Travel Plans

Make sure your clients' visitors to Canada are covered for sudden and unexpected illnesses or accidents that may occur while in Canada.

Plans at-a-Glance

  SINGLE-TRIP
EMERGENCY MEDICAL PLANS
Benefits and Features Plan A* Plan B*‡
Coverage Amounts $15,000
$25,000
$50,000 or
$100,000†
$150,000† $15,000
$25,000
$50,000 or
$100,000†
$150,000†
Maximum Eligible Age 85 years 69 years 85 years 69 years
Emergency Medical
Travel Accident
Deductible Savings
Family Coverage
(up to age 59)
   
Optional Trip Interruption

* Traveller's minimum age is 30 days.
† Available to those applying for or holding a Parent & Grandparent Super Visa.
‡ Applicants 40 years of age and over must complete the medical questionnaire.

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.

Pre-existing Condition Exclusion

The Pre-existing Condition Exclusion that applies depends on the plan purchased.
"Pre-existing condition" is defined in the policy as a medical condition that exists before the effective date of insurance.

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.

Stable condition for which:

  • there has not been any new symptom(s); and
  • existing symptom(s) have not become more frequent or severe; and
  • a physician has not found that the medical condition has become worse; and
  • no test findings have shown that the medical condition may be getting worse; and
  • a physician has not provided, prescribed, or recommended any new medication, any change in medication; and
  • a physician has not provided, prescribed or recommended any investigative testing, new treatment or any change in treatment; and
  • there has been no hospitalization or referral to a specialist or specialty clinic; and
  • a physician has not advised referral to a specialty clinic or specialist for further testing, and there has been no testing for which the results have not yet been received

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.

Coverage for Side Trips

This insurance provides coverage while travelling outside Canada as long as the side trip begins and ends 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 after leaving Canada and 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.

Click below to learn more about the Plan's valuable features.

Emergency Medical and Travel Accident

Emergency Medical

  • 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 expenses
  • Return of children
  • Hospital Allowance
  • Trip Break

Travel Accident

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, 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.

Coverage

Insurance offered Coverage amounts per insured per trip ($CDN)
Emergency Medical Single-Trip Plan is the amount purchased:$15,000, $25,000, $50,000, $100,000† or $150,000†
Travel Accident $50,000 for death or double dismemberment, or $25,000 for single dismemberment
Optional Trip Interruption Up to $1,500 for Single Coverage and $5,000 for Family Coverage

†Available to those applying for or holding a Parent and Grandparent SuperVisa.

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 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.

Who Can Apply

Applicants can be:

  • Visitors to Canada;
  • Canadians who are not eligible for a government health insurance plan issued by a Canadian province or territory; or
  • Persons who are in Canada on a work visa;
  • Anyone applying for or holding a Parent and Grandparent Super Visa;
  • New immigrants who are awaiting coverage by a government health insurance from a Canadian province or territory.

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 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 A

To be eligible for Plan A, applicants must:

  • be at least 30 days of age and no older than 85 years of age (69 if purchasing $150,000 single-trip emergency medical coverage).

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); and
  • truthfully answer 'No' to all questions on the Medical Questionnaire if 40 years of age or older.

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.

Coverage for Side Trips

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

Application and Medical Questionnaire

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.
  • If insurance is purchased after arrival in Canada or after the expiry date of an existing Visitors to Canada policy issued by us, a waiting period will apply, except in the case of injury.
  • 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.
  • The applicant may not be covered under more than one emergency medical 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, or $500, $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.

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.

When coverage is purchased prior to leaving home with an effective date equal to the date and time you are scheduled to arrive in Canada, coverage will also be provided with no additional premium during your uninterrupted flight directly to Canada. An uninterrupted flight can include a stop-over provided you do not leave the airport.

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.

When coverage is purchased prior to leaving Canada to return home with an expiry date equal to the date and time you are scheduled to leave Canada, coverage will also be provided with no additional premium during your uninterrupted flight from Canada directly home. An uninterrupted flight can include a stop-over provided you do not leave the airport.

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 period is:

  • the 48-hour period following the effective date of insurance.

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.
Click here for more information on Manulife's SuperVisa Plan

Super Visa is a visa for parents and grandparents who want to visit their families in Canada for longer periods, without having to renew their status. Super Visa applicants must buy private Canadian medical insurance for a term of at least a year and with a minimum of $100,000 coverage.

Super visa

  • Allows your client to remain in Canada for up to 24 months at a time.
  • Allows multiple entries into Canada over a span of up to 10 years.
  • Is expected to be issued within eight weeks of application.

For these clients, recommend Manulife's Visitors to Canada Travel Insurance as a Single-Trip Emergency Medical Plan.

  • Valid for 365 days.
  • Available in two types: Plan A and Plan B.
  • Available in two coverage amounts: $100,000 or $150,000.

If the Super Visa application is denied, the travel insurance premium is 100% refundable.

If the Super Visa applicant purchases Plan A coverage once the Super Visa is issued and prior to the effective date of coverage, the Super Visa holder can upgrade to Plan B with payment of the appropriate premium.

Emergency Medical Benefits

  • Emergency medical attention.
  • Paramedical services.
  • Ambulance transportation.
  • Emergency dental treatment.
  • Preparation and return of remains.
  • Emergency air transportation home.
  • Additional meals and hotel.
  • Visit to bedside if travelling alone.
  • Childcare expenses.
  • Return of dependent children.
  • Trip break.

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

Refunds

To obtain a refund of premium (minimum $25.00):

  • If the applicant is cancelling their policy because their application for a Parent and Grandparent Super Visa was refused, they must provide proof of Visa refusal with their request for a full refund. Otherwise, the applicant can ask for a full refund at any time before the effective date of your insurance.

  • If the policyholder obtains Canadian government health insurance plan coverage, or return home before the date they were scheduled as per their confirmation, and have not reported or initiated a claim or been provided with any assistance services, they may ask for a refund of the premium for the unused days of their trip and will need to provide proof of the date they actually returned home or the effective date of their Canadian government health insurance plan coverage. Simply contact us to ask for a refund. All travellers insured under the same policy must return together or have Canadian government health insurance plan coverage in effect for a refund to be possible. Minimum premium refund amount is $25.

  • If the policyholder holds a Parent and Grandparent Super Visa and has purchased 365 days of coverage, and requesting a partial refund due to their early return home or departure from Canada and:

    • has had no claim that has been reported, paid or denied,
      • unused premiums (minimum of $25) may be refunded when they have provided proof of return home or departure from Canada.
    • have reported a claim or have a payable claim for which the payment has not been issued or the total amount of all reported eligible claim expenses will not exceed the deductible amount,
      • they may apply to have such claim withdrawn and, subject to our approval, unused premium may be refunded less a handling fee of $300 per claim which will be deducted from any amount to be refunded.
    • when a claim has been denied or paid, no refund is possible.

A written request to cancel this policy must be received within 60 days following the date the return home along with proof of departure from Canada. In no event will we back-date a cancellation to a date more than 60 days prior to the date of receipt of the cancellation request. If the cancellation request is received more than 30 days following the date of return home, we will require a copy of every page of the passport to verify that they did not visit Canada between the date they returned home and the date they submitted their refund request. Once any refund of premium has been requested, no expenses will be accepted for consideration under the policy, regardless of the date the expense was incurred. Refunds will be credited to the same credit card used to charge the premium.

No refunds are available for Trip Interruption Insurance after the effective date, side-trips or Trip Breaks.

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 subject to the approval of the Assistance Centre.

Premiums

  • Premium rates are in $CDN per person.
  • Emergency Medical Family coverage rate is 2x the premium rate of the oldest traveller under age 60.
  • Trip Interruption Family coverage rate is 3x the premium rate of the oldest traveller under age 60.
  • Rates are subject to change without notice.
  • Premium due is based on:
    • The plan purchased; and
    • The age at the effective date of insurance.
  • Number of coverage days must include:
    • The date of departure;
    • The date of return; and
    • The number of days in-between.
  • Coverage will not take effect if the applicant's cheque or credit card payment is not honoured when presented for payment.

Savings - Deductible Options

The published rates for the Emergency Medical Plans include a $75 CDN deductible. The following deductible options are available for Emergency Medical Plans only:

Deductible options* $0 $75 $500 $1,000 $2,500 $5,000
Applicable savings/surcharge 5% surcharge 0% surcharge 15% savings 20% savings 25% savings 35% savings

* $CDN per insured per emergency medical claim

Important Reminders for your clients:

  • The Wallet Card is found in the policy.
  • The Wallet Card and Manulife Financial Travel policy should be kept with the insured at all times when travelling.
  • The policy includes telephone numbers in case of a medical emergency or if an extension of coverage is required.

Don't forget to tell your client...

  • 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 completed application form and payment. In the event we are unable to process payment, coverage will not be in effect.
  • To contact the Assistance Centre before receiving treatment while on a trip. Manulife Financial Travel Insurance has a 20% coinsurance provision that may limit the benefits if a call is not received. In addition, specific covered benefits may be limited or not covered if the Assistance Centre has not been contacted.
  • To read the policy with particular attention to "pre-existing condition" and "hospitalization for a pre-existing condition" and other exclusions that apply to the coverage.
  • They may be required to provide proof of coverage. Always carry their policy, wallet card or confirmation of coverage with them.

For Client Use

Below, organized by type of document, are tools and materials Manulife has prepared to help your clients better understand Manulife products, feel confident that their Manulife products will meet their needs and help them understand some of the plans' finer details, such as rates.

Visitor to Canada
Super Visa Marketing Materials

For Advisor Use

Below, organized by type of document, are tools and materials Manulife has prepared to help you, the advisor, explain Manulife products and match them to your client needs.

Marketing Material
Administration

Visitors to Canada

Advisor Direct Deposit Form