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
Covered
Laboratory Diagnostics / X-Ray
Covered
Prescription Medications
Covered (No Sub Limit)
Dental Pain Relief
Max $300
Emergency Dental Repair
Max $4,000
24-hour Emergency Assistance Center
Included
ambulanceTransportation
Covered
Emergency Home Return / Evacuation
Included
Repatriation of Remains
Max $3,000
Cremation / Burial
Max $3,000
Stable Pre-existing Medical Conditions Coverage
Included, if Selected
Private Duty Nurse / Medical Attendant
Included
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 $700/Category
Accidental Death
N/A
Double Dismembernent
N/A
Single Dismembernent
N/A
Bedside Companion Accommodation / Transportation
Airfare $3,000+ $500 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
N/A
Trip-Break Benefit
Included

You are not eligible for coverage under this policy if any of the following apply to you:

• you are travelling against the advice of a physician;

• you have been diagnosed with a terminal illness with less than 2 years to live;

• you have a kidney condition requiring dialysis;

• you have used home oxygen during the 12 months prior to the date of application;

• you have been diagnosed with Alzheimer's disease or any other form of dementia;

• you are under 30 days or over 85 years of age (over 69 years of age for $150,000 Emergency Medical coverage);

• you reside in a nursing home, home for the aged, other long-term care facility or rehabilitation centre;

• you require assistance with activities of daily living

If you are making a claim under this benefit, we will need:

• original receipts for all bills and invoices;

• proof of payment made by you and/or by any other benefit plan;

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

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

• proof of travel dates for side-trips outside Canada; and

• a copy of your ticket and passport confirming travel dates and entry into Canada.

How To make a claim

To make a claim due to sickness or injury during your trip, please call the

       Assistance Centre at: 1 877 878-0142

         Toll-free from the USA and Canada.

                  +1 (519) 251-5166

Collect to Canada from anywhere else.

Immediate access to the Assistance Centre is also available through its TravelAid mobile app. To download the app, visit: http://www.active-care.ca/en/travelaid/

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 we would normally pay under this insurance. If it is medically impossible for you to call when the emergency happens, the 20% co-insurance will not apply. In this case, we ask that you call as soon as you can or that someone call 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 us where possible; and monitor your medical condition.

Please mail all original receipts, bills and invoices to:

Manulife Financial Travel Insurance

c/o Active Care Management

P.O. Box 1237, Stn. A

Windsor, ON N9A 6P8

Your claim must be sent to us within 90 days of your loss. Ensure you keep a copy of your receipts, bills and invoices for your records.

To determine which documents are needed for each type of claim, refer to the insurance plan under which you are filing a claim.

To obtain a refund of premium:

 a) If you are cancelling your policy because your application for a Parent and Grandparent Super Visa was refused, you must provide proof of visa refusal with your request for a full refund. Otherwise, you can ask for a full refund at any time before the effective date of your insurance.

b) If you obtain Canadian government health insurance plan coverage, or return home before the date you were scheduled as per your confirmation, and have not reported or initiated a claim, you may ask for a refund of the premium for the unused days of your trip. You will need to provide proof of the date you actually returned home or the effective date of your Canadian government health insurance plan coverage. Simply contact us to ask for a refund. All travellers insured under the same policy must return together or have Canadian government health insurance plan coverage in effect for a refund to be possible. Minimum premium refund amount is$25.

c) If you hold a Parent and Grandparent Super Visa and have purchased 365 days of coverage, and are requesting a partial refund due to your early return to your home or departure from Canada and:

 

• have had no claim that has been reported, paid or denied, - unused premiums (minimum of $25) may be refunded when you have provided proof of return to your home or departure from Canada: or

 

• have reported a claim or have a payable claim for which the payment has not been issued or the total amount of all reported eligible claim expenses will not exceed the deductible amount, or if a claim has been denied, - you may apply to have such claim withdrawn and, subject to our approval, the unused premium may be refunded less a handling fee of $300 per claim, which will be deducted from any amount to be refunded. Any expenses related to any claim that you withdraw, will be your responsibility for payment.

• a claim has been paid, - no refund is possible.

A written request to cancel this policy must be received within 60 days following the date you return home along with proof of your departure from Canada. In no event will we back-date a cancellation to more than 60 days prior to the date of receipt of your cancellation request. If your cancellation request must include a copy of your return airline ticket or a copy of your boarding pass, and a copy of every page of your passport to verify that you did not visit Canada between the date you returned home and the date you submitted your refund request and a statement saying that you have not incurred any paid claims and will not report or submit any claims against this policy. Once any refund of premium has been requested, no expenses will be accepted for consideration under the policy, regardless of the date the expense was incurred. Refunds will be credited to the same credit card used to charge the premium. No refunds are available for Trip Interruption Insurance after the effective date, side-trips or Trip Breaks.

We will not pay any expenses or benefits relating directly or indirectly to:

 1. Any sickness that manifests during the waiting period even if related expenses are incurred after the waiting period.

2. For Plan A –

a) any medical condition, diagnosed or undiagnosed, which existed or for which you sought or received medical advice, consultation or investigation, or for which treatment was required or recommended by a physician, within the 180 days prior to the effective date;

b) any heart condition if, in the 180 days before the effective date, you required any form of nitroglycerin for the relief of angina pain; and/or

c) any lung condition if, in the 180 days before the effective date, you required treatment with oxygen or Prednisone for a lung condition.

 

3. For Plan B –

a) a pre-existing condition that is not stable in the 180 days before the effective date of insurance;

b) any heart condition if, in the 180 days before the effective date, you required any form of nitroglycerin for the relief of angina pain; and/or

c) any lung condition if, in the 180 days before the effective date, you required treatment with oxygen or Prednisone for a lung condition.

4. Expenses for a pre-existing condition for which you were hospitalized either more than once, or for at least two (2) consecutive days, in the 12-month period before your effective date of insurance.

5. Covered expenses that exceed the reasonable and customary charges that normally apply where the medical emergency occurs.

6. Covered expenses that exceed the maximum insured amount available under the plan you have purchased.

7. Any expenses or benefits if the information provided on the application for insurance is not truthful and accurate or you did not meet the eligibility requirements under this coverage.

8. Covered expenses that exceed 80% of those we would normally pay under this insurance, if you do not contact the Assistance Center within 24 hours of hospitalization, unless your medical condition makes it medically impossible for you to call (in that case, the 20% co-insurance does not apply).

9. Any treatment that is not for an emergency.

10. Continued treatment of a medical condition when you have already received emergency treatment for that condition during your trip, if our medical advisors determine that the medical emergency has ended.

11. Magnetic resonance imaging (MRI), computerized axial tomography (CAT) scans, sonograms, ultrasounds or biopsies, cardiac cauterization, angioplasty and/or cardiovascular surgery including any associated diagnostic test(s) or charges unless approved in advance by the Assistance Center prior to being performed. All surgery must be authorized by the Assistance Center prior to being performed except in extreme circumstances where surgery is performed on an emergency basis immediately upon admission to hospital.

12. A medical condition:

• when you knew, before you left home, or before the effective date of coverage, that you would need or be required to seek treatment for that medical condition during your trip; and/or

• for which it was reasonable to expect before you left home or before your effective date of coverage, that you would need treatment during your trip; and/or

• for which future investigation or treatment was planned before you left home; and/or

• which produced symptoms that would have caused an ordinarily prudent person to seek treatment in the 3 months before leaving home; and/or

• that had caused your physician to advise you not to travel.

13. Any emergency and non-emergency medical services for any injury that occurred or sickness that started or was treated during any trip break that you have taken or after the number of days permitted for your side trip outside of Canada.

14. An emergency resulting from mountain climbing requiring the use of specialized equipment, including carbines, 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.

15. Self-inflicted injuries, unless medical evidence establishes that the injuries are related to a mental health illness.

16. Committing or attempting to commit a criminal act.

17. Not following a recommended or prescribed therapy or treatment.

18. Any loss, injury or death related to intoxication, the misuse, abuse, overdose, or chemical dependence on medication, drugs, alcohol or other intoxicant.

19. Any loss resulting from your minor mental or emotional disorder.

20. a) Your routine prenatal care; b) your pregnancy or childbirth or complications thereof when they happen in the 9 weeks before or after the expected date of delivery; c) your child born during your trip.

21. For insured children under 2 years of age, any medical condition related to a birth defect.

22. Any benefit that must be authorized or arranged in advance by the Assistance Center when it has given no authorization or made no arrangement for that benefit.

23. Any emergency that occurs or recurs after our medical advisers recommend that you return home following your emergency treatment, and you choose not to.

24. Any death or injury sustained while piloting an aircraft, learning to pilot an aircraft or acting as a member of an aircraft crew.

25. For consecutive policies with no interruption in coverage and policy extensions: any medical condition which first appeared, was diagnosed or for which you received medical treatment, after the scheduled departure date and prior to the effective date of the subsequent policy or insurance extension.

26. Any follow-up visits outside Canada when the emergency occurred in Canada.

27. Any medical condition you contract or suffer in a specific country, region, or city when a Government of Canada Travel Advisory, issued before your departure to that country, region, or city advises Canadians to avoid all or non-essential 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.

28. Any act of war or act of terrorism.

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