Manulife Visitor To Canada Travel Insurance: Comparison of Plans
Overview of Emergency Medical Benefits
Manulife offers two Single-Trip Emergency Medical plans—Plan A and Plan B—designed for visitors to Canada. These plans provide essential coverage for unexpected medical emergencies during your travels. Below is a summary of their key benefits:
Plan A: This plan does not cover pre-existing medical conditions that have been treated within 180 days prior to the effective date of the insurance policy.
Plan B: Unlike Plan A, this plan provides coverage for pre-existing medical conditions as long as the condition has been stable for at least 180 days before the effective date.
Key Benefits Comparison
Both plans offer similar coverage features, including:
Hospital & Physician Services: Coverage for necessary medical treatments during your stay.
Professional Services: Includes services from chiropractors, osteopaths, acupuncturists, chiropodists, physiotherapists, or podiatrists.
Ambulance Transportation: Coverage for necessary ambulance services.
Emergency Dental Treatment: Coverage for urgent dental issues.
Bringing Someone to Your Bedside: Assistance for a family member or friend to come to the hospital.
Meals, Hotel, Phone Calls, and Taxi: Coverage for expenses incurred during a medical emergency.
Repatriation of Remains: Coverage for the return of remains.
Evacuation Home: Coverage for transportation back to your home country if needed.
Return Home of Children: Arrangements for children to return home.
Childcare: Coverage for childcare services during medical emergencies.
Hospital Allowance: Daily allowance for hospital stays.
Trip Break: Coverage for interruption of the trip for medical reasons.
Return of Travel Companion: Coverage for a companion to return home.
Coverage Limits
Plan A
For visitors 30 days to 85 years of age, maximum sum insured: up to $15,000, $25,000, $50,000 or $100,000
For visitors 30 days to 69 years of age, maximum sum insured: up to $150,000
Can be purchased up to 365 days prior to arrival in Canada
Plan B
For visitors 30 days to 85 years of age, maximum sum insured: up to $15,000, $25,000, $50,000 or $100,000
For visitors 30 days to 69 years of age, maximum sum insured: up to $150,000
Purchase Terms
Plans can be purchased up to 365 days prior to arrival in Canada.
If purchased after arrival, there is a 48-hour waiting period before coverage takes effect (with exceptions for accidental bodily injury).
Additional Features
Travel Accident Benefits: Offers up to $50,000 for death or double dismemberment and $25,000 for single dismemberment. This benefit is included in both plans.
Optional Trip Interruption: Available for $1,500 for single coverage or $5,000 for family coverage, applicable on a per-trip basis.
Side-Trips Outside Canada: Both plans provide coverage for side-trips as long as the duration does not exceed 30 days or 49% of the total coverage days.
Pre-existing Medical Condition Exclusions
Plan A: Has specific exclusions related to pre-existing conditions treated within 180 days prior to coverage (exclusions include #1 & #3).
Plan B: Covers pre-existing conditions if stable during the same timeframe but maintains certain exclusions (exclusions include #2 & #3).
What are the Pre-existing Medical Conditions & Stabi:
Coverage not provided for pre-existing medical condition for which the insured received treatment in the 180 days prior to the effective date
Coverage provided for pre-existing medical condition in which the insured was stable in the 180 days prior to the effective date
No coverage for pre-existing medical condition for which insured was hospitalized more than once for 2 consecutive days during 12 months prior to the effective date
Eligibility Requirements
Medical questionnaires are not required for Plan A. For Plan B, those aged 39 and under are not required to submit a questionnaire; however, applicants aged 40 and over must answer specific health questions for eligibility.
Extensions and Refunds
Plans allow for automatic extensions of coverage in the event of travel delays due to medical conditions.
Refunds are available for early returns, with a minimum refund of $25.
Summary
Manulife Travel Insurance provides essential emergency medical coverage for visitors to Canada, with options catering to different medical needs and pre-existing conditions. Both Plan A and Plan B offer extensive benefits designed to support travelers during medical emergencies, ensuring peace of mind while visiting.