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    * keyboard_arrow_right Single-Trip Emergency Medical
    * keyboard_arrow_right Single-Trip All-Inclusive
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    * keyboard_arrow_right Trip Cancellation & Interruption
    * keyboard_arrow_right COVID19 Pandemic Travel Plan
   
    * Multiple Trips
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FRANÇAIS
FAQ
Home Travelling Canadians Single Trip All Inclusive


SINGLE TRIP ALL INCLUSIVE TRAVEL INSURANCE FOR CANADIANS


PLAN OVERVIEW

INCLUDES EMERGENCY MEDICAL, TRIP CANCELLATION & INTERRUPTION, BAGGAGE LOSS,
DAMAGE AND DELAY, FLIGHT & TRAVEL ACCIDENT.

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
 * Terrorism coverage

Conditions, limitations and exclusions apply. See the policy for details.


ELIGIBILITY

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.


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:

if you’re age 59 or younger, 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.


PRE-EXISTING MEDICAL CONDITION EXCLUSIONS


RATE CATEGORY DETERMINES THE PERIOD OF THE STABILITY REQUIRED FOR COVERAGE OF
ANY PRE-EXISTING MEDICAL CONDITION. RATE CATEGORIES ARE APPLICABLE TO

Emergency Medical Insurance.

RATE CATEGORY A B C TIME PERIOD 3 months 6 months 6 months


MANULIFE FINANCIAL TRAVEL INSURANCE WILL NOT PAY ANY EXPENSES FOR EMERGENCY
MEDICAL INSURANCE RELATING TO A……




PRE-EXISTING MEDICAL CONDITION:

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 MEDICAL CONDITION

"Pre-Existing medical condition" is defined in the policy as any medical
condition that exists before the effective date of insurance.






MEDICAL CONDITION

“Medical Condition’ means any disease, sickness or injury (including symptoms of
undiagnosed conditions).


STABLE:

A medical condition is considered stable when all of the following statements
are true:

 1. there has not been any new treatment prescribed or recommended, or change(s)
    to existing treatment (including a stoppage in treatment), and
 2. there has not been any change in medication, or any recommendation or
    starting of a new prescription drug, and
 3. the medical condition has not become worse, and
 4. there has not been any new, more frequent or more severe symptoms, and
 5. there has been no hospitalization or referral to a specialist, and
 6. there have not been any tests, investigation or treatment recommended, but
    not yet complete, nor any outstanding test results, and
 7. there is no planned or pending treatment.

All of the above conditions must be met for a medical condition to be considered
stable.


PRE-EXISTING MEDICAL CONDITION EXCLUSIONS - TRIP CANCELLATION & INTERRUPTION

Manulife Financial Trip Cancellation & Interruption Insurance will not cover any
expenses or benefits relating to any medical condition that was not stable in
the three (3) months before the effective date of coverage.


STABLE:

A medical condition is considered stable when all of the following statements
are true:

 1. there has not been any new treatment prescribed or recommended, or change(s)
    to existing treatment (including a stoppage in treatment), and
 2. there has not been any change in medication, or any recommendation or
    starting of a new prescription drug, and
 3. the medical condition has not become worse, and
 4. there has not been any new, more frequent or more severe symptoms, and
 5. there has been no hospitalization or referral to a specialist, and
 6. there have not been any tests, investigation or treatment recommended, but
    not yet complete, nor any outstanding test results, and
 7. there is no planned or pending treatment.

All of the above conditions must be met for a medical condition to be considered
stable.


MEDICAL CONDITION

“Medical Condition’ means any disease, sickness or injury (including symptoms of
undiagnosed conditions).


TRIP CANCELLATION & INTERRUPTION

TRIP CANCELLATION & INTERRUPTION BENEFITS 

 * Up to $3,500 per insured per trip for the Single-Trip All-Inclusive plan.

 * Reimbursement of prepaid portion of the trip that is non-refundable and
   non-transferable to another travel date for a covered event.

HIGHLIGHTS OF SOME OF THE INSURED RISKS:

 * Unexpected medical emergency or death of insured (or insured's travel
   companion).
 * Unexpected medical emergency or death of insured's (or insured's travel
   companion's) immediate family or key person.
 * Cancellation of a business meeting.
 * Canadian Government issues a Travel Advisory regarding the travel
   destination.
 * Travel visa not issued.
 * The person whose guest the insured will be during trip has a medical
   emergency and is admitted to a hospital or dies.
 * Missed connection.


BAGGAGE LOSS, DELAY AND DAMAGE

This coverage relates to the loss of, damage to, and delay of baggage and
effects. This insurance provides coverage for the following expenses:   

 * Up to $100 for replacement of a lost or stolen passport, driver's license,
   birth certificate or travel visa.  
 *  Up to $500 for necessary toiletries and clothing when luggage is delayed by
   the carrier for at least 10 hours while the insured is enroute. 
 * Up to $300 per trip for any item or set of items to a maximum of $1,000.

*Other conditions, limitations and exclusions, apply. See the policy for
details.


FLIGHT & TRAVEL ACCIDENT

Flight & Travel Accident Insurance 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, in the 12 months after the accident,
   Manulife will pay: $100,000 under Flight Accident Insurance; or $50,000 under
   Travel Accident Insurance.
 * 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 in the 12 months after the accident, Manulife will pay: $50,000
   under Flight Accident Insurance; or $25,000 under Travel Accident Insurance.
 * 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.

*Other conditions, limitations and exclusions, apply. See the policy for
details.

**If the claim is a result of an act of terrorism, this benefit may be limited.


COVERAGE START & END DATES

EFFECTIVE DATES AND EXPIRY DATES 

COVERAGE STARTS:

For Trip Cancellation coverage, on the date the policyholder pays the premium
for this coverage, shown as purchase date on the confirmation.

For all other coverages, on the later of:

 * the departure date; or
 * the effective date as shown on the confirmation.

COVERAGE ENDS ON THE EARLIEST OF THE FOLLOWING:

Trip Cancellation coverage, on the earlier of:

 * the departure date;
 * the date the policyholder cancels their trip;
 * the expiry date as shown on the confirmation.

For all other coverages, on the earlier of:


 * the date the policyholder returns home;
 * the expiry date as shown on the confirmation.


REFUNDS & EXTENSIONS

Refunds and Cancellations are not permitted on All-Inclusive plans. 


PREMIUMS

 1. Premium rates are in $CDN per person.
 2. Rates are subject to change without notice.
 3. Premium due is based on:
    1. The rate category; and
    2. The age at the time of application; and
    3. The trip length.
 4. Number of coverage days must include each day of the trip including: 
    1. The date of departure; and
    2. The date of return.

Coverage will not take effect if the applicant's method of payment is not
honoured when presented for payment.


IMPORTANT INFORMATION

 * 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 medical 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.


Get a Quote View Policy (PDF)


QUICK LINKS

 * Single-Trip Emergency Medical
 * Single-Trip Travel Canada Emergency Medical
 * Trip Cancellation & Interruption
 * COVID19 Pandemic Travel Plan
 * Multi-Trip Emergency Medical
 * Multi-Trip All-Inclusive
 * Emergency Medical Top-Up
 * FAQ


PHONECONTACT US

Call 1-866-521-8506

Call 1-866-521-8506







Email


QUICK LINKS

 * Single-Trip Emergency Medical
 * Single-Trip Travel Canada Emergency Medical
 * Trip Cancellation & Interruption
 * COVID19 Pandemic Travel Plan
 * Multi-Trip Emergency Medical
 * Multi-Trip All-Inclusive
 * Emergency Medical Top-Up
 * FAQ


PHONECONTACT US

Call 1-866-521-8506

Call 1-866-521-8506







Email



QUICK LINKS

 * Travelling Canadians
 * Visitors to Canada
 * Students
 * FAQs
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 * Resolve a complaintOpen in new window
 * About ManulifeOpen in new window




CLAIMS

 * Make a ClaimOpen in new window




CONNECT

Need Assistance?

Call 1-866-521-8506 1-866-521-8506

Monday to Friday (8am to 8pm EST)

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Individual circumstances may vary. You may wish to contact a licensed insurance
agent if you need advice about your insurance needs.

Plans underwritten by

The Manufacturers Life Insurance Company and First North American Insurance
Company Travel Insurance Plans are underwritten by The Manufacturers Life
Insurance Company and First North American Insurance Company, a wholly owned
subsidiary of Manulife. Manulife, Manulife & Stylized M Design, and Stylized M
Design are trademarks of The Manufacturers Life Insurance Company and are used
by it, and by its affiliates under license. © 2019 The Manufacturers Life
Insurance Company. All rights reserved. Manulife, P.O. Box 670, Stn Waterloo,
Waterloo, Ontario N2J 4B8




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