To be eligible for insurance under this policy, an applicant must be a resident of Canada and covered under a government health insurance plan.

Applicants age 60 or over need to complete the Medical Questionnaire to determine their eligibility and rate category.

Manulife Financial Trip Cancellation & Interruption Insurance will not cover any expenses or benefits relating to any medical condition that was not stable in the three (3) months before the effective date of coverage.

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.

Medical Condition

“Medical Condition’ means any disease, sickness or injury (including symptoms of undiagnosed conditions).

Trip Cancellation & Interruption Benefits 

• Up to $3,500 per insured per trip and $6,000 per policy for the Multi Trip All-Inclusive plan.

• Reimbursement of prepaid portion of the trip that is non-refundable and non-transferable to another travel date for a covered event.

Highlights of some of the insured risks:

• Unexpected medical emergency or death of insured (or insured's travel companion)
• Unexpected medical emergency or death of insured's (or insured's travel companion's) immediate family or key person.
• Cancellation of a business meeting.
• Canadian Government issues a Travel Advisory regarding the travel destination.
• Travel visa not issued.
• The person whose guest the insured will be during trip has a medical emergency and is admitted to a hospital or dies.
• Missed connection.

This coverage relates to the loss of, damage to, and delay of baggage and effects. This insurance provides coverage for the following expenses:   

• Up to $100 for replacement of a lost or stolen passport, driver's license, birth certificate or travel visa.  
•  Up to $500 for necessary toiletries and clothing when luggage is delayed by the carrier for at least 10 hours while the insured is enroute. 
• Up to $300 per trip for any item or set of items to a maximum of $1,000.

*Other conditions, limitations and exclusions, apply. See the policy for details.

Flight & Travel Accident Insurance covers the following benefits:

• If an accidental bodily injury causes the insured to die, to become completely and permanently blind in both eyes or to have two limbs fully severed above the wrist or ankle joints, in the 12 months after the accident, Manulife will pay: $100,000 under Flight Accident Insurance; or $50,000 under Travel Accident Insurance.
  
• If an accidental bodily injury causes the insured to become completely and permanently blind in one eye or have one limb fully severed above a wrist or ankle joint in the 12 months after the accident, Manulife will pay: $50,000 under Flight Accident Insurance; or $25,000 under Travel Accident Insurance.
  
• If the insured has more than one accidental bodily injury during the trip, Manulife will pay the applicable insured sum only for the one accident that entitles the insured to the largest benefit amount.

*Other conditions, limitations and exclusions, apply. See the policy for details.

Effective Dates and Expiry Dates 

Coverage starts on the later of:

Trip Cancellation coverage, on the later of:

• the effective date shown on the confirmation; or
• the date the policyholder purchased their trip.

Emergency Medical coverage starts

• each date you leave your province or territory of residence and
• each date you leave Canada on or after the effective date shown on your confirmation.

For all other coverages, on the later of:

• each date the policyholder leaves their province or territory of residence;
• the effective date shown on the confirmation;

Coverage ends on the earliest of the following:

Trip Cancellation coverage, on the earlier of:

• the departure date;
• the date the policyholder cancels their trip;
• the expiry date shown on the confirmation.

For all Multi-Trip plans, Emergency Medical coverage ends on the earliest of:

• the date you return home;
• the expiry date, as stated on your confirmation; or
• when travelling outside ends on the earliest of the maximum trip-length you purchased for each trip, as stated on your confirmation.

For all other coverages, on the earlier of:

• the date the policyholder returns home;
• the expiry date shown on the confirmation.

Refunds and Cancellations are not permitted on any All-Inclusive plans. 

1. Premium rates are in $CDN per person.
2. Rates are subject to change without notice.
3. Premium due is based on:
   1. The rate category; and
   2. The age at the time of application;
   3. the trip length selected.

Coverage will not take effect if the applicant's method of payment is not honoured when presented for payment.

• Contact the Assistance Centre before receiving treatment while on a trip. Manulife Financial Travel Insurance has a 20% co-insurance provision that may limit the benefits if you do not call or contact the Assistance Centre. In addition, specific covered eligible benefits may be limited or not covered if the Assistance Centre has not been contacted. 
• If you are submitting a paper application, make sure it is 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.