Visitor to Canada Insurance & Returning Canadians from Ray Battiston & Manulife Financial Travel

EMERGENCY MEDICAL
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PLAN A	Coverage	0-25	26-34	35-39	40-54	55-59	60-64	65-69	70-74	75-79	80-85
30 DAY MULTI TRIP Annual Premium	$150,000 Annual Maxiumum	$205	$211	$218	$248	$317	$398	$454
SINGLE TRIP	$25,000	$1.95	$2.10	$2.20	$2.45	$2.50	$3.60	$4.20	$5.30	$5.70	$6.55
Premium per Day	$50,000	$2.25	$2.40	$2.45	$2.75	$2.80	$4.20	$4.90	$6.30	$7.15	$8.30
	$100,000	$2.95	$3.25	$3.40	$4.30	$4.35	$5.30	$6.60	$7.90	$9.30	$10.50
	$150,000	$4.15	$4.20	$4.25	$5.55	$5.60	$6.90	$8.85	n/a	n/a	n/a
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PLAN B	Coverage	0-25	26-34	35-39	40-54	55-59	60-64	65-69	70-74	75-79	80-85
30 DAY MULTI TRIP Annual Premium	$150,000 Annual Maxiumum			$229	$269	$343	$442	$490
SINGLE TRIP	$25,000			$2.25	$2.60	$2.80	$3.75	$4.25	$6.10	$7.40	$10.25
Premium per Day	$50,000			$2.50	$2.95	$3.15	$4.40	$5.00	$7.25	$9.30	$12.05
	$100,000			$3.35	$4.40	$4.55	$5.45	$6.75	$9.10	$11.25	$15.25
	$150,000			$4.35	$5.75	$5.85	$7.55	$10.00	n/a	n/a	n/a
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OPTIONAL INSURANCE SINGLE TRIP ONLY
Premium per Day		0-25	26-34	35-39	40-54	55-59	60-64	65-69	70-74	75-79	80-85
TRIP INTERRUPTION		$0.55	$0.57	$0.59	$0.61	$0.62	$0.64	$0.66	$0.68	$0.70	$0.72
TRAVEL ACCIDENT		$0.38	$0.38	$0.36	$0.36	$0.36	$0.36	$0.37	$0.37	$0.38	$0.38

Check out the Ways to Save on your premiums.

Premium

Premium rate is in $CDN per person.

Emergency Medical Family Coverage rates are 2x the premium rate of the oldest traveller under age 55.

Trip Interruption and Travel Accident Family Coverage rates are 3x the premium rate of the oldest traveller under age 55.

Rates are subject to change without notice.

Premium due is based on:

The plan purchased
The age at the effective date of insurance

Number of coverage days for Single-Trip plans must include:

The date of departure
The date of return
The number of days in between

Coverage will not take effect if the applicant's cheque or credit card payment is not honoured when presented for payment.

COVERAGE ELIGIBILITY

You are not eligible for coverage under this policy if:

The date of your trip occurs during the time that you have been advised by a physician not to travel;

You have been diagnosed with a terminal illness with less than 2 years to live;

You have a kidney condition requiring dialysis; and/or you have used home oxygen during the 12 months prior to the date of application;

You are under 31 days or over 85 years of age (over 69 years of age for $150,000 Single-Trip Emergency Medical coverage or the Multi-Trip plan).

After reading the above, if you determine that you are eligible, you qualify for PLAN A. Please go to page 4 and fill out the Personal Information section of the Application.

OPTIONAL PLAN SELECTION

Those aged 35-85 (under 69 years of age for $150,000 Single-Trip Emergency Medical coverage or the Multi-Trip plan) who are eligible for Plan A may be eligible for Plan B, which covers stable pre-existing medical conditions. However, applicants must answer NO to all the Plan B eligibility questions below

In addition, Plan B is only available to residents of the following countries or districts: Austria, Australia, Bahamas, Barbados, Belgium, Bermuda, Cayman Islands, Czech Republic, Denmark, Finland, France, Greece, Germany, Hungary, Hong Kong, India, Ireland, Israel, Italy, Jamaica, Japan, Netherlands, New Zealand, Norway, Poland, Slovakia, South Africa, Spain, Sweden, Switzerland, Trinidad & Tobago, United Kingdom, and the United States of America

Coverage

Q: Are there any deductibles under these plans?
A: The published rates for all Emergency Medical Plans include a $75 deductible. The following deductible options and discounts are available for the Single-Trip Emergency Medical Plan and the Multi-Trip Emergency Medical Plan:

To purchase a 0 deductible plan, add 5% to the premiums

Discount on Premium	Deductible Amount ($CDN)
0%	$75
15%	$500
20%	$1,000

Please note: Deductible amounts apply to emergency medical coverage only. Deductible options are not available on the Trip Interruption or Travel Accident plans.

Q: Is Family coverage available?
A: Yes, Family coverage is available for Plan A Emergency Medical, Trip Interruption and Travel Accident plans. It is not available for Plan B. Family coverage covers you, your spouse and dependent children and all family members must be under age 55. Plan A Emergency Medical is 2X the premium due for the oldest traveler under age 55. Trip Interruption and Travel Accident is 3x the premium due for the oldest traveler under age 55.

Q: Are Top-Ups available on the Multi-Trip plans?
A: Top-Up coverage must be purchased prior to departure and is subject to an extra premium charge. Single-Trip Emergency Medical Plan A can be used to top up Multi-trip Emergency Medical Plan A, and Single-trip Emergency Medical Plan B can be used to top-up Multi-trip Emergency Medical Plan B. Top-ups can be purchased for a maximum trip duration of 365 days.

Q: What if an insured traveller needs or wants to stay longer than planned?
A: To extend your coverage, you must make your request before your expiry date or the date you were scheduled to return home as per your confirmation. If you have not had a medical condition or have a pending claim since your effective date of insurance, the extension may be issued upon request. If you have, the extension is subject to the approval of the Assistance Centre. A $25 administration fee will apply to each extension.

Q: Are refunds available?
A: When an insured returns home before the scheduled return date as per the confirmation, and there is no claim, refunds are available for the unused days of the trip. Minimum refund of $25.

Q: Does this policy cover newborns?
A: In order to be covered under this plan, children have to be at least 31 days old.