Manulife Financial:
Visitors to Canada Medical Insurance

Manulife offers comprehensive health & travel insurance options for Super Visa program, Tourists and Visitors, New Immigrants as well as other people without provincial medical coverage in Canada.
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SELECT VISA TYPE
1PERSON AGE
2 PERSON AGE
COVERAGE (CAD)
START DATE
END DATE In New Immigrants/Returning Canadians/Foreign Workers mode, the End Date is set automatically to the minimum amount of days required for the specific province you choose. If you would like to manually set your End Date, please select IEC/Tourist/Visitor/Working Holiday mode.
Pre-existing 1 person If you have a stable existing medical condition, such as a damaged or sick organ, select Yes. If you do not have an existing medical condition, select No. Conditions that are not stable are not covered. Also, some specific conditions, such as heart disease, may not be covered. Please read this company's full coverage details to determine what pre-existing conditions are covered by this company.
Stable period <b>Stable means a pre-existing medical condition that:</b><br><br> 
a) did not require, or was not  recommended for any changes to existing treatment or new treatment;<br>
b) did not become worse during the chosen stability period.<br>
c) did not require a change in type or dosage of medication (if any are being taken by the person to be insured).<br><br>
<i>* Please note that if you are currently taking any medications and/or undergoing continuous treatment, expenses associated with these are not covered under any policy as per ongoing treatment exclusion.</i>
Pre-existing 2 person
Stable period <b>Stable means a pre-existing medical condition that:</b><br><br> 
a) did not require, or was not  recommended for any changes to existing treatment or new treatment;<br>
b) did not become worse during the chosen stability period.<br>
c) did not require a change in type or dosage of medication (if any are being taken by the person to be insured).<br><br>
<i>* Please note that if you are currently taking any medications and/or undergoing continuous treatment, expenses associated with these are not covered under any policy as per ongoing treatment exclusion.</i>

Your personal information is safe with us.
In order to calculate a personal insurance quote, simply select the number of applicants, their age(s) and indicate whether or not they have any pre-existing
medical conditions. To finalize your results, click on Calculate Quote after you choose desired policy duration and a coverage limit!

Summary of Benefits
Eligibility Requirements
How to Get a Refund
How to Make a Claim

COVID-19 Notice: Please stay up to date with the latest policy changes concerning COVID-19 coverage and eligibility requirements by using the following link – COVID-19 Insurance Updates
Summary of Benefits
Benefit
Coverage Limit
Eligible For
Super Visa, Visitors, New Immigrants, Foreign Workers, Returning Canadians and IEC / Working Holiday
Coverage Amounts
$15,000 / $25,000 / $50,000 / $100,000 / $150,000
Accidental Dental Repair
$4,000
Dental Pain Relief
Up to $300
Childcare Expenses
Up to $300
Pregnancy Complications Coverage
Within sum insured
Meals and Accommodation
$150 a day up to $1,500
Paramedical Services of chiropractor, osteopath, etc.
Up to $70 per visit / $700 maximum
Bedside Companion Transportation
Up to $3,000
Private Duty Nurse
Within sum insured
Follow Up Treatment
Covered until a physician declares an end of emergency
Prescription Drugs
Hospitalization
Emergency Medical Care
Laboratory Diagnostics / X-Ray
Return of Deceased
$3,000
Funeral
Up to $6,000
Cremation
Up to $3,000
Repatriation / Emergency Return Home
Economy Class ticket or Air Ambulance
Rental or Purchase of Medical Appliances
Changing the Effective Date:
Your insurance policy will automatically begin on the Effective Date indicated on your confirmation of coverage document. Please get in touch with us before your insurance coverage commences in case your travel plans change and you need to change the Effective Date.

Please note that Effective Date change can only be done before your policy is in effect.

Trip-Breaks Benefit:
Trips brakes are available for Visitors to Canada, who would like to visit their home country without breaking the insurance coverage provided by Manulife.

Please note that Manulife does not cover medical care costs incurred in your country of origin. In order to be eligible for a Trip Break benefit you have to contact Manulife Assistance Center prior to visiting the country of permanent residence.

Side-Trips Benefit:
Side-trips benefits are also available for Visitors to Canada as Manulife covers medical care costs for emergencies all around the world, except for your country of origin and any other territory, where you are or can become eligible for a government health care plan.

Important: To qualify for and receive the Side-Trips benefits your trip MUST begin and end in Canada. In addition, please note that your side-trip should not exceed the lesser of: 30 days per policy or 49% of your total number of coverage days as stated on your coverage confirmation document.

In case you decide to travel outside of Canada for a longer period of time during your coverage period, your insurance will be suspended for the remainder of your side-trip but it will NOT be terminated. Your coverage will resume once you return to Canada.

Waiting Period:
Waiting Period applies to any individuals, who purchase Manulife insurance policy after their arrival in Canada, unless it is an interrupted continuation of insurance coverage with Manulife:

– 48-hour period immediately following and including the effective date.

Waiting Period does not apply to any individuals, who have purchased their policies BEFORE arriving in Canada and adjusted the Effective Date to their actual arrival date in Canada.

Important Notice: Expenses related to any sickness that manifests itself during the waiting period, excluding physical injury treatments, are not covered under this insurance plan, even if the costs are incurred after the waiting period has ended.

Exclusion: Waiting periods are waived for physical injuries sustained during the period of insurance coverage.

A complete set of Coverage Exclusions and Eligibility Requirements are outlined in a policy document for Visitors to Canada medical care plan by Manulife – Policy Wording.

Policy Wording:
Policy Wording represents a medical plan description, which provides you with a detailed information about the coverage, exclusions, limitations, premium refunds and more. Please read this policy carefully before you continue with the purchase.

Click on the following link to download Manulife Financial | Policy Wording.

Eligibility Requirements
You are NOT eligible to receive medical emergency coverage from Manulife if:

– You are not yet 30 days old or over 85 years old.
– Your physician advised you not to travel.
– You have been diagnosed with a terminal illness with less than 2 years to live.
– You have a kidney condition that requires dialysis.
– You have used home oxygen during the last 12 months (before the application date).
– You have been diagnosed with Alzheimer’s disease or any other form of dementia.
– You reside in a nursing home, home for the aged, other long term care facility or rehabilitation center.
– You require assistance with activities of daily living.

Pre-Existing Medical Conditions Coverage:

There are two medical emergency insurance plans available from Manulife:

• Plan A: excludes coverage for stable pre-existing medical conditions.
– Family coverage is only available for Plan A, when all family members are under 60 years old.

• Plan B: provides comprehensive coverage for pre-existing medical conditions that have been stable for the last 180 days prior to the effective date.

Visitors & Immigrants insurance from Manulife covers certain pre-existing medical conditions under Plan: B, provided such conditions are stable for at least 180 days immediately before the Effective Date of your policy.

In addition, you will be required to complete a Medical Questionnaire at the time of application in order to confirm your eligibility for the pre-existing medical conditions coverage.

How to Get a Refund
Please Note that refunds are available when you have NOT made any claims using your Visitors to Canada medical emergency insurance from Manulife.

Full Premium Refunds:
Request a Full Refund if:
– Your Super Visa insurance plan from Manulife is cancelled before the effective date.
– Super Visa is not granted. A satisfactory proof of Super Visa rejection from IRCC is required.
– You request to cancel your policy within 10 days immediately following its purchase, provided that you have not started your trip to Canada.
Partial Premium Refunds:
Request a Partial Refund if:

– Early Departure – return to your country of origin before the expiry date on your Manulife insurance policy. This particular refund is calculated from the day you have returned home.
– You become eligible for a Provincial medical insurance plan, while your Manulife policy is still active. Once you receive your government coverage, partial refund will be calculated starting from its effective date.

Minimum premium refund amount is $25. Refunds that are less than the minimum amount will not be issued.

Important Notice: Please note that in case you have a Super Visa, for which you have purchased an insurance policy for the duration of 365 days, and are requesting a partial refund due to Early Departure from Canada and:

1) No claim has been reported, paid or denied,
– Unused insurance premiums can be refunded when you request a refund and provide a satisfactory proof of return to home country / departure from Canada such as a copy of a boarding pass.

2) Reported a claim or have a payable claim, for which the insurer has not issued a payment, or the total amount of all reported and eligible claim expenses does not exceed the deductible amount on your insurance policy,
– You may apply to have such claim withdrawn and, subject to insurer’s approval, the unused premium may be refunded (less a processing fee of $300 per claim deducted from the refund amount).

3) Claim has been denied or paid,
– Premium refunds are not available.

Requests to cancel your policy must be received within 60 days following the date of you return home (along with proof of your departure from Canada). The insurer WILL NOT back-date a cancellation to a date more than 60 days prior to the date cancellation request was received.

If the cancellation request is received more than 30 days from the date you returned to home country, the insurer will require a copy of every passport page (for each person insured) to verify that insured people did not visit Canada between the date of departure from Canada and the date cancellation request was received.

Please read the section on Premium Refunds that can be found in the Policy Wording.

 
In order to request a refund, please contact one of our Insurance Advisors.

How to make a Claim
If it happens to be a medical emergency, you or someone on your behalf MUST notify the insurance company prior to making a claim in order to have it covered.

Manulife Assistance Center is available 24 hours and 7 days a week.

– Toll-Free – 1-877-878-0142 (within USA and Canada)
– Collect – 1-519-251-5166 (worldwide)

Emergency Reporting & Claim Submission:

In order to proceed with a claim you need to do the following:

– Complete a Claim Form that either sent to you or you were told where to get it by Assistance Centre Representative, unless it is a Direct Billing, and attach all original medical receipts for treatment and prescription medication.
– Send the form with your receipts to the following address:

Manulife Financial Travel Insurance
c/o Active Care Management
P.O. Box 1237 Stn. A
Windsor, Ontario
N9A 6P8

Limited Pregnancy Complications Coverage
Travelling to Canada as a Visitor, New Immigrant, IEC or Work Permit Holder or you are a Returning Canadian resident and need medical insurance to cover possible pregnancy complications treatment? You can opt for Manulife medical emergency insurance with pregnancy complications coverage!

If you are not eligible for provincial insurance coverage during your visit or for the first few months following your arrival in Canada and you are already pregnant, Manulife’s Visitors and Immigrants to Canada insurance could be an ideal choice for you!

Limited pregnancy insurance coverage is provided ONLY up to the 31st week of pregnancy, excluding the final 9 weeks BEFORE the expected delivery date, for the following complications:

– Premature birth
– Bleedings
– Abdominal pain
– Miscarriage

 
Important Notice: Pregnancy complications coverage is provided by both Plan A and Plan B offered by Manulife Financial. It comes as a supplementary feature to the standard package of medical emergency benefits at no additional cost. You may purchase this insurance even if you are already pregnant.

Need help deciding?
Select the best way to get in touch with our Insurance Advisors and let’s discuss your insurance options today!
Available Weekdays | 10am-11pm EST, Weekends | 12pm-8pm EST
Testimonials

Fahim SaberFahim Saber
22:07 17 Dec 23
I have had the most seamless smoothest experience ever with this insurance company. Every change I had to make regarding my parents supervisa medical insurance was processed quickly with no complications. They have been understanding of my situation through all the ups and downs over the last few years including the difficult and complex covid periods. Particular kudos to Lea for making this complicated insurance experience a siimple and stress free process for me.
Igor KiselyovIgor Kiselyov
19:59 23 Nov 23
Great service, efficient communication, and a really easy way to get insurance with lots of help and support to get the right deal.
Colin TaylorColin Taylor
18:34 21 Nov 23
I have purchased a few policies with Lea, and each time the service was great! The last one took less than 10 minutes to complete!The polices itself are also good, as we have not had any problems with claims so far.
A LA L
00:18 15 Nov 23
I have purchased parents visitor insurance twice from Arbetov. I got fast and patient response from Lea. Her professional attitude makes me confident to trust Arbetov. I will repurchase from this company.
Salinda RathnayekaSalinda Rathnayeka
19:26 10 Nov 23
I have been purchased travel insurances for my parents multiple times and they are super friendly and very helpful. Mainly, in contacted with Lea, helped me to find the correct cost effective products.
Anastasia YakubovskaAnastasia Yakubovska
17:12 08 Nov 23
Great fast service, have been with them for a few years now. Good options for insurance!
Natali ChizikNatali Chizik
18:08 06 Nov 23
Extremely nice and efficient staff! My go to for insurance
Gina BautistaGina Bautista
20:41 19 Jun 23
We purchased Supervisa insurance through Arbetov Insurance many times and they have been very helpful since the very start, especially Eugene and Lea.Highly recommended!!
Lai ReyesLai Reyes
22:31 15 Mar 23
My whole experience with Arbetov was very pleasant. From the purchase and payment down to the refund request. Credits and many thanks to Lea as she was the one who assisted me with everything. She was just so responsive and very helpful all throughout! 🙂
yasir aliyasir ali
15:02 03 Nov 22
Lea was very helpful and friendly. It was a great experience.
Ella KnurikElla Knurik
21:21 20 Aug 22
Lea provided a great and professional service and helped us to find the best medical insurance for us.
Fraser LindsayFraser Lindsay
21:33 02 Jun 22
The web site was the best,clear,simple to folow, and the help chat assistance was the iceing on the cake.Lea really put me at ease and gave me advice and did all the hard work of making the policy. I have never had such an understanding helper on line before. Deserves a pay rise!
Rajneel SinghRajneel Singh
04:56 15 May 22
Lea was super helpful. She made the process of getting insurance very easy and seamless. I called her multiple times and she was very happy to respond to all my emails and calls in very prompt time. Honestly this has been the most smoothest insurance provider I have seen so far. Thank you again Lea for your kind service and help, reassuring me all the way and being the star you are! Thank you
Francesca BisiFrancesca Bisi
19:53 11 Jan 22
I would give 10 stars if I could! :)I found this insurance company by chance 4 years ago and I could not have been more lucky. For the past 4 years I've been interacting with them and in particularly with Lea. She went above and beyond to always help me to find an insurance that could satisfy my needs. She was so professional and efficient. I will definitely recommend them to anyone who might need insurance advisors! :)Thank you very much for all your brilliant job!
Chetan DhotreChetan Dhotre
21:19 23 Mar 21
I used Arbetov when shopping for super visa insurance for my parents. I found them very well priced and of great value.Since then my mother's trip has been delayed many a time but Lea has been exceptional in promptly responding to my many requests to move the insurance start date.Well priced, prompt and friendly service. What more could you ask for!
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Please note that the above information is only a summarized version of the insurance benefits and conditions detailed in the official Policy Wording issued by Manulife Financial.
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