Manulife

Benefits

– Maximum medical emergency benefits: $15,000; $25,000; $50,000; $100,000 and $150,000. – Emergency hospital: semi-private room or intensive care unit when medically necessary.
– Ambulance transportation: the use of a licensed local ambulance service. – Emergency air transportation: the cost of one-way economy airfare, stretcher or air ambulance to transport you to your home country, and a medical assistant if needed. * – Diagnosis: Tests needed to diagnose or find out more about your condition. ** – Medical services .
– Private Duty Registered Nurse while in the hospital. – Medical Devices – The rental or purchase (whichever is less) of a hospital bed, wheelchair, brace, crutch, or other medical device.
– Follow-up visits are covered until the treating physician or Manulife medical advisors declare the end of the medical emergency. – Professional medical services referred by a physician: treatment received from a licensed chiropractor, osteopath, acupuncturist, chiropodist, physical therapist or podiatrist, up to $70 per visit up to a maximum of $700 for a covered injury.
– Maple telemedicine service – 24/7 medical consultation service that connects you in minutes to a Canadian licensed primary care physician for an assessment, diagnosis and prescription as needed. Maple is currently available in ON, BC, NS, MB, NL, AB, PEI, NB, QC, NU, and YT. Call the Assistance Center and request Maple service. – Prescription drugs
– Accidental Dental: Up to $4,000 for the repair or replacement of your natural or permanently bonded artificial teeth damaged by an accidental blow to the mouth.
– Dental emergencies: up to $300 for relief of dental pain. – Expenses related to death from a covered medical condition: up to $3,000 per container and to prepare or cremate the body, plus expenses to return the body or ashes to the country of origin, or up to $3,000 for burial at the place of death. *
– Meals and Lodging – Up to $150 per day up to a maximum of $1,500 for hotel, meals, essential calls and taxi fares, if a medical emergency prevents you or your travel companion from returning home as originally planned. *
– Expenses to bring someone to your bedside: up to $3,000 for airfare and up to $500 for hotel and meals for someone to accompany you, if you are traveling alone and are admitted to a hospital for 5 days or more. *
– Expenses to return your travel companion: If you are a repatriate or evacuee (returned home due to illness or death), Manulife will cover the cost of one-way airfare in economy class, to return your travel companion home (one person traveling with you and insured under the Manulife travel insurance plan). *
– Child care expenses: up to $100 per day up to a maximum of $300 per trip, if you are admitted to the hospital. *
– Expenses for the return of the children at your expense, if you are admitted to the hospital for more than 24 hours. *
– Hospital Allowance: Up to $100 per 24-hour period up to a maximum of $300 for out-of-pocket telephone and television expenses, if you are hospitalized for more than 72 hours.
– Travel breaks for a temporary return visit to your home country are available when approved by Manulife. – Flight Coverage to/from Canada: When coverage is purchased before you leave home with an effective date equal to your scheduled arrival date and time in Canada, coverage will also be provided at no additional premium during your uninterrupted flight directly to Canada . An uninterrupted flight can include a layover as long as you don’t leave the airport. When the expiration date is the same as the date and time you are scheduled to depart Canada, coverage will also be provided at no additional premium during your uninterrupted flight from Canada directly home.
OPTIONAL BENEFIT: – Trip Interruption: Up to $1,500 for individual coverage or $5,000 per family if your trip is interrupted due to a covered event.
* These benefits must be authorized and managed by the Assistance Center. ** Magnetic resonance imaging (MRI), computed axial tomography (CAT), sonograms, sonograms or biopsies, cardiac catheterization, angioplasty, and/or cardiovascular surgery, including associated diagnostic tests or charges, must be approved in advance by the Assistance. Center before being made. All surgery must be authorized by the Assistance Center before being performed, except in extreme circumstances where the surgery is performed on an urgent basis immediately after hospital admission.

Exclusions

Manulife will not pay any expenses or benefits related directly or indirectly to: 1. Any illness or disease suffered during the waiting period. 2. For Plan A:
a) any medical condition, diagnosed or undiagnosed, that existed or for which you sought or received medical advice, consultation, investigation, or for which treatment was required or recommended by a physician, within 180 days prior to the effective date. b) any heart condition if, in the 180 days prior to the effective date, you required any form of nitroglycerin to relieve angina pain; and/or c) any lung condition if, in the 180 days prior to your 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 prior to the effective date of insurance; b) any heart condition if, in the 180 days prior to the effective date, you required any form of nitroglycerin to relieve angina pain; and/or c) any lung condition if, in the 180 days prior to your 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 more than once, or for at least 2 consecutive days, in the 12-month period before your insurance effective date. 5. Covered expenses in excess of the reasonable and customary charges that normally apply when the medical emergency occurs. 6. Covered expenses that exceed the maximum insured amount available according to the plan you have purchased. 7. Any expenses or benefits if the information provided in the insurance application is not true and accurate or if you have not met the eligibility requirements under this coverage. 8. Covered expenses in excess of 80% of what Manulife 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 you call (in that case, the 20% coinsurance does not apply).
9. Any non-emergency treatment. 10 Continued treatment of a medical condition when you already received emergency treatment for that condition during your trip, if Manulife’s medical advisors determine that the medical emergency is over. 11. Magnetic Resonance Imaging (MRI), Computerized Axial Tomography (CAT) scans, ultrasounds, sonograms or biopsies, cardiac catheterization, angioplasty and/or cardiovascular surgery, including associated diagnostic tests or charges, unless the Assistance Center pre-approve it. before being done. All surgery must be authorized by the Assistance Center before being performed, except in extreme circumstances where the surgery is performed on an urgent basis immediately after hospital admission. 12. A medical condition:
• when you learned, before you left home, or before the effective date of coverage, that you would need or seek treatment for that medical condition during your trip; and/or • for what was reasonably expected before you left home, or before the effective date of coverage, that you would need treatment during your trip; and/or • for which further investigation or treatment was planned before you left home; and/or • produced symptoms that would have caused a normally prudent person to seek treatment in the 3 months before leaving home; and/or • that has caused your doctor to advise you not to travel. 13. Any non-emergency and emergency medical services for any injury that has occurred or illness that began or was treated during any travel break you have taken or after the number of days allowed for your side trip outside of Canada. 14. An emergency resulting from mountain climbing that requires the use of specialized equipment, including carabiners, crampons, pegs, anchors, bolts, and lead rope or top rope anchoring equipment to ascend or descend a mountain; rock climbing; skydiving, parachuting, hang gliding or the use of any other aerial sports device; enter a motorized speed contest; or your professional participation in a sport, snorkeling or diving when that sport, snorkeling or diving, is your main gainful occupation.
15. Self-inflicted injuries, unless medical evidence establishes that the injuries are related to a mental health condition. 16. Committing or attempting to commit a criminal act. 17. Failure to follow recommended or prescribed therapy or treatment. 18. Any loss, injury, or death related to intoxication, misuse, abuse, overdose, or chemical dependency on medications, drugs, alcohol, or other intoxicants. 19. Any loss resulting from your mental disorder or less emotional. Minor mental or emotional disturbance means: • having anxiety or panic attacks, or • being in an emotional state or in a stressful situation. A minor mental or emotional disorder is one in which your treatment includes only minor tranquilizers or minor anti-anxiety medication (anxiolytics) or no prescription medication. 20. a) your routine prenatal care; b) your pregnancy or childbirth or complications thereof when they occur 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 you have not given authorization or made no arrangements for that benefit. 23. Any emergency that occurs or recurs after Manulife’s medical advisers recommend that you return home after your emergency treatment, and you choose not to. 24. Any death or injury sustained while flying an aircraft, learning to fly an aircraft, or acting as a member of the crew of an aircraft.
25. For consecutive policies without a break in coverage and policy extensions: any medical condition that first appeared, was diagnosed or for which you received medical treatment, after the scheduled departure date and before the effective date of the coverage. subsequent policy or extension of insurance. 26. Any follow-up visits outside of Canada when the emergency occurred in Canada. 27. Any medical condition or injury that you contract or sustain in a specific country, region or city when a Government of Canada Travel Advisory, issued prior to your departure to that country, region or city, advises Canadians to avoid all travel or those that are not essential. to that specific country, region, or city. In this exclusion, the “medical condition” is limited to, related to, or due to the reason for the Travel Advisory. 28. Any act of war or terrorism.

Claims

Call within 24 hours of hospitalization. If you do not contact the Assistance Center before receiving medical treatment, you will have to pay 20% of the medical expenses that Manulife normally pays under this insurance.

If it is medically impossible for you to call, we ask that you call as soon as possible or have someone call on your behalf. The Help Center will verify and explain your coverage; refer you to a medical provider; arrange to have your covered expenses billed directly to Manulife when possible; and monitor your medical condition. Your claim must be submitted to Manulife within 90 days of your loss. Be sure to keep a copy of your receipts, bills, and invoices for your records.

Mail all original receipts, bills, and invoices to:
Manulife Financial Travel Insurance
c/o Active Care Management
PO Box 1237 Stn. TO
Windsor, ON
N9A 6P8

1-617-663-3000
1-519-747-7000

Refunds

To get a premium refund
a) If you are canceling your policy because your Parent and Grandparent Super Visa application was denied, you must provide proof of Visa denial with your full refund application. Otherwise, you can request a full refund at any time before your insurance effective date.
b) If you are covered by the Canadian government health insurance plan, or return home before the scheduled date as confirmed by you, and have not reported or initiated a claim or received any support services, you may request a refund of the premium for unused days of your trip and 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 request a refund. All travelers insured under the same policy must return together or be covered by the current Canadian government health insurance plan for reimbursement to be possible. The minimum premium refund amount is $25.
c) If you have a Super Visa for Parents and Grandparents and have purchased 365 days of coverage and are requesting a partial refund due to your early return home or departure from Canada and: • You have not had any claims that have been reported, paid or denied – unused premiums (minimum $25) can be refunded when you have provided proof of return home or departure from Canada.
• You have reported a claim or have a payable claim for which payment has not been issued or the total amount of all reported eligible claim expenses will not exceed the deductible amount; You may request that such claim be withdrawn and, subject to our approval, Unused Premium may be refunded less a $300 processing fee per claim to be deducted from any amount to be refunded. Any expenses related to any claim you withdraw will be your responsibility to pay.
• when a claim has been denied or paid, no refund is possible. A written request to cancel this policy must be received within 60 days of the date of your return home together with proof of your departure from Canada. In no event will we return a cancellation to a date more than 60 days prior to the date we received 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 each page of your passport to verify that you did not visit Canada between the date you returned home and the date you submitted your request for reimbursement and a statement that you have not incurred any paid claims and will not report or make any claims against this policy. Once premium reimbursement has been requested, no expenses will be accepted for consideration under the policy, regardless of the date the expense was incurred. There are no refunds available for trip interruption insurance after the effective date, side trips or trip breaks.
NOTE: If you are visiting Canada on an IEC work permit, this policy will continue to provide eligible benefits not covered by your government health insurance plan.

1-617-663-3000
1-519-747-7000

Extensions

To extend your coverage, you must make your request before the expiration date or the date you were scheduled to return home based on your confirmation. If you have not had any change in your health status and you have not had any event that has resulted or may result in a claim against the policy since the effective date of the insurance, the extension can be issued upon request. Otherwise, the extension is subject to Help Desk approval. To avoid the waiting period, purchase your coverage extension prior to the expiration date of your existing Visitors to Canada policy issued by Manulife.

SECONDARY TRIPS: This insurance provides coverage while traveling outside of Canada (excluding your country of origin), as long as your secondary trip originates and ends in Canada and does not exceed the lesser of: 30 days per policy or 49% of your total number of coverage days. During your coverage period, if you take a trip outside of Canada that is longer than allowed under this policy, your Visitors to Canada coverage will be suspended for the remainder of your trip, but your coverage will not be cancelled. When you return to Canada, your coverage will resume. Proof of travel dates is required for travel outside of Canada in the event of a claim.

Eligibility

WHO CAN APPLY?

• Visitors to Canada;
• Canadians who are not eligible for benefits under a government health insurance plan;
• Persons who are in Canada on a work visa or Parent and Grandparent Super Visa; or
• New immigrants who are awaiting Canadian government health insurance plan coverage.

Eligibility requirements

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; and/or
• you require assistance with activities of daily living. Activities of daily living means eating, bathing, using the toilet, changing positions (including getting in and out of a bed or chair) and dressing.

Stable medical condition means that:

• you have not had a new symptom(s); and
• existing symptom(s) have not become more frequent or severe; and
• a physician has not found that the medical condition has become worse; and
• no test findings have shown that the medical condition may be getting worse; and
• a physician has not provided, prescribed, or recommended any new medication, or any change in medication; and
• a physician has not provided, prescribed, or recommended any new treatment, or any change in treatment; and
• there has been no hospitalization or referral to a specialist or specialty clinic; and
• a physician has not advised referral to a specialty clinic or a specialist or further testing, and there has been no testing for which the results have not yet been received.

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. The following is not considered a change in medication:

• change from a brand-name drug to an equivalent generic drug of the same dosage;
• a routine adjustment in the dosage of your medication, as a result of your blood levels only, if you are taking Coumadin (warfarin) or insulin and are required to have your blood levels tested on a regular basis, and your medical condition remains unchanged.