Coverage starts on the later of:
the effective date of insurance as shown in the confirmation; or
the time and date the applicant arrives in Canada from home.
Coverage ends on the earliest of the following:
- each time the applicant leaves Canada to return home;
when the policy expires, as shown in the confirmation;
when the applicant becomes a resident of a nursing home, home for the aged or other long term care facility during their trip;
no more than 365 days after the effective date of insurance; or
the first day the applicant becomes insured under a government health insurance plan.
A waiting period applies if the insurance is purchased after arrival in Canada and applies to any claim that is not the result of an accidental bodily injury. The waiting periods are:
The waiting period will be waived:
- the 48-hour period following the effective date of insurance if the insurance is purchased within 30 days of arrival in Canada
- the 8-day period following the effective date of insurance if the insurance is purchased more than 30 days after arrival in Canada
- in case of accidental bodily injury; or
- if the applicant purchased this policy prior to the expiry date of an existing Visitors to Canada policy already issued by Manulife Financial, to take effect on the day following such expiry date, provided that there is no increase in the coverage amount or change in the plan selected.