Insure In Canada

Basic Benefits

Covid-19 coverage
Covered
Ambulance Services / Transportation
Covered
Emergency Hospitalization
Up to Coverage Amount
Services of a Physician, Surgeon, etc.
Up to Coverage Amount
Emergency Medical Care
Up to Coverage Amount
Walk-in Clinic Visits
Covered
Follow Up Treatment
Max $3,000 (Pre-Approval Required)
Laboratory Diagnostics / X-Ray
Covered
Prescription Medications
Max $1,000 OR a 30 day Supply
Dental Pain Relief
Max $500
Emergency Dental Repair
Max $3,000
24-hour Emergency Assistance Center
Included
ambulanceTransportation
Covered
Emergency Home Return / Evacuation
Max $3,000
Repatriation of Remains
Max $10,000
Cremation / Burial
Max $4,000
Stable Pre-existing Medical Conditions Coverage
Included, if Selected
Private Duty Nurse / Medical Attendant
Max $10,000
Rental / Purchase of Medical Appliances
Covered
Side-Trips Benefit (with in Canada and outside of Canada)
Included

Enhanced Benefits

Emergency Services of Chiropractor, Chiropodist, Physiotherapist, Osteopath, or Podiatrist
Max $500/Category
Accidental Death
Coverage Amount OR Max $150,000
Double Dismembernent
Coverage Amount OR Max $150,000
Single Dismembernent
Coverage Amount OR Max 75,000
Bedside Companion Accommodation / Transportation
Airfare $3,000+ $1,000 Expenses
Meals and Accommodation / Hospital Allowance / Out-of-pocket Expenses
Max $1500/$150 Per Day
Maternity Benefits / Delivery Coverage
N/A
Pregnancy Complications Coverage
N/A
Physical Examination (Non-emergency)
N/A
Eye Examination (Non-emergency)
N/A
Vaccines (Non-emergency)
N/A
Child Care / Escort Expenses
Included
Psychiatric / Psychological
N/A
Return of a Vehicle
N/A
Sports Injuries Coverage
Not for Hazardous Sports
Flight / Travel Accident
Max $50,000
Trip-Break Benefit
Included

Requirements for Visitors to Canada or Supervisa Medical Insurance:

1. Coverage is NOT AVAILABLE to any individual who:

a) has been diagnosed with a terminal illness; or

b) has Acquired Immune Deficiency Syndrome (AIDS) or Human Immunodeficiency Virus (HIV); or

c) has been prescribed or used home oxygen treatment in the last 12 months; or

d) has been diagnosed with or treated for congestive heart failure; or

e) has had a major organ transplant (heart, kidney, liver, lung); or

f) has received kidney dialysis treatment in the last 12 months.

2. To be eligible for coverage you must, as of the effective date:

a) be at least 15 days old; and

b) be in good health at the time you purchase your policy and on the effective date, and know of no reason why you would attend any medical consultation during the period of coverage; and

c) not be insured or eligible for benefits under a Canadian government health insurance plan.

Effective Date means the date and time coverage starts. Coverage begins on the latest of the following:

a) the date and time the completed application and premium are accepted by The Destination: Travel Group Inc. or its agent; or

b) the date indicated as the effective date in your confirmation of coverage; or

c) the date and time you exit your country of origin.

Waiting Period

Coverage for losses resulting from any sickness will only begin 48 hours after the effective date if you purchase your policy:

a) after your arrival date in Canada; or

b) after the expiry date of an existing policy issued by the insurer and managed by The Destination: Travel Group Inc.

Any sickness that manifests itself during the 48-hour waiting period is not covered even if related expenses are incurred after the 48-hour waiting period.

However, if you are age 86 or older on your effective date, your waiting period is 15 days.

Expiry date means the date and time coverage ends. Coverage ends on the earlier of the following:

a) the date indicated as the expiry date in your confirmation of coverage.

b) the date you become eligible for coverage under a Canadian government health insurance plan.

The waiting period may be waived if:

a) INSURING the policy is purchased on or prior to the expiry date of an existing Destination: Canada policy.

b) you have insurance with another insurer during the first part of your trip in Canada, and there will be no gap in coverage. You must provide satisfactory proof and receive written approval from the insurer.

For more information, please review the Policy Wording. 

Claim forms are available by calling the Assistance Centre Claims Department.

SEND YOUR CLAIMS TO:

    Active Care Management

    PO Box 1237, Station A 

    Windsor, ON 

    N9A 6P8

 

 Online Claims Submission

For quick and easy claim submission, please have all of your documents available [in electronic format] and visit https://manulife.acmtravel.ca to submit your claim online.

Collect worldwide: +1 (519) 945-1069

Toll-free Canada/USA: 1-833-886-1069

1. Claims must be reported within 30 days of occurrence.

2. Written proof of claim must be submitted within 90 days of occurrence.

3. Any costs incurred for documentation or required reports are your or the claimant’s responsibility.

4. To submit your claim, fill out the claim form completely and include all original bills. Incomplete information will cause delays.

5. All eligible claims must be supported by original receipts from commercial organizations.

When submitting your claim, please include:

1. Fully completed and signed claim form with all original bills and receipts from commercial organizations.

2. Medical records, including an emergency room report and diagnosis from the medical facility or a Medical Certificate completed by the treating physician. Any fee for completing the certificate is not a benefit under this insurance.

3. For physiotherapy visits, a letter from the referring physician recommending a referral to the physiotherapist.

4. Any other documentation that may be required and/or requested by the Assistance Centre.

When submitting your Accidental Death & Dismemberment claim, please include:

1. Fully completed and signed claim form by either you or, in the case of your death, by the appointed executor/ executrix.

2. Police report including any witness statements.

3. Coroner’s report.

4. Death certificate.

5. Medical Certificate completed by the attending physician or hospital medical records.

6. Any other documents requested by the Assistance Centre after an initial review of the claim.

Underwritten by:

The Manufacturers Life Insurance Company (Manulife).

P.O. Box 670, Stn. Waterloo,

Waterloo, ON N2J 4B8

Emergency Medical Assistance and Claims Administration provided by:

The Assistance Centre (Active Care Management)

PO Box 1237, Station A

Windsor, ON N9A 6P8

Managed and Distributed by:

The Destination: Travel Group Inc.

307-211 Consumers Road

Willow dale, Ontario, Canada M2J 4G8

Tel: 1-855-337-3532

 

For more information, please review the Policy Wording. 

Refunds:

When submitting your refund request, please send a written request to The Destination: Travel Group Inc. by fax, mail or email before your coverage period ends, and include:

1. A copy of your confirmation of coverage; and

2. Confirmation of your early departures such as a boarding pass or any other documentation to support your refund request.

Refunds will only be considered when:

1. The entire trip is cancelled prior to the effective date.

2. You return to your country of origin prior to the expiry date.

3. You become insured under a Canadian provincial or territorial health/medical plan as long as you are not required to maintain coverage for a work permit or other immigration purposes.

A fee of $150 may be applied by The Destination: Travel Group Inc. if cancelling a policy issued for one year of consecutive coverage prior to the effective date.

Important Notes

Premium refunds, regardless of method of payment, must be obtained from the agent where coverage was originally purchased and submitted to The Destination: Travel Group Inc.

Partial refunds will be:

• Calculated based on the date the refund request is received by The Destination: Travel Group Inc.; and

• Subject to a $25.00 administration fee applied by The Destination: Travel Group Inc. and a minimum refund of $25.00.

Under no condition will a refund be made if a claim has been incurred or paid, or is pending

For more information, please review the Policy Wording. 

This policy will not provide coverage, provide services, or pay claims for expenses incurred directly or indirectly as a result of:

1a) If at the time of application you are 79 years of age or under and selected Option 1:

        Any pre-existing medical condition unless it was stable in the 120 days immediately before the effective date.

1b) If at the time of application you are 79 years of age or under and selected Option 2:

       Any pre-existing medical condition.

1c) If at the time of application you are 80 years of age or over:

    Any pre-existing medical condition.

2) Any sickness for which symptoms occurred within:

• 48 hours after the effective date, if you are age 85 or younger on your effective date; or

• 15 days after the effective date, if you are age 86 or older on your effective date.

Except when this insurance is purchased:

a) before the date of your arrival to Canada; or

b) before the expiry date of your existing Visitors to Canada policy issued by the insurer and managed by The Destination: Travel Group Inc.; or

c) Before the date your existing coverage expires with another insurance company, there is no lapse in coverage. You must provide satisfactory proof of your previous insurance coverage.

3) Any losses incurred when a diagnosis or treatment was received, before the effective date, for pancreatic cancer, liver cancer or any cancer that has metastasized (migrated to another organ from its original site).

4) Costs incurred due to:

(i) Alzheimer’s disease or dementia;

(ii) any loss resulting from your minor mental or emotional disorder; and/or

(iii) Your self-infected injuries, unless medical evidence establishes that the injuries are related to a mental health illness.

5) Act(s) of war, kidnapping, act(s) of terrorism caused directly or indirectly by nuclear, chemical or biological means, riot, strike or civil commotion, unlawful visit in any country, participation in protests, participation in armed forces activities, participation in a commercial sexual transaction or the commission or attempted commission of any criminal offence, contravention of any statutory law or regulation in the area where the loss occurred by you, a family member or travelling companion.

6) Any sickness or injury when a trip is undertaken to secure medical treatment or advice.

7) Any loss, death or injury, if the evidence supports that you were affected by, or the medical condition was in any way contributed to by:

• the abuse or chronic use of alcohol either before or during the period of coverage; or

• the use of prohibited drugs, or any other intoxicant either before or during the period of coverage; or

• the non-compliance with the prescribed treatment or medical therapy either before or during the period of coverage; or

• the misuse of medication either before or during the period of coverage.

8) Any medical consultation that is non-emergency, elective or the consequence of a prior elective procedure.

9) Any medical condition diagnosed by a physician as terminal before the effective date of this policy or travelling against a physician's advice.

10) Any treatment, investigation or hospitalization which is a continuation of, or after, emergency treatment of a medical condition, unless approved in advance by the Assistance Centre.

11) Any treatment which can be reasonably delayed until you return to your country of origin (whether or not you intend to return) by the next available means of transportation unless approved in advance by the Assistance Centre.

12) Hospitalization or services rendered in connection with general health examinations for “check-up” purposes, treatment of an ongoing condition, regular care of a chronic condition, home health care, investigative testing, rehabilitation or ongoing care or treatment in connection with drugs, alcohol or any other substance abuse.

13) Any rehabilitation or convalescent care.

14) Injury resulting from training for or participating in:

• speed contests usually and customarily above 60 km per hour;

• motorsport contests;

• stunt activities, exhibitions or demonstrations of any kind;

• professional sports activities; or

• high-risk activities.

15) Any loss incurred due to pregnancy, abortion, miscarriage, and childbirth or complications thereof.

16) Any sickness or injury resulting from a motor vehicle accident where you are entitled to receive benefits pursuant to any policy or legislative plan of motor vehicle insurance.

17) Dental or cosmetic surgery except when specified.

18) Treatment or services that contravene or are prohibited by legislation under a provincial or territorial hospital/medical plan.

19) Naturopathic, holistic or acupuncture treatment.

20) Costs exceed the reasonable and customary rate for the area where the treatment or services are being performed.

21) Any nuclear occurrence, however, caused.

22) Any loss incurred when, before the effective date, Global Affairs Canada issued a written warning to avoid all travel, or to avoid non-essential travel, to that city, region, or country.

23) Any loss incurred outside of Canada when you have not spent most of the period of coverage in Canada.

24) Any loss incurred inside your country of origin, which is other than Canada.

25) Air travel other than as a passenger in a commercial aircraft licensed to carry passengers for hire, except while being transported under the terms of the Emergency Transportation or Emergency Return Home benefits.

26) Any loss resulting from a driver, the operator, a co-driver, a crew member or any other passenger on a commercial vehicle used to deliver goods or carry a load. This exclusion is not applicable when the commercial vehicle is used during your trip solely for pleasure purposes and not used to deliver goods or carry a load.

27) Applicable to Accidental Death & Dismemberment Benefits only: Being an occupant of an aircraft, either as passenger or crew or while boarding or disembarking from an aircraft. 

 

For more information, please review the policy wording. 

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