Visitors To Canada

Offers protection from the cost of emergency medical treatment.

All applicants must not:
be travelling against the advice of their physician;
have a diagnosis of a terminal illness with less than 2 years to live;
have a kidney condition requiring dialysis;
have used home oxygen during the 12 months prior to the date of application;
have been diagnosed with Alzheimer’s disease or any other form of dementia;
be under 30 days or over 85 years of age (over 69 years of age for $150,000 Emergency Medical coverage) on your effective date;
reside in a nursing home, home for the aged, other long term care facility or rehabilitation centre; and/or
require assistance with activities of daily living including eating, bathing, using the toilet, changing positions (including getting in and out of a bed or chair), and dressing.
Choose either Plan A or Plan B.
Plan A does not provide coverage for pre-existing medical conditions. Family coverage available up to age 59.
Plan B provides coverage for medical conditions that are stable for 180 days before the effective date of insurance and is available to applicants up to age 85 (69 for $150,000 coverage). Plan B applicants 40 years of age and over must complete the medical questionnaire.
Deductible savings are available.
Travel Accident

Plans and provides coverage for an individual trip.

Optional Trip Interruption

For those who have prepaid travel arrangements and want to protect themselves if their trip is interrupted, this insurance is available for purchase with all plans and provides coverage for an individual trip.

Overview of Emergency Medical Benefits*

Emergency medical attention including hospital and physician services
Paramedical services
Ambulance transportation
Emergency dental treatment
Preparation and return of mortal remains
Emergency air transportation home
Additional meals and hotel
Visit to bedside if travelling alone
Childcare
Return of children
Trip Break
*Exclusions, conditions, and limitations apply. See the policy for details.

Overview of Optional Trip Interruption Benefits*

Up to $1,500 for single coverage and $5,000 for family coverage
Reimbursement of prepaid portion of the trip that is non-refundable and non-transferable to another travel date for a covered event
Highlights of insured risks:
Medical condition or death of the insured (or the insured’s travel companion)
Medical condition or death of the insured’s (or the insured’s travel companion’s) immediate family
Emergency hospitalization or the death of the insured’s host during the trip
*Exclusions, conditions, and limitations apply. See the policy for details.

Travel Accident

Travel Accident insurance is included with the purchase of Emergency Medical Insurance and 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, within 365 days of the accident, Manulife will pay $50,000.
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, within 365 days of the accident, Manulife will pay $25,000.
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.
*Exclusions, conditions, and limitations apply. See the policy for details.

Visitors to Canada travel insurance – who is eligible?

All applicants must meet the Coverage Eligibility criteria in the application for insurance.
Visitors to Canada;
Canadians who are not eligible for benefits under a government health insurance plan issued by a Canadian province or territory;
Persons who are in Canada on a work visa; or
New immigrants who are awaiting coverage by government health insurance from a Canadian province or territory.
Applicants age 85 or less can choose from $15,000, $25,000, $50,000 or $100,000 coverage levels.

Applicants age 69 or less can choose $150,000 coverage with the Single-Trip plan.

Coverage for side trips
This insurance provides coverage while travelling outside Canada as long as the side trip originates and terminates in Canada and does not exceed the lesser of 30 days per policy or 49% of the total number of coverage days.

Trip Break
This insurance allows the policyholder to return home without terminating their coverage, if the policyholder has requested and received prior approval from the Assistance Centre. Coverage will be suspended but will not be terminated while the policyholder is at home. The suspension of coverage will end and coverage will be reinstated when the policyholder arrives back in Canada. There will be no refund of premium for any of the days during any return home.

To apply for coverage, the applicant must complete the application for insurance no longer than 365 days* prior to the effective date of insurance.
The policy may only be issued in Canada and coverage must not exceed 365 days.
Application for insurance may be made before or after arrival in Canada. The applicant will be subject to a waiting period if insurance is purchased after arrival in Canada.
All applicants must meet the Eligibility Requirements. Plan B applicants who are 40 years of age or older must complete the Medical Questionnaire to determine eligibility for Plan B.
A waiting period will apply, except in the case of injury, if insurance is purchased after arrival in Canada or after the expiry date of an existing Visitors to Canada policy issued by us.
On the effective date of insurance, the applicant must be in Canada and meet the eligibility requirements.
The applicant may not be covered under more than one plan during a trip.
A $75 (CDN) deductible will apply to each Emergency Medical claim made under this policy, unless the applicant chose No Deductible, $500 Deductible or $1,000, $2,500 or $5,000 Deductible option per claim and paid the applicable premium.
*Exception: Unless the applicant is applying for a visa and requires proof of insurance more than 365 days prior to the effective date of insurance.

Eligibility requirements

The applicant is not eligible for coverage for any plan if the applicant:
is travelling against the advice of a physician;
has been diagnosed with a terminal illness with less than 2 years to live;
has a kidney condition requiring dialysis;
has used home oxygen during the 12 months prior to the date of application;
has been diagnosed with Alzheimer’s disease, or any other form of dementia;
is under 30 days or over 85 years of age (over 69 years of age for $150,000 Single-Trip Emergency Medical coverage);
resides in a nursing home, home for the aged, other long term care facility or rehabilitation centre; and/or
requires assistance with eating, bathing, using the toilet, changing positions (including getting in and out of a bed or chair) and dressing.
Plan B
To be eligible for Plan B, applicants must:
be between the ages of 30 days and 85 years (69 years if purchasing $150,000);
truthfully answer ‘No’ to all questions on the Medical Questionnaire if 40 years of age or older.

Pre-existing Condition Exclusion

The Pre-existing Condition Exclusion that applies depends on the plan purchased.

Plan A – we will not pay any expenses relating to:

any medical condition, diagnosed or undiagnosed, which existed or for which you sought or received medical advice, consultation, investigation, or for which treatment was required or recommended by a physician, within 180 days before the effective date of insurance;
any heart condition if, in the 180 days before the effective date, the applicant required any form of nitroglycerine for the relief of angina pain; and/or
any lung condition if, in the 180 days before the effective date, the applicant required treatment with oxygen or prednisone for a lung condition.

Plan B – we will not pay any expenses relating to:

a pre-existing condition that is not stable in the 180 days before the effective date of insurance;
any heart condition if, in the 180 days before the effective date, the applicant required any form of nitroglycerine for the relief of angina pain; and/or
any lung condition if, in the 180 days before the effective date, the applicant required treatment with oxygen or prednisone for a lung condition.
“Pre-existing condition” is defined in the policy as a medical condition that exists before the effective date of insurance.

Stable means a medical condition for which:
no new symptom(s) have arisen; and
existing symptom(s) have not become more frequent or severe; and
the physician has not determined that the medical condition has become worse; and
no test findings have shown that the medical condition may be getting worse; and
no new treatment or change in treatment has been prescribed or recommended by a physician; and
no hospitalization or referral to a specialty clinic or specialist has taken place; and
no physician has advised that a specialist should be seen or that further tests should be taken, and there are no test results outstanding; and
no new medication has been received, prescribed, taken or recommended by a physician, nor has there been any change in medication.*
*Exceptions: the routine adjustment of Coumadin, warfarin, insulin to control diabetes (as long as the medication is not newly prescribed or stopped) and a change from a brand-name medication to a generic brand medication (provided that the dosage is not modified).

Coverage starts on the later of:

the effective date of insurance as shown in the confirmation; or
the time and date the applicant arrives in Canada from home.

Coverage ends on the earliest of the following:
each time the applicant leaves Canada to return home;
when the policy expires, as shown in the confirmation;
when the applicant becomes a resident of a nursing home, home for the aged or other long term care facility during their trip;
no more than 365 days after the effective date of insurance; or
the first day the applicant becomes insured under a government health insurance plan.

Waiting period:

A waiting period applies if the insurance is purchased after arrival in Canada and applies to any claim that is not the result of an accidental bodily injury. The waiting periods are:
the 48-hour period following the effective date of insurance if the insurance is purchased within 30 days of arrival in Canada
the 8-day period following the effective date of insurance if the insurance is purchased more than 30 days after arrival in Canada
The waiting period will be waived:
in case of accidental bodily injury; or
if the applicant purchased this policy prior to the expiry date of an existing Visitors to Canada policy already issued by Manulife, to take effect on the day following such expiry date, provided that there is no increase in the coverage amount or change in the plan selected.

Refunds and Extensions

Refunds:

To obtain a refund of premium (minimum $25.00)
If the applicant cancels the policy at any time before the effective date of insurance; or
If the applicant obtains government health insurance plan coverage from a Canadian province or territory, or returns home before the scheduled date of return (as per the confirmation) and there has been no claim reported or initiated or assistance services have not been provided;
If you hold a Parent and Grandparent Super Visa (PG-1 VISA) and are leaving Canada permanently, you may request a partial refund if you provide proof of your departure from Canada and have not reported or initiated a claim or been provided with any assistance service.
Then the applicant may ask for a refund of the premium for the unused days of the trip.

All travellers insured under the same policy must return together or be covered under a government health insurance plan from a Canadian province or territory for a refund to be possible.
No refunds are available for Trip Interruption Insurance after the effective date.

Extensions:

Automatic extension of coverage is provided beyond the date the applicant was scheduled to return home as per the confirmation if:
the common carrier is delayed. In this case, we will extend the coverage for up to 72 hours;
the applicant or their travel companion is hospitalized. In this case, we will extend the coverage during the hospitalization and for up to 5 days after discharge from the hospital;
the applicant or their travel companion has a medical condition that does not require hospitalization but prevents travel. In this case, we will extend the coverage for up to 5 days.
In any case, we will not extend coverage beyond 12 months after the effective date of insurance.
To extend the coverage, the applicant must make the request before the expiry date or the scheduled date of return (as per the confirmation). If the applicant has not had a change in their health status and has not had any event since the effective date of insurance that has resulted or may result in a claim, the extension may be issued upon request. Otherwise, the extension is