Manulife Travel Insurance Guide

This Guide is a quick and easy reference tool to help you through the enrollment process and understand Manulife Travel Insurance. This guide is not an insurance policy. For specific policy provision details, please refer to the policy. We encourage you to call us if you have any additional travel insurance questions or concerns.


Telephone Numbers to Call

Plans

Coverage Amounts

Application and Medical Questionnaire

Premium

Discounts and Deductibles

Top-Up Options

Eligibility and Rate Qualification

Effective Dates

Cancellations, Refunds and Extensions

Wallet Card

Telephone Numbers to Call
If you have any questions please contact your Managing General Agent (MGA), or call the Manulife Customer Service Centre: 1 800 565-2338 or 416-218-5943, Monday to Friday from 8:30 am to 8:00 pm.

All paper-based applications should be mailed to your MGA or:
Manulife Travel Insurance
5650 Yonge Street, 17th Floor
Toronto, Ontario M2M 4G4

During a Trip
If your clients need emergency assistance while on their trip or want to apply for an extension to their Manulife Travel Insurance coverage, they must call our Assistance Centre:
1 800 477-9033 toll-free from the USA or Canada
(416) 977-5626 collect from anywhere else in the world

Plans

Benefits and Features
Single-Trip Emergency Medical
Single-Trip All-Inclusive
Travel Canada***
Multi-Trip Emergency Medical
Multi-Trip All-Inclusive
Visitors to Canada Plans 50 & 100
Visitors to Canada Plan 150
Up to Age
No limit
No limit
No limit
74
74
54*
54
Emergency Medical
*
*
*
*
*
*
*
Trip Cancellation & Interruption
*
*
Baggage Loss, Delay and Damage
*
*
Flight Accident
*
*
Travel Accident
*
*
*
Options available
Top-Up
*
*
Deductible Discounts
*
*
Family Coverage
(up to age 54)**
*
*
*
BounceBack Benefit
*
*
*
Travel Companion Discount**
*
*
*
*
*

* Up to age 79 for Visitors to Canada Plan 50
** Family Coverage and Travel Companion discounts cannot be combined
*** The Travel Canada Plan is offered at 50% off the regular Single-Trip Emergency Medical plan rates

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Coverage Amounts

Insurance OfferedCoverage Amounts per Insured per Trip ($CDN)
Emergency Medical Up to $5,000,000
Trip Cancellation and Trip InterruptionUp to $3,000 per insured per trip and $5,000 per policy year (Cancellation & Interruption combined)
BounceBack Benefit Up to $2,000
Baggage Loss or Damage Up to $1,000 per trip and $3,000 per policy year
Baggage Delay Up to $500 per trip or $1,500 per policy year
Flight Accident $100,000 for death or double dismemberment,
or $50,000 for single dismemberment
Travel Accident$50,000 for death or double dismemberment,
or $25,000 for single dismemberment
Acts of Terrorism Coverage applicable to Emergency Medical, Trip Cancellation and Trip InterruptionOverall maximum for all policies issued by us shall be:
  • Emergency Medical is $35 million, per Act of Terrorism, for up to 2 Acts of Terrorism within a calendar year
  • Trip Cancellation and Trip Interruption is $2.5 million, per Act of Terrorism, for up to 2 Acts of Terrorism within a calendar year

Please note: For all plans, if your covered expense results from an act of terrorism, all benefit maximums shown may be reduced subject to the Terrorism Coverage provision in your policy.

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Application and Medical Questionnaire

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Premium
    • Premium rate is in $CDN per person.
    • Emergency Medical Family Coverage rates are 2x the premium rate for the oldest traveller under age 55.
    • The 2004/2005 premium rates are valid for purchase from July 30, 2004 to July 30, 2005.
    • Rates are subject to change without notice.
    • Premium due is based on:
          1. The plan purchased
          2. The rate category
          3. The age at the time of application (not for Visitors to Canada)
    • Number of coverage days for Single-Trip plans must include:
          1. The date of departure
          2. The date of return
          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.
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Discounts and Deductibles

50% Travel Canada Discount: For clients travelling within Canada and purchasing a Single-Trip Emergency Medical plan.

5% Travel Companion Discount: This is available on all plans when two adults apply for insurance at the same time. The discount applies to both insureds and is not available for Family Coverage purchases.

5% Claim-Free Discount: This discount is provided off the price of an insurance plan purchased this year if these conditions are met:
i) You have never submitted a travel insurance claim to us,
ii) You are age 55 or older and remain in the same rate category as last year, and
iii) You have purchased coverage for 90 days or more.

Family Coverage: Available for spouse and dependent children when all family members are under age 55. The rate is calculated at 2 x the premium due for the oldest traveller under age 55.

Deductible Options
All published rates include a zero deductible. The following deductible options are available for Single-Trip and Multi-Trip Emergency Medical plans only:

Deductible Options*
$500
$1,000
$5,000
$10,000
Applicable Discount
15%
20%
35%
50%
* $USD per insured per claim

Discount Combinations
All discounts can be combined, except the following:
  • Family Coverage and Travel Companion discounts cannot be combined.
  • Deductible discount options are not applicable to the Travel Canada plan and All-Inclusive plans.

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Top-Up Options
    • Top-Ups must be purchased prior to departure and are subject to an extra premium charge.
    • The Single-Trip Emergency Medical plan can be used to top up our Multi-Trip plan or plans of other insurers.
    • The Single-Trip All-Inclusive plan can only be used to top up our Multi-Trip All-Inclusive plan.
    • Top-Ups are available for trips up to 183 days, including top-up (212 days if the applicant resides in Ontario or Newfoundland).
    • It is the responsibility of the applicant to confirm that top-up is permitted on the existing plan with no loss of coverage.
    • If the insured is age 55-74 and travelling for 18 days or more, a medical questionnaire must be completed if they have not already done so.
    • If the applicant is age 75 or older, the medical questions must be completed, if they have not already done so.

To Calculate a Top-Up Premium

Determine the number of days of coverage required, and use the premium amount for the required number of days from the appropriate Rate Category:

Client
Rate Category
Up to 55
Elite
Age 55-74
Top-up for a Manulife Travel Insurance Multi-Trip plan
Same rate category as Multi-Trip plan
Age 55-74
Top-up another insurer’s plan
Total trip duration (original coverage plus Top-up days) is up to 17 days
Elite
Age 55-74
Top-up another insurer’s plan
Total trip duration (original coverage plus Top-up days) is 18 days or more
Client must complete the medical questionnaire to determine eligibility and appropriate rate category, if they have not already done so.
Age 75 or older
Top-up for any trip duration
Client must complete the medical questionnaire to determine eligibility and appropriate rate category, if they have not already done so.

If you wish to top up an existing Manulife Travel Insurance policy, please contact Customer Service at 1 800 565-2338.

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Eligibility and Rate Qualification

To be eligible for insurance under the Manulife Travel Insurance Policy, you must be a resident of Canada and covered under a provincial health insurance plan. At the time of application you must be:

Under Age 55 or Age 55-74 travelling 17 days or less
You automatically qualify for the Elite rate category and do not need to complete the medical questions for eligibility or for rate category

Age 75 or older or Age 55-74 purchasing a Multi-Trip plan or travelling for 18 days or more
You must truthfully answer NO to all medical questions for eligibility (Step 1) on the Medical Questionnaire and then answer the medical questions for rate category (Step 2)

Rate CategoryAnswers for Rate Category
SelectYes to any question in Step 2, Part 1
Select Plus No to ALL questions in Step 2, Part 1, but
Yes to any of the questions in Step 2, Part 2
Elite or Super EliteNo to ALL questions in Step 2, Part 1 and Part 2

Rate category determines the duration of the pre-existing condition exclusion


Rate Category
Time period
Manulife Travel Insurance will not pay any expenses relating to a…

Pre-existing condition
Heart condition
Lung condition
Super Elite
12 months
For which you have taken, received or been prescribed medication or treatment in the time period before the effective date of your insurance
In the time period before your effective date you have taken, received or been prescribed medication or treatment or you required any form of nitroglycerine for the relief of angina pain
In the time period before your effective date you have taken, received or been prescribed medication or treatment or you required treatment with oxygen or prednisone for your lung condition
Elite
  • Under age 55:
  • Age 55 or older:
- 3 months

- 6 months
Not stable in the time period before the effective date of your insurance
In the time period before your effective date, it has not been stable or you required any form of nitroglycerine for the relief of angina pain
In the time period before your effective date, it has not been stable or you required treatment with oxygen or prednisone for your lung condition
Select Plus
6 months
Select
12 months


Pre-existing Condition
    • “Pre-existing condition” is defined in the policy booklet as a medical condition that exists before your client's effective date of insurance.

Stable, a medical condition for which:
    • There have been no new symptoms, existing symptoms have not become more frequent or more severe;
    • A physician has not determined that the condition has become worse;
    • A physician (or other medical professional) has not prescribed or recommended a change in medication taken or medical care received for that condition;
    • A physician (or other medical professional) has not prescribed or recommended a changein how often the medication is taken or medical care is received for that condition;
    • It has not required admission to a hospital.

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Effective Dates


PlanCoverage Starts (Effective Date):Coverage Ends:
Single-Trip Emergency Medical & Travel CanadaWhen insured leaves homeOn the earliest of these dates:
  • when the insured returns home
  • when the trip ends or is cancelled
  • when the number of days of coverage purchased expires
Single-Trip All-Inclusive
  • For Trip Cancellation benefits, when prepaid trip and insurance are purchased
  • For all other benefits, when the insured leaves home
On the earliest of these dates:
  • when the insured returns home
  • when the trip ends or is cancelled
  • when the number of days of coverage purchased expires
Multi-Trip Emergency MedicalInitially on first travel date; after that date, it starts each time the insured leaves home On the earliest of these dates:
  • each time the trip ends
  • when the number of days of coverage purchased expires
  • no later than 364 days after the effective date
Multi-Trip All-Inclusive
  • For Trip Cancellation benefits, when initial prepaid trip and insurance are purchased; after that date, it starts each time the insured purchases a prepaid trip
  • For all other benefits, initially on the first travel date; after that date, it starts each time the insured leaves home
On the earliest of these dates:
  • each time the trip ends
  • when the number of days of coverage purchased expires
  • no later than 364 days after the effective date
Top-Ups On effective date specified in
confirmation
On the earliest of these dates:
  • when the insured returns home
  • when trip ends or is cancelled
  • when the number of days of coverage purchased expires

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Refunds and Extensions

Refunds (Before Departure):
If you have purchased an Emergency Medical Plan, you may cancel your policy prior to your scheduled date of departure (your first travel date if you have purchased a Multi-Trip Emergency Medical plan). Refunds are not available on All-Inclusive plans.

Refunds (After Departure):
If you return home before your scheduled return date as per your confirmation and have not had a claim, you may request a refund of premium (minimum $25) for the unused coverage days of your trip. Simply mail us your written request with proof of the date you actually returned home. Refunds are not available on the BounceBack Benefit, All-Inclusive and Multi-Trip plans.

Extensions:
Extensions are available if no claim has been incurred and your client is unaware of a pending claim at the time of application for extension and the trip, including the extension, does not exceed 183 days (212 days if your client resides in Ontario or Newfoundland). If the insured is age 75 or older and travelling for any duration or age 55-74 and travelling for more than 17 days, a medical questionnaire must be completed

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Wallet Card
    • The Wallet Card is found in the policy
    • The Wallet Card includes telephone numbers your client will need in case of an emergency or if an extension is required
    • Please remind clients to keep the Wallet Card and Manulife Travel Insurance policy booklet with them at all times when travelling


Don’t forget to remind your clients
    • To sign and date the application or confirmation prior to the effective date. If coverage is not arranged prior to the effective date, coverage begins on the day following Manulife's or the broker's receipt of the executed confirmation form and payment. In the event we are unable to process payment, coverage will not be in effect
    • To contact the Assistance Centre before receiving treatment while on their trip. Manulife Travel Insurance has a 25% coinsurance provision that may limit the benefits if they do not call. In addition, specific covered benefits may be limited or not covered if the Assistance Centre has not been contacted
    • To read the policy with particular attention to “pre-existing condition” and “hospitalization for a pre-existing condition” exclusions that apply to their coverage


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