiry date, provided there is no increase in the aggregate policy limit, no decrease in the deductible amount, and there is no change from a Manulife Visitor to Canada plan that does not cover stable pre-existing conditions to a plan that does; or
- This policy is purchased before your arrival date (unless you failed to notify us as explained in the Your coverage effective date section; or
- We specifically waive or modify the waiting period.
PRE-EXISTING CONDITIONS — No coverage is provided for pre-existing medical conditions that existed within 180 days prior to the effective date. For example, if your travel date and policy effective date is June 30th, then any pre-existing medical conditions that existed between January 1st and June 30th are not covered.
EXTENSIONS:
If you are purchasing coverage to extend your trip, you will receive a new policy with policy terms starting on the effective date stated on that policy’s confirmation.
SIDE TRIPS:
This insurance provides coverage while travelling outside Canada, excluding to your country of origin, if your side trip starts and ends in Canada and does not exceed the lesser of the following:
- 30 days per policy
- 49% of your total number of coverage days as stated on your policy confirmation.
During your Coverage period, if you take a side trip outside of Canada that is longer than the number of days permitted in this policy for side trips outside of Canada, your coverage under this policy will be suspended for the remainder of your side trip, but your coverage will not be terminated and your expiry date will not change. When you return to Canada, your coverage will resume.
Trip breaks
If you request and receive pre-approval from the Assistance Centre, you may return to your country of origin without terminating your coverage. Your coverage will be suspended but will not terminate after you leave Canada and while you are in your country of origin. 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 while you are in your country of origin and your expiry date will not change.
Note: We will not provide coverage for any expenses that arise from any sickness, disease, symptom, or injury that presented, recurred, or for which treatment was received during any trip break or after the number of days permitted for your side trip outside of Canada.
AUTOMATIC EXTENSION:
If you are unavoidably delayed on your scheduled return to your country of origin, through no fault of your own, coverage will automatically be extended beyond your expiry date:
- For the length of your delay to a maximum of 72 hours if your common carrier is delayed; or
- If you are hospitalized on your expiry date. In this case, we will extend your coverage during the hospitalization up to a maximum of 365 days or until, in our opinion, you can be discharged from the hospital and for up to 5 days after discharge from the hospital; or until you can be evacuated to your country of origin, whichever is earlier; or
- If you have a medical emergency that occurs within the 5 days prior to your expiry date that does not require hospitalization but prevents travel as confirmed by a physician. In this case, we will extend your coverage for up to 5 days.
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.
Requests for premium refunds due to non-arrival can be submitted for consideration as long as this insurance has not been issued as part of the requirements necessary to obtain or maintain a visitor visa, in which case proof of visa refusal or withdrawal of the visa application must be provided.
You can cancel your insurance and obtain a partial refund of the unused premium amount when you provide proof that you are covered under a GHIP*; or with proof of return to your country of origin provided that there has been no claim paid or denied.
If you are applying for a partial refund and a claim has been paid or denied, you may apply to have such claim(s) withdrawn. The amount of claim(s) paid will be deducted from the refund amount plus a file handling fee of $300 per claim will also be deducted. A denied claim will be subject to a file handling fee of $500 per claim. The file handling fee and any other adjustments will be deducted from any amount to be refunded.
If you become eligible for coverage under a GHIP*, Manulife will consider your cancellation request from the date we receive acceptable proof. Such requests cannot be backdated because this insurance policy provides insured services and other benefits that are not provided by government health insurance.
If you return to your country of origin, Manulife will consider refunding back to that date to a maximum of 60 days. If your cancellation request is received more than 30 days after the date you returned to your country of origin, we will require acceptable proof that you did not visit Canada between the date you returned to your country of origin and the date you submitted your cancellation request. Manulife reserves the right to refuse to go back more than 60 days prior to the date we receive the request and acceptable proof.
If you leave Canada but spend time in a country covered under the Travelling outside Canada: Side trips and Trip breaks provision, you must advise us prior to exiting Canada if you do not want to be covered in that other country. Failure to notify us prior to your exit date will result in premium being retained to cover all or part of that side trip.
If you withdraw a claim to apply for a premium refund, or if a refund of premium has been requested for any other reason outlined in this policy, Manulife will not consider any further expenses under the policy, regardless of the date the expense was incurred.
All refunds are subject to approval by Manulife, and we reserve the right to refuse any refund request. Refunds will be credited to the same credit card used to charge the premium.
*government health insurance plan (GHIP) — the health insurance coverage that a Canadian provincial or territorial government provides to its residents.
CLAIMS:
In the event of an emergency, you must call the Assistance Center immediately: 1-877-878-0142 toll free from Canada or the U.S., or 519-251-5166 collect call from anywhere else.
Call within 24 hours of hospitalization. If you do not contact the Assistance Centre before receiving medical treatment, you will have to pay 20% of the medical expenses normally paid by Manulife 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.
The Assistance Centre will verify and explain your coverage to you; refer you to a medical provider; arrange to have your covered expenses billed directly to Manulife where possible; and monitor your medical condition.
Immediate access to the Assistance Centre is also available through its TravelAid mobile app. The TravelAid mobile app can also provide you with directions to the nearest medical facility, and local emergency telephone numbers (such as 911 in North America). To download the app, visit: https://www.active-care.ca/en/ travelaid/
Your claim must be reported within 30 days of occurrence and sent to Manulife within 90 days of your loss.
Ensure you keep a copy of your receipts, bills and invoices for your records.
Please, mail all original receipt, bills and invoices to:
Manulife Travel Insurance Claims
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 will not reimburse you for insured services or pay an Accidental death and dismemberment claim and/or any other expenses directly or indirectly related to the items listed in this section.
- Any pre-existing condition that existed or for which medication is taken, received, prescribed, prescribed as needed, or for which treatment was prescribed or received in the 180 days before your effective date, including but not limited to:
- A heart condition that required any form of nitroglycerine to relieve angina pain in the 180 days before your effective date
- A lung condition that required treatment with oxygen or prednisone in the 180 days before your effective date
- Any sickness, disease, or symptom that manifests before or during the waiting period even if related expenses are incurred after the waiting period.
- Any sickness, disease, symptom, or injury:
- When you knew, prior to your effective date, that you would need or be required to seek treatment for that medical condition during your trip; and/or
- For which, prior to your effective date, it was reasonable to expect that you would need treatment during your trip; and/or
- For which future investigation or treatment was planned prior to your effective date; and/or
- Which produced symptoms that would have caused an ordinarily prudent person to seek treatment in the 180 days prior to the effective date; and/or
- That had caused a physician to advise you not to travel.
- Any expenses or benefits if the information provided on your application for insurance is not truthful and accurate or you did not meet the eligibility requirements.
- Cardiac catheterization, angioplasty and/or cardiovascular surgery including any associated diagnostic test(s) including but not limited to, magnetic resonance imaging (MRI), computerized axial tomography (CAT) scans, sonograms, ultrasounds or biopsies, or charges unless approved by the Assistance Centre prior to being performed, except in extreme circumstances where such procedures are performed on an emergency basis immediately upon admission to a hospital.
- 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 Coverage period.
- Arising during your Coverage period, from or in any way related to, the abuse of alcohol, drugs, or other intoxicants.
- Any loss resulting from your minor mental or emotional disorder.
- Any non-emergency, investigative, experimental or elective treatment such as cosmetic surgery, chronic care, rehabilitation including any expenses for directly or indirectly related complications.
- General health examinations or services.
- Prescription drugs or medicines, treatment, appliances or devices provided to monitor or maintain any pre-existing condition.
- An emergency resulting from any of the following:
- Mountain climbing requiring the use of specialized equipment, including carabiners, crampons, pickaxes, anchors, bolts and lead-rope or top-rope anchoring equipment to ascend or descend a mountain
- Rock climbing
- Parachuting, skydiving, hang-gliding, or using other air-supported sporting device
- Participating in a motorized speed contest including training activities
- Your professional participation in a sport, snorkeling or scuba-diving when that sport, snorkeling or scuba-diving is your principal paid occupation
- Any of the following:
- Pregnancy that commences prior to the effective date
- Your routine pre-natal or post-natal care
- Your pregnancy, delivery, or complications of either arising 9 weeks before the expected date of delivery or 9 weeks after
- Medical treatment or services provided to your child born during your Coverage period.
- The provision of insured services to children under 30 days of age.
- An act of war or an act of terrorism when you are outside of Canada and covered under this insurance.
- A continuation of treatment or service first recommended or prescribed by a physician or healthcare practitioner before the effective date of this policy or where such insured services were first initiated before the effective date of this policy or during the waiting period, or for holders of a valid multiple-entry visa issued by the Government of Canada, during a return to your country of origin during the Coverage period.
- Your medical or health assessment or any form of report or document supporting an application to obtain immigrant status or extend your visa in Canada or any recommended treatment resulting from such health assessment.
- Any medical treatment or follow-up visit outside of Canada when the emergency occurred in Canada.
- Any emergency that occurs or recurs after our medical advisors recommend that you return to your country of origin, and you choose not to. (Review Loss of coverage)
- The ongoing treatment, recurrence, or complication of a medical condition when you have already received emergency treatment for that condition during your Coverage period and our Assistance Centre determines that your medical emergency has ended.
- Any medical condition you suffer or contract in a specific country, region or city outside of Canada, while covered under the Side trips provision or while on an uninterrupted flight to or from Canada if a Government of Canada travel advisory, issued before you travel to that location, advises to Avoid non-essential travel or to Avoid all travel to that specific country, region, or city. In this exclusion, medical condition is limited, related or due to the reason for the travel advisory.
- Any medical treatment for which you are eligible and/or covered under a government health insurance plan (GHIP).
- Covered expenses that exceed 80% of those we would normally pay if you do not contact the Assistance Centre within 24 hours of hospitalization unless your medical condition makes it impossible for you to call. If your medical condition makes it medically impossible for you to call, someone must call on your behalf.
- Any expenses arising from any sickness, disease, symptom, or injury that is presented, recurred, or for which treatment was received during:
- Any suspension of coverage during any Side trips; and/or
- Any Trip breaks.
NOTES:
- Each time you purchase another policy from us, each new policy will have a new effective date even if you are continuing the same visit to Canada (or other country covered under the Travelling outside Canada: Side trips and Trip breaks provision).
- Family— a maximum of 2 parent(s) or legal guardian(s) plus their unmarried children under age 22 dependent on them for their sole means of support and visiting Canada with them.
- Maximum period of coverage is 365 days.
- Age means your age at the effective date of your insurance.
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 Visitors Insurance policy – Standard Plan PDF
Manulife Visitors Application Form – DocuSign (fillable)
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