Single-Trip Emergency Medical Travel Insurance for Canadians
Emergency Medical benefits up to $10 million to cover expenses for:
- Emergency treatment
- Paramedical services
- Ambulance transportation
- Emergency dental treatment
- Emergency medical evacuation home
- Repatriation of bodily remains
- Bringing someone to your beside
- Return home of children in the care of the insured
- Return home of travel companion
- Additional expenses for meals and hotel
- Return home of vehicle
- Hospital allowance
- Child care
- Return of excess baggage
- Phone call expenses
- Pet return
- Trip break for Single Trip plans
- Return to original trip destination
- Terrorism coverage
Conditions, limitations and exclusions apply. See the policy for details.
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.
Applicants age 60 or over need to complete the Medical Questionnaire to determine their eligibility and rate category.
Emergency Medical coverage can be purchased for trips up to the number of days allowed by the insured's government health insurance plan.
Application & Medical Questionnaire
- Can be completed up to 180 days prior to the effective date.
- Single-Trip plans must be purchased for the entire duration of the trip.
Eligibility and Rate Category
At the time of application, if the applicant is:
Under Age 60:
you automatically qualify for Rate Category A. You must confirm your eligibility to purchase this plan and you do not need to complete any medical questions to determine your rate category.
Over Age 60:
you need to complete the medical questionnaire to determine your eligibility and rate category.
Individual Medical Underwriting Plan for any age,
if you would like your pre- existing medical conditions
to be covered with no stability requirements, you can apply for emergency medical coverage under Manulife’s Individual
Medical Underwriting Plan.
Simply call 1-877-884-8283.
You will need to be able to answer questions related to your medical condition(s) and will need to know your travel dates and your agent’s selling code in order to receive a quote.
Your cost will vary according to your specific health needs and circumstances.
When you pay the quoted premium for the Individual Medical Underwriting Plan, your pre-existing medical conditions will be covered during your trip with no stability requirement.
TRAVEL TIP: Be sure to review your policy and all documents when you purchase the Manulife Individual Medical Underwriting Plan to ensure that all your medical conditions have been disclosed and that you have answered all questions truthfully and accurately. If you omit or inaccurately disclose any medical condition, you may not be covered for any condition in the event of a claim.
Rate category determines the duration of the stability period required for coverage of a pre-existing medical condition.
|TIME PERIOD||3 months||6 months||6 months|
Manulife Financial Travel Insurance will not cover any expenses relating to a…
Pre-existing condition:that was not stable in the time period before the effective date of your insurance;
Heart condition:if, in the time period before the effective date of coverage, any heart condition has not been stable or required any form of nitroglycerine for the relief of angina pain;
Lung condition:if, in the time period before the effective date of coverage, any lung condition has not been stable or has required treatment with oxygen or Prednisone for the lung condition.
Pre-Existing Condition"Pre-Existing condition" is defined in the policy as a medical condition that exists before the effective date of insurance.
Medical Condition"Medical condition" means sickness, injury, disease, or symptom(s), or complication of pregnancy within the first thirty-one (31) weeks of pregnancy.
Stable medical condition means all the following:
- there has not been any new symptom(s);
- existing symptom(s) have not become more frequent or severe;
- a physician has not determined that the medical condition has become worse;
- no test findings have shown that the medical condition may be getting worse;
- a physician has not provided, prescribed, or recommended any new medication, or any change in medication;
- a physician has not provided, prescribed or recommended investigative testing, any new treatment or any change in treatment;
- there has been no admission to a hospital or referral to a specialty clinic or specialist;
- a physician has not advised referral to a specialist or further testing, and there has been no testing for which the results have not yet been received.
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
A full refund must be requested before the effective date of coverage.
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, 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 outside of Canada, including the extension, does not exceed the maximum allowed by your government health insurance plan;
- 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.
- Premium rates are in $CDN per person.
- Emergency Medical Family Coverage rates are based on the eldest traveller under 60 years of age:
- 1.5 X the premium rate for one parent/grandparent travelling with dependent children/grandchildren;
- 2 X the premium rate for two parents/grandparents travelling with dependent children/grandchildren;
- 3 X the premium rate for three generations of parents and grandparents with dependent children/grandchildren.
- Rates are subject to change without notice.
- Premium due is based on:
- The rate category;
- The age at the time of application; and
- The trip length.
- Number of coverage days for Single-Trip plans must include each day of the trip including:
- The date of departure; and
- The date of return.
- The date of departure; and
- Coverage will not take effect if the applicant's method of payment is not honoured when presented for payment.
Savings and Deductibles
5% Travel Companion Savings :When a travel companion also purchases any Manulife Financial Emergency Medical Plan, premium is reduced by 5% for each traveller.
Family Coverage for Any Emergency Medical Plan:All family members must be named on the confirmation and must be under age sixty (60) and a minimum of thirty (30) days of age. Family Coverage can include:
1. One parent/grandparent travelling with their children/grandchildren = 1.5 X the premium of the eldest traveller
2. Two parents/grandparents travelling with their children/grandchildren = 2 X the premium of the eldest traveller
3. Up to four parents/grandparents travelling with their children/grandchildren = 3 X the premium of the eldest traveller
For Family Coverage all family members must have coverage that starts and ends on the same dates.
Savings Combinations:Family Coverage and Travel Companion savings cannot be combined.
Deductible Savings Options:All published premium rates include a zero deductible. Select one of the following deductible options (the amount that the insured is responsible for per claim), in order to reduce the premium by the corresponding percentage.
* $CAD per insured per claim
- 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 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.