To be eligible for insurance under this policy, an applicant must be a resident of Canada and covered under a Canadian provincial or territorial government health insurance plan and travelling within Canada. 

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

There are no exclusions for any pre-existing medical condition in this plan.

Effective Dates and Expiry Dates

Coverage starts on the later of:

• the departure date; or
• the effective date as shown on the confirmation

Coverage ends on the earliest of the following:

• the expiry date as shown on the confirmation;
• the date the policyholder returns home;
• the day  you leave Canada.

You may ask for refund of premium provided no claim has been paid, incurred or reported under this policy. A full refund must be requested before the effective date of coverage (start of the trip).

If you return home early, you can apply for a partial refund of premium (minimum $25.00) for the unused coverage providing there has been or will be no claim reported or initiated against the policy, that no assistance service has been provided and that you as the policyholder have mailed a written refund request within 5 days of your return, along with proof of the date you actually returned home. Proof of early return (for example, customs or immigration stamp, gas receipts) is required.

All travellers insured under the same policy must return together to be eligible for a refund.

Extensions:

If you are already on your trip and need to apply for an extension of your coverage, before the expiry date of your existing coverage, simply call the agent or broker from whom you purchased your coverage. You may be able to extend your coverage, as long as:

• the total length of your trip is within Canada;
• you pay the additional premium; and
• there has been no event that has resulted or may result in a claim against the policy; and
• there has been no change in your health status.

1. Premium rates are in $CDN per person.
2. Emergency Medical Family Coverage rates are based on the eldest traveller under 60 years of age:
   1. 1.5 X the premium rate for one parent/grandparent travelling with dependent children/grandchildren;
   2. 2 X the premium rate for two parents/grandparents travelling with dependent children/grandchildren;
   3. 3 X the premium rate for three generations of parents/grandparents with dependent children/grandchildren.
3. Rates are subject to change without notice.
4. Premium due is based on:
   1.     The rate category;
   2.     The age at the time of application; and
   3.     The trip length.
5. Number of coverage days must include each day of your trip including:
   1.    The date of departure; and
   2.    The date of return.

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.