Destination Canada: Visitors to Canada OR Super Visa Insurance

Eligible ForSuper Visa, Visitors, New Immigrants, Foreign Workers, Returning Canadians and IEC/Working Holidays
Coverage Amounts$10,000 / $25,000 / $50,000 / $100,000 / $150,000 / $300,000
Emergency HospitalizationUp to Sum insured
Emergency Home Return / EvacuationUp to $3,000
Emergency Medical CareUp to Sum Insured
Services of a Physician, Surgeon, etc.Up to Sum Insured
Ambulance Services / TransportationUp to Sum Insured
Prescription MedicationsUp to $1,000/ 1-month supply
Emergency Dental RepairUp to $3,000
Dental Pain ReliefUp to $500
Emergency Services of Chiropractor, Chiropodist, Physiotherapist, Osteopath, or PodiatristUp to $500 per Category ordered by attending physician
Out-patient TreatmentUp to sum insured
Stable Pre-existing Medical Conditions CoverageAvailable
Follow Up TreatmentUp to $3000 for Follow up visits when Pre-approved by  Active Care Management
Bedside Companion Accommodation / TransportationUp to $1,000 / Up to $3,000 (One family member or Close friend)
Meals and Accommodation / Hospital Allowance / Out-of-pocket ExpensesUp to $1,500 / $150 a day
Laboratory Diagnostics / X-RayUp to Sum Insured
Private Duty Nurse / Medical AttendantUp to $10,000
Rental / Purchase of Medical AppliancesUp to Sum Insured
Cremation / BurialUp to $4,000
Repatriation of RemainsUp to $10,000
Accidental Death & DismembermentUp to sum Insured / Not over $150,000
Double DismembermentUp to Sum Insured
Single DismembermentUp to 50% of the Sum Insured
Sports Injuries CoverageAvailable
Flight / Travel AccidentUp to sum insured / Not Over $50,000
Trip-Break BenefitAvailable
Side-Trips BenefitAvailable
Uninterrupted Flights Coverage (in & from Canada)Available
24-hour Emergency Assistance CenterAvailable

As of the effective date, in order to be found eligible for Visitors to Canada with The Destination: Travel Group Inc. coverage, a person to be insured MUST:
– Be at least 15 days old.
– Not be eligible and covered under any provincial or territorial health insurance plan in Canada. However, if you become insured by the Government Health Insurance Plan in the province of your temporary residence after the effective date of your policy with the Destination Canada, you are allowed to keep the policy, which would only apply to the services in excess of the provincial insurance you have.
– Be in a good state of health with NO reason to seek medical attention.

Coverage is NOT AVAILABLE to any individual who, as of their effective date:
– Has been diagnosed with a terminal sickness.
– AIDS/HIV positive.
– Has been prescribed/used home oxygen during the last 12 months.
– Has been diagnosed with/received treatment for a congestive heart failure.
– Has had a major organ transplantation.
– Has been treated with kidney dialysis within the last 12 months.

Waiting Period:

There will be NO waiting period if an Insurance Policy is purchased prior to your arrival in Canada. Or before the expiry date of an existing emergency health care plan with The Destination: Travel Group Inc.

Any individual, who is 85 years old and younger is a subject to a 48-hour waiting period, if:

a) The policy is purchased after the expiry date of an existing DTGI policy.
b) The policy is purchased after the arrival in Canada.

People over 86 years old are subjected to a 15-day waiting period for the above conditions.

Making a Claim with Destination Canada:

In the case of a medical emergency, you or somebody on your behalf need to contact Active Care Management before any treatment or medical surgery or within the first 24 hours of hospital admission. Failure to connect within the stated time will decrease payable payments by 20%.

Active Care Management available 24 X 7 throughout the year

  • Toll-Free – 1-833-886-1069 (within Canada)
  • Collect Calls – 1-519-945-1069 (Worldwide)

Emergency Reporting & Claim Submission: 

Online Claims Submission

You can submit an online claim by visiting manulife.acmtravel.ca

Important Notice:

  • All claims need to report within 30 days of the incident.
  • Written proof of claim must submit within 90 days of occurrence.
  • All the expenses incurred for papers or required reports are the applicant's responsibility.
  • Original receipts from commercial organizations must support all eligible claims.

To file a paper base claim, you need to:

  • Fill out a Claim Form and attach all original medical receipts for treatment and prescription medication.
  • Send the form with your receipts to:

Active Care Management
PO Box 1237, Station A
Windsor, ON N9A 6P8

When submitting your claim, please include:

  1. Fully completed and signed claim form with all original bills and receipts from Medical facilities.
  2. Medical records, including an emergency room report and diagnosis from the medical facility or a Medical Certificate completed by the attending physician.
  3. For physiotherapy treatment benefit, A letter from the referring physician required.
  4. Any other documents that may be needed or requested by Manulife before they pay the claim.
  5. Detailed instructions on how to make a claim outlined in the Policy Wording. for Policy, wording Click here

Premium Refunds:

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

Full Refunds will be available for the insured, who:

– Cancel their entire trip to Canada before the effective date.
– Have received a refusal of the Super Visa application.

Partial Refunds are issued with a $25 cancellation fee to people insured, who present a proof of:

– Early departure to the country of origin/citizenship without any intention of coming back to Canada such as a copy of the Boarding Pass.
– Eligibility/coverage under any Provincial/Territorial Healthcare Plan in Canada such as a copy of the official enrollment letter or the provincial health insurance card. Please note that you must not require private health insurance to maintain your visa and/or work permits eligibility in order to cancel your policy with the Destination Canada for a refund if you become eligible for and covered with any government health insurance plan in Canada.
Partial refunds are calculated using daily insurance premiums – a number of days left on the policy before it expires. Moreover, Partial Refund amounts less than the minimum premium of $25 will not be issued.

Important Notice:

A fee of $150 may apply if canceling an insurance coverage issued for one year or more prior to the effective date without eligible reason for cancellation.
Whether it is a Full or a Partial Premium Refund due to Super Visa application being rejected, Early Departure from Canada or the Provincial Health Insurance Enrollment, you need to present the official explanation i.e. copy of a Boarding Pass / Letter of Enrollment / Rejection Letter in order to avoid the penalty.

Please, carefully read the Policy Wording to learn more about premium refund procedures.

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 and 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, prior to the effective date, for pancreatic cancer, liver cancer or any type of 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 of- fence, 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 for the purpose of securing 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 that was diagnosed by a physician as a terminal prior to the effective date of this policy or travelling against the advice of a physician.

10) Any treatment, investigation or hospitalization which is a continuation of, or subsequent to, 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 in excess of 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 as a result of pregnancy, abortion, miscarriage, 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 that 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, prior to 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 the majority 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 when you are a driver, the operator, a co-driver, a crew member or any other passenger on a commercial vehicle used for the purpose of delivering goods or carrying a load. This exclusion is not applicable when the commercial vehicle is used during your trip solely for pleasure purposes and not used for delivering goods or carrying 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.

Destination Canada: Visitors to Canada OR Super Visa Insurance

Eligible ForSuper Visa, Visitors, New Immigrants, Foreign Workers, Returning Canadians and IEC/Working Holidays
Coverage Amounts$10,000 / $25,000 / $50,000 / $100,000 / $150,000 / $300,000
Emergency HospitalizationUp to Sum insured
Emergency Home Return / EvacuationUp to $3,000
Emergency Medical CareUp to Sum Insured
Services of a Physician, Surgeon, etc.Up to Sum Insured
Ambulance Services / TransportationUp to Sum Insured
Prescription MedicationsUp to $1,000/ 1-month supply
Emergency Dental RepairUp to $3,000
Dental Pain ReliefUp to $500
Emergency Services of Chiropractor, Chiropodist, Physiotherapist, Osteopath, or PodiatristUp to $500 per Category ordered by attending physician
Out-patient TreatmentUp to sum insured
Stable Pre-existing Medical Conditions CoverageAvailable
Follow Up TreatmentUp to $3000 for Follow up visits when Pre-approved by  Active Care Management
Bedside Companion Accommodation / TransportationUp to $1,000 / Up to $3,000 (One family member or Close friend)
Meals and Accommodation / Hospital Allowance / Out-of-pocket ExpensesUp to $1,500 / $150 a day
Laboratory Diagnostics / X-RayUp to Sum Insured
Private Duty Nurse / Medical AttendantUp to $10,000
Rental / Purchase of Medical AppliancesUp to Sum Insured
Cremation / BurialUp to $4,000
Repatriation of RemainsUp to $10,000
Accidental Death & DismembermentUp to sum Insured / Not over $150,000
Double DismembermentUp to Sum Insured
Single DismembermentUp to 50% of the Sum Insured
Sports Injuries CoverageAvailable
Flight / Travel AccidentUp to sum insured / Not Over $50,000
Trip-Break BenefitAvailable
Side-Trips BenefitAvailable
Uninterrupted Flights Coverage (in & from Canada)Available
24-hour Emergency Assistance CenterAvailable

As of the effective date, in order to be found eligible for Visitors to Canada with The Destination: Travel Group Inc. coverage, a person to be insured MUST:
– Be at least 15 days old.
– Not be eligible and covered under any provincial or territorial health insurance plan in Canada. However, if you become insured by the Government Health Insurance Plan in the province of your temporary residence after the effective date of your policy with the Destination Canada, you are allowed to keep the policy, which would only apply to the services in excess of the provincial insurance you have.
– Be in a good state of health with NO reason to seek medical attention.

Coverage is NOT AVAILABLE to any individual who, as of their effective date:
– Has been diagnosed with a terminal sickness.
– AIDS/HIV positive.
– Has been prescribed/used home oxygen during the last 12 months.
– Has been diagnosed with/received treatment for a congestive heart failure.
– Has had a major organ transplantation.
– Has been treated with kidney dialysis within the last 12 months.

Waiting Period:

There will be NO waiting period if an Insurance Policy is purchased prior to your arrival in Canada. Or before the expiry date of an existing emergency health care plan with The Destination: Travel Group Inc.

Any individual, who is 85 years old and younger is a subject to a 48-hour waiting period, if:

a) The policy is purchased after the expiry date of an existing DTGI policy.
b) The policy is purchased after the arrival in Canada.

People over 86 years old are subjected to a 15-day waiting period for the above conditions.

Making a Claim with Destination Canada:

In the case of a medical emergency, you or somebody on your behalf need to contact Active Care Management before any treatment or medical surgery or within the first 24 hours of hospital admission. Failure to connect within the stated time will decrease payable payments by 20%.

Active Care Management available 24 X 7 throughout the year

  • Toll-Free – 1-833-886-1069 (within Canada)
  • Collect Calls – 1-519-945-1069 (Worldwide)

Emergency Reporting & Claim Submission: 

Online Claims Submission

You can submit an online claim by visiting manulife.acmtravel.ca

Important Notice:

  • All claims need to report within 30 days of the incident.
  • Written proof of claim must submit within 90 days of occurrence.
  • All the expenses incurred for papers or required reports are the applicant’s responsibility.
  • Original receipts from commercial organizations must support all eligible claims.

To file a paper base claim, you need to:

  • Fill out a Claim Form and attach all original medical receipts for treatment and prescription medication.
  • Send the form with your receipts to:

Active Care Management
PO Box 1237, Station A
Windsor, ON N9A 6P8

When submitting your claim, please include:

  1. Fully completed and signed claim form with all original bills and receipts from Medical facilities.
  2. Medical records, including an emergency room report and diagnosis from the medical facility or a Medical Certificate completed by the attending physician.
  3. For physiotherapy treatment benefit, A letter from the referring physician required.
  4. Any other documents that may be needed or requested by Manulife before they pay the claim.
  5. Detailed instructions on how to make a claim outlined in the Policy Wording. for Policy, wording Click here
Premium Refunds:

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

Full Refunds will be available for the insured, who:

– Cancel their entire trip to Canada before the effective date.
– Have received a refusal of the Super Visa application.

Partial Refunds are issued with a $25 cancellation fee to people insured, who present a proof of:

– Early departure to the country of origin/citizenship without any intention of coming back to Canada such as a copy of the Boarding Pass.
– Eligibility/coverage under any Provincial/Territorial Healthcare Plan in Canada such as a copy of the official enrollment letter or the provincial health insurance card. Please note that you must not require private health insurance to maintain your visa and/or work permits eligibility in order to cancel your policy with the Destination Canada for a refund if you become eligible for and covered with any government health insurance plan in Canada.
Partial refunds are calculated using daily insurance premiums – a number of days left on the policy before it expires. Moreover, Partial Refund amounts less than the minimum premium of $25 will not be issued.

Important Notice:

A fee of $150 may apply if canceling an insurance coverage issued for one year or more prior to the effective date without eligible reason for cancellation.
Whether it is a Full or a Partial Premium Refund due to Super Visa application being rejected, Early Departure from Canada or the Provincial Health Insurance Enrollment, you need to present the official explanation i.e. copy of a Boarding Pass / Letter of Enrollment / Rejection Letter in order to avoid the penalty.

Please, carefully read the Policy Wording to learn more about premium refund procedures.

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 and 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, prior to the effective date, for pancreatic cancer, liver cancer or any type of 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 of- fence, 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 for the purpose of securing 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 that was diagnosed by a physician as a terminal prior to the effective date of this policy or travelling against the advice of a physician.

10) Any treatment, investigation or hospitalization which is a continuation of, or subsequent to, 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 in excess of 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 as a result of pregnancy, abortion, miscarriage, 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 that 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, prior to 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 the majority 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 when you are a driver, the operator, a co-driver, a crew member or any other passenger on a commercial vehicle used for the purpose of delivering goods or carrying a load. This exclusion is not applicable when the commercial vehicle is used during your trip solely for pleasure purposes and not used for delivering goods or carrying 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.

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