Manulife Financial:
Visitors to Canada Medical Insurance

Get a quote for            
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.
Pre-existing 2 person

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
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
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
Emergency Medical Care
Laboratory Diagnostics / X-Ray
Return of Deceased
Up to $6,000
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.