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Why Travel Insurance for Costco members?

Travel insurance is always important, to ensure you, your family or visitors to Canada would be protected for emergency medical expenses and many other unforeseen costs during a trip. Without it, travellers can be left to deal with large out-of-pocket expenses.

Enjoy Costco value!

As a Costco member, you're accustomed to a certain level of value and service. You'll get all that with Travel Insurance for Costco members - with exclusive rates for all members and savings of up to 5% for Executive members!

Medical Concierge Service on all plans with emergency medical **

If medical assistance is required while travelling, you'll get 24/7 access to StandByMD™. This service helps you locate a clinic nearby, connect you with a physician, and assist you with emergency room admission, and much more.

(All dollar figures are in Canadian dollars.)

Single-Trip Emergency Medical: Up to $5 million in emergency medical coverage for one particular trip. Single-Trip All-Inclusive: Includes emergency medical, trip cancellation & trip interruption, baggage loss, damage and delay, and flight and travel accident. Single-Trip Travel Canada Emergency Medical: Provides the emergency medical plan at 50% off the premium when all travel is within Canada. Multi-Trip Emergency Medical: Eliminates the need to apply for coverage every time you travel. Take an unlimited number of trips within one year, of the duration of your choice, with up to $5 million of emergency medical coverage. Trip duration options include 10, 18, and 30 days. Multi-Trip All-Inclusive: Includes emergency medical, trip cancellation, trip interruption, baggage loss, damage and delay and flight and travel accident - for an unlimited number of trips within one year, of the duration of your choice. Choose from durations of 10, 18 or 30 days. Trip Cancellation & Trip Interruption: Protects the investment you made in your trip against unforeseen events that may happen prior to, or during, the trip. Included in all inclusive plans or it can be purchased as a stand-alone plan. Emergency Medical Top-Up: Additional coverage for those times when coverage under a multi-trip plan doesn’t last long enough to cover your entire trip.

**Manulife cannot guarantee the availability of the StandbyMD service indefinitely.
StandbyMD is a registered trademark™ of Healthcare Concierge Services, Inc.

(All dollar figures are in Canadian dollars.)

Visitors to Canada Single-Trip Emergency Medical: Up to $100,000 ($150,000 up to age 69) in emergency medical coverage. Optional Insurance - Trip Interruption: An optional benefit of up to $1,500 that helps protect a visitor’s travel investment against unforeseen events that may occur during their trip. Optional Insurance - Travel Accident: An optional benefit of up to $50,000 for an accidental bodily injury or death that occurs during your trip.

(All dollar figures are in Canadian dollars.)

Outbound Student: Canadian studying outside of Canada. Coverage up to $1 million for emergency and non-emergency medical care (Wellness Benefits). National Student: Canadian studying within Canada but away from province of residence. Coverage up to $1 million for emergency and non-emergency medical care (Wellness Benefits). Inbound Student: International student studying in Canada. Coverage up to $1 million for emergency and non-emergency medical care (Wellness Benefits).

Single-Trip
Emergency Medical

Single-Trip
All-Inclusive

Single-Trip
Travel Canada
Emergency Medical

Trip Cancellation
& Trip Interruption

Multi-Trip
Emergency Medical

Multi-Trip
All-Inclusive

Emergency Medical
Top-Up

Single-Trip Emergency Medical

(All dollar figures are in Canadian dollars.)

Planning on taking a trip out of Canada this year? This plan protects you from unexpected emergency medical expenses while travelling. Government health plans provide limited coverage for these expenses, but this plan offers up to $5 million in emergency medical coverage.

Travel Insurance must be purchased prior to departure from your province or territory of residence in Canada and for the entire duration of your trip.


Plan Benefits

+

The Single-Trip Emergency Medical plan covers you for costs related to an unexpected medical emergency, including:*

  • Hospital/doctor care and services
  • Paramedical services - including visits to licensed chiropodists, podiatrists, physiotherapists, chiropractors, or osteopaths
  • Ambulance transportation
  • Emergency dental treatment
  • Emergency medical return home
  • Expenses to return your travel companion or children under your care
  • Additional expenses for meals and hotel
  • Return home of vehicle
  • Trip break without terminating coverage
  • Expenses related to death
  • Expenses to bring someone to your bedside when travelling alone

If medical assistance is required, call the Assistance Center first. It’s available 24/7. When you call, you’ll get access to StandByMD™, a service that can connect you with: **

  • A physician visit or call
  • Locating a clinic nearby
  • Emergency room admission

If you're looking for coverage for more than just emergency medical expenses, like trip cancellation, trip interruption, baggage loss or damage, consider the Single-Trip All-Inclusive plan.

Eligibility

+

To be eligible for Emergency Medical coverage, you must, as of the date you apply for coverage and the effective date:

  • be a resident of Canada and covered under a government health insurance plan for the entire duration of your trip;
  • be at least thirty (30) days of age;
  • not have been advised by a physician to avoid travel at this time;
  • not have a terminal illness or metastatic cancer;
  • not require kidney dialysis;
  • not have been prescribed or used home oxygen in the last twelve (12) months; and
  • never have had bone marrow, stem cell or organ transplant (except corneal transplant).

If you are age 60 or over, you will need to complete the Medical Questionnaire to determine your eligibility and rate category.

A 10% smoker's surcharge will apply to you if you are age 60 or over and have smoked cigarettes and/or used vaping products or e-cigarettes in the last 2 years prior to the date of application.

Pre-Existing Condition Exclusions

+

Rate category determines the duration of the pre-existing condition exclusion and is based on age, medical history and plan type.

Rate Category Time Period Travel Insurance will not pay any expenses directly or indirectly relating to a ...
Pre-Existing Condition Heart Condition Lung Condition
Rate Category A 3 months Not stable in the time period before the effective date In the time period before your effective date, any heart condition has not been stable or you required any form of nitroglycerine for the relief of angina pain In the time period before your effective date, any lung condition has not been stable or you required treatment with oxygen or Prednisone for your lung condition
Rate Category B+ 3 months
Rate Category B 6 months
Rate Category C 12 months

NOTE:For the Travel Canada Emergency Medical plan, no pre-existing condition exclusion applies.

Pre-Existing Condition
  • "Pre-Existing condition" means a medical condition that existed before your effective date.
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.

Change in Medication
  • "Change in medication" means the medication dosage, frequency or type has been reduced, increased, stopped and/or new medication(s) has/have been prescribed. Exceptions: the routine adjustment of Coumadin, warfarin or insulin (as long as they are not newly prescribed or stopped) and there has been no change in your medical condition; and, a change from a brand name medication to a generic brand medication of the same dosage.
Treatment
  • “Treatment” means hospitalization, a procedure prescribed, performed or recommended by a physician for a medical condition. This includes but is not limited to prescribed medication, investigative testing and surgery. IMPORTANT: Any reference to testing, tests, test results, or investigations excludes genetic tests. “Genetic test” means a test that analyzes DNA, RNA or chromosomes for purposes such as the prediction of disease or vertical transmission risks, or monitoring, diagnosis or prognosis.

* Conditions, exclusions, limitations apply. See policy for details.

** Manulife cannot guarantee the availability of the StandbyMD service indefinitely.
StandbyMD is a registered trademark™ of Healthcare Concierge Services, Inc.

Single-Trip All-Inclusive

(All dollar figures are in Canadian dollars.)

If you're planning on taking a trip outside of Canada this year, but want protection beyond just emergency medical costs, this plan offers great value - including coverage for Trip Cancellation and Interruption, Baggage Loss and more.

Government health plans provide limited coverage for these expenses, but this plan offers up to $5 million in emergency medical coverage.

Travel Insurance must be purchased prior to departure from your province or territory of residence in Canada and for the entire duration of your trip.


Emergency Medical Benefits

+

The Single-Trip All-Inclusive plan covers you for costs related to a medical emergency and many other parts of your trip, including:

Emergency Medical*

  • Hospital/doctor care and services
  • Paramedical services - including visits to licensed chiropodists, podiatrists, physiotherapists, chiropractors, or osteopaths
  • Ambulance transportation
  • Emergency dental treatment
  • Emergency medical return home
  • Expenses to return your travel companion or children under your care
  • Additional expenses for meals and hotel
  • Return home of vehicle
  • Trip break without terminating coverage
  • Expenses related to death
  • Expenses to bring someone to your bedside when travelling alone

If medical assistance is required, call the Assistance Center first. It’s available 24/7. When you call, you’ll get access to StandByMD™, a service that can connect you with: **

  • A physician visit or call
  • Locating a clinic nearby
  • Emergency room admission

Trip Cancellation & Trip Interruption Benefits

+

  • Up to $5,000 per insured
  • Reimbursement for a covered event (see below) of the prepaid portion of the trip that is non-refundable and cannot be moved to another date, should you need to cancel your trip or your trip is interrupted
Highlights of some of the covered events:*
  • Your or your travel companion's unexpected medical emergency or death
  • Unexpected medical emergency or death of your or your travel companion's immediate family or key person
  • Cancellation of a business meeting
  • A job loss by you, your spouse, your travel companion or travel companion's spouse
  • The person whose guest you will be during your trip has been admitted to a hospital or passes away

Baggage Loss, Damage and Delay

+

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 licence, 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 you are en route
  • Up to $300 per trip for any item or set of items to a maximum of $1,000

Flight Accident and Travel Accident

+

Flight Accident and Travel Accident Insurance covers the following benefits:*

  • If an accidental bodily injury causes you to pass away, 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, we will pay: $100,000 under Flight Accident Insurance; or $50,000 under Travel Accident Insurance.
  • If an accidental bodily injury causes you 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, we will pay: $50,000 under Flight Accident Insurance; or $25,000 under Travel Accident Insurance.
  • If you have more than one accidental bodily injury during the trip, we will pay the applicable insured sum only for the one accident that entitles the insured to the largest benefit amount.

Eligibility

+

To be eligible for All-inclusive coverage, you must, as of the date you apply for coverage and the effective date:

  • be a resident of Canada and covered under a government health insurance plan for the entire duration of your trip;
  • have paid the appropriate premium;
  • be at least thirty (30) days of age;
  • not have been advised by a physician to avoid travel at this time;
  • not have a terminal illness or metastatic cancer;
  • not require kidney dialysis;
  • not have been prescribed or used home oxygen in the last twelve (12) months; and
  • never have had bone marrow, stem cell or organ transplant (except corneal transplant).

If you are age 60 or over, you will need to complete the Medical Questionnaire to determine your eligibility and rate category.

A 10% smoker's surcharge will apply to you if you are age 60 or over and have smoked cigarettes and/or used vaping products or e-cigarettes in the last 2 years prior to the date of application.

Pre-Existing Condition Exclusions - Emergency Medical

+

Rate category determines the duration of the pre-existing condition exclusion and is based on age, medical history and plan type.

Rate Category Time Period Travel Insurance will not pay any expenses directly or indirectly relating to a ...
Pre-Existing Condition Heart Condition Lung Condition
Rate Category A 3 months Not stable in the time period before the effective date In the time period before your effective date, any heart condition has not been stable or you required any form of nitroglycerine for the relief of angina pain In the time period before your effective date, any lung condition has not been stable or you required treatment with oxygen or Prednisone for your lung condition
Rate Category B+ 3 months
Rate Category B 6 months
Rate Category C 12 months

NOTE:For the Travel Canada Emergency Medical plan, no pre-existing condition exclusion applies.

Pre-Existing Condition
  • "Pre-Existing condition" means a medical condition that existed before your effective date.
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.

Change in Medication
  • "Change in medication" means the medication dosage, frequency or type has been reduced, increased, stopped and/or new medication(s) has/have been prescribed. Exceptions: the routine adjustment of Coumadin, warfarin or insulin (as long as they are not newly prescribed or stopped) and there has been no change in your medical condition; and, a change from a brand name medication to a generic brand medication of the same dosage.
Treatment
  • “Treatment” means hospitalization, a procedure prescribed, performed or recommended by a physician for a medical condition. This includes but is not limited to prescribed medication, investigative testing and surgery. IMPORTANT: Any reference to testing, tests, test results, or investigations excludes genetic tests. “Genetic test” means a test that analyzes DNA, RNA or chromosomes for purposes such as the prediction of disease or vertical transmission risks, or monitoring, diagnosis or prognosis.
+

Pre-Existing Condition Exclusions - Trip Cancellation & Trip Interruption

Travel Insurance will not cover any expenses or benefits relating to:

  • Any medical condition that was not stable in the three (3) months before the purchase date of this insurance;
  • Any heart condition you or your travel companion have if, during the three (3) months prior to the purchase date or application date of this insurance, you or your travel companion have taken any form of nitroglycerine for the relief of angina;
  • Any lung condition you or your travel companion have if, during the three (3) months prior to the purchase date or application date of this insurance, you or your travel companion required treatment with home oxygen or Prednisone for a lung condition.
Stable A medical condition means that all of the following apply:

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).

* Conditions, exclusions, limitations apply. See policy for details.

** Manulife cannot guarantee the availability of the StandbyMD service indefinitely.
StandbyMD is a registered trademark™ of Healthcare Concierge Services, Inc.

Single-Trip Travel Canada Emergency Medical

(All dollar figures are in Canadian dollars.)

Heading out to see more of the country, outside your home province? This plan protects you from unexpected emergency medical expenses while travelling. Government health plans provide limited coverage for these expenses, but this plan offers up to $5 million in emergency medical coverage.

Plus, premiums are half the cost you'd pay if you were travelling outside Canada.

Travel Insurance must be purchased prior to departure from your province or territory of residence in Canada and for the entire duration of your trip.


Plan Benefits

+

The Single-Trip Travel Canada Emergency Medical plan covers you for costs related to a medical emergency, including:*

  • Hospital/doctor care and services
  • Paramedical services - including visits to licensed chiropodists, podiatrists, physiotherapists, chiropractors, or osteopaths
  • Ambulance transportation
  • Emergency dental treatment
  • Emergency medical return home
  • Expenses to return your travel companion or children under your care
  • Additional expenses for meals and hotel
  • Return home of vehicle
  • Trip break without terminating coverage
  • Expenses related to death
  • Expenses to bring someone to your bedside when travelling alone

Eligibility

+

To be eligible for Emergency Medical coverage, you must, as of the date you apply for coverage and the effective date:

  • be a resident of Canada and covered under a government health insurance plan for the entire duration of your trip;
  • have paid the appropriate premium;
  • be at least thirty (30) days of age;
  • not have been advised by a physician to avoid travel at this time;
  • not have a terminal illness or metastatic cancer;
  • not require kidney dialysis;
  • not have been prescribed or used home oxygen in the last twelve (12) months; and
  • never have had bone marrow, stem cell or organ transplant (except corneal transplant).

If you are age 60 or over, you will need to complete the Medical Questionnaire to determine your eligibility and rate category.

A 10% smoker's surcharge will apply to you if you are age 60 or over and have smoked cigarettes and/or used vaping products or e-cigarettes in the last 2 years prior to the date of application.

All travel must be within Canada but out of province.

* Conditions, exclusions, limitations apply. See policy for details.

Trip Cancellation & Trip Interruption

(All dollar figures are in Canadian dollars.)

You may already have a travel insurance plan that covers emergency medical expenses. But what if, due to an unforeseen emergency or event, you have to cancel your trip? What if you unexpectedly need to return home earlier or stay longer than planned?

Adding the Trip Cancellation & Trip Interruption plan to your existing travel medical coverage helps you protect the investment you made in your trip. You can also purchase it as a stand-alone plan, if that's all the coverage you want.


Plan Benefits

+

Trip Cancellation & Trip Interruption Benefits*

  • Up to the sum insured amount
  • Reimbursement for a covered event (see below) of the prepaid portion of the trip that is non-refundable and cannot be moved to another date, should you need to cancel your trip or your trip is interrupted.

Highlights of some of the covered events:

  • Your or your travel companion's unexpected medical emergency or death
  • Unexpected medical emergency or death of your or your travel companion's immediate family or key person
  • Cancellation of a business meeting
  • A job loss by you, your spouse, your travel companion or travel companion's spouse
  • The person whose guest you will be during your trip has been admitted to a hospital or passes away

Eligibility

+

To be eligible for stand-alone Trip Cancellation & Trip Interruption insurance under this policy, you must:

  • be a resident of Canada and covered under a government health insurance plan for the entire duration of your trip;
  • have paid the appropriate premium;
  • be at least thirty (30) days of age;
  • not have been advised by a physician to avoid travel at this time;
  • not have a terminal illness or metastatic cancer;
  • not require kidney dialysis;
  • not have been prescribed or used home oxygen in the last twelve (12) months; and
  • never have had bone marrow, stem cell or organ transplant (except corneal transplant).

Pre-Existing Condition Exclusions

+

Travel Insurance will not cover any expenses or benefits relating to:

  • Any medical condition that was not stable in the three (3) months before the purchase date of this insurance;
  • Any heart condition you or your travel companion have if, during the three (3) months prior to the purchase date or application date of this insurance, you or your travel companion have taken any form of nitroglycerine for the relief of angina;
  • Any lung condition you or your travel companion have if, during the three (3) months prior to the purchase date or application date of this insurance, you or your travel companion required treatment with home oxygen or Prednisone for a lung condition.
Stable A medical condition means that all of the following apply:

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).

* Conditions, exclusions, limitations apply. See policy for details.

Multi-Trip Emergency Medical

(All dollar figures are in Canadian dollars.)

If you're headed out on two or more trips within the next year, this plan offers the best value for emergency medical protection.

It protects you for as many trips as you want to take throughout the year, for one affordable premium - with up to $5 million in emergency medical coverage.

In many cases, if you took two trips within the year it would cost less than the price of two Single-Trip Emergency Medical plans.

You can choose from three trip durations:

  • • 10 days
  • • 18 days
  • • 30 days

If necessary, you can purchase additional days with Emergency Medical Top-Up.

Travel Insurance must be purchased prior to departure from your province or territory of residence in Canada and for the entire duration of your trip.


Plan Benefits

+

The Multi-Trip Emergency Medical plan covers you for costs related to a medical emergency, including:*

  • Hospital/doctor care and services
  • Paramedical services - including visits to licensed chiropodists, podiatrists, physiotherapists, chiropractors, or osteopaths
  • Ambulance transportation
  • Emergency dental treatment
  • Emergency medical return home
  • Expenses to return your travel companion or children under your care
  • Additional expenses for meals and hotel
  • Return home of vehicle
  • Expenses related to death
  • Expenses to bring someone to your bedside when travelling alone

If medical assistance is required, call the Assistance Center first. It’s available 24/7. When you call, you’ll get access to StandByMD™, a service that can connect you with: **

  • A physician visit or call
  • Locating a clinic nearby
  • Emergency room admission

If you're looking for coverage for more than just emergency medical expenses, like trip cancellation, trip interruption, baggage loss or damage, consider the Multi-Trip All-Inclusive plan.

Eligibility

+

To be eligible for Emergency Medical coverage, you must, as of the date you apply for coverage and the effective date:

  • be a resident of Canada and covered under a government health insurance plan for the entire duration of your trip;
  • be at least thirty (30) days of age;
  • not have been advised by a physician to avoid travel at this time;
  • not have a terminal illness or metastatic cancer;
  • not require kidney dialysis;
  • not have been prescribed or used home oxygen in the last twelve (12) months; and
  • never have had bone marrow, stem cell or organ transplant (except corneal transplant).

If you are age 60 or over, you will need to complete the Medical Questionnaire to determine your eligibility and rate category.

A 10% smoker's surcharge will apply to you if you are age 60 or over and have smoked cigarettes and/or used vaping products or e-cigarettes in the last 2 years prior to the date of application.

Pre-Existing Condition Exclusions

+

Rate category determines the duration of the pre-existing condition exclusion and is based on age, medical history and plan type.

Rate Category Time Period Travel Insurance will not pay any expenses directly or indirectly relating to a ...
Pre-Existing Condition Heart Condition Lung Condition
Rate Category A 3 months Not stable in the time period before the effective date In the time period before your effective date, any heart condition has not been stable or you required any form of nitroglycerine for the relief of angina pain In the time period before your effective date, any lung condition has not been stable or you required treatment with oxygen or Prednisone for your lung condition
Rate Category B+ 3 months
Rate Category B 6 months
Rate Category C 12 months

NOTE:For the Travel Canada Emergency Medical plan, no pre-existing condition exclusion applies.

Pre-Existing Condition
  • "Pre-Existing condition" means a medical condition that existed before your effective date.
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.

Change in Medication
  • "Change in medication" means the medication dosage, frequency or type has been reduced, increased, stopped and/or new medication(s) has/have been prescribed. Exceptions: the routine adjustment of Coumadin, warfarin or insulin (as long as they are not newly prescribed or stopped) and there has been no change in your medical condition; and, a change from a brand name medication to a generic brand medication of the same dosage.
Treatment
  • “Treatment” means hospitalization, a procedure prescribed, performed or recommended by a physician for a medical condition. This includes but is not limited to prescribed medication, investigative testing and surgery. IMPORTANT: Any reference to testing, tests, test results, or investigations excludes genetic tests. “Genetic test” means a test that analyzes DNA, RNA or chromosomes for purposes such as the prediction of disease or vertical transmission risks, or monitoring, diagnosis or prognosis.

* Conditions, exclusions, limitations apply. See policy for details.

** Manulife cannot guarantee the availability of the StandbyMD service indefinitely.
StandbyMD is a registered trademark™ of Healthcare Concierge Services, Inc.

Multi-Trip All-Inclusive

(All dollar figures are in Canadian dollars.)

If you're headed out on two or more trips within the next year, but want protection beyond just emergency medical costs, this plan offers great value - including coverage for Trip Cancellation and Interruption, Baggage Loss and more.

It protects you for as many trips as you want to take throughout the year, for one affordable premium - with up to $5 million in emergency medical coverage.

In many cases, if you took two trips within the year it would cost less than the price of two Single-Trip All-Inclusive plans.

You can choose from three trip durations:

  • • 10 days
  • • 18 days
  • • 30 days

If necessary, you can purchase additional days with Emergency Medical Top-Up.

Travel Insurance must be purchased prior to departure from your province or territory of residence in Canada and for the entire duration of your trip.


Emergency Medical Benefits

+

The Multi-Trip All-Inclusive plan covers you for costs related to a medical emergency and many other parts of your trip, including:*

  • Hospital/doctor care and services
  • Paramedical services - including visits to licensed chiropodists, podiatrists, physiotherapists, chiropractors, or osteopaths
  • Ambulance transportation
  • Emergency dental treatment
  • Emergency medical return home
  • Expenses to return your travel companion or children under your care
  • Additional expenses for meals and hotel
  • Return home of vehicle
  • Expenses related to death
  • Expenses to bring someone to your bedside when travelling alone

If medical assistance is required, call the Assistance Center first. It’s available 24/7. When you call, you’ll get access to StandByMD™, a service that can connect you with: **

  • A physician visit or call
  • Locating a clinic nearby
  • Emergency room admission

Trip Cancellation & Trip Interruption Benefits

+

  • Up to $5,000 per trip/$8,000 per policy
  • Reimbursement for a covered event (see below) of the prepaid portion of the trip that is non-refundable and cannot be moved to another date, should you need to cancel your trip or your trip is interrupted

Highlights of some of the covered events:*

  • Your or your travel companion's unexpected medical emergency or death
  • Unexpected medical emergency or death of your or your travel companion's immediate family or key person
  • Cancellation of a business meeting
  • A job loss by you, your spouse, your travel companion or travel companion's spouse
  • The person whose guest you will be during your trip has been admitted to a hospital or passes away

Baggage Loss, Damage and Delay

+

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 licence, 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 you are en route
  • Up to $300 per trip for any item or set of items to a maximum of $1,000

Flight Accident and Travel Accident

+

Flight Accident and Travel Accident Insurance covers the following benefits:*

  • If an accidental bodily injury causes you to pass away, 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, we will pay: $100,000 under Flight Accident Insurance; or $50,000 under Travel Accident Insurance.
  • If an accidental bodily injury causes you 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, we will pay: $50,000 under Flight Accident Insurance; or $25,000 under Travel Accident Insurance.
  • If you have more than one accidental bodily injury during the trip, we will pay the applicable insured sum only for the one accident that entitles the insured to the largest benefit amount.

Eligibility

+

To be eligible for All-inclusive coverage, you must, as of the date you apply for coverage and the effective date:

  • be a resident of Canada and covered under a government health insurance plan for the entire duration of your trip;
  • have paid the appropriate premium;
  • be at least thirty (30) days of age;
  • not have been advised by a physician to avoid travel at this time;
  • not have a terminal illness or metastatic cancer;
  • not require kidney dialysis;
  • not have been prescribed or used home oxygen in the last twelve (12) months; and
  • never have had bone marrow, stem cell or organ transplant (except corneal transplant).

If you are age 60 or over, you will need to complete the Medical Questionnaire to determine your eligibility and rate category.

A 5% smoker's surcharge will apply to you if you are age 60 or over and have smoked cigarettes and/or used vaping products or e-cigarettes in the last 2 years prior to the date of application.

Pre-Existing Condition Exclusions - Emergency Medical

+

Rate category determines the duration of the pre-existing condition exclusion and is based on age, medical history and plan type.

Rate Category Time Period Travel Insurance will not pay any expenses directly or indirectly relating to a ...
Pre-Existing Condition Heart Condition Lung Condition
Rate Category A 3 months Not stable in the time period before the effective date In the time period before your effective date, any heart condition has not been stable or you required any form of nitroglycerine for the relief of angina pain In the time period before your effective date, any lung condition has not been stable or you required treatment with oxygen or Prednisone for your lung condition
Rate Category B+ 3 months
Rate Category B 6 months
Rate Category C 12 months

NOTE:For the Travel Canada Emergency Medical plan, no pre-existing condition exclusion applies.

Pre-Existing Condition
  • "Pre-Existing condition" means a medical condition that existed before your effective date.
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.

Change in Medication
  • "Change in medication" means the medication dosage, frequency or type has been reduced, increased, stopped and/or new medication(s) has/have been prescribed. Exceptions: the routine adjustment of Coumadin, warfarin or insulin (as long as they are not newly prescribed or stopped) and there has been no change in your medical condition; and, a change from a brand name medication to a generic brand medication of the same dosage.
Treatment
  • “Treatment” means hospitalization, a procedure prescribed, performed or recommended by a physician for a medical condition. This includes but is not limited to prescribed medication, investigative testing and surgery. IMPORTANT: Any reference to testing, tests, test results, or investigations excludes genetic tests. “Genetic test” means a test that analyzes DNA, RNA or chromosomes for purposes such as the prediction of disease or vertical transmission risks, or monitoring, diagnosis or prognosis.
+

Pre-Existing Condition Exclusions - Trip Cancellation & Trip Interruption

Travel Insurance will not cover any expenses or benefits relating to:

  • Any medical condition that was not stable in the three (3) months before the purchase date of this insurance;
  • Any heart condition you or your travel companion have if, during the three (3) months prior to the purchase date or application date of this insurance, you or your travel companion have taken any form of nitroglycerine for the relief of angina;
  • Any lung condition you or your travel companion have if, during the three (3) months prior to the purchase date or application date of this insurance, you or your travel companion required treatment with home oxygen or Prednisone for a lung condition.
Stable A medical condition means that all of the following apply:

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).

* Conditions, exclusions, limitations apply. See policy for details.

** Manulife cannot guarantee the availability of the StandbyMD service indefinitely.
StandbyMD is a registered trademark™ of Healthcare Concierge Services, Inc.

Emergency Medical Top-Up

(All dollar figures are in Canadian dollars.)

Maybe you already have coverage, whether it's from another provider or one of our Multi-Trip plans, but the duration of coverage isn't long enough for your needs.

The Emergency Medical Top-Up plan* is here to help. Simply put, it allows you to add extra time to your existing coverage, upon its expiry, at affordable Costco member rates.


Top-Up Details

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  • It is your responsibility to confirm that you will not lose your existing coverage from another provider if you add the Top-Up plan.
  • If you've already purchased Multi-Trip coverage, Top-Up coverage must be purchased prior to its expiry date. And Top-Up coverage is subject to an extra premium charge.

Eligibility

+

To be eligible for Emergency Medical coverage, you must, as of the date you apply for coverage and the effective date:

  • be a resident of Canada and covered under a government health insurance plan for the entire duration of your trip;
  • have paid the appropriate premium;
  • be at least thirty (30) days of age;
  • not have been advised by a physician to avoid travel at this time;
  • not have a terminal illness or metastatic cancer;
  • not require kidney dialysis;
  • not have been prescribed or used home oxygen in the last twelve (12) months; and
  • never have had bone marrow, stem cell or organ transplant (except corneal transplant).

If you are age 60 or over, you will need to complete the Medical Questionnaire to determine your eligibility and rate category.

A 10% smoker's surcharge will apply to you if you are age 60 or over and have smoked cigarettes and/or used vaping products or e-cigarettes in the last 2 years prior to the date of application.

Pre-Existing Condition Exclusions

+

Rate category determines the duration of the pre-existing condition exclusion and is based on age, medical history and plan type.

Rate Category Time Period Travel Insurance will not pay any expenses directly or indirectly relating to a ...
Pre-Existing Condition Heart Condition Lung Condition
Rate Category A 3 months Not stable in the time period before the effective date In the time period before your effective date, any heart condition has not been stable or you required any form of nitroglycerine for the relief of angina pain In the time period before your effective date, any lung condition has not been stable or you required treatment with oxygen or Prednisone for your lung condition
Rate Category B+ 3 months
Rate Category B 6 months
Rate Category C 12 months

NOTE:For the Travel Canada Emergency Medical plan, no pre-existing condition exclusion applies.

Pre-Existing Condition
  • "Pre-Existing condition" means a medical condition that existed before your effective date.
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.

Change in Medication
  • "Change in medication" means the medication dosage, frequency or type has been reduced, increased, stopped and/or new medication(s) has/have been prescribed. Exceptions: the routine adjustment of Coumadin, warfarin or insulin (as long as they are not newly prescribed or stopped) and there has been no change in your medical condition; and, a change from a brand name medication to a generic brand medication of the same dosage.
Treatment
  • “Treatment” means hospitalization, a procedure prescribed, performed or recommended by a physician for a medical condition. This includes but is not limited to prescribed medication, investigative testing and surgery. IMPORTANT: Any reference to testing, tests, test results, or investigations excludes genetic tests. “Genetic test” means a test that analyzes DNA, RNA or chromosomes for purposes such as the prediction of disease or vertical transmission risks, or monitoring, diagnosis or prognosis.

* Conditions, exclusions, limitations apply. See policy for details.

Visitors to Canada
Single-Trip
Emergency Medical

Optional Insurance -
Trip Interruption

Optional Insurance -
Travel Accident

Visitors to Canada Single-Trip Emergency Medical

(All dollar figures are in Canadian dollars.)

Do you have family or friends coming to visit you in Canada? Perhaps you live outside of Canada and are coming to visit family or see the sites.

In either case, if a visitor suffers an injury or illness in Canada they would not be eligible for our government health care coverage.

With Visitors to Canada Single-Trip Emergency Medical you can avoid paying out-of-pocket, where possible, for emergency medical costs.

Depending on your needs and budget, you can choose from one of five maximum coverage amounts:

  • • $15,000
  • • $25,000
  • • $50,000
  • • $100,000
  • • $150,000


Plan Benefits

+

Overview of Emergency Medical Benefits*

  • Hospital/doctor care and services
  • Paramedical services - including visits to licensed chiropodists, podiatrists, physiotherapists, chiropractors, or osteopaths
  • Ambulance transportation
  • Emergency dental treatment
  • Emergency medical return home
  • Expenses to return children under your care
  • Additional expenses for meals and hotel
  • Trip break without terminating coverage
  • Expenses related to death
  • Expenses to bring someone to your bedside when travelling alone

Optional Insurance

+

You can add these two options to the plan:

Trip Interruption*
Coverage for a return home, if necessary, due to a medical emergency or the death of a family member or travelling companion.

Travel Accident*
Lump-sum payments in the event of loss of life, limb or sight.

Eligibility

+

To be eligible for insurance under this policy, you must be a:

  • Visitor to Canada; or
  • Canadian resident who is not eligible for benefits under a government health insurance plan; or
  • Person who is in Canada on a work visa or Parent and Grandparent Super Visa; or
  • New immigrant who is awaiting Canadian government health insurance plan coverage.

You are not eligible for coverage under this policy if:

  • You are travelling against the advice of a physician;
  • You have been diagnosed with a terminal illness with less than 2 years to live;
  • You have a kidney condition requiring dialysis;
  • You have used home oxygen during the 12 months prior to the date of application;
  • You have been diagnosed with Alzheimer's disease or any other form of dementia;
  • You are under 30 days or over 85 years of age (over 69 years of age for $150,000 Emergency Medical coverage);
  • You reside in a nursing home, home for the aged, other long-term care facility or rehabilitation centre; and/or
  • You require assistance with activities of daily living.

Pre-Existing Condition Exclusions

+

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

Plan A - we will not pay any expenses directly or indirectly relating to:

  1. 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 the 180 days prior to the effective date;
  2. 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
  3. 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 - we will not pay any expenses directly or indirectly relating to:

  1. a pre-existing condition that is not stable in the 180 days before the effective date of insurance;
  2. 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
  3. any lung condition if, in the 180 days before the effective date, you required treatment with oxygen or Prednisone for a lung condition.

Pre-Existing Condition
  • "Pre-Existing condition" means a medical condition that exists before your 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.

Change in medication
  • "Change in medication" means the medication dosage, frequency or type has been reduced, increased, or stopped, and/or new medications has/have been prescribed.
  • The following is not considered a change in medication:

  1. a change from a brand-name drug to an equivalent generic drug of the same dosage;
  2. a routine adjustment in the dosage of your medication, as a result of your blood levels only, if you are taking Coumadin (warfarin) or insulin and are required to have your blood levels tested on a regular basis, and your medical condition remains unchanged.

Treatment
  • "Treatment" means hospitalization, a procedure prescribed, performed or recommended by a physician for a medical condition. This includes but is not limited to prescribed medication, investigative testing and surgery. IMPORTANT: Any reference to testing, tests, test results, or investigations excludes genetic tests. "Genetic test" means a test that analyzes DNA, RNA or chromosomes for purposes such as the prediction of disease or vertical transmission risks, or monitoring, diagnosis or prognosis.

* Conditions, exclusions, limitations apply. See policy for details.
† Some age restrictions apply.

Optional Insurance - Trip Interruption

(All dollar figures are in Canadian dollars.)

Coverage for an individual return trip, if necessary, due to a covered event.

Highlights of covered events:*

  • You or your travel companion develop(s) a medical emergency or pass(es) away;
  • Your or your travel companion's immediate family member develops a medical emergency or passes away;
  • Emergency hospitalization or death of the person whose guest you are during your trip.


Coverage Amounts

+

We will pay up to a maximum of $1,500 for single coverage or $5,000 for family coverage. This can cover:

  • the non-refundable and non-transferable portion of your trip;or
  • your additional and unplanned hotel and meal expenses, your essential phone calls and taxi fares when no earlier transportation arrangements are available; and/or
  • your return home.

Eligibility

+

To be eligible for insurance under this policy, you must be a:

  • Visitor to Canada; or
  • Canadian resident who is not eligible for benefits under a government health insurance plan; or
  • Person who is in Canada on a work visa or Parent and Grandparent Super Visa; or
  • New immigrant who is awaiting Canadian government health insurance plan coverage.

You are not eligible for coverage under this policy if any of the following apply to you:

  • You are travelling against the advice of a physician;
  • You have been diagnosed with a terminal illness with less than 2 years to live;
  • You have a kidney condition requiring dialysis;
  • You have used home oxygen during the 12 months prior to the date of application;
  • You have been diagnosed with Alzheimer's disease or any other form of dementia;
  • You are under 30 days or over 85 years of age (over 69 years of age for $150,000 Emergency Medical coverage);
  • You reside in a nursing home, home for the aged, other long-term care facility or rehabilitation centre; and/or
  • You require assistance with activities of daily living.

Pre-Existing Condition Exclusions

+

Under Trip Interruption Insurance, we will not cover expenses resulting directly or indirectly from:

A medical condition related to a covered event, if the medical condition was not stable in the 3 months 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.

* Conditions, exclusions, limitations apply. See policy for details.

Optional Insurance - Travel Accident

(All dollar figures are in Canadian dollars.)

If you're severely injured during your trip, resulting in loss of limb or sight, you can receive a lump-sum payment to use however you want. If you are severely injured during your trip, resulting in death, the payment goes to your beneficiary.

This option is only available if you have also purchased Visitors to Canada Single-Trip Emergency Medical.


Coverage Amounts

+

$50,000
$25,000
Payable if the following occurs within 365 days of an accident:*
  • Death
  • Complete, permanent blindness in both eyes
  • Two limbs fully severed above the wrist or ankle joints
Payable if the following occurs within 365 days of an accident:*
  • Complete, permanent blindness in one eye
  • One limb fully severed above a wrist or ankle joint
If you have more than one injury during the trip, we will pay the applicable insured sum only for the one accident that entitles you to the largest benefit amount.

Eligibility

+

To be eligible for insurance under this policy, you must be a:

  • Visitor to Canada; or
  • Canadian resident who is not eligible for benefits under a government health insurance plan; or
  • Person who is in Canada on a work visa or Parent and Grandparent Super Visa; or
  • New immigrant who is awaiting Canadian government health insurance plan coverage.

You are not eligible for coverage under this policy if any of the following apply to you:

  • You are travelling against the advice of a physician;
  • You have been diagnosed with a terminal illness with less than 2 years to live;
  • You have a kidney condition requiring dialysis;
  • You have used home oxygen during the 12 months prior to the date of application;
  • You have been diagnosed with Alzheimer's disease or any other form of dementia;
  • You are under 30 days or over 85 years of age (over 69 years of age for $150,000 Emergency Medical coverage);
  • You reside in a nursing home, home for the aged, other long-term care facility or rehabilitation centre; and/or
  • You require assistance with activities of daily living.

* Conditions, exclusions, limitations apply. See policy for details.

Outbound Student

National Student

Inbound Student

Outbound Student

(All dollar figures are in Canadian dollars.)

Are you preparing to study abroad? If so, you'll be spending many months outside of Canada. If you fall sick or get injured, your government health plan provides limited coverage, putting you on the hook for expensive medical costs.

While you're away, the Outbound Student plan can cover many costs for both emergency and non-emergency medical expenses - up to $1 million.


Plan Benefits

+

Emergency Medical Benefits*

  • Hospital expenses - up to the $1 million maximum
  • Physician services
  • Diagnostic services
  • Private duty nurse
  • Ambulance transportation
  • Prescription drugs - up to 30 day supply
  • Paramedical services - including visits to licensed chiropodists, podiatrists, physiotherapists, chiropractors, or osteopaths
  • Emergency dental treatment
  • Psychiatric care
  • Trauma counselling
  • Medical appliances
  • Emergency evacuation
  • Family transportation to bedside and subsistence allowance
  • Repatriation of mortal remains
  • Tuition reimbursement
  • Trip break

Non-Emergency Medical Benefits*

  • Annual medical examination
  • Annual eye examination
  • Maternity benefit

Eligibility

+

To be eligible for insurance under this policy, you must be:

  • under the age of 55; and
    • a full-time student with proof of admission or enrolment in a recognized institute of learning; or
    • a student completing post-doctoral research in a recognized institute of learning; or
    • dependant(s) and/or the spouse of and living with a student covered under this insurance, and named on the application.

You are not eligible for any coverage under this policy if your trip is booked or undertaken:

  • contrary to medical advice;
  • while you require kidney dialysis;
  • if you have used home oxygen at any time during the twelve (12) months prior to the date of application; and/or
  • you have been diagnosed with a terminal illness with less than two (2) years to live.

Pre-Existing Condition Exclusions

+

This policy will not pay any expenses or benefits directly or indirectly relating to:

  1. A pre-existing condition that was not stable in the three (3) months before your effective date.
  2. Any pre-existing condition of a covered dependant and/or spouse that was not stable in the three (3) months before the date the dependant/spouse became covered under this policy.
  3. For covered dependants under two (2) years of age, any medical condition related to a birth defect whether genetic, acquired, or congenital.

Pre-Existing Condition

“Pre-Existing Condition” means a medical condition that exists before your effective date.

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.

Treatment

“Treatment” means hospitalization, a procedure prescribed, performed or recommended by a physician for a medical condition. This includes but is not limited to prescribed medication, investigative testing and surgery. IMPORTANT: Any reference to testing, tests, test results, or investigations excludes genetic tests. “Genetic test” means a test that analyzes DNA, RNA or chromosomes for purposes such as the prediction of disease or vertical transmission risks, or monitoring, diagnosis or prognosis.

Medical Condition

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

* Conditions, exclusions, limitations apply. See policy for details.

National Student

(All dollar figures are in Canadian dollars.)

Are you a Canadian preparing to study in Canada, but outside of your home province? If so, you'll be spending many months without the full protection of your government health plan. If you fall sick or get injured, you may be on the hook for expensive medical costs.

While you're away, the National Student plan can cover many costs for both emergency and non-emergency medical expenses - up to $1 million.


Plan Benefits

+

Emergency Medical Benefits*

  • Hospital expenses - up to the $1 million maximum
  • Physician services
  • Diagnostic services
  • Private duty nurse
  • Ambulance transportation
  • Prescription drugs - up to 30 day supply
  • Paramedical services - including visits to licensed chiropodists, podiatrists, physiotherapists, chiropractors, or osteopaths
  • Emergency dental treatment
  • Psychiatric care
  • Trauma counselling
  • Medical appliances
  • Emergency evacuation
  • Family transportation to bedside and subsistence allowance
  • Repatriation of mortal remains
  • Tuition reimbursement
  • Trip break

Non-Emergency Medical Benefits*

  • Annual medical examination
  • Annual eye examination
  • Maternity benefit

Eligibility

+

To be eligible for insurance under this policy, you must be:

  • under the age of 55; and
    • a full-time student with proof of admission or enrolment in a recognized institute of learning; or
    • a student completing post-doctoral research in a recognized institute of learning; or
    • dependant(s) and/or the spouse of and living with a student covered under this insurance, and named on the application.

You are not eligible for any coverage under this policy if your trip is booked or undertaken:

  • contrary to medical advice;
  • while you require kidney dialysis;
  • if you have used home oxygen at any time during the twelve (12) months prior to the date of application; and/or
  • you have been diagnosed with a terminal illness with less than two (2) years to live.

Pre-Existing Condition Exclusions

+

This policy will not pay any expenses or benefits directly or indirectly relating to:

  1. A pre-existing condition that was not stable in the three (3) months before your effective date.
  2. Any pre-existing condition of a covered dependant and/or spouse that was not stable in the three (3) months before the date the dependant/spouse became covered under this policy.
  3. For covered dependants under two (2) years of age, any medical condition related to a birth defect whether genetic, acquired, or congenital.

Pre-Existing Condition

“Pre-Existing Condition” means a medical condition that exists before your effective date.

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.

Treatment

“Treatment” means hospitalization, a procedure prescribed, performed or recommended by a physician for a medical condition. This includes but is not limited to prescribed medication, investigative testing and surgery. IMPORTANT: Any reference to testing, tests, test results, or investigations excludes genetic tests. “Genetic test” means a test that analyzes DNA, RNA or chromosomes for purposes such as the prediction of disease or vertical transmission risks, or monitoring, diagnosis or prognosis.

Medical Condition

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

* Conditions, exclusions, limitations apply. See policy for details.

Inbound Student

(All dollar figures are in Canadian dollars.)

If you're coming from outside Canada to study here, it's important to protect yourself with medical insurance. While many medical costs are covered for Canadians, unfortunately that protection is not extended to international students.

While you're in Canada, the Inbound Student plan can cover many costs for both emergency and non-emergency medical expenses - up to $1 million.


Plan Benefits

+

Emergency Medical Benefits*

  • Hospital expenses - up to the $1 million maximum
  • Physician services
  • Diagnostic services
  • Private duty nurse
  • Ambulance transportation
  • Prescription drugs - up to 30 day supply
  • Paramedical services - including visits to licensed chiropodists, podiatrists, physiotherapists, chiropractors, or osteopaths
  • Emergency dental treatment
  • Psychiatric care
  • Trauma counselling
  • Medical appliances
  • Emergency evacuation
  • Family transportation to bedside and subsistence allowance
  • Repatriation of mortal remains
  • Tuition reimbursement
  • Trip break

Non-Emergency Medical Benefits*

  • Annual medical examination
  • Annual eye examination
  • Maternity benefit

Eligibility

+

To be eligible for insurance under this policy, you must be:

  • under the age of 55; and
    • a full-time student with proof of admission or enrolment in a recognized institute of learning; or
    • a student completing post-doctoral research in a recognized institute of learning; or
    • dependant(s) and/or the spouse of and living with a student covered under this insurance, and named on the application.

You are not eligible for any coverage under this policy if your trip is booked or undertaken:

  • contrary to medical advice;
  • while you require kidney dialysis;
  • if you have used home oxygen at any time during the twelve (12) months prior to the date of application; and/or
  • you have been diagnosed with a terminal illness with less than two (2) years to live.

Pre-Existing Condition Exclusions

+

This policy will not pay any expenses or benefits directly or indirectly relating to:

  1. A pre-existing condition that was not stable in the three (3) months before your effective date.
  2. Any pre-existing condition of a covered dependant and/or spouse that was not stable in the three (3) months before the date the dependant/spouse became covered under this policy.
  3. For covered dependants under two (2) years of age, any medical condition related to a birth defect whether genetic, acquired, or congenital.

Pre-Existing Condition

“Pre-Existing Condition” means a medical condition that exists before your effective date.

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.

Treatment

“Treatment” means hospitalization, a procedure prescribed, performed or recommended by a physician for a medical condition. This includes but is not limited to prescribed medication, investigative testing and surgery. IMPORTANT: Any reference to testing, tests, test results, or investigations excludes genetic tests. “Genetic test” means a test that analyzes DNA, RNA or chromosomes for purposes such as the prediction of disease or vertical transmission risks, or monitoring, diagnosis or prognosis.

Medical Condition

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

* Conditions, exclusions, limitations apply. See policy for details.