Frequently asked questions (FAQ)

If you already have coverage, simply call Customer Service. 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 certificate issued by us; and
4. there has been no change between single or family coverage.

Note:

For certificate 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 certificate.  If you have a medical condition or pending claim, approval of the extension is subject to the approval.

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 Scotia 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.

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

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.

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. Scotia 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 Scotia Travel Insurance plan.

If you are already on your trip, you can extend coverage by calling Customer Service provided there has been no claim, no injury, sickness, 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 approval.

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.

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.

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.

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