Insure In Canada

Basic Benefits

Covid-19 coverage
Covered
Ambulance Services / Transportation
Covered
Emergency Hospitalization
Coverage Up to 2 Million
Services of a Physician, Surgeon, etc.
Coverage Up to 2 Million
Emergency Medical Care
Coverage Up to 2 Million
Walk-in Clinic Visits
Allowed
Follow Up Treatment
Allowed
Laboratory Diagnostics / X-Ray
Included
Prescription Medications
A 30-Day Supply or Max $10000
Dental Pain Relief
Max $600
Emergency Dental Repair
Max $5,000
24-hour Emergency Assistance Center
Available
ambulanceTransportation
Covered
Emergency Home Return / Evacuation
Included
Repatriation of Remains
Max $15,000
Cremation / Burial
Max $5,000
Stable Pre-existing Medical Conditions Coverage
Covered if Stable for 90 Days Prior to the Effective Date.
Private Duty Nurse / Medical Attendant
Max $15,000
Rental / Purchase of Medical Appliances
Up to sum insured
Side-Trips Benefit (with in Canada and outside of Canada)
Included

Enhanced Benefits

Emergency Services of Chiropractor, Chiropodist, Physiotherapist, Osteopath, or Podiatrist
Max $600/Profession
Accidental Death
Max $10,000
Double Dismembernent
Max $10,000
Single Dismembernent
Max $5,000
Bedside Companion Accommodation / Transportation
Max $5,000
Meals and Accommodation / Hospital Allowance / Out-of-pocket Expenses
Max $1,500
Maternity Benefits / Delivery Coverage
Max $25,000
Pregnancy Complications Coverage
Max $25,000
Physical Examination (Non-emergency)
Max $150 in any Consecutive 12-Month Period
Eye Examination (Non-emergency)
One visit in any Consecutive 12-Month Period
Vaccines (Non-emergency)
Max of $100 during a 12 Consecutive Month Period
Child Care / Escort Expenses
N/A
Psychiatric / Psychological
Max $25,000 Inpatient / Max $1,000 Outpatient
Return of a Vehicle
N/A
Sports Injuries Coverage
Included (Not Hazardous Sports)
Flight / Travel Accident
N/A
Trip-Break Benefit
N/A
Common Carrier
Available
Corrective Devices
N/A
Prescription Glasses / Contact lenses / Hearing Aids
Max $200
Sexual Health Consultation
N/A
Terrorism Coverage( Only for Outbound Insured)
N/A
Trauma Counselling
Max $500 within 90 Days of Emergency / Total $5000 per Emergency Event
Tuberculosis Testing and Vaccination
Max of $100 during a 12 Consecutive Month Period
Tuition Reimbursement in Relation to Emergency
N/A
Tutorial Services
$20/hour (Max $400)
Wisdom Teeth Removal
Max $150

Applicable to International Students studying in Canada:

To be eligible for coverage a person must, as of the effective date:

a) be a student enrolled in a school in Canada; or

b) be an accompanying dependent* of an eligible student; and

c) be currently in good health; and

d) be less than 69 years of age at the time of application; and

e) not be insured or eligible for benefits under a Canadian government health insurance plan. If you become eligible for and insured under the government health insurance plan of the province or territory in which you study, the insurance will then apply in excess of this provincial or territorial government health insurance plan.

*Coverage for dependents is only available to International Students age 59 or younger.

For more infomormation, please review the Policy wording.

CLAIMS PROCEDURES

Important Notes:

1.IF YOU ARE MAKING A MEDICAL CLAIM; we will need:

a) original itemized receipts for all bills and invoices;

b) proof of payment by you and by any other benefit plan;

c) medical records including complete diagnosis by the attending physician or documentation by the hospital, which must support that the treatment was medically necessary;

d) proof of the accident if you are submitting a claim for dental expenses resulting from an accident;

e) proof of travel (including departure and return dates);

f) your historical medical records (if we determine applicably); and

g) proof of enrolment in a recognized institute of learning.

IF YOU ARE MAKING AN ACCIDENTAL DEATH OR DISMEMBERMENT CLAIM, we will need:

a) a police, autopsy or coroner’s report;

b) medical records; and

c) a death certificate, as applicable.

If your body is not found within twelve (12) months of the accident, we will presume that you died as a result of your injuries.

All claim forms are available by calling the Assistance Centre Claims Department.

Online Claims Submission

For quick and easy submission of your Proof of Claim, visit https://manulife.acmtravel.ca and please have all of your documentation available [in electronic format].

OR

SEND YOUR CLAIMS TO:

Active Care Management

P.O. Box 1237, Stn A

Windsor, ON N9A 6P8

You may call the Claims Centre directly for specific information on how to make a claim or to enquire about your claim status at 1 833-886-1070 or +1 (519) 945-1070.

For more information, please review the Policy Wording. 

REFUNDS

A full refund will be provided for policies which are returned within 10 days of purchase and requested in writing prior to the effective date of coverage.

When submitting your refund request, please include:

1. a written request; and

2. a copy of your confirmation of coverage; and

3. confirmation of your early departure such as boarding pass or itinerary, or any other written proof of your early return to your country of origin; and

4. any other documentation to support your refund request.

Refunds are payable when:

1. The student fails to meet visa entry eligibility requirements.

2. You return your country of origin 30 days or more prior to the expiry date of coverage, without intending to return to Canada.

3. The student is no longer enrolled in a school within Canada or the country of study.

4. You become covered under a provincial or territorial health/medical plan. Premium refund requests, regardless of method of payment, should be submitted to The Destination: Travel Group Inc

There will be no refund of premium if any losses have been incurred whether or not a claim has been made.

Premiums which are 100% refundable are subject to a $10 administration fee, except when cancelled during the 10 day examination period.

Partial cancellations are charged a $25 administration fee. These fees are deducted from the net premium to be refunded. Refunds will not be provided for amounts less than the minimum required premium for the plan purchased.

Refunds will be calculated from the date of permanent return to your country of origin, or from the date you became covered under a provincial or territorial government health care plan (inbound students only) or the day you are no longer enrolled in a school within Canada or your country of study.

For more information, please review the Policy Wording. 

EXCLUSIONS

Benefits are not payable for costs incurred due to:

1. Any pre-existing medical condition that was not stable within the 90 days immediately before your effective date.

2. Any pre-existing medical condition or any related conditions for which, prior to your arrival date in Canada or country of study, you had, were scheduled or recommended for medical consultation for the purpose of establishing a diagnosis, and for which results had not yet been received at the time of departure from your country of origin.

3. Test and investigative consultation including, but not limited to biopsies, except when performed at the time of an emergency sickness or injury; except as specified under the NonEmergency Treatment (Benefit 10).

4. Losses incurred due to:

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

(ii) your self-inflicted injuries, unless medical evidence establishes that the injuries are related to a mental health illness. Except as provided under Medical Health Care Benefit 15.

5. Medical treatment and expenses incurred while in your country of origin.

6. A medical condition that originated while visiting your country of origin during the period of coverage or any condition wholly or partly, directly or indirectly, related thereto.

7. If you are Canadian, any act of terrorism directly or indirectly caused by, resulting from, arising out of or that is in connection with biological, chemical, nuclear or radioactive means.

8. For inbound insured, an act of terrorism.

9. An act of war.

10. The participation by you or a dependent in:

•  protests; or

•  armed forces activities; or

•  a commercial sexual transaction; or

•  the commission or attempted commission of any criminal offence; or

•  the contravention of any statutory law or regulation in the area where the loss occurred.

11. Any sickness, injury or medical condition, for which a diagnosis need not have been made, where the policy is purchased or the trip is undertaken for the purpose of securing medical treatment or advice.

12. Loss, death or injury, if at the time of the loss, death or injury, evidence supports you were affected by, or the medical condition causing the loss was in any way contributed to by:

•  your use of alcohol, prohibited drugs or any other intoxicant; or

•  your non-compliance with the prescribed treatment or medical therapy before or after the effective date; or

•  your use of medication or drugs that have not been approved by the appropriate government authority; or

•  your misuse of medication.

13. Any treatment, investigation or hospitalization which is a continuation of, or subsequent to, an emergency, except as specified under the Non-Emergency Treatment benefit.

14. Any treatment, investigation or hospitalization which exceeds 30 days following the initial day that outpatient treatment began unless approved in advance by the Assistance Centre.

15. Travelling against the advice of a physician or any loss resulting from a sickness or medical condition that was diagnosed by a physician as terminal prior to the effective date of this policy.

16. Injury resulting from training for, competing or participating in:

•  motorized speed contests;

•  stunt activities;

•  any professional sports activities where you are paid for your participation whether you win or lose; or

•  high-risk activities

17. Any loss incurred as a result of pregnancy, abortion, miscarriage, childbirth, or complications thereof, except as specifically provided under the Maternity Benefit (Benefit 5).

18. Medical expenses incurred by an infant 14 days old or less.

19. 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.

20. Cosmetic surgery unless such surgery is a result of a covered sickness or injury.

21. Any medical consultation that is elective or related to a prior elective procedure.

22. Dental care, services or supplies, except as specifically provided under Accidental Dental (Benefit 11), Dental Emergencies (Benefit 12) or Wisdom Teeth (Benefit 13).

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

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

25. Loss or repair of or damage to eyeglasses, contact lenses, hearing aids and/or prescriptions for any of these items.

26. General assessments or checkups, or any services requested by a third party.

27. 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 Air Transportation /Return to Country of origin benefit.

28. The purchase of:

a) medications or drugs not approved for use by the appropriate government authority;

or

b) patent or proprietary medications; or

c) vitamins or vitamin preparations; or

d) drugs or medications which can be purchased without a prescription; or

e) acne medications; or

f) nicotine resin products; or

g) dietary supplements or weight loss products; or

h) quantities of any drug or medication which exceed a 30-day supply within one month prior to the policy expiry date; or

i) contraceptives prescribed for any purpose, with the exception of the “morning-after pill”, which is limited to one per period of coverage; or

j) contraceptive consultation or testing, except as specifically provided under Physical Exam (Benefit 7); or

k) fertility drugs or testing; or

l) drugs, medications, or other costs paid for by any other agency; or

m) experimental drugs, preventative medications or vaccines (except as specifically stated in Benefit 19).

29. Any loss incurred outside of your country of study, except for loss due to acute emergency hospital and other covered emergency costs due to sickness or injury occurring during the period of coverage while you are travelling, other than your country of origin, provided you spend the majority of the period of coverage within your country of study.

30. Benefits are not payable for costs incurred due to any loss incurred in a city, region, or country when prior to the effective date, the Canadian Government issued a warning to avoid all travel, or to avoid non-essential travel to that city, region, or country, and such injury or sickness is due to, contributed to by, or resulting from the reason for the warning.

For more information, please review the Policy Wording. 

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