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Single-Trip Emergency Medical

Cover your friends and family when they come to visit.

Do you have family or friends coming to visit you in Canada? Perhaps you live outside of Canada and are coming to visit family or see the sights. In either case, if a visitor suffers an injury or illness in Canada they would not be eligible for our government health care coverage. With Visitors to Canada Single-Trip Emergency Medical you can avoid paying out-of-pocket, where possible, for emergency medical costs.

Depending on your needs and budget, you can choose from one of five maximum coverage amounts:

  • $15,000
  • $25,000
  • $50,000
  • $100,000
  • $150,000

Overview of emergency medical benefits*

  • Hospital/doctor care and services
  • Paramedical services - including visits to licensed chiropodists, podiatrists, physiotherapists, chiropractors, or osteopaths
  • Ambulance transportation
  • Emergency dental treatment
  • Emergency medical return home
  • Expenses to return children under your care
  • Additional expenses for meals and hotel
  • Trip break without terminating coverage
  • Expenses related to death
  • Expenses to bring someone to your bedside when travelling alone

Optional insurance

You can add these two options to the plan:

  1. Trip Interruption*: Coverage for a return home, if necessary, due to a medical emergency or the death of a family member or travelling companion.
  2. Travel Accident*: Lump-sum payments in the event of loss of life, limb or sight.

To be eligible for insurance under this policy, you must be a:

  • Visitor to Canada; or
  • Canadian resident who is not eligible for benefits under a government health insurance plan; or
  • Person who is in Canada on a work visa or Parent and Grandparent Super Visa; or
  • New immigrant who is awaiting Canadian government health insurance plan coverage.

You are not eligible for coverage under this policy if:

  • You are travelling against the advice of a physician;
  • You have been diagnosed with a terminal illness with less than 2 years to live;
  • You have a kidney condition requiring dialysis;
  • You have used home oxygen during the 12 months prior to the date of application;
  • You have been diagnosed with Alzheimer's disease or any other form of dementia;
  • You are under 30 days or over 85 years of age (over 69 years of age for $150,000 Emergency Medical coverage);
  • You reside in a nursing home, home for the aged, other long-term care facility or rehabilitation centre; and/or
  • You require assistance with activities of daily living.

Pre-existing condition exclusions

The Pre-Existing Condition Exclusion that applies depends on the plan purchased.

Plan A – We will not pay any expenses directly or indirectly relating to:

  1. any medical condition, diagnosed or undiagnosed, which existed or for which you sought or received medical advice, consultation, investigation or for which treatment was required or recommended by a physician, within the 180 days prior to the effective date;
  2. any heart condition if, in the 180 days before the effective date, you required any form of nitroglycerine for the relief of angina pain; and/or
  3. any lung condition, if in the 180 days before the effective date, you required treatment with oxygen or Prednisone for a lung condition.

Plan B – We will not pay any expenses directly or indirectly relating to:

  1. a pre-existing condition that is not stable in the 180 days before the effective date of insurance;
  2. any heart condition if, in the 180 days before the effective date, you required any form of nitroglycerine for the relief of angina pain; and/or
  3. any lung condition if, in the 180 days before the effective date, you required treatment with oxygen or Prednisone for a lung condition.

Pre-Existing Condition

"Pre-Existing Condition" means a medical condition that exists before your effective date of insurance.

Medical Condition

"Medical Condition" means any disease, sickness or injury (including symptoms of undiagnosed conditions).

Stable

A medical condition is considered stable when all of the following statements are true:

  1. there has not been any new treatment prescribed or recommended, or change(s) to existing treatment (including a stoppage in treatment), and
  2. there has not been any change in medication, or any recommendation or starting of a new prescription drug, and
  3. the medical condition has not become worse, and
  4. there have not been any new, more frequent or more severe symptoms, and
  5. there has been no hospitalization or referral to a specialist, and
  6. there have not been any tests, investigation or treatment recommended, but not yet complete, nor any outstanding test results, and
  7. there is no planned or pending treatment.

All of the above conditions must be met for a medical condition to be considered stable.

Change in medication

"Change in medication" means the medication dosage, frequency or type has been reduced, increased, or stopped, and/or new medications has/have been prescribed.

The following is not considered a change in medication:

  1. a change from a brand-name drug to an equivalent generic drug of the same dosage;
  2. a routine adjustment in the dosage of your medication, as a result of your blood levels only, if you are taking Coumadin (warfarin) or insulin and are required to have your blood levels tested on a regular basis, and your medical condition remains unchanged.

Treatment

"Treatment" means hospitalization, a procedure prescribed, performed or recommended by a physician for a medical condition. This includes but is not limited to prescribed medication, investigative testing and surgery. IMPORTANT: Any reference to testing, tests, test results, or investigations excludes genetic tests. "Genetic test" means a test that analyzes DNA, RNA or chromosomes for purposes such as the prediction of disease or vertical transmission risks, or monitoring, diagnosis or prognosis.

Optional Insurance – Trip Interruption

Protect yourself against unexpected expenses.

Coverage for an individual return trip, if necessary, due to a covered event.

Highlights of covered events:*

  • You or your travel companion develop(s) a medical emergency or pass(es) away;
  • Your or your travel companion's immediate family member develops a medical emergency or passes away;
  • Emergency hospitalization or death of the person whose guest you are during your trip.

Coverage amounts

We will pay up to a maximum of $1,500 for single coverage or $5,000 for family coverage. This can cover:

  • the non-refundable and non-transferable portion of your trip; or
  • your additional and unplanned hotel and meal expenses, your essential phone calls and taxi fares when no earlier transportation arrangements are available; and/or
  • your return home.

To be eligible for insurance under this policy, you must be a:

  • Visitor to Canada; or
  • Canadian resident who is not eligible for benefits under a government health insurance plan; or
  • Person who is in Canada on a work visa or Parent and Grandparent Super Visa; or
  • New immigrant who is awaiting Canadian government health insurance plan coverage.

You are not eligible for coverage under this policy if any of the following apply to you:

  • You are travelling against the advice of a physician;
  • You have been diagnosed with a terminal illness with less than 2 years to live;
  • You have a kidney condition requiring dialysis;
  • You have used home oxygen during the 12 months prior to the date of application;
  • You have been diagnosed with Alzheimer's disease or any other form of dementia;
  • You are under 30 days or over 85 years of age (over 69 years of age for $150,000 Emergency Medical coverage);
  • You reside in a nursing home, home for the aged, other long-term care facility or rehabilitation centre; and/or
  • You require assistance with activities of daily living.

Pre-existing condition exclusion

Under Trip Interruption Insurance, we will not cover expenses resulting directly or indirectly from:

A medical condition related to a covered event, if the medical condition was not stable in the 3 months before the effective date of insurance.

Medical Condition

"Medical Condition" means any disease, sickness or injury (including symptoms of undiagnosed conditions).

Stable

A medical condition is considered stable when all of the following statements are true:

  1. there has not been any new treatment prescribed or recommended, or change(s) to existing treatment (including a stoppage in treatment), and
  2. there has not been any change in medication, or any recommendation or starting of a new prescription drug, and
  3. the medical condition has not become worse, and
  4. there have not been any new, more frequent or more severe symptoms, and
  5. there has been no hospitalization or referral to a specialist, and
  6. there have not been any tests, investigation or treatment recommended, but not yet complete, nor any outstanding test results, and
  7. there is no planned or pending treatment.

All of the above conditions must be met for a medical condition to be considered stable.

Optional Insurance – Travel Accident

Lock in protection against unexpected accidents.

If you're severely injured during your trip resulting in a loss of limbs or sight, you can receive a lump-sum payment to use however you want. If you are severely injured during your trip resulting in death, the payment goes to your beneficiary.

This option is only available if you have also purchased Visitors to Canada Single-Trip Emergency Medical.

Coverage amount: $50,000

Payable if the following occurs within 365 days of an accident:*

  • Death
  • Complete, permanent blindness in both eyes
  • Two limbs fully severed above the wrist or ankle joints

Coverage amount: $25,000

Payable if the following occurs within 365 days of an accident:*

  • Complete, permanent blindness in one eye
  • One limb fully severed above a wrist or ankle joint

If you have more than one injury during the trip, we will pay the applicable insured sum only for the one accident that entitles you to the largest benefit amount.

To be eligible for insurance under this policy, you must be a:

  • Visitor to Canada; or
  • Canadian resident who is not eligible for benefits under a government health insurance plan; or
  • Person who is in Canada on a work visa or Parent and Grandparent Super Visa; or
  • New immigrant who is awaiting Canadian government health insurance plan coverage.

You are not eligible for coverage under this policy if any of the following apply to you:

  • You are travelling against the advice of a physician;
  • You have been diagnosed with a terminal illness with less than 2 years to live;
  • You have a kidney condition requiring dialysis;
  • You have used home oxygen during the 12 months prior to the date of application;
  • You have been diagnosed with Alzheimer's disease or any other form of dementia;
  • You are under 30 days or over 85 years of age (over 69 years of age for $150,000 Emergency Medical coverage);
  • You reside in a nursing home, home for the aged, other long-term care facility or rehabilitation centre; and/or
  • You require assistance with activities of daily living.

Medical Condition

"Medical Condition" means any disease, sickness or injury (including symptoms of undiagnosed conditions).

Stable 

A medical condition is considered stable when all of the following statements are true:

  1. there has not been any new treatment prescribed or recommended, or change(s) to existing treatment (including a stoppage in treatment), and
  2. there has not been any change in medication, or any recommendation or starting of a new prescription drug, and
  3. the medical condition has not become worse, and
  4. there have not been any new, more frequent or more severe symptoms, and
  5. there has been no hospitalization or referral to a specialist, and
  6. there have not been any tests, investigation or treatment recommended, but not yet complete, nor any outstanding test results, and
  7. there is no planned or pending treatment.

All of the above conditions must be met for a medical condition to be considered stable.

Frequently asked questions

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:

Deductible options and discounts for the Single-Trip Emergency Medical Plan
Savings/Surcharge on Premium Deductible Amount ($CAD)
5% surcharge $0
0% surcharge $75
15% savings $500
20% savings $1,000
30% 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 plan.

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. All family members must be under the age of 54. Plan A Emergency Medical is 2X the premium due for the oldest traveler under age 54. Trip Interruption and Travel Accident plans are 3X the premium due for the oldest traveler under age 54.

To extend your coverage, please call Customer Service at 1-866-707-4922. You must make the request before the expiry date or the date you were scheduled to return home as per confirmation. If you have not had a medical condition or pending claim since your effective date of insurance, the extension may be issued upon request. If you have a medical condition or pending claim, the extension is subject to approval.

When you return home before the scheduled return date as per the confirmation, and have not reported or initiated a claim or have been provided with any assistance services, refunds are available for the unused days of the trip.

Under the policy, 'age' is defined as the insured's age on the effective date of insurance. 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 insurance.

This insurance allows the policyholder to return home without terminating 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 to 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.

We ask you to call our Assistance Centre within 24 hours of hospitalization so that we can confirm, with the health care provider, your enrolment under the plan, manage the benefits in accordance with your policy, and, when possible, avoid any out-of-pocket expenses for you. If you do not call the Assistance Centre, you will have to pay 20% of the medical expenses normally covered under this policy. If it is medically impossible for you to call, please have someone call on your behalf. It is your responsibility to ensure that the Assistance Centre has been notified.

Immediate access to the Assistance Centre is also available through the TravelAidTM mobile app. To download the app, visit: http://www.active-care.ca/en/travelaid/.

Take action

Downloads

Contact us

For more information and to speak to a Licensed Insurance Advisor, call

1-866-707-4922
(Monday – Friday 8am – 8pm ET)

Or email travelhelp@manulife.com

Ready to apply?

If you’re ready to lock in the coverage that works best for you - take the next step and get a quote for the coverage you need, then proceed to the application. 

10-Day Free Look

If you notify us within 10 days of your purchase date, as indicated on your confirmation, that you are not completely satisfied with your policy, we will provide a full refund if you have not already departed on your trip and there is no claim in progress. For information on refunds after the 10-Day Free Look period, please refer to the Cancellations & Refunds section in the policy.

NOTE: All dollar figures are in Canadian dollars.

Some age restrictions apply.

*Conditions, exclusions, limitations apply. See policy for details.