Manulife Financial:
Visitors to Canada Medical Insurance
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Please note that Effective Date change can only be done before your policy is in effect.
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.
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.
– 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.
Click on the following link to download Manulife Financial | Policy Wording.
– 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.
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.
– 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.
– 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.
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)
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
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!
– Bleedings
– 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.
