Manulife Plan Details

Comprehensive emergency medical insurance for visitors, immigrants, and Super Visa applicants

Benefits

The range of coverage and services included in the policy, such as medical expenses, emergency care, trip interruption, and more.

Benefit Category	Coverage Details	Maximum Benefit
Emergency Medical Care	Hospital accommodations (semi-private), physician/surgeon services, diagnostic tests, prescription drugs administered during hospitalization	Up to $150,000 depending on age/plan[^1][^5]
Ambulance Services	Licensed ground/air ambulance for emergency transportation	Full coverage with pre-approval[^1][^10]
Dental Emergencies	Treatment for accidental facial blows (excludes implants)	$4,000[^1]
Dental Pain Relief	Acute pain management (non-accidental)	$300[^1]
Repatriation	Preparation/transportation of remains to home country OR local burial/cremation	$10,000 (transport) / $4,000 (local)[^1]
Family Transportation	Round-trip economy fare + $1,000 expenses for family member if hospitalized >48 hours	$3,000 (travel) + $1,000 (expenses)[^1]
Hospital Allowance	Daily stipend during hospitalization	$50/day (max $500)[^1]
Childcare	Licensed care for dependent children if parent hospitalized	$500 total[^1]
Trip Interruption+	Non-refundable travel costs due to covered interruptions	$1,500 (single) / $5,000 (family)[^1]
Accidental Death & Dismemberment	Loss of life/limbs/sight during travel	$50,000 (death) / $25,000 (single limb)[^1]

Specific Conditions

Any medical conditions, illnesses, or injuries that you had before purchasing the insurance policy. Coverage for these may be limited or subject to specific terms.

Eligibility

The criteria you must meet to purchase or be covered under the insurance plan, such as age limits, residency status, or travel requirements.

Criteria	Requirements
Age	30 days - 85 years (69 years for $150K coverage)[^1][^5]
Health Exclusions	Terminal illness (<2 years prognosis), metastatic cancer, dialysis patients, home oxygen users[^2][^11]
Pre-existing Conditions	Plan A: All pre-existing conditions excluded Plan B: Coverage if stable for 180 days pre-policy[^1][^2]
Medical Declaration	Age 40+ for Plan B must answer "NO" to all Part A questions re: heart conditions, organ transplants, recent cancer treatment[^2]
Waiting Period	48 hours if purchased after arrival (except accidental injuries)[^1][^5]

Refunds

The amount you may be eligible to receive back if you cancel your policy, depending on the timing and the insurer’s refund terms.

Scenario	Refund Policy	Fees
10-Day Free Look	Full refund if no claims & cancellation pre-departure	None[^7][^11]
Visa Denial	Full refund with official denial proof	$150 fee for 1-year policies[^5]
Early Return	Pro-rated unused premium	$25 fee (min $25 refund)[^5]
GHIP Eligibility	Full refund upon provincial health plan enrollment	$25 fee[^5]

Extensions

The option to continue your coverage by extending the policy duration before it expires, subject to approval and conditions.

Extension Type	Conditions
Automatic	72 hours for carrier delays; 5 days post-hospital discharge; 5 days if medically unfit to travel[^3][^11]
Voluntary	Available pre-expiry with no claims history; max 12 months total coverage[^1][^3]
Side-Trips	≤30 days outside Canada if 51%+ of trip in Canada[^1][^5]

Claims

The process of requesting reimbursement or payment from the insurance company for covered expenses during your policy period.

Process Step	Requirements	Penalties
Notification	Contact Assistance Centre within 24 hours of emergency	20% co-insurance penalty[^8][^10]
Documentation	Submit within 90 days: itemized bills, payment proof, medical records, police reports (accidents)[^8][^9]	Claim denial if incomplete[^8]
Special Cases	Death claims require autopsy report (where legally permitted)[^2][^5]	N/A

Exclusions

Specific situations, treatments, or conditions that are not covered under the policy, which means no claim can be made for them.

Exclusion Category	Specifics
Pre-existing Conditions	Unstable per stability criteria (medication changes, new symptoms, etc.)[^2][^10]
Pregnancy	Complications after 31 weeks; childbirth within 9 weeks of effective date[^10][^11]
High-Risk Activities	Professional sports, mountaineering with equipment, heliskiing[^10][^16]
Behavioral	Alcohol/drug abuse contributing to condition; criminal acts[^11][^16]
Non-Emergency Care	Elective treatments, rehabilitation, routine check-ups[^10][^11]
Travel Advisories	Claims in regions with Canadian "Avoid non-essential travel" warnings[^11][^15]

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