Manulife Visitor to Canada Insurance

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Medical Expenses can be costly. Make sure that unpleasant surprises don`t spoil your trip

Visitors to Canada offers emergency medical coverage and more, along with single trip and multiple trips options. If you or someone you know is coming to Canada and would like to purchase travel insurance, then Visitors to Canada Plans provide protection and peace of mind for Canadian visitors.

What is visitors to Canada travel insurance, and why is it important?

When you travel to Canada, you want to ensure you are protected if you are injured, become ill, or experience a medical emergency during your visit. Even in Canada, emergency medical expenses can be very costly. This plan provides coverage for visitors to Canada for emergency medical expenses incurred in Canada or during a side trip outside of Canada, provided the side trip begins and ends in Canada.

Why should I buy Insurance from a Canadian Insurance Company instead of from a company in my own country?

When you require medical in a country other than your own you will usually find that even if you have insurance, you will still be required to pay for your care PRIOR TO TREATMENT, as Hospitals and other medical facilities do not consider themselves to be in the business of bill-collecting. The effort required for them to track down the proper department, in the proper company, in a foreign country (with associated long distance and other costs), and likely in a language they do not understand is seen as a significant distraction from their job as a healthcare provider. As such, if you can not pay for your treatment at the time the care is requirement, you may be refused treatment.

International Experience Canada (Youth Mobility) Insurance Available HereEmergency Medical Insurance for Visitors to Canada is ideal for:

*Visitors to Canada

*Canadians who are not eligible for benefits under a government insurance plan

*Persons who are in Canada on an International Experience Canada (Youth Mobility) Super Visa, Work Visa, or other Visa

*New immigrants who are awaiting government health insurance plan coverage

Administrated by: The Manufactures Life Insurance Company (Manulife Financial).

Underwritten by: The Manufactures Life Insurance Company (Manulife Financial).

24 hours Assistance Center: Active Care Management.


- Emergency Medical maximum benefits: $15,000; $25,000; $50,000; $100,000 and $150,000.

- Choose from Plan A or Plan B.

Plan A does not provide coverage for pre-existing medical conditions.

Plan B provides coverage for stable pre-existing medical conditions that are stable within 180 days before the effective date of the insurance. Applicants 35 years of age or over must complete the medical questionnaire (available online).

- Family coverage available for Plan A up to age 54.

- Deductible Discounts are available.

Emergency Medical Benefits

Please note: If the claim is a result of an act of terrorism, benefits may be limited.

- Emergency Medical Attention: Medical care received from a physician in or out of a hospital, the cost of a hospital room (semi-private room when available or an intensive care unit when medically necessary), the services of a licensed private duty nurse while you are in hospital, the rental or purchase (whichever is less) of a hospital bed, wheelchair, brace, crutch or other medical appliance, tests that are needed to diagnose or find out more about your condition, and drugs that are prescribed for you and are available only by prescription from a physician or dentist. Follow up visits are covered until the attending physician, or our medical advisors, declare the end of the medical emergency.

- Professional services due to covered risk - Care received from a licensed chiropractor, osteopath, chiropodist, physiotherapist or podiatrist, up to $300 per profession.

- Ambulance transportation.

- Emergency dental treatment - up to $300 for the relief of dental pain; or up to $3,000 if you suffer from an accidental blow to the mouth.

The following benefits must be authorized and arranged by the Assistance Centre:

- Expenses related to death from covered medical condition - up to $3,000 for container and to prepare or cremate the body, plus the expenses to return the body or ashes to the country of origin, or up to $3,000 for burial at place of death.

- Expenses to return home, if recommended by attending physician.

- Extra expenses for meals, hotel, phone calls and taxi - reimbursement of up to $150 per day to maximum of $1,500 for extra expenses for meals, hotel, phone calls and taxi due to medical emergency.

- Expenses to bring someone to your bedside if traveling alone and admitted to a hospital for three days or more, Manulife will pay up to $3,000 for airfare and up to $300 for hotel and meals for someone to be with you.

- Childcare expenses - up to $100 per day to a maximum of $300 per trip reimbursement.

- Return of children under your care, if you are admitted to hospital for more than 24 hours.

- Trip brakes for temporary visit back to your country of origin are available when approved by Manulife. OPTIONAL BENEFITS:

- Trip Interruption

Up to $1,500 for Single Coverage and $5,000 for Family Coverage If you have pre-paid travel arrangements and want to protect yourself if your trip is interrupted. This insurance is available for purchase with all plans and provides coverage for an individual trip.

- Travel Accident

Available for purchase with all plans and provides coverage for an individual trip.

- Top-Up Options

Top-Up coverage must be purchased prior to departure and is subject to an extra premium charge.

Single-Trip Emergency Medical Plan A can be used to top up Multi-Trip Emergency Medical Plan A, and Single-Trip Emergency Medical Plan B can be used to top-up Multi-Trip Emergency Medical Plan B. Top-ups can be purchased for maximum trip duration of 365 days.

EXCLUSIONS: Your coverage is subject to various exclusions, which are completely set out in the Exclusions section of the policy document. The following, although not an exhaustive list, are some of these exclusions:


You are not eligible for coverage if:

a) you have been advised by a physician not to travel;

b) you have been diagnosed with a terminal illness with less than 2 years to live;

c) you have a kidney condition requiring dialysis;

d) you have used home oxygen during the 12 months period to the date of application; and/or

e) you have been diagnosed with Alzheimer`s disease or any other form of dementia.


Coverage is available from 31 days to age 85 years. Maximum period of coverage is 365 days.


The published rates for all Emergency Medical Plans include a $75 deductible. The following deductible options and discounts are available: 15% discount for $500 deductible and 20% for $1,000 deductible. $0 deductible option is also available for visitors up to age 85.

WAITING PERIOD for illness:

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

No waiting period if the insurance policy is purchased before your arrival in Canada.


Plan A - Manulife will not pay any expenses relating to:

a) a pre-existing condition for which medication has been taken, received or prescribed and/or treatment has been received in the 180 days before the effective date of insurance;

b) any heart condition if, in the 180 days before the effective date, you required any form of nitroglycerine for the relief of angina pain; and/or

c) any lung condition, if in the 180 days before the effective date, you required treatment with oxygen or Prednisone for a lung condition.

Plan B - Manulife 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;

b) any heart condition if, in the 180 days before the effective date, you required any form of nitroglycerine for the relief of angina pain; and/or

c) any lung condition if, in the 180 days before the effective date, you required treatment with oxygen or Prednisone for a lung condition.

Expenses for a pre-existing condition for which you were hospitalized either more than once, or for at least two consecutive days, in the 12-months period before your effective date of insurance. 'Pre-existing condition' is defined in the policy booklet as a medical condition that exists before your effective date of insurance. Stable means a medical condition for which:

- There have been no new symptoms, and existing symptoms have not become more frequent or more severe, or there have been no test results showing deterioration; and/or

- A physician has not determined that the condition has become worse; and/or

- A physician (or other medical professional) has not prescribed or recommended a change in medication taken or medical care received for that condition;

- A physician (or other medical professional) has not prescribed or recommended a change in treatment for that medical condition

- There has been no admission to a hospital and/or you are not awaiting the results of further investigation for that medical condition.

Note: Each time you extend or purchase another policy from the insurance company because you are staying in Canada longer, each new or extended policy will have a new effective date and you will NOT be covered under the new or extended policy for any sickness, disease or bodily injury for which your had symptoms, hospitalization, taken medication or medical procedure at any time in the 180 days prior to your effective date.

PREGNANCY: Limited coverage is provided for complications that happen outside of the 9 week period before and the 9 week period after the expected delivery date IF the pregnancy commences AFTER the effective date of the policy. Your routine pre-natal care child delivery are NOT covered by this policy.


Manulife will not pay any expenses or benefits relating to:

- Continued treatment of a medical condition when you have already received emergency treatment for that condition during your trip and the medical emergency has ended.

- A medical condition resulting from hang-gliding, rock climbing, mountaineering, parachuting or skydiving.

- Participating in a motorized speed contest; or your professional participation in a sport, when that sport is your principal paid occupation.

- Your not following a recommended or prescribed therapy or treatment.

- Any loss, injury or death related to the misuse, abuse, overdose, or chemical dependence on medication, drugs, alcohol or other intoxicant, whether sane or insane.

- Your committing or attempting to commit a criminal act.

- A mental or emotional disorder (other than acute psychosis) that does not require admission to a hospital.

- Any emergency that occurs or recurs after Manulife`s medical advisors recommend that you return home following your emergency treatment, and you choose not to.

- Any death or accidental bodily injury sustained while piloting an aircraft, learning to pilot an aircraft or acting as a member of an aircraft crew.

- For policy extensions: sickness or injury which first appeared, was diagnosed or for which you received medical treatment, after the scheduled departure date and prior to the effective date of the insurance extension.

- Any follow-up visits outside of Canada when the emergency occurred in Canada.

- Any act of war or act of terrorism. IN THE EVENT OF AN EMERGENCY, YOU MUST CALL THE ASSISTANCE CENTRE IMMEDIATELY: 1-877-878-0142 toll free from Canada or the U.S., or 519-251-5166 collect call from anywhere else. If you do not contact the Assistance Centre before receiving medical treatment, you will have to pay 25% of the medical expenses we would normally pay under this insurance. If it is medically impossible for you to call, we ask that you call as soon as you can or that someone calls on your behalf. CLAIMS:

To make a claim due to illness or injury during your trip, please call the customer service centre: 1-877-878-0142 toll free Canada/U.S or 519-251-5166.

Your claim must be sent to Manulife within 90 days of your loss.

Ensure you keep a copy of your receipts, bills and invoices for your records.

Please, mail all original receipt, bills and invoices (make your own copy) to:

Manulife Financial Travel Insurance

c/o Active Care Management

P.O. Box 1237 Stn. A

Windsor, ON

N9A 6P8

If you disagree with the claim decision, the matter will be submitted to arbitration under the arbitration law in the Canadian province or territory where your policy was issued. Legal action to recover a claim must start within 12 months of the date the insurance monies would have been payable if it were a valid claim and be undertaken before courts of the Canadian province or territory where your policy was issued.


Who Can Apply?

- Visitors to Canada

- Canadians who are not eligible for benefits under a government health insurance plan

- Persons who are in Canada on a work or student visa

- New immigrants who are awaiting government health insurance plan coverage

- All applicants must meet the Coverage Eligibility.


This insurance provides coverage for up to 30 days while traveling outside Canada (excluding your country of origin), as long as the side trip originates and terminates in Canada and does not exceed 49% of the total number of coverage days. REFUNDS:

You may obtain a refund of premium

a) if you cancel your policy at any time before the effective date of insurance, you can ask for a full refund.

b) if you obtain Canadian government health insurance coverage, or return home before the date you were scheduled to as per your confirmation, and have not reported or had a claim, you may ask for a refund of the premium for the unused days of your trip (minimum $25).

Simply contact us to ask for a refund and provide proof of the date you actually returned home. EXTENSIONS:

To extend your coverage, you must make your request before your expiry date or the date you were scheduled to return home as per your confirmation. If you have not had a medical condition or have a pending claim since your effective date of insurance, the extension may be issued upon request. If you have, the extension is subject to the approval of the Assistance Centre.

Manulife Financial is a leading Canadian-based financial services company, operating worldwide, offering a diverse range of financial protection products and wealth management services. Manulife Financial is the largest life insurance company in Canada, the second largest in North America and the sixth largest in the world based on market capitalization.

Manulife Financial Corporation trades as `MFC` on the TSX, NYSE and PSE, and under `945` on the SEHK. What is covered under optional Trip Interruption Insurance?

If your trip is interrupted due to a covered event that occurs after the day you leave home, this insurance will pay for up to maximum of $1,500 for single coverage, or $5,000 for family coverage for

- the prepaid portion of your trip that is non-refundable and non-transferable, except prepaid unused transportation home; or

- your additional and unplanned hotel and meal expenses, your essential phone calls and taxi fares to a maximum of up to $300 per day for up to 2 days when no earlier transportation arrangements are available; and/or

- your one-way economy class airfare via the most cost-effective itinerary to return you home.

Events covered after you arrive in Canada from home include: your or your travel companion`s medical condition or death; immediate family member`s medical condition or death and/or emergency hospitalization or death of the person whose guest you are during your trip. The medical condition related to a covered event have to be stable in the 3 months before the effective date of insurance.

Note: This information is for illustrative purposes only. It is not an insurance policy. Travel insurance does not cover everything. For the complete terms, conditions, limitations and exclusions please see the policy wording online or refer to your policy booklet.


Manulife Visitors Insurance POLICY PDF

Manulife Financial and the block design are registered service marks and trademarks of The Manufacturers Life Insurance Company and are used by it and its affiliates, including Manulife Financial Corporation.

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