International Students

No coverage is available under this policy if any applicant:

• is travelling contrary to medical advice;
• requires kidney dialysis;
• has used home oxygen anytime during the twelve (12) months prior to the date of application;
• has been diagnosed with a terminal illness with less than two (2) years to live.

Also, to be eligible for insurance under this policy, you must be:

•  under the age of 45; and
• a full-time student with proof of admission or enrolment in a recognized institute of learning; or
• a student completing post-doctoral research in a recognized institute of learning; or
• dependent(s) and/or the spouse of and residing with, a student covered under this insurance and named on the application; and
• purchasing coverage for an inbound trip, when your home country is not Canada and you are temporarily residing in Canada.

If you stay at your destination between semesters, you can re-apply for coverage as long as you have proof of enrolment in the following semester.

This policy will not pay any expenses or benefits relating to:

• A pre-existing medical condition which has not remained stable in the three (3) months before the effective date.
• Any pre-existing medical condition of a covered dependent that was not stable in the three (3) months before the date the dependent became covered under this policy.
• For covered dependents under two (2) years of age, any medical condition related to a birth defect whether genetic, acquired, or congenital.

Pre-existing medical condition

 means any medical condition that exists before the effective date. 

Stable

A medical condition is considered stable when all of the following statements are true:

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

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

*Exceptions: the routine adjustment of Coumadin, warfarin, insulin to control diabetes (as long as the medication is not newly prescribed or stopped) and a change from a brand-name medication to a generic brand medication (provided that the dosage is not modified).

Refunds

• You may cancel this insurance at any time before the effective date. If you return home early, you can apply for a refund of the premiums (minimum $50) for the unused coverage, providing there has been no incident which has resulted or will result in a claim or for which a claim was started against the policy and that you have mailed your written refund request within 5 days of your departure from Canada (within 5 days of your return home, for Canadians).
• All travellers insured under the same policy must return together for a refund to be possible.

Extensions

If you already have coverage, simply call the Assistance Centre. You may be able to extend your coverage as long as:

• the period of coverage does not extend beyond 365 days;
• you remain eligible for insurance under this plan;
• we have received the extension requests prior to the expiry date of the existing policy issued by us; and
• there has been no change between single or family coverage.

Note:

For policy extensions, no losses or expenses or benefits will be paid for any illness or injury which first appeared, whether diagnosed or not, or for which treatment may or may not have been received prior to the effective date of the extension of coverage under this policy.

1. For a single applicant,

    the premium rate is applicable to each day of coverage.

2. For family coverage

   (available for the applicant, spouse and dependent children when all family members reside together and are under age 45), the rate is two times the single applicant’s rate.

3. All applicants must be under the age of 45 and coverage must not exceed 365 days.
4. Premium rate is in $CDN per person.
5. Rates are subject to change without notice.
6. Number of coverage days must include each day of your trip including:
   1. The date of departure; and
   2. The date of return.
7. Coverage will not take effect if the applicant's method of payment is not honoured when presented for payment.
8. The minimum age for dependent children covered under a family plan is 30 days old. The maximum age for dependent children is under twenty-one (21) years of age. See policy for details.

Family coverage for any Emergency Medical Plan:

Available for applicant, spouse and dependent children (between 30 days and 21 years of age) subject to eligibility requirements, when all family members are under age 45. The rate is calculated at 2 x the premium for one person.

Deductible savings options are not offered under the Manulife Financial Travel Insurance for Students plan.

• Contact the Assistance Centre before receiving treatment while on a trip. Manulife Financial Travel Insurance has a 20% coinsurance provision that may limit the benefits if a call is not received. In addition, specific covered eligible benefits may be limited or not covered if the Assistance Centre has not been contacted.
• Make sure the application and confirmation are signed and dated prior to the effective date. If coverage is not arranged prior to the effective date, coverage begins on the day following Manulife's or the advisor/agent’s receipt of the executed confirmation form and payment. In the event we are unable to process payment, coverage will not be in effect.
• Read the policy with particular attention to "pre-existing medical condition" and other exclusions that apply to the coverage.
• The Wallet Card and Manulife Financial Travel Insurance policy should be kept with you at all times when travelling. The Wallet Card includes telephone numbers in case of an emergency or if an extension is required. The Wallet Card is found in the policy