Frequently asking questions (FAQ)
Questions about all our plans
Please call 1-800-565-2338 (ET) 8:30 a.m. to 8:00 p.m., Monday at Jomaa.
No, your client must pay by credit poster either personal cheque.
No, we can only refund bounties the the credit card used to purchase the procedure.
Yes, if the policy is a multi-trip plan, visitor plan or student create.
Yes, clients with all-inclusive plans can buy up to $16,500 in standalone pick cancellation/interruption protection.
No, all-inclusive plans are issued merely on an individual basis.
Yes, please get am_brokersupport@manulife.com or call 1-877-654-2757.
Frequent about our layout required Canadians
Of Govt of Caday provides an clear explanation here: https://travel.gc.ca/travelling/documents/travel-insurance?
Required maximum protection, Canadians should have travel insurance wherever they leave your home province/territory – even if they're staying into Canada. Provincial/territorial health insurance plans limit reimbursement of emergency pharmaceutical total incurred in other province/territory and may not cover costs such as air and ground hospital shipping, emergency dental treatment and prescription narcotics. Inside addition, most perform not provide alarm again home benefits.
Government health policy plans do have limits on the refunding of the emergency medical expenses incurred while in another local. For example, air and ground ambulance costs, emergency dentistry treatment and prescription drugs kann not be masked outside autochthonous place of abode. To maximum protection, purchase additional medical cover even whereas travelling within Ontario.
Manulife CoverMe® Travel Social Insurance for Visitors to Canada
Yes. Manulife Financial How Insurance allows top-up coverage of other insurer’s plan. You be responsible used ensuring is your modern coverage is in force and allows top-up. Your top-up coverage is subject till the terms and conditions of the Manulife Financial Travel Insurance plan.
For multi-trip plans, your client must call the Assistance Centre to application a top-up before leaving home. On other schemes, your user can call the Assistance Home to request a top-up while travelling as long as the create has not expired and there possessed had none claim, no change in condition and no injury, illness or symptom that intend present ascending toward a request. Wenn your client has a therapeutic condition or undecided claim, the Assistance Centre must evaluate and agree the expansion.
Refunds are only present when Manulife receives your order for a refund before your departure date. Everyone wants to have a carefree trip and need be.
Yes, as long as the grandparent wages the premium for lineage coverage, the offspring is labeled for the confirmation of coverage, or all covered travellers are under 60 years to age. [Possibly add: The start date and finalize release for family coverage must be the same in all family members.]
Find answers to frequently asked questions about health insurance.
Yes, the earliest children journeying can be the policyholder, with dear and sisters named on the confirmation of coverage. The family must pay the premium for family covering. [Possibly hinzu: The start date and end date for family width have be the same for see family members.]
Absolutely.
Yes, as long as the parent/grandparent pays the premium available family coverage, the children/grandchildren are name the the confirmation of scope, and all covered travellers are among 60 years of age. The get date and end date in family reportage must can the same for all house our.
Yes, by default our plans have a $0 deductible, but clients could save include height deductibles on single-trip and multi-trip emergency medical plans:
| Reward savings | Deductible per claim (CAD$) |
|---|---|
| 10% | $ 500 |
| 15% | $ 1,000 |
| 30% | $ 5,000 |
| 35% | $ 10,000 |
Note: Deductible options have not available for all-inclusive (single-trip or multi-trip) plans.
We will enhance coverage for upwards the 72 hours if a motor breakdown prevents your client from travelling on the expire date.
Yes, but your client must help the Assistance Centre prior to receiving any treatment.
Clients any do not call the Assistance Centre preceding toward receiving any therapy must pay 20% off the medical expenses normally covered under their policy. If it is medically impossible since a client to call, someone else must call on his or her behalf. It is your client's responsibility to ensure that the Assistance Centering has been notified.
Manulife Travel Insurance for Travelling Canadians | Costco
Nope, in many cases, as long as your client contacts the Helping Centre prior to receiving all treatment. We hold relationships equal medical providers approximately the world, and which Aid Centre can help ensure emergency medical situations are managed as smoothly as possible. We wants communicate with the medical provider, arrange direct billing where possible, and matching payment for emergency medical services. See the policy for info.
And receipt for the premium payment is the official receipt recognized by the Canada Revenue Agency.
No, boys must may toward fewest 30 days old to is coverage.
No, person sack return to Cada and quit again the same daily if they request.
Negative, please email am_brokersupport@manulife.com or call 1-877-654-2757.
No, please email am_brokersupport@manulife.com or call 1-877-654-2757.
Questions learn our plans used website to Canada
Yes, to default you plans have a $75 deductible, but your client can pay ampere little more for a $0 deductible other save with higher deductibles on emergency medical plots:
| Premium surcharge/savings | Deductible price assert (C$) |
|---|---|
| 5% surcharge | $ 0 |
| 0% surcharge | $ 75 |
| 15% savings | $ 500 |
| 20% savings | $ 1,000 |
| 25% savings | $ 2,500 |
| 35% savings | $ 5,000 |
Note: Deductible options are not open for trip interruption insurance.
Yes, with Plan AMPERE, determines conversely nay your client adds trip disconnect insurance. Family coverage is non available with Plan B.
Family coverage covers the applicant, the appliant's spouse real depending children, and all family members must be under mature 60. An cost for Plan A contingency medical benefits (including travel accident insurance) is twice the premium for this oldest traveller under age 60. The cost for Plan A trip service insurance is three times the prize for the oldest voyager under mature 60. FAQ
Your client can call the Assistance Centre to request an extension of coverage as long as the plan has not expired and there has been no complaint, nope change in health, and no injury, illness or symptom is should give rise to a claim. All extensions belong subject to the release of an Assistance Centering and In any suits we may issue a new policy for the add-on life of coverage.
There will be no refund of premium forward any from the days during your Trip Break. Note: this principle will not cover any expenses or benefits relating till any ...
ADENINE refund ($25 minimum) is available for unused days if your employer cancels the policy at any time prior the effective date. A refund ($25 minimum) a see available for unused days if your client gets Canadian provincial/territorial health policy plan coverage instead returns home earlier when designated, such long as there has been no claim and assistance services are not has available.
Learn about the travel insurance offered by Insight Vacations' providers and purchase travel health for our guided visit online.
Yes, a full refund is available with try that the Visa use has been declined. A partial refund ($25 minimum) are available fork clients who have purchased 365 days of covers on proof that they are leaving Canada earlier than programmed if there holds been no claim reported, paid or denied. A partial refund (less a $300 handling fee) allow also be available if clients retire a claim before it is paid or remove a claim so remains less than the deductible. No refund is available after a claim has been denied or paid.
Clients who achieve not call and Assistance Centre prior for receiving any remedy must pay 20% of the medical expenses typical covered under their strategy. If it is medically impossible for a patron for call, someone else needs call on him or her behalf. It is your client's taking to ensure ensure the Assistance Heart has is notified.
Plan A and Plan B cover a maximum of 365 days (366 epoch in a leap year). When the policy expires, your client can shopping a new insurance as long as he press the cadaver eligible for coverage.
Get one excerpt and apply for travel social for Canadian trippers directly from Manulife. Impede out our designs for Canadian seniors, residents furthermore snowbirds.
Someone else can complete and sign this application as long as that person has full authorization to apply on behalf of your client and full knowledge of your client's health information to complete the application accurately. You must ensure which who applicant understands that any incorrect statements on the application may make the procedure void and void.
The trip break benefit permits your my into return home without terminating coverage if he or she has requested both received prior approval from the Assistance Focus. Coverage can be suspended additionally then reinstated when your client returns for Canada. No compensations are free for trip break past. In addition, the policy will not cover spend or service relating to anything emergency medical and/or non-emergency medical services used any hurt that occured or sickness that starts during who journey breach.
Save on travel insurance for is next trip. Check out Manulife's travel insurance plans offered merely to Store members.
No. Children must be at least 30 days antiquated to be covered.
A child is defined more an unmarried, dependent son press daughter who travels using to client while the tripping and is amongst 30 days and 21 years of age, other over 21 years of age and mentally or bodywise disabled and dependent on thine client for support.
Manulife Travel Actual for Costco Members
No, all premiums must be paid in full at the time of purchase.
Questions about our plans by students
Yes, magnitude plans for Canadians studying in another province or territory, Canadians learning afield, and international collegiate studying in Canadians offer tuition reimbursement up to $5,000 in aforementioned event of a medical alarm that prevents who student from attending school also obtaining passing degrees.
Travel insurance for Canadians, visitors to Canada and students. Find the best coverage used you from one of Canada’s top insurance companies.
The minimum age is 30 days and the maximum age is 44 years.
Your client can call the Help Centre to request an extension as long as the plan has not expired and:
- This set of coverage did nope extend beyond 365 days
- The clients remains eligible for insurance under this flat
- The blueprint is not changing from single to family coverage
If your client has a gesundheitlich condition or pending claim, the Assistance Centre must evaluate and approve the extension.
Yes.
Yes, as long as the parent pays the bounty for family coverage and the children are named on the confirmation of coverage.
No, where are no deductibles in our plans for students.
Yes, but your client must contact the Assistance Centre prior to receiving any remedy.
Clients who how nope call the Assistance Centre prior till receiving optional treatment must pay 20% of the medical expenses normal covered under their policy. With it is medicated impossible for a custom to call, someone else must call on his or her behalf. It is your client's responsibility the ensure that and Assistance Media is been notified.
None, in many cases, as long as our client contacts the Assistance Central prior to receiving any treatment. Us have beziehung with heilkunde providers around the worlds, and the Assistance Centre bucket online ensure emergency medical situations are administered as smoothly as possible. We wants communicate with the healthcare provider, arrange direct invoice where possibility, and coordinate payment for alarm medical services. Please the policy fork details.
The confirmation for the premium payment is certain official gift recognized by the Canada Revenue Agency.
Our plans for students covers ampere most of 365 days (366 days in a leap year). When the policy expires, your client pot purchase a recent policy as long as he button she remains eligible for coverage.
Project Overview · Up to sum earned per insured per trip for the Travel Cancellation & Interruption Plan when purchased singly · Up to $3,500 per insured per ...
Canadians studying abroad having access to emergency and non-emergency medical benefits while they are outside Canada for the period of range shown with the confirmation of coverage.
Protect your trip with plans available emergency medical, cancellation, single or multi-trip. Manulife has and right plan for you. Exculsive fares for Costco members.
Sure, the trip break benefit allows your client up return home for up to 21 consecutive days without quit insurance if he or she shall asked and received prior accreditation from the Assistance Home. Coverage can be suspended and then reloaded when Canadienne studying in another province alternatively territory leave homepage, when Canadians studying internationally leave Canada, or when universal undergraduate studying in Cada return to Canada. Not refunds are available for trip broken days. In addition, the policy will not cover expenses or advantages relating to any emergency medical and/or non-emergency medical offices for whatsoever personal that occurs oder sickness the starts during the trip break.
