Frequently Asked Questions (FAQ)

Visitors to Canada

Please contact us at 1-800-565-2338 8:30 am to 8:00 pm (ET), Monday to Friday.

Savings / Surcharge on premium Deductible amount($CDN) per claim
5% surcharge $0
0% surcharge $75
15% savings $500
20% savings $1,000
25% savings $2,500
35% savings $5,000

The published rates for all Emergency Medical Plans include a $75 deductible per claim. The following deductible options and savings are available for the Emergency Medical plan:

Please note: Deductible amounts apply to emergency medical coverage only. Deductible options are not available on the Trip Interruption plan.

Yes, family coverage is available for Plan A Emergency Medical and Travel Accident as well as Trip Interruption plans. It is not available for Plan B Emergency Medical. Family coverage covers the applicant, the applicant’s spouse and dependent children, and all family members must be under age 60. Plan A Emergency Medical (which includes Travel Accident) is 2X the premium due for the oldest traveller under age 60. Trip Interruption is 3X the premium due for the oldest traveller under age 60.

To extend your coverage, you must make the request before the expiry date stated on your confirmation of coverage. If you have not had a change in your health status and have not had any injury, illness or symptom since your effective date of insurance that has resulted or may result in a claim, the extension may be issued upon request. If you have a medical condition or pending claim, the extension is subject to the approval of the Assistance Centre.

A refund is available if you cancel the policy at any time before the effective date of insurance (minimum $25.00).

When you obtain Canadian government health insurance plan coverage from a Canadian province or territory, or return home before the scheduled return date as per the confirmation, and no claim has been initiated or reported or assistance services have not been provided, refunds are available for the unused days of the trip (minimum $25.00).

If you are cancelling your policy because your application for the Visa was refused, you must provide proof of Visa refusal with your request for a full refund. If you have purchased 365 days of coverage, and 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 $25.00) may be refunded when you have provided proof of return to your home or departure from Canada.
  • 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, you may apply to have such claim withdrawn and, subject to our approval, unused premium may be refunded less a handling fee of $300.00 per claim which will be deducted from any amount to be refunded.
  • your claim has been denied or paid, no refund is possible.

 

We ask you to call our Assistance Centre so that we can confirm your enrolment under the plan and, with the health care provider, manage the benefits in accordance with your policy. By calling the Assistance Centre, you may avoid any out-of-pocket expenses. If you do not call the Assistance Centre, you will have to pay 20% of the medical expenses normally covered under this policy. If it is medically impossible for you to call, have someone call on your behalf. It is your responsibility to ensure that the Assistance Centre has been notified. See your policy for details.

The policy states that some benefits will only be covered if they have been authorized and arranged by the Assistance Centre.  Read your policy carefully and call the Assistance Centre in the event of any medical emergency.

Under this policy, the maximum number of coverage days is 365 days. Upon expiry of a policy that has been in effect for 365 days (366 days in a leap year), you may purchase another policy for the following term if you are eligible for coverage.

To apply for coverage, an applicant or someone on his/her behalf may complete and sign the Visitors-to-Canada application.  If someone other than the applicant completes the application, that person must ensure that he/she has full authorization to apply on behalf of the application and full knowledge of the applicant’s health information to complete the application accurately. Any incorrect statements on the application may make the policy null and void.

This benefit allows you to return home without terminating your coverage if you have requested and received prior approval from the Assistance Centre. Coverage will be suspended but will not be terminated while you are at home. The suspension of coverage will end and coverage will be reinstated when you arrive back in Canada. There will be no refund of premium for any of the days during your Trip Break. Note: this policy will not cover any expenses or benefits relating to any emergency medical and/or non-emergency medical services for any injury that occurred or sickness that started during your Trip Break.

In order to be covered under this plan, children* have to be at least 30 days old. *Child, Children means your unmarried, dependent son or daughter, who travels with you during your trip and is:

  1. at least 30 days of age but under 21 years of age; or
  2. over 21 years of age and mentally or physically disabled and dependent on you for support.

Students

Please contact us at 1-800-565-2338 (ET) 8:30 a.m. to 8:00 p.m., Monday to Friday.

Please refer to the Government of Canada website for their recommendation on this matter: https://travel.gc.ca/travelling/documents/travel-insurance

Government health insurance plans do have limits on the reimbursement of the emergency medical expenses incurred while in another province. For example, air and ground ambulance costs, emergency dental treatment and prescription drugs, as well as follow-up visits or outpatient visits or non-emergency medical services, might not be covered outside the province or territory of residence. Unlike Canadian provincial or territorial government health insurance plans, Manulife Financial Travel Insurance for Students also offers tuition protection in the event of a medical emergency. For maximum protection you should purchase additional medical coverage even while travelling within Canada. You can also insure your spouse and children who will live with you while you are covered under this policy.

This coverage is available up to and including the age of 44. Any dependent children covered under your family plan must be a minimum of 30 days old.

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

  

  1. your period of coverage does not extend beyond 365 days;
  2. you remain eligible for insurance under this plan;
  3. we have received the extension requests prior to the expiry date of your existing policy issued by us; and
  4. 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.  If you have a medical condition or pending claim, approval of the extension is subject to the approval of the Assistance Centre.

Yes.

Yes, you will need to purchase a family plan and have the parent’s children named on the application and listed on your confirmation of coverage.

The Manulife Financial Travel Insurance for Students plan applies no deductible amount to claims.

In the event of a medical emergency, you are eligible for coverage regardless of whether you are treated in a clinic, doctor’s office or hospital.  However it’s important that you contact our Assistance Centre prior to receiving any treatment.

We ask you to call our Assistance Centre so that we can confirm your enrolment under the plan and, with the healthcare provider, manage the benefits in accordance with your policy.  By calling the Assistance Centre, you may avoid out-of-pocket expense. If you do not call, you will have to pay 20% of the medical expenses normally covered under this policy.  If it is medically impossible for you to call, please have someone call on your behalf. It is your responsibility to ensure that the Assistance Centre has been notified.

As outlined in our insurance policies, it is essential that you contact our Assistance Centre prior to receiving medical treatment. The Assistance Centre has existing relationships with certain medical providers all over the world to help ensure emergency situations are handled as smoothly as possible. Our Assistance Centre will communicate with your medical provider, arrange direct billing where possible and coordinate payment for the emergency service received. See policy for details. 

Manulife will provide a confirmation for the premium payment, which is an official receipt recognized by Canada Revenue Agency.

The Assistance Centre will explain coverage, monitor care, pre-approve treatment and confirm enrolment to the service provider and explain the coverage to healthcare providers to help ensure that medical services are provided in accordance with the benefits of your policy.

Under this policy, the maximum number of coverage days is 365 days. Upon expiry of a policy that has been in effect for 365 days (366 days in a leap year), you may purchase another student policy for the following term if you are eligible for coverage.

If your home country is Canada and you have purchased coverage for an outbound trip, you are covered for emergency and Wellness Benefits (non-emergency medical benefits) while travelling outside Canada for the period of coverage shown on your confirmation.

If your home country is not Canada and you have purchased coverage for an inbound trip, you are covered for emergency medical benefits while you travel outside Canada, excluding your home country, for periods of up to fifteen (15) consecutive days, provided your travel outside Canada does not exceed 49% of your period of coverage and as long as your travel outside Canada originates and terminates in Canada.

Yes. The Trip Break benefit offers up to twenty-one (21) consecutive days for a return home if you have requested and received prior approval from our Assistance Centre. Your coverage will be suspended but will not terminate while you are home. Your suspension of coverage will end and your coverage will be reinstated when you arrive in Canada if you are inbound, or when you leave Canada if you are outbound, or when you leave home if you are a national student. There will be no refund of premium for any of the days during your Trip Break. Note: this policy will not cover any expenses or benefits relating to any emergency medical and/or non-emergency medical services for any injury that occurred or sickness that started during your Trip Break.

Travelling Canadians

Please contact us at 1-800-565-2338 (ET) 8:30 a.m. to 8:00 p.m., Monday to Friday.

Please refer to the Government of Canada website for their recommendation on this matter: https://travel.gc.ca/travelling/documents/travel-insurance

You can choose to purchase coverage for the entire time you are away from your province of residence or just for the portion of your trip that is away from Canada. In other words, the effective date of coverage can be either the last day you are in your province of residence or the last day you are in Canada. As government health insurance plans vary among the provinces and most do not provide emergency return home benefits, you should consider coverage for the full length of your trip.

Government health insurance plans do have limits on the reimbursement of the emergency medical expenses incurred while in another province. For example, air and ground ambulance costs, emergency dental treatment and prescription drugs might not be covered outside your province of residence. For maximum protection, purchase additional medical coverage even while travelling within Canada.

Yes. Manulife Financial Travel Insurance allows top-up coverage of another insurer’s plan. You are responsible for ensuring that your current coverage is in force and allows top-up. Your top-up coverage is subject to the terms and conditions of the Manulife Financial Travel Insurance plan.

If you are already on your trip, you can extend coverage by calling our Assistance Centre provided there has been no claim, no injury, illness, or symptom has occurred that would give rise to a claim, or a change in your health. In addition, you must request the extension before your coverage expires and pay the appropriate premium. If you have a medical condition or pending claim, approval of the extension of your coverage is subject to the approval of our Assistance Centre.

If you have a Multi-Trip Plan, you must top up your coverage before you leave home by purchasing an Emergency Medical Top-Up plan for the additional number of days beyond the duration provided by your Multi-Trip.

Manulife has a travel insurance plan specially designed for International students in Canada as well as for Canadian students studying abroad or within Canada but away from their principal province or territory of residence. See the applicable policy for details.

Yes, grandchildren fall under our definition of a dependent but the dependent grandchild must be named on the confirmation, you must pay the premium for Family Coverage, and all travellers covered under a family policy must be under 60 years of age.

Actually, you can buy family coverage. We will make the eldest child travelling the policyholder, and then your other children travelling with the eldest will be the insured under a family policy provided they are named on the application and listed on the confirmation of coverage and you pay the premium for Family Coverage.

Yes.

Yes, you will need to purchase a family plan and have the parent’s/grandparent's children/grandchildren listed on the confirmation of coverage. Family coverage for all family members must start and end on the same dates.

The published rates for all plans include a zero deductible. The following deductible options and savings are available for the Single-Trip Emergency Medical Plan and the Multi-Trip Emergency Medical Plan:

Default table styling
Savings on premium Deductible amount($CAD)
10% $500
15% $1,000
30% $5,000
35% $10,000

Please note: Deductible amounts apply to emergency medical coverage only. Deductible options are not available on the Single-Trip All-Inclusive plans or the Multi-Trip All-Inclusive plans.

Yes, if a breakdown of your car prevents you from travelling on your expiry date, we will extend coverage for up to 72 hours.

A medical emergency is eligible for coverage if treated in an outpatient clinic or doctor’s office. You must contact our Assistance Centre prior to receiving any treatment.

We ask you to call our Assistance Centre so that we can confirm your enrolment under the plan, and, with the healthcare provider, manage the benefits in accordance with your policy.  By calling the Assistance Centre, you may avoid out-of-pocket expenses. If you do not call the Assistance Centre, you will have to pay 20% of the medical expenses normally covered under this policy. If it is medically impossible for you to call, please have someone call on your behalf. It is your responsibility to ensure that the Assistance Centre has been notified.

As outlined in our insurance policies, it is essential that you contact our Assistance Centre prior to receiving medical treatment. The Assistance Centre has existing relationships with certain medical providers all over the world, to ensure emergency situations are handled as smoothly as possible. Our Assistance Centre will communicate with your medical provider, arrange direct billing where possible and coordinate payment of the emergency service received. See policy for details.

Manulife will provide a confirmation for the premium payment, which is an official receipt recognized by Canada Revenue Agency.

In order to be covered under this plan, children have to be at least 30 days old.