Key Benefits Comparison

Both plans offer similar coverage features, including:

1. Hospital & Physician Services: Coverage for necessary medical treatments during your stay.

2. Professional Services: Includes services from chiropractors, osteopaths, acupuncturists, chiropodists, physiotherapists, or podiatrists.

3. Ambulance Transportation: Coverage for necessary ambulance services.

4. Emergency Dental Treatment: Coverage for urgent dental issues.

5. Bringing Someone to Your Bedside: Assistance for a family member or friend to come to the hospital.

6. Meals, Hotel, Phone Calls, and Taxi: Coverage for expenses incurred during a medical emergency.

7. Repatriation of Remains: Coverage for the return of remains.

8. Evacuation Home: Coverage for transportation back to your home country if needed.

9. Return Home of Children: Arrangements for children to return home.

10. Childcare: Coverage for childcare services during medical emergencies.

11. Hospital Allowance: Daily allowance for hospital stays.

12. Trip Break: Coverage for interruption of the trip for medical reasons.

13. 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:

1. Coverage not provided for pre-existing medical condition for which the insured received treatment in the 180 days prior to the effective date

2. Coverage provided for pre-existing medical condition in which the insured was stable in the 180 days prior to the effective date

3. 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.