Manulife CoverMe Travel InsurancePolicy for Visitors to CanadaEffective December 2018Underwritten byThe Manufacturers Life Insurance Company and First North American InsuranceCompany, a wholly owned subsidiary of Manulife.Visitors to CanadaTravel InsuranceVisitors to CanadaTravel InsuranceIn case of a Medical Emergency, you must call our Assistance Centre:In case of a Medical Emergency, you must call our Assistance Centre:1 877 878-01421 877 878-0142toll-free from the USA and CanadaNameEffective Date 1 (519) 251-5166collect to Canada from anywhere else in the worldPolicy #Expiry DatePlease remember to keep this card in your wallet during your trip.toll-free from the USA and CanadaNameEffective Date 1 (519) 251-5166collect to Canada from anywhere else in the worldPolicy #Expiry DatePlease remember to keep this card in your wallet during your trip.
Manulife CoverMe Travel Insurance Policy for Visitors to CanadaEffective December 2018Accessible formats andcommunication supports are availableupon request. Visit Manulife.ca/accessibility for more information.Table of contents1. Important Notice . .32. Identification of Insurer . 33. In the event of an Emergency. 34. Eligibility . 35. What else you need to know? . 310-Day Free Look – If you notify us within 10days of your purchase date, as indicated on yourconfirmation, that you are not completely satisfiedwith your policy, we will provide a full refund if youhave not already departed on your trip and thereis no claim in progress. Refunds are only availablewhen Manulife receives your request for a refundbefore your departure date.6. General Information . 4Family Coverage. 4When Your Coverage Starts . 4When Your Coverage Ends . 4Coverage for side-trips outside of Canada. 4Automatic Extension . 4To Stay Longer than Planned. 4Cancellation & Refunds . 57. How to make a claim. 58. Emergency Medical Insurance . 5What is covered . 5What is not covered . 7Emergency Medical Insurance claim . 89. Travel Accident Insurance . 8What is covered . 8What is not covered . 8Travel Accident Insurance claim . 9Everyone wants to have a carefree trip and should beable to travel with confidence in their travel insurancepurchase. Most people travel every day without aproblem, but if something does happen, the membercompanies of the Travel Health Association ofCanada (THiA) want you to know your rights. THiA'sTravel Insurance Bill of Rights and Responsibilitiesbuilds on the golden rules of travel insurance:Know your health Know your tripKnow your policy Know your rights10. Optional Trip Interruption Insurance . 9What is covered . 9What is not covered . 9Trip Interruption Insurance claim . 911. What else do you need to know? . 10How does this insurance work with othercoverages that you may have?. 1012. Definitions .1113. Notice on privacy. 13For more information, go towww.thiaonline.com/Travel Insurance Bill of Rights and Responsibilities.htmlIf you need medical attention or must make any other type of claim duringyour trip, call us for assistance first. The Assistance Centre is open 24 hoursa day, each day of the year.If you need medical attention or must make any other type of claim duringyour trip, call us for assistance first. The Assistance Centre is open 24 hoursa day, each day of the year.Please note that if you do not call the Assistance Centre within 24 hours ofhospitalization, you will have to pay 20% of the eligible medical expenses wewould normally pay under this policy. If it is medically impossible for you tocall, please have someone call on your behalf.Please note that if you do not call the Assistance Centre within 24 hours ofhospitalization, you will have to pay 20% of the eligible medical expenses wewould normally pay under this policy. If it is medically impossible for you tocall, please have someone call on your behalf.Immediate access to the Assistance Centre is alsoavailable through its TravelAid mobile app.To download the app, iate access to the Assistance Centre is alsoavailable through its TravelAid mobile app.To download the app, visit:http://www.active-care.ca/en/travelaid/The Manufacturers Life Insurance CompanyThe Manufacturers Life Insurance Company
Please note that if you do not call the Assistance Centre in anemergency and prior to treatment, you will have to pay 20%of the eligible medical expenses we would normally pay underthis policy. If it is medically impossible for you to call, pleasehave someone call on your behalf.Important noticeRead your policy carefully before you travel Travel insurance is designed to cover losses arising fromsudden and unforeseeable circumstances. It is importantthat you read and understand your policy before you travel,as your coverage may be subject to certain limitations orexclusions. Your policy may not provide coverage for a medicalcondition and/or symptoms that existed prior to your trip.Check to see how this applies in your policy and how itrelates to your departure date, date of purchase or effectivedate. In the event of an accident, injury or sickness, your priormedical history may be reviewed when a claim is made. If your policy provides travel assistance, you may berequired to notify the designated assistance company priorto treatment. Your policy may limit benefits should you not contact theassistance company within a specified period of time.Our Assistance Centre also offers a medical consultationservice that connects you within minutes to a Canadianlicensed primary care physician to get an assessment,diagnosis and prescription as needed. Be sure to ask theAssistance Agent to be referred to the Maple telemedicineservice available twenty-four hours a day, seven days a week.Currently, Maple is available in Ontario, British Columbia, NovaScotia, Manitoba, Newfoundland and Labrador, Alberta, PrinceEdward Island, New Brunswick, Quebec, Nunavut and Yukon.As a visitor to either of these provinces, you can use Mapleduring your stay in the province.EligibilityWho can apply? Visitors to Canada; Canadians who are not eligible for benefits under agovernment health insurance plan; Persons who are in Canada on a work visa or Parent andGrandparent Super Visa; or New immigrants who are awaiting Canadian governmenthealth insurance plan coverage.Notice Required by the Alberta Insurance Act:This policy contains a provision removing or restricting theright of the insured to designate persons to whom or forwhose benefit insurance money is to be payable.Italicized words have a specific meaning. Please refer to the“Definitions” section of this policy, to find the meaning of eachitalicized word.Eligibility requirementsIdentification of InsurerYou are not eligible for coverage under this policy if any of thefollowing apply to you: you are travelling against the advice of a physician; you have been diagnosed with a terminal illness with lessthan 2 years to live; you have a kidney condition requiring dialysis; you have used home oxygen during the 12 months prior tothe date of application; you have been diagnosed with Alzheimer's disease or anyother form of dementia; you are under 30 days or over 85 years of age (over 69years of age for 150,000 Emergency Medical coverage); you reside in a nursing home, home for the aged, otherlong-term care facility or rehabilitation centre; you require assistance with activities of daily living.This policy is underwritten by The Manufacturers Life InsuranceCompany (Manulife) and First North American InsuranceCompany (FNAIC), a wholly owned subsidiary of Manulife. Anyrisks identified with the symbol ‡ throughout this documentare covered by FNAIC. Manulife has appointed Active ClaimsManagement Inc. (operating as Active Care Management) as theprovider of all assistance and claims services under this policy.In the event of an EmergencyCall the Assistance Centre immediately1 877 878-0142 toll-free from Canada or the U.S. or 1 (519) 251-5166 collect from anywhere else.Our Assistance Centre is there to assist you24 hours a day, each day of the year.What else you need to know whenapplying for coverage:Immediate access to the Assistance Centre is also availablethrough its TravelAid mobile app. The TravelAid mobile app canalso provide you with directions to the nearest medical facility,and local emergency telephone numbers (such as 911 in NorthAmerica).To download the app, visit: http://www.active-care.ca/en/travelaid/3 Coverage must not exceed 365 days. Application for insurance may be made before or after youarrive in Canada. Plan B applicants 40 years of age or over must completethe medical questionnaire. A waiting period will apply, except in the case of injury, ifyou purchase this insurance after your arrival in Canada or
after the expiry date of an existing Visitors to Canada policyissued by us. Please review the waiting period definition. You may not be covered under more than one plan duringyour trip. when you become a resident of a nursing home, home forthe aged, or other long-term care facility during your trip; no more than 365 days after your effective date ofinsurance; or the first day you become insured under a governmenthealth insurance plan. EXCEPTION: If you are a visitor toCanada with an IEC work permit, this policy will continue toprovide eligible benefits that are not covered by yourgovernment health insurance plan. A 75 deductible applies to each claim made under thispolicy, unless you chose the option of no deductible, 500, 1,000, 2,500, or 5,000 deductible per claimin your application for insurance, and paid the applicablepremium. The deductible amount is the amount of coveredexpenses that you are responsible for paying per personper emergency medical claim. Your deductible amount is inCanadian dollars. The deductible amount is shown on yourconfirmation. Under Plan A, no benefits are payable for a pre-existingcondition that existed within the 180 days prior toyour effective date of insurance. Please refer to thesection “What is not covered under Emergency MedicalInsurance?”. Under Plan B, no benefits are payable for a preexisting condition that is not stable within 180 days ofthe effective date. Please refer to the section “What isnot covered under Emergency Medical Insurance?”.At no additional premium, coverage is included up to the dateand time you arrive home following an uninterrupted flightfrom Canada directly home, with no intention to return toCanada during your period of coverage under this insurance.An uninterrupted flight can include a stop-over provided you donot leave the airport.During your coverage period, if you return home under the TripBreak benefit (#13), your Visitors to Canada coverage will besuspended but not terminated and when you return to Canada,your policy coverage will resume provided you are still eligiblefor coverage. There will be no refund of premium for any of thedays during your return home.General InformationInsurance coverage for side-trips outside CanadaThis insurance provides coverage while travelling outsideCanada (excluding your country of origin), as long as yourside-trip originates and terminates in Canada and does notexceed the lesser of: 30 days per policy or 49% of your totalnumber of coverage days as stated on your confirmation.To apply for coverage, you or someone on your behalf mustcomplete and sign the Manulife CoverMe Visitors to Canadaapplication for insurance form not more than 365 days beforethe effective date of coverage, and return it to us with yourpayment of the required premium.During your coverage period, if you take a side-trip outsideof Canada that is longer than that permitted in this policy,your Visitors to Canada coverage will be suspended for theremainder of your side-trip but your coverage will not beterminated. When you return to Canada, your coverage willresume.Family Coverage is available under Plan A if you purchasedand paid the premium for Family Coverage. The parent(s) mustbe under the age of 60 and their unmarried dependent son ordaughter, travelling with them must be:- dependent on the parent(s) for support; andAutomatic extension of your coverage is provided beyondthe date you were scheduled to return home as per yourconfirmation if: your common carrier is delayed and prevents you fromtravelling on your expiry date. In this case, we will extendyour coverage for up to72 hours; you or your travel companion are hospitalized on your expirydate. In this case, we will extend your coverage during thehospitalization up to a maximum of 365 days or until, in ouropinion, you are stable for discharge from the hospital orfor evacuation home, whichever is earlier, and for up to 5days after discharge from the hospital; you or your travel companion have a medical condition thatdoes not require hospitalization but prevents travel on yourexpiry date, as confirmed by a physician. In this case, wewill extend your coverage for up to 5 days.- named on the confirmation; and- at least 30 days of age but under 21 years of age; or,- any age if mentally or physically disabled.Your coverage starts on the later of: the effective date of insurance as shown on yourconfirmation; or the time and date you arrive in Canada from home.Except for losses resulting from any injury, coverage will begin48 hours after the effective date if you purchase your policy: after the expiry date of an existing Manulife policy; or after you leave home.When coverage is purchased prior to leaving home with aneffective date equal to the date and time you are scheduledto arrive in Canada, coverage will also be provided with noadditional premium during your uninterrupted flight directlyto Canada. An uninterrupted flight can include a stop-overprovided you do not leave the airport.Your coverage ends on the earliest of the following: each time you leave Canada to return home; when your policy expires as shown in your confirmation;4To extend your coverage, you must make your requestbefore your expiry date or the date you were scheduled toreturn home as per your confirmation. If you have had nochange in your health status and have had no event that hasresulted or may result in a claim against the policy since the
effective date of insurance, the extension may be issued uponrequest. Otherwise, the extension is subject to the approvalof the Assistance Centre. In order to avoid the waiting period,purchase your extension of coverage before the expiry date ofyour existing Visitors to Canada policy issued by us.expenses will be accepted for consideration under the policy,regardless of the date the expense was incurred. Refundswill be credited to the same credit card used to chargethe premium. No refunds are available for Trip InterruptionInsurance after the effective date, side-trips or Trip Breaks.To obtain a refund of premium:a) If you are cancelling your policy because your application fora Parent and Grandparent Super Visa was refused, you mustprovide proof of visa refusal with your request for a fullrefund. Otherwise, you can ask for a full refund at any timebefore the effective date of your insurance.How to make a claimTo make a claim due to sickness or injury during yourtrip, please call the Assistance Centre at:1 877 878-0142b) If you obtain Canadian government health insurance plancoverage, or return home before the date you were scheduledas per your confirmation, and have not reported or initiated aclaim, you may ask for a refund of the premium for the unuseddays of your trip. You will need to provide proof of the date youactually returned home or the effective date of your Canadiangovernment health insurance plan coverage. Simply contactus to ask for a refund. All travellers insured under the samepolicy must return together or have Canadian governmenthealth insurance plan coverage in effect for a refund to bepossible. Minimum premium refund amount is 25.Toll-free from the USA and Canada. 1 (519) 251-5166Collect to Canada from anywhere else.Immediate access to the Assistance Centre is also availablethrough its TravelAid mobile app. To download the app, visit:http://www.active-care.ca/en/travelaid/Call within 24 hours of hospitalization. If you do notcontact the Assistance Centre before receiving medicaltreatment, you will have to pay 20% of the medical expenseswe would normally pay under this insurance. If it is medicallyimpossible for you to call when the emergency happens, the20% co-insurance will not apply. In this case, we ask that youcall as soon as you can or that someone call on your behalf.c) If you hold a Parent and Grandparent Super Visa and havepurchased 365 days of coverage, and are requesting apartial refund due to your early return to your home ordeparture from Canada and: have had no claim that has been reported, paid or denied,- unused premiums (minimum of 25) may be refundedwhen you have provided proof of return to your home ordeparture from Canada: or have reported a claim or have a payable claim for whichthe payment has not been issued or the total amount ofall reported eligible claim expenses will not exceed thedeductible amount, or if a claim has been denied,- you may apply to have such claim withdrawn and, subjectto our approval, the unused premium may be refundedless a handling fee of 300 per claim, which will bededucted from any amount to be refunded. Any expensesrelated to any claim that you withdraw, will be yourresponsibility for payment. a claim has been paid,- no refund is possible.The Assistance Centre will verify and explain your coverageto you; refer you to a medical provider; arrange to have yourcovered expenses billed directly to us where possible; andmonitor your medical condition.Please mail all original receipts, bills and invoices to:Manulife CoverMe Travel Insurancec/o Active Care ManagementP.O. Box 1237, Stn. AWindsor, ON N9A 6P8Your claim must be sent to us within 90 days of your loss.Ensure you keep a copy of your receipts, bills and invoices foryour records.To determine which documents are needed for each type ofclaim, refer to the insurance plan under which you are filing aclaim.What is covered under EmergencyMedical Insurance?A written request to cancel this policy must be received within60 days following the date you return home along with proofof your departure from Canada. In no event will we back-date acancellation to more than 60 days prior to the date of receiptof your cancellation request. If your cancellation request mustinclude
able to travel with conidence in their travel insurance purchase. Most people travel every day without a problem, but if something does happen, the member companies of the Travel Health Association of Canada (THiA) want you to know your rights. THiA's Travel Insurance Bill of Rights and Responsibilities builds on the golden rules of travel ...