Benefits

1. Emergency Hospital
We agree to pay for semi-private hospital accommodation and for reasonable and customary costs for services and supplies for your emergency care during confinement as a resident in-patient.

2. Emergency Medical
We agree to pay for:

• The reasonable and customary costs for services of a legally licensed physician, surgeon or anaesthetist.
• Diagnostics, lab tests and/or x-ray examinations as ordered by a physician for the purpose of diagnosis.
• The use of a licensed local land or sea ambulance to the nearest hospital. If an ambulance is unavailable, we will reimburse up to $150 for taxi expenses.
• Private duty services of a registered graduate nurse (who is not related to you by blood or marriage), up to $15,000.*
• Rental of crutches, wheelchair or hospital-type bed (standard non-electric model only), not exceeding the purchase price; the cost of splints, trusses, braces or other approved prosthetic appliances; initial purchase of casts; artificial limbs, eyes or other approved prosthetic or medical appliances.*
• Oxygen and rental of equipment for its administration.*
• Blood and blood plasma, except when donated.

* Must be pre-approved by the Assistance Centre.

3. Professional Services
The services of a legally licensed physiotherapist, chiropractor, chiropodist, osteopath, podiatrist, acupuncturist, naturopath and speech therapist (all of whom are not related to you by blood or marriage). A referral from a physician is required for acupuncturist and naturopath. Not to exceed $600 per practitioner per calendar year.

4. Drugs or Medications
Prescription drugs or medications that require a physician’s written prescription, up to a maximum of $10,000 not exceeding a one-month supply.

5. Maternity Benefit
We agree to reimburse up to $25,000 for the costs, provided that the pregnancy commenced during the period of coverage and the costs are incurred in the country of study, for:

• pre-natal care (including but not limited to tests and prescribed medication), and
• involuntary termination of pregnancy or resulting complications.
  No benefits will be payable for expenses incurred for childbirth, voluntary termination of pregnancy, or post-natal care.

6. Eye Examination
When a minimum of 12 consecutive months of coverage has been purchased, we agree to reimburse the services of a registered optometrist for diagnostic procedures to determine the presence of any observed abnormality in the visual system. Limited to one visit in any 12 consecutive months of coverage.

7. Physical Examination
When a minimum of 12 consecutive months of coverage has been purchased, we agree to reimburse the cost of one routine physical examination or one consultation and prescription for the “morning-after pill” in any 12 consecutive months of coverage, to a maximum of $150.

8. Emergency Air Transportation / Return to Country of Origin
If a covered sickness or injury necessitates your immediate transportation or return to your country of origin, we agree to pay the cost of one-way transportation by the most appropriate means, including the use of an air ambulance or stretcher accom-modation and medical escort if deemed medically necessary by the Assistance Centre, to the nearest appropriate medical facility or to your country of origin. To be eligible for reimbursement, the Assistance Centre must pre-approve these costs.

9. Transportation of Family
We agree to reimburse up to a maximum of $5,000 for the cost to transport one member of your family by round-trip economy class (using the most direct route), and $150 per day up to a maximum of $1,500 for the reasonable and customary costs incurred by the member of your family after arrival if:

• the attending physician advises the necessary attendance by such a person; or
• the local authorities legally require the attendance of a member of your family to identify your remains in the event of your death due to a covered sickness or injury.

10. Non-Emergency Treatment
When required as a result of a covered emergency sickness or injury, up to $3,000 will be paid to continue medical treatment.

Must be pre-approved by The Assistance Centre.

11. Accidental Dental
We agree to reimburse you up to $5,000 for emergency treatment or services to repair or replace your natural or permanently attached artificial teeth (including capped or crowned teeth) caused by an accidental blow to the face.
Treatment relating to any dental claim must be completed no later than 90 days after treatment began and must be completed prior to your return to your country of origin.

12. Dental Emergencies
We agree to reimburse you up to $600 for the immediate relief of acute dental pain caused by other than a blow to the face.

Treatment relating to any dental claim must be completed no later than 90 days after treatment began and must be completed prior to your return to your country of origin.

13. Wisdom Teeth
We agree to reimburse you up to $150 per tooth for dental and/or oral surgical proce-dures which are necessary for the extraction of impacted wisdom teeth.

14. Return of Deceased
In the event of your death due to a covered sickness or injury, we will pay up to $15,000 for the return of your remains in a standard transportation container to your country of origin; or up to $5,000 for the cremation or burial of your remains at the place of death.

The cost of a coffin, urn or funeral service, is not covered.

15. Mental Health Care
We agree to reimburse the expenses incurred for treatment of mental, nervous or emotional disorders, as follows; :

• inpatient hospitalization, up to a lifetime maximum of $25,000; and
• outpatient services, up to a maximum of $1,000 in any 12 consecutive months of coverage.

16. Prescription Glasses, Contact Lenses, and Hearing Aids
We will pay up to a maximum of $200 for prescription glasses, contact lenses and hearing aids required as a result of accidental injury. This benefit does not cover the repair or replacement of prescription glasses, contact lenses and/or hearing aids.

17. Tutorial Services
We will pay up to $20/hour to a maximum of $400 for the costs of a qualified private tuto-rial service in the event you are hospitalized for 30 consecutive days or more.

18. Trauma Counselling
We will pay up to a maximum of $500 for trauma counselling within 90 days from the date of your emergency covered under this policy. Our maximum liability is $5,000 per event under this policy and all other policies issued by the company within one calendar year. Where the aggregate eligible claims within a calendar year exceed this limit, the eligible claims will be reduced on a pro-rata basis and will be paid at the end of the year.

19. Tuberculosis Testing and Vaccination
We will pay up to a maximum of $100 for tuberculosis testing and vaccination or immunization during 12 consecutive months of coverage, provided the minimum term of insurance purchased is 180 days with no lapse in coverage. Coverage for tuberculosis testing is not payable if testing is mandated by the school board or school as a requirement for program enrolment.

20. Accidental Death & Dismemberment
The insurer agrees to pay up to a maximum sum insured of $10,000, for loss of life, limb or sight occurring during the period of coverage resulting directly from accidental injury. The total aggregate limit for all losses under Accidental Death & Dismemberment is $10 million.

• Flight Accident and Common Carrier
  as a result of an accident sustained during the period of coverage while riding as a fare-ticket passenger or while entering or leaving a lawfully operated licensed
  common carrier; or
• 24-Hour Accident
  as a result of an accident during the period of coverage in any other situation not specifically mentioned under a) above.
  
  Benefits are payable according to the following schedule. Only one amount is payable (the largest) if the insured suffers more than one of these losses.
  • 100% of sum insured resulting from the same accidental injury for loss of:
    • life; or
    • entire sight of both eyes; or
    • both hands; or
    • both feet; or
    • one hand and entire sight of one eye; or
    • one foot and entire sight of one eye.
  • 50% of sum insured resulting from the same accidental injury for loss of:
    • entire sight of one eye; or
    • one hand; or
    • one foot.

Loss of hand or hands, or foot or feet means severance through or above the wrist joint or ankle joint, respectively. Loss of eye or eyes means total and irrecoverable loss of the entire sight.

21. Terrorism Coverage (only for Canadians)
When an act of terrorism directly or indirectly causes an eligible loss under the terms and conditions of this policy, coverage is available for up to two (2) acts of terrorism within a calendar year and up to a maximum aggregate payable limit of $35 million for all eligible emergency medical in-force policies issued and administered by us. The amount payable for each eligible claim is in excess of all other sources of recovery including alternative or replacement travel options and other insurance coverage. The amount paid for all such claims shall be reduced on a pro rata basis so as to not exceed the respective maximum aggregate limit which will be paid after the end of the calendar year and after completing the adjudication of all claims relating to the act(s) of terrorism.

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 a 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 time of an emergency sickness or injury; except as specified under the Non-Emergency Treatment (Benefit 10).

4. Losses incurred due to:

• any loss resulting from your minor mental or emotional disorder; and/or
• 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 which 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. Losses incurred due to your participation in:

• protests; or
• armed forces activities; or
• a commercial sexual transaction; or
• the commission or attempted commission of any criminal offence or illegal act; or
• the contravention of any statutory law or regulation in the area where the loss occurred.

11. Any medical condition:

• when you knew, or for which it was reasonable to expect, before you left your country of origin, that you would need or be required to seek treatment for that medical condition; and/or
• when the purpose of your trip was to seek medical treatment for that medical condition.

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
• you not following treatment as prescribed to you, including prescribed or over-the-counter medication; or
• your non-compliance with 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.

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:

• mountain climbing which involves the ascent or descent of a mountain requiring the use of specialized equipment, including crampons, pickaxes, anchors, bolts, carabiners and lead or top-rope anchoring equipment;
• any skiing or snowboarding out of bounds, heliskiing, ski jumping;
• white water rafting (except grades 1 to 4);
• street luge or skeleton activity;
• any rodeo activity;
• skydiving and sky-surfing;
• any form of BASE jumping (ie: wingsuit flying);
• any speed event or other high-risk activity involving the use of a motor vehicle on land, water or air, whether on approved tracks or elsewhere;
• a professional sport, if that sport is your main paid occupation; or
• scuba diving (except if certified by internationally recognized and accepted program such as NAUI or PADI, or if diving depth does not exceed 30 meters).

17. Any loss incurred as a result of pregnancy, abortion, miscarriage, childbirth, or com- plications 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, including any expenses for directly or indirectly related complications unless such cosmetic 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 eye glasses, contact lenses, hearing aids and/or prescrip- tions for any of these items.

26. Any learning or educational assessments for Attention Deficit Hyperactivity Disorder (ADHD) or similar conditions or diagnosis.

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

28. 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 Transporta- tion /Return to Country of origin benefit.

29. The purchase of:

• medications or drugs not approved for use by the appropriate government authority; orç
• patent or proprietary medications; or
• vitamins or vitamin preparations; or
• drugs or medications which can be purchased without a prescription; or
• acne medications; or
• nicotine resin products; or
• dietary supplements or weight loss products; or
• quantities of any drug or medication which exceed a 30-day supply within one month prior to the policy expiry date; or
• contraceptives prescribed for any purpose, with the exception of the “morning-after pill”, which is limited to one per period of coverage; or
• contraceptive consultation or testing, except as specifically provided under Physical Exam (Benefit 7); or
• fertility drugs or testing; or
• drugs, medications, or other costs paid for by any other agency; or
• experimental drugs, preventative medications or vaccines (except as specifically stated in Benefit 19).

30. 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.

31. Any act of terrorism or medical condition you suffer or contract when:

• the Government of Canada issues a travel advisory to Avoid all travel or Avoid all non-essential travel to the region, city, or country of your destination; and
• the travel advisory is issued before your effective date.
  
  You can read all travel advisories on the Government of Canada Official Global Travel Advisory website.
  
  Note: This exclusion does not apply to claims for an emergency or medical condition that is not related to the travel advisory.

Claims

Travel assistance and CLAIM SUBMISSION, anywhere in the world

Before you travel, download the Manulife TravelAidTM mobile app through the Google PlayTM store or the Apple App Store®.

Features of Manulife TravelAid include:

• Start a Claim – begin the process to file a claim and track your claim status
• Contact Us – a direct link to the Assistance Centre for immediate medical assistance 24/7
• International 911 – search emergency phone numbers in other countries (GPS enabled)
• Find Medical Facility – find directions to the closest medical facility (GPS enabled)
• Travel Tips – pre- and post-departure
• Travel Advisories

To download the app, visit http://www.active-care.ca/en/travelaid/

Online Claims Submission is also available, visit https://manulife.acmtravel.ca to submit your claim online. For faster and easier submissions, have all your documents available in electronic format,such as a PDF or a JPEG.

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.

SEND YOUR CLAIMS TO:
Active Care Management
P.O. Box 1237, Stn. A
Windsor, ON N9A 6P8

Collect worldwide: + 1 (519) 945-1070
Toll free Canada/USA: 1-833-886-1070

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. Incomplete information will cause delay.

5. Failure to comply with the claims procedures will result in loss of rights to or reduction of, benefits available under this policy.

We need the following information if you are submitting a medical claim:

• original, itemized bills and invoices
• proof of payment by you (receipts)
• proof of payment from any other insurance plan or benefit plan
• applicable medical records, including:
  • complete diagnosis by the attending physician
  • documentation from the hospital that the treatment was appropriate and consistent with your diagnosis
  • documentation that states the treatment could not be delayed until you returned home without adversely affecting your condition and quality of medical care
  • under the Professional Services benefit, a letter from the referring physician recommending treatment by an acupuncturist and naturopath.
  • under Drugs benefit, original pharmacist, physician or hospital receipts indicating total drug cost, prescription number, name of medication, quantity, date and prescribing physician name
  • proof of the accident if you submit a claim for dental expenses that result from an accident
  • proof of travel, including your departure date and return date
  • your historical medical records, if we ask for them
  • proof of your school enrolment

We need the following information if submitting an accidental death or dismemberment claim:

• report from the police, coroner, or autopsy
• medical records
• death certificate, if applicable
• any other documents requested by the Assistance Centre after initial review of the claim.

Note: If your body is not found within 12 months of the flight or travel accident, we presume you died from your injuries.

Questions?
If you have any questions or concerns about our products or services, or your policy or claim please feel free to contact the Assistance Centre anytime:

Toll-Free
1-833-886-1070

Collect
1 + 519-945-1070

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.
304-155 Gordon Baker Road
Toronto, Ontario, Canada M2H 3N5
Tel: 1-855-337-3532

Underwritten by:

The Manufacturers Life Insurance Company (Manulife).
P.O. Box 670, Stn. Waterloo,
Waterloo, ON N2J 4B8

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:

• a written request; and
• a copy of your confirmation of coverage; and
• 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
• 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.

Extensions

Coverage will be automatically extended for up to 72 hours in the event of a delay during the period of coverage of the conveyance in which you are riding or are scheduled to ride as a passenger. This delay must be due to circumstances beyond your control and the conveyance must be scheduled to arrive during the period of coverage.

Coverage will be automatically extended for up to 5 days, if you are hospitalized due to a covered sickness or injury on or before the coverage expiry date.

Eligibility

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

• be a student enrolled in a school in Canada; or
• be an accompanying dependent* of an eligible student; and
• be currently in good health; and
• be less than 69 years of age at the time of application; and
• 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.

*Dependent means your legally married spouse or a person with whom you have been cohabitating in a common-law relationship for at least 12 consecutive months prior to the date of application; and

• any unmarried children residing with you, who are more than 15 days of age and age 25 or under and dependent upon you for their sole means of support; and
• your parent, stepparent, legal guardian, brother, sister, stepbrother, or stepsister who are living with the student while in the country of study.

Dependents are covered only when dependent coverage is selected and paid for at the time of application.

Student means a person:

• who regularly attends school, college, university, or other accredited educational institution; and
• who is enrolled in a minimum of 60% of the usual course requirements for the program in which they are enrolled; or
• who remains in their country of study for up to 60 days immediately after completion of studies as described under a) and b) of this definition.

School means a school, university, college or other recognized institution of learning that is accredited by the local authorities.

Pre-existing medical condition means any medical condition that exists prior to your effective date.

Stable means a medical condition is considered stable when all of the following statements are true:

• there has not been any new treatment prescribed or recommended, or change(s) to existing treatment (including a stoppage in treatment), and
• there has not been any change in medication, or any recommendation or starting of a new prescription drug, and
• the medical condition has not become worse, and
• there has not been any new, more frequent or more severe symptoms, and
• there has been no hospitalization or referral to a specialist, and
• there have not been any tests, investigation or treatment recommended, but not yet complete, nor any outstanding test results, and
• there is no planned or pending treatment.

All of the above conditions must be met for a medical condition to be considered stable.

Change in medication means the medication dosage, frequency or type has been reduced, increased or stopped, and/or new medication(s) has/have been prescribed. Exceptions: the routine adjustment of Coumadin, warfarin or insulin (as long as they are not newly prescribed or stopped) to test your blood levels; and a change from a brand name medication to a generic brand medication of the same dosage.

Destination Admissibilité – Assurance pour les étudiants étrangers

Pour les étudiants étrangers qui font des études au Canada: Pour être admissible à la couverture, il faut, à la date d’entrée en vigueur:

• être un étudiant inscrit auprès d’un établissement d’enseignement au Canada; ou
• être une personne à charge* qui accompagne un étudiant admissible; et
• être actuellement en bonne santé; et
• avoir moins de 69 ans au moment de la souscription; et
• ne pas être assuré ou admissible au titre d’un régime public d’assurance maladie canadien. Si vous devenez admissible et assuré au titre du régime public d’assurance maladie de la province ou du territoire où vous étudiez, l’assurance s’appliquera ensuite en excédent du régime public en question.

 * La couverture pour les personnes à charge n’est offerte qu’aux étudiants étrangers de 59 ans ou moins.

*Personne à charge – personne avec qui vous êtes marié légalement ou qui habite avec vous en tant que conjoint de fait depuis au moins douze (12) mois consécutifs avant la date de la proposition; et

• enfant non marié résidant avec vous, âgé d’au moins 15 jours et de 25 ans ou moins, et qui est entièrement à votre charge; et
• parents, parents par remariage, tuteur légal, frères, sœurs, demi-frères et demi-sœurs qui habitent avec l’étudiant dans le pays où les études sont entreprises.

Les personnes à charge ne sont couvertes que si la couverture pour les personnes à charge est sélectionnée et payée au moment de la souscription.

Étudiant – personne:

• qui fréquente régulièrement un établissement d’enseignement, un collège, une université ou une autre institution d’enseignement autorisée; et
• qui est inscrite à au moins 60 % des cours obligatoires habituels du programme auquel elle est inscrite; ou
• qui demeure dans le pays où elle fait ses études pendant une période maximale de 60 jours immédiatement après la fin des études décrites aux paragraphes a) et b) de la présente définition

Établissement d’enseignement – École, université, CÉGEP ou autre institution d’enseignement reconnue qui a obtenu l’autorisation des autorités locales.

État de santé préexistant – Tout état de santé qui existait avant votre date d’entrée en vigueur.

Stable – Un problème de santé est considéré comme stable lorsque tous les énoncés suivants sont vrais:

• Aucun nouveau traitement n’a été prescrit ou recommandé, ou le traitement en cours n’a pas été modifié ni interrompu; et
• Aucun changement de médication ou aucun autre médicament n’a été recommandé ou prescrit; et
• Le problème de santé ne s’est pas aggravé; et
• Aucun nouveau symptôme n’est apparu, ou il n’y a eu aucune aggravation ou augmentation de la fréquence des symptômes existants; et
• Il n’y a eu aucune hospitalisation ou recommandation de consulter un specialiste; et
• Il n’y a aucun examen, test médical à des fins d’investigation ou traitement recommandé, non complétés, ou pour lesquels les résultats sont attendus; et
• Il n’y a aucun traitement planifié ou en attente.

Toutes les conditions ci-dessus doivent être remplies pour qu’un problème de santé soit considéré comme stable.

Changement de médication – Diminution ou augmentation de la posologie ou de la fréquence d’un médicament, changement du type de medicament ou arrêt d’un médicament, ou prescription d’un nouveau médicament.