Manulife Financial

Manulife Financial

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You are not eligible for coverage under this policy if:

a)- The date of your trip occurs during the time that 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; you have a kidney condition requiring dialysis;

c)- You have used home oxygen during the 12 months prior to the date of application; and/or you have been diagnosed with Alzheimer’s disease or any other form of dementia.

d)- You are over 85 years of age.

You can choose either Plan A or Plan B.

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

a)- pre-existing medical conditions 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.

2-Plan B will not pay any expenses relating to:

a)- 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

No coverage for pre-existing medical condition for which insured was hospitalized more than once for 2 consecutive days during 12 months prior to effective date.

Please refer to the section “What is not covered under emergency medical insurance ” on page 9, 10 and 11.

1.-If you purchase prior to arrival (cannot be purchased more than 90 days before arrival)

2.- After Arrival:

a.-Within 30 days: 48-hour waiting period

b.-After 30 days: 8-day waiting period

  • Hospital & physician bills
  • Professional services: chiropractor, osteopath, physiotherapist, chiropodist or podiatrist- up to $300 per profession
  • Ambulance transportation
  • Emergency dental treatment- up to $300
  • Accidental dental treatment- up to $3,000
  • Bringing someone to your bedside-$3000
  • Meals, hotel, phone calls & taxi-max $1,500
  • Repatriation of remains- up to $6,000
  • Evacuation home
  • Return home of children
  • Childcare- max $300
  • Trip break

Full refund up to effective date, partial refund for early return (if no claim and minimum of $25)

Side trips outside Canada are covered in countries other than their country of origin for up to 49% of the total time insured under the policy to an overall maximum of 30 days.

Call prior to receiving medical treatment .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 when the emergency happens, the 25% co-insurance will not apply. In this case, we ask that you call as soon as you can or that someone call on your behalf.

24 hrs Assistance Centre at: 1 877 878-0142

Toll free from the USA and Canada. 1 519 251-5166

Claim Assistance: 1-866-228-6386 toll free Canada & USA. Please mail all original receipts, bills and invoices to:

Manulife Financial Travel Insurance c/o Active Care Management P.O. Box 1237 Stn. A Windsor, Ontario N9A6P8

Your claim must be sent to us within 90 days of your loss.Ensure you keep a copy of your receipts, bills and invoices for your records.

 

This summary is meant to be a “help guide” and does not exonerate you from the responsibility of reading the detailed terms, conditions, definitions and exclusions of the policy wording. In all instances, the official policy wording will prevail.

 Manulife Financial Policy Wording

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Visitors To Canada

Ideal if you are:

Tourist
Temporary resident of Canada
Returning Canadian resident
Work permit holder
COMING SOON!


 

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