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Manulife Financial Travel Insurance- Visitors to Canada Medical Insurance - New Dec 9 2016  latest issue  from Ray Battiston


                         
manulife financial                                                                                                                         


 

 

 
 
 

Current premiums subject to change at any time. Check with us to confirm premiums. 

 Please note these rate charts show single trip travel to Canada. You can also go to our Buy Online Link at our  Home Page - ECanadianInsurance.com and choose the Manulife Financial Travel Insurance link. This page allows you to rate out and even purchase on line. And we do sell Manulife FlexCare and FollowMe programs for extended health on clients who have Provincial Health Care coverage.

Manulife Visitors Application

Manulife Visitors Policy Wording

 
Manulife

 
Franšais

 
 
 


 

 

 
EMERGENCY
MEDICAL
PLAN A
Coverage
0-25
26-34
35-39
40-54
55-59
60-64
65-69
70-74
75-79
80-85
SINGLE-TRIP
premium
per day

 
$15,000
$2.21
$2.25
$2.35
$2.70
$3.05
$3.50
$3.95
$5.60
$6.67
$8.95
$25,000
$2.28
$2.44
$2.57
$2.95
$3.10
$3.90
$4.76
$6.67
$8.47
$10.56
$50,000
$2.63
$2.82
$2.95
$3.26
$3.68
$4.57
$5.24
$7.90
$10.14
$11.43
$100,000
$3.35
$3.62
$3.79
$4.76
$5.14
$6.00
$6.82
$9.92
$12.87
$13.10
$150,000
$4.62
$4.93
$5.71
$6.67
$7.14
$7.62
$9.52
 
 
PLAN B
Coverage
0-25
26-34
35-39
40-54
55-59
60-64
65-69
70-74
75-79
80-85
SINGLE-TRIP
premium
per day

 
$15,000
$2.43
$2.48
$2.59
$2.97
$3.36
$3.85
$4.35
$6.16
$7.34
$9.85
$25,000
$2.51
$2.68
$2.83
$3.25
$3.41
$4.29
$5.24
$7.34
$9.32
$11.62
$50,000
$2.97
$3.10
$3.25
$3.59
$4.05
$5.03
$5.76
$8.69
$11.15
$12.57
$100,000
$3.69
$3.98
$4.17
$5.24
$5.65
$6.60
$7.50
$10.91
$14.16
$14.41
$150,000
$5.08
$5.42
$6.28
$7.34
$7.85
$8.38
$10.47
OPTIONAL INSURANCE
SINGLE-TRIP ONLY
Premium per day
Coverage
0-25
26-34
35-39
40-54
55-59
60-64
65-69
70-74
75-79
80-85
TRIP INTERRUPTION
$1,500
$0.57
$0.59
$0.61
$0.63
$0.64
$0.66
$0.68
$0.70
$0.72
$0.74

 
 
Choosing the right plan
  • Premium rates are in $CDN per person.
  • Emergency Medical Family coverage rates are 2x the premium rate of the oldest traveller under age 60.
  • Trip Interruption and Travel Accident Family coverage rates are 3x the premium rate of the oldest traveller under age 60.
  • Rates are subject to change without notice.
  • Premium due is based on:
    1. The plan purchased; and
    2. The age at the effective date of insurance
  • Number of coverage days for Single-Trip plans must include:
    1. The date of departure;
    2. The date of return; and
    3. 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.

When coverage is purchased prior to leaving home with an effective date equal to the date and time you are scheduled to arrive in Canada, coverage will also be provided with no additional premium during your uninterrupted flight directly to Canada. An uninterrupted flight can include a stop-over provided you do not leave the airport.

When coverage is purchased prior to leaving Canada to return home with an expiry date equal to the date and time you are scheduled to leave Canada, coverage will also be provided with no additional premium during your uninterrupted flight from Canada directly home. An uninterrupted flight can include a stop-over provided you do not leave the airport


 

Overview of Emergency Medical Benefits*
  • Emergency medical attention including hospital and physician services
  • Paramedical services
  • Ambulance transportation
  • Emergency dental treatment
  • Preparation and return of mortal remains
  • Emergency air transportation home
  • Additional meals and hotel
  • Visit to bedside if travelling alone
  • Childcare
  • Return of children
  • Hospital allowance
  • Trip Break
*Exclusions, conditions, and limitations apply. See the policy for details.
 
Choosing the right plan
Visitors to Canada travel insurance - who is eligible?
All applicants must meet the Coverage Eligibility criteria in the application for insurance.
  • Visitors to Canada;
  • Canadians who are not eligible for benefits under a government health insurance plan issued by a Canadian province or territory;
  • Persons who are in Canada on a work visa; or
  • New immigrants who are awaiting coverage by government health insurance from a Canadian province or territory.
Applicants age 85 or less can choose from $15,000, $25,000, $50,000 or $100,000 coverage levels.

Applicants age 69 or less can choose $150,000 coverage with the Single-Trip plan.

Coverage for side trips
This insurance provides coverage while travelling outside Canada as long as the side trip originates and terminates in Canada and does not exceed the lesser of 30 days per policy or 49% of the total number of coverage days.

Trip Break
This insurance allows the policyholder to return home without terminating their coverage, if the policyholder has requested and received prior approval from the Assistance Centre. Coverage will be suspended but will not be terminated while the policyholder is at home. The suspension of coverage will end and coverage will be reinstated when the policyholder arrives back in Canada. There will be no refund of premium for any of the days during any return home.
 

 

 

 
 
 
 
 
 
 
 
 

* Minimum age is 30 days.

+ Available to those applying for or holding a Parent & Grandparent Super Visa.

‡ Applicants 40 years of age and over must complete the medical questionnaire.
 

 

  •  
Travel Accident

Plans and provides coverage for an individual trip.

Optional Trip Interruption

For those who have prepaid travel arrangements and want to protect themselves if their trip is interrupted, this insurance is available for purchase with all plans and provides coverage for an individual trip.
 

 
 

 

 
Coverage amounts at a glance
 

 
Insurance offered
Coverage amounts per insured per trip ($CDN)
Emergency Medical Single-Trip Plan is the amount purchased:
$15,000, $25,000, $50,000, $100,000+ or $150,000+
Travel Accident $50,000 for death or double dismemberment,
or $25,000 for single dismemberment
Optional Trip Interruption Up to $1,500 for Single Coverage and $5,000 for Family Coverage
+Available to those applying for or holding a Parent and Grandparent Super Visa.
 
 


Refunds and Extensions

Refunds:

To obtain a refund of premium (minimum $25.00)

a) If the applicant is cancelling their policy because their application for a Parent and Grandparent Super Visa was refused, they must provide proof of Visa refusal with their request for a full refund. Otherwise, the applicant can ask for a full refund at any time before the effective date of your insurance.

b) If the policyholder obtains Canadian government health insurance plan coverage, or returns home before the date they were scheduled as per their confirmation, and has not reported or initiated a claim or been provided with any assistance services, they may ask for a refund of the premium for the unused days of their trip and will need to provide proof of the date they actually returned home or the effective date of their Canadian government health insurance plan coverage.
Simply contact us to ask for a refund. All travellers insured under the same policy must return together or have Canadian government health insurance plan coverage in effect for a refund to be possible. Minimum premium refund amount is $25.

c) If the policyholder holds a Parent and Grandparent Super Visa and has purchased 365 days of coverage, and is requesting a partial refund due to their early return home or departure from Canada and:
 

     
  • has had no claim that has been reported, paid or denied,
     
    • unused premiums (minimum of $25) may be refunded when they have provided proof of return home or departure from Canada.
       

     
  • has reported a claim or have a payable claim for which the payment has not been issued or the total amount of all reported eligible claim expenses will not exceed the deductible amount,
     
    • you may apply to have such claim withdrawn and, subject to our approval, unused premium may be refunded less a handling fee of $300 per claim which will be deducted from any amount to be refunded.
       

     
  • when a claim has been denied or paid,
     
    • no refund is possible.
       
A written request to cancel this policy must be received within 60 days following the date of return home along with proof of departure from Canada. In no event will we back-date a cancellation to a date more than 60 days prior to the date of receipt of the cancellation request. If the cancellation request is received more than 30 days following the date of return home, we will require a copy of every page of the passport to verify that they did not visit Canada between the date they returned home and the date they submitted their refund request. Once any refund of premium has been requested, no expenses will be accepted for consideration under the policy, regardless of the date the expense was incurred. Refunds will be credited to the same credit card used to charge the premium.

No refunds are available for Trip Interruption Insurance after the effective date, side-trips or Trip Breaks.

Extensions:

Automatic extension of coverage is provided beyond the date the applicant was scheduled to return home as per the confirmation if:
  1. the common carrier is delayed. In this case, we will extend the coverage for up to 72 hours;
  2. the applicant or their travel companion is hospitalized. In this case, we will extend the coverage during the hospitalization and for up to 5 days after discharge from the hospital;
  3. the applicant or their travel companion has a medical condition that does not require hospitalization but prevents travel. In this case, we will extend the coverage for up to 5 days.
    In any case, we will not extend coverage beyond 12 months after the effective date of insurance.
     
To extend the coverage, the applicant must make the request before the expiry date or the scheduled date of return (as per the confirmation). If the applicant has not had a change in their health status and has not had any event since the effective date of insurance that has resulted or may result in a claim, the extension may be issued upon request. Otherwise, the extension is subject to the approval of the Assistance Centre.


 


 
 
 
Frequently asked questions (FAQ)
Website

What do I do if the online application doesn't seem to be working properly?
Please contact us at 905-262-6575 (ET), Monday to Friday 9 am to 5 PM. .


Coverage

Are there any deductibles under these plans?
The published rates for all Emergency Medical Plans include a $75 deductible. The following deductible options and savings are available for the Emergency Medical plan:

 

 
Savings / Surcharge on premium
Deductible amount ($CDN)
5% surcharge
$0
0% surcharge
$75
15% savings
$500
20% savings
$1,000
25% savings
$2,500
35% savings
$5,000

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

Is family coverage available?
Yes, family coverage is available for Plan A Emergency Medical and Travel Accident as well as Trip Interruption plans. It is not available for Plan B. Family coverage covers the applicant, the applicant’s spouse and dependent children, and all family members must be under age 60. Plan A Emergency Medical (which includes Travel Accident) is 2X the premium due for the oldest traveller under age 60. Trip Interruption and Travel Accident is 3X the premium due for the oldest traveller under age 60.

What if an insured traveller needs or wants to stay longer than planned?
To extend the insured’s coverage, the insured must make the request before the expiry date or the scheduled date of return (as per the confirmation). If the insured has not had a change in their health status and has not had any event since their effective date of insurance that has resulted or may result in a claim, the extension may be issued upon request. If the insured has a medical condition or pending claim, the extension is subject to the approval of the Assistance Centre.

Are refunds available?
A refund is available if the applicant cancels the policy at any time before the effective date of insurance (minimum $25.00).

When an insured obtains Canadian government health insurance plan coverage from a Canadian province or territory, or returns home before the scheduled return date as per the confirmation, and no claim has been initiated or reported or assistance services have not been provided, refunds are available for the unused days of the trip.

Why are premiums calculated on the insured’s age at the time of the effective date instead of on the date of application?
Under the policy, ‘age’ is defined as the insured’s age on the effective date of coverage. In order to keep in line with that policy definition, the age used in calculating the daily premium should be the insured’s age at the effective date of coverage.

Why does the client have to call the Assistance Centre prior to receiving any medical treatment?
We ask the client to call our Assistance Centre so that we can confirm, with their health care provider, their enrolment under the plan, manage the benefits in accordance with their policy, and, when possible, avoid any out-of-pocket expenses for them. If they do not call the Assistance Centre, they will have to pay 20% of the medical expenses normally covered under this policy. If it is medically impossible for the client to call, they must have someone call on their behalf. It is the client's responsibility to ensure that the Assistance Centre has been notified.

Would Manulife pay if the client does not call the Assistance Centre prior to seeking treatment for benefits 5 to 10 in the policy?
If the insured does not call, they may have to pay 20% of the medical expenses. The policy contract states that benefits 5 to 10 will only be covered if they have been authorized and arranged by the Assistance Centre.

What is the maximum number of coverage days under this policy?
Under this policy, the maximum number of coverage days is 365 days.

How can an applicant fill out an application if he/she is not here?
To apply for coverage, an applicant or someone on his/her behalf may complete and sign the Visitors-to-Canada application. If someone other than the applicant completes the application, that person must ensure that he/she has full knowledge of the applicant’s health information to complete the application accurately. Any incorrect statements on the application may make the policy null and void.

What is the Trip Break benefit?
This insurance allows the policyholder to return home without terminating their coverage, if the policyholder has requested and received prior approval from the Assistance Centre. Coverage will be suspended but will not be terminated while the policyholder is at home. The suspension of coverage will end and coverage will be reinstated when the policyholder arrives back in Canada. There will be no refund of premium for any of the days during any return home. Note: this policy will not cover any expenses or benefits relating to any emergency medical and non-emergency medical services for any injury that occurred or illness that started at home.

Does this policy cover newborns?
In order to be covered under this plan, children* have to be at least 30 days old.

*Child, Children means your unmarried, dependent son or daughter, who travels with you during your trip and is:
a) at least 30 days of age but under 21 years of age; or
b) over 21 years of age and mentally or physically disabled and dependent on you for support.

 



 

 
 
 

Buy Visitors Insurance on line!  Or check the the premium, policy wording, etc.

Don't hesitate to call Ray Battiston on any questions.  If you fax an application to me, please enclose your E Mail address  so that I can e mail you back confirmation.  Original Policy documents are always issued and can be mailed to the address you specify.

Disclaimer: This is a brief description only.  Please refer to the actual policy wording for full particulars. It is strongly recommended you speak to a Ray Battiston Travel Insurance Broker, prior to buying on line. 

 

Ray Battiston, BA, CAIB, CIP,     Canadian Travel Insurance Broker
Box 510, 7 Red Haven Drive, St Davids Ontario L0S 1P0 Canada
1-800-526-7420 Toll Free North America
Business: 1-905-262-6575
FAX  1-866-614-8753
Ray@IceColdNorth.com or Kipp@IceColdNorth.com     BUSINESS HOURS 9AM- 5PM EST Monday- Friday, closed weekends, holidays.

Important Links
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 Travel Medical Newsletter 2017 Season - What's Happening?

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151 Osprey Cresc,
Callander, Ontario
Canada P0H 1H0

Tel:1-800-526-7420
Fax: 1-705-752-5198

 
 
(c) 1996-2016, Raymond Battiston. Revised  December 26, 2016.