Visitors to Canada
| Summary of Benefits |
|---|
| Maximum Sum Insured options |
| $25,000 - $50,000 - $100,000 - $150,000 - $200,000 - $250,000 - $300,000 |
| Emergency Hospital |
| Semi-private hospital accommodations |
| Emergency Medical |
| • Services of physician, surgeon, anesthetist • Diagnostic, lab tests and/or x-ray • Licensed local land and or sea ambulance to the nearest hospital • Private duty services of a registered graduate nurse up to $10,000 • Rental of medical appliances |
| Drugs or Medications |
| Up to $1,000 not exceeding a one-time 30-day supply per prescription |
| Professional Service |
| Physiotherapist, chiropractor, chiropodist, osteopath, podiatrist when ordered by the attending physician up to $500 per practitioner for out-patient treatment |
| Emergency Air Transportation / Return Home |
| When pre-approved by Zurich Travel Assist |
| Transportation of Family |
| Up to $3,000 to transport one family member or close friend and up to $1,000 for meals and accommodation |
| Follow-up Visits |
| Up to $3,000 for follow-up visits when pre-approved by Zurich Travel Assist |
| Accidental Dental |
| Up to $3,000 for emergency treatment for accidental blow to the face |
| Dental Emergencies |
| Up to $500 for the immediate relief of acute dental pain |
| Meals and Accommodation |
| Up to $150 per day to a maximum of $1,500 when hospitalized |
| Emergency Return Home |
| Up to $3,000 for the additional cost of a one-way economy transportation |
| Return of Deceased |
| Up to $10,000 for return or remains or up to $4,000 for cremation or burial at place of death |
| Accidental Death & Dismemberment |
| Up to the maximum sum insured not to exceed $150,000 for loss of life, limb or sight resulting from an accidental injury |
| Flight Accident |
| Up to a maximum sum insured of $50,000 |
| Side-trip outside Canada |
| Up to the maximum sum insured selected when the majority of the period of coverage is spent in Canada (at least 51% of the trip). No coverage in your country of origin |
| Coverage for pre-existing medical conditions |
| Option 1: Coverage for stable pre-existing medical conditions: • Age 59 and under: 90 days stable immediately before the effective date • Age 60 to 69: 120 days stable immediately before the effective date • Age 70 to 79: 180 days stable immediately before the effective date Option 2: No coverage for any pre-existing medical conditions: • All ages |
| Waiting period for sickness |
| If the insurance is purchased: • within 30 days of the date you depart your country of origin there will be a 48-hour waiting period; or • 30 days or more after you depart your country of origin there will be a 7-day waiting period. Any sickness that manifests itself during the above waiting period is not covered even if the related expenses are incurred after the waiting period. The waiting period will be waived if you purchase: • before the date of departure from your country of origin; or • before the date, your existing Destination: Canada Visitors Plan policy expires and there is no lapse or gap in coverage; or • before the date, any other existing health insurance coverage expires, and there is no lapse or gap in coverage |
• Age (on application date) – no age limit
• Period – maximum policy period – 365 days.
• Deductible: $0, $250, $500, $1,000, $2,500, $5,000 and $10,000 per claim
• Waiting Period for Illness:
– No waiting period if the insurance is purchased: before your departure from your country of origin or the same policy has been extended.
– 48 hours after your effective date if you purchased within 30 days after your date of departure from your country of origin.; or
– 7 days after your effective date if you purchased more than 30 days after your date of departure from your country of origin.
The waiting period will be waived when this insurance is purchased:
– before the date of departure from your country of origin; or
– before the date your existing Destination: Canada policy expires and there is no lapse or gap in coverage; or
– before the date any other existing health insurance coverage expires, and there is no lapse in coverage. In the event of a claim, you must provide satisfactory proof of your previous insurance coverage in order to have the waiting period waived.
• Pre-existing medical conditions (only if you select Option 1):
– 90 days stability required for age 59 or under
– 120 days for age 60-69
– 180 days for age 70 to 79
All pre-existing medical conditions will be excluded from coverage if you are age 79 or under and selected Option 2 or if you are age 80 and over.
| Summary of Benefits |
|---|
| Maximum Sum Insured options |
| $10,000, $25,000, $50,000, $100,000, $150,000, or $300,000 per person per policy. Extra Injury Coverage: If you purchase $100,000 or more, an additional $50,000 is available for injury (see policy for details). |
| Emergency Hospital |
| Semi-private room (or intensive care when medically necessary); hospital services and supplies necessary for care of a medical emergency during hospitalization. |
| Emergency Medical |
| Medical care from a physician in or out of a hospital; tests needed to diagnose condition; emergency medical attention in/out of hospital. |
| Drugs or Medications |
| Prescription medications up to $500 (not exceeding a 30-day supply when prescribed on an outpatient basis). Not covered: medications that can be purchased without a prescription. |
| Professional Service |
| Services by a health-care practitioner (acupuncturist, chiropodist, chiropractor, osteopath, physiotherapist, podiatrist) up to a combined total of $1,000 per covered emergency with prior written referral from a physician. |
| Emergency Air Transportation / Return Home |
| Air ambulance, stretcher fare on a commercial flight, return economy fare for a qualified medical attendant, or extra economy fare for you (and, if needed, for one accompanying family member), when medically necessary and pre-approved/arranged by Assistance Centre. |
| Transportation of Family |
| Coverage for return of dependent children if you are hospitalized; also, if required, a medical attendant for return to country of origin or destination (must be pre-approved). |
| Follow-up Visits |
| Coverage for follow-up appointments is not specified as a separate benefit; continuing treatment/recurrence of condition after the Assistance Centre determines your emergency has ended is not covered (see “Continuing Treatment” section). |
| Accidental Dental |
| Up to $4,000 for treatment to natural teeth and repairs to dentures or dental devices if caused by a direct unintended blow to your face. |
| Dental Emergencies |
| Up to $300 for immediate relief of acute dental pain not caused by a direct blow to the face (must not have previously received treatment or advice for this issue). |
| Meals and Accommodation |
| Not specifically listed as a separate benefit; may be included under out-of-pocket expenses for family member’s costs in hospital situations (see extra benefits below). |
| Emergency Return Home |
| If you must return to your country of origin due to medical emergency, payment for the extra cost of an economy class fare, stretcher, or air ambulance, including return fare for a medical attendant if medically necessary and approved by Assistance Centre. |
| Return of Deceased |
| Up to $7,500 for preparation and transportation of remains or up to $7,500 for cremation/burial at place of death (not including casket, urn, or grave marker, flowers, ceremony, or reception). |
| Accidental Death & Dismemberment |
| Up to $25,000 for death, permanent blindness (both eyes), or loss of two limbs. Up to $12,500 for blindness in one eye or loss of one limb. (Accidental death & dismemberment is in excess of the policy limit.) |
| Flight Accident |
| - |
| Side-trip outside Canada |
| Covered for side-trips outside Canada up to a total of 30 days during a 365-day policy, provided no travel to country of origin, and at least 51% of the policy duration is in Canada. Coverage suspended during any trip that exceeds permitted duration, resumes upon return to Canada. |
| Coverage for pre-existing medical conditions |
| Enhanced Plan: coverage for stable pre-existing conditions only (see definitions: “stable” means no change, new symptoms, or physician advice for change for 180 days before effective date). Standard Plan: no coverage for any pre-existing conditions. |
| Waiting period for sickness |
| If purchased after arrival, a waiting period applies: 72 hours if bought within first 30 days of arrival, or 7 days if more than 30 days after arrival. Sickness that manifests during waiting period is not covered, even if expenses occur later. Waiting period waived if bought before arrival, or if replacing an existing policy with no lapse and no increase in limit or decrease in deductible. |
| Medical Concierge Services (StandbyMD) | | 24/7 access to telephone or video chat with a qualified physician, physician house calls (where available), care coordination, delivery of lost/found prescription medications, and network clinics worldwide. | | Automatic Extension | | Coverage automatically extended for up to 72 hours if your return is delayed by a common carrier or if you are hospitalized on your policy expiry date (extension for hospitalization can last up to 365 days or until you are stable for discharge or evacuation). Up to 5-day extension if you have a medical emergency in last 5 days of policy that prevents travel, as confirmed by a physician. | | Assistance Centre | | 24/7 multilingual emergency assistance for medical referral, travel information, help with lost/stolen baggage, emergency cash, travel advisories, weather, embassy/consulate, and more. | | Extra Injury Coverage | | If you purchased $100,000 or more in policy limit, an additional $50,000 of coverage for injuries is included (does not apply to sickness claims). |
• Age (on start date) – up to 85 for Standard and Enhanced Plans (No age limit for Basic Plan)
• Period – 365 days (730 days for Monthly Payment Plan). Extensions are available
• Deductible: $0; $100; $250; $500; $1,000; $5,000 and $10,000 per period
• The $2,500 “disappearing” deductible applies to each sickness-related claim (per claim)
• Waiting Period for Illness:
– 0 days if purchased before arrival in Canada
– 72 hours if purchase within 30 days after arrival
– 7 days waiting for sickness after 30 days
– 15 days for age 86 or older and purchased after arrival
– No waiting for accidental body injury
Pre-existing medical conditions – 180-day look back period
| Summary of Benefits |
|---|
| Maximum Sum Insured options |
| $25,000, $50,000, $100,000, $150,000 (for Super Visa applicants: $100,000 or $150,000). Deductible options: $0, $100, $500, $1,000. Policy maximum: 365 days per policy (can be renewed). |
| Emergency Hospital |
| Hospital accommodations up to semi-private rooms and hospital services and supplies necessary for the care of a medical emergency during hospitalization. |
| Emergency Medical |
| Medical treatment by a physician or surgeon. Out-patient emergency room charges. |
| Drugs or Medications |
| Prescription medication obtained on the prescription of the attending physician and supplied by a licensed pharmacist, to a maximum 30-day prescription. Refills and associated physician’s expenses are excluded. |
| Professional Service |
| Emergency services of an osteopath, physiotherapist, chiropractor, chiropodist, optometrist, and/or podiatrist. Up to an aggregate maximum of $500 per person. |
| Emergency Air Transportation / Return Home |
| Licensed road or air ambulance in a medical emergency that requires immediate transportation to the nearest hospital where adequate facilities are available. Air ambulance or scheduled airline only when the transport is to a hospital for further in-hospital medical treatment not available at the attended facility, with written recommendation and prior GMS approval. |
| Transportation of Family |
| Payment for a one-way, economy class airfare by the most direct route to return an accompanying child/children (up to the age of 18 years) to the original point of departure. The cost of an escort, when necessary, will be covered. Special attendant benefit: round-trip airfare for a medical attendant, if medically necessary and pre-approved, to accompany you back to your destination in Canada or your country of origin. (Pre-approval required.) |
| Follow-up Visits |
| When deemed medically necessary, follow-up visits are covered until such time that the medical emergency has been deemed to have ended as advised by GMS. GMS requires it to occur no later than 14 days after the initial medical emergency, unless otherwise instructed and approved by GMS. |
| Accidental Dental |
| Expenses for the repair or replacement of natural teeth or permanently attached artificial teeth necessitated by an accidental blow to the mouth, to a maximum of $2,000 per person. |
| Dental Emergencies |
| Medical treatment for the relief of dental pain, to a maximum of $300. |
| Meals and Accommodation |
| Payment for reasonable and customary expenses, up to $150 per day to a maximum of $1,000, for accommodations, meals, necessary telephone calls and taxi or bus fares incurred by an accompanying family member if you are in hospital on your return date. |
| Emergency Return Home |
| Repatriation to Country of Origin by Commercial Airline without a Medical Attendant: if deemed medically fit to travel, payment to a maximum of $5,000 to transport you by common carrier without the need of a medical escort back to your country of origin for further medical treatment. Includes one accompanying family member. With a Medical Attendant: if medically necessary, includes economy airfare for one family member, cost of a medical escort, additional airfare for stretcher, or air ambulance if deemed medically necessary (pre-approved by GMS). |
| Return of Deceased |
| When death results from a covered medical emergency, expenses for either the preparation or transportation of the deceased to his/her destination in Canada or country of origin, to a maximum of $10,000 per person, or the expense of cremation or burial at the place of death, to a maximum of $4,000. (No coverage for headstone, casket, urn, or funeral services.) |
| Accidental Death & Dismemberment |
| - |
| Flight Accident |
| - |
| Side-trip outside Canada |
| Coverage for side trips up to 30 days or less in duration, outside of Canada, provided trips originate and terminate in Canada and are not greater than 50% of the period of coverage. No coverage in country of origin. |
| Coverage for pre-existing medical conditions |
| GMS does not cover expenses resulting directly or indirectly from medical conditions which have not been stable for 180 days immediately prior to your effective date, including: medical condition(s) for which you received medical treatment or consultation; and/or undiagnosed medical condition(s) related to symptoms for which you received medical treatment or consultation. Must be stable based on the policy definition, regardless of physician’s opinion. |
| Waiting period for sickness |
| If you apply before arriving in Canada, or purchase to continue coverage without a gap from another Canadian insurance company, coverage begins on the effective date with no wait period. If uninsured and you apply within the first 30 days of arriving in Canada, coverage for injury begins on the effective date and a 2-day waiting period is applied to coverage for medical conditions (other than injury). If uninsured and you apply more than 30 days after arriving in Canada, coverage for injury begins on the effective date and a 7-day waiting period is applied to coverage for medical conditions (other than injury). |
| Child Care | | Payment up to $500, with prior GMS approval, for licensed care of dependent children if they are travelling with you, should you be hospitalized due to a medical emergency. | | Out-of-Pocket Expenses | | Payment for reasonable and customary expenses, up to $150 per day to a maximum of $1,000, for accommodations, meals, necessary telephone calls and taxi or bus fares incurred by an accompanying family member if you are in hospital on your return date. | | Automatic Coverage Extension | | Coverage will be automatically extended at no additional cost if coverage expires while hospitalized due to a medical emergency, or if your return is delayed because of certain situations (details in policy wording). | | No Medical Questions | | Visitors under 55 years old can get a Visitors to Canada plan without having to answer medical questions. | | Virtual Care Available | | For minor emergencies like sprains and common colds, virtual care by phone or online is available. | | 24/7 Travel Assistance | | GMS Travel Assistance is available 24/7 to coordinate care, transportation, and repatriation, with telephone interpretation services available in most languages. | | No Waiting Period (if conditions met) | | No waiting period if you apply before arriving in Canada or are replacing an existing emergency medical plan from a Canadian insurance company. |
• Age (on application date):
• 365 days maximum for up to age 80
• Deductible: $100; $500 or $1,000 per claim.
• Waiting Period
– No waiting before arrival in Canada or extending an existing policy
– 2 days waiting for sickness if the policy has been purchased within 30 days after your arrival in Canada or after the expiry of a similar insurance plan. Injury coverage is available during the waiting period.
– 7 days waiting for sickness if the policy has been purchased after 30 days from your arrival in Canada or after the expiry of a similar insurance plan.
• Pre-existing medical conditions – 180 days look back period for stable pre-existing condition
• No coverage for recurrence or complication of already claimed medical condition
| Summary of Benefits |
|---|
| Maximum Sum Insured options |
| $15,000, $25,000, $50,000, $100,000 (30–85 years old); up to $150,000 (30–69 years old). Maximum 365 days per policy. |
| Emergency Hospital |
| Hospital room (semi-private or intensive care if medically necessary); hospital services and supplies necessary for care in case of medical emergency. |
| Emergency Medical |
| Medical care from a physician in or out of hospital; medical care from a licensed nurse; diagnostic tests needed to diagnose or find out more about your condition; prescribed drugs (by physician or dentist); rental/purchase of hospital bed, wheelchair, brace, crutch, or other medical appliance; all subject to eligible emergency only. |
| Drugs or Medications |
| Drugs that are prescribed and are available only by prescription from a physician or dentist, required as part of your emergency treatment. |
| Professional Service |
| Treatment received from a licensed chiropractor, osteopath, acupuncturist, chiropodist, physiotherapist, or podiatrist, up to $70 per visit to a maximum of $700 for a covered injury. |
| Emergency Air Transportation / Return Home |
| Air ambulance, stretcher fare on commercial flight, return economy airfare for a qualified medical attendant, or extra economy airfare for you, when medically necessary and pre-approved/arranged by Assistance Centre. |
| Transportation of Family |
| If you are travelling alone and are admitted to hospital for 5 days or more, up to $3,000 for return airfare for an immediate family member or close friend, plus up to $500 for hotel and meals. Also covers return of dependent children under your care. |
| Follow-up Visits |
| Follow-up visits are covered until the attending physician or Manulife medical advisors declare the end of the medical emergency. |
| Accidental Dental |
| Up to $4,000 to repair or replace natural or permanently attached artificial teeth, if caused by a direct unintended blow to the mouth. |
| Dental Emergencies |
| Up to $300 for the relief of dental pain. |
| Meals and Accommodation |
| Up to $150 per day, to a maximum of $1,500 for extra hotel, meals, essential calls and taxi fares if a medical emergency prevents you or your travel companion from returning home as planned. |
| Emergency Return Home |
| Extra cost of economy airfare, stretcher airfare, medical attendant return airfare, or air ambulance if medically necessary (as approved and arranged by Assistance Centre). |
| Return of Deceased |
| Up to $3,000 for preparation and return of your body, or up to $3,000 for burial or cremation at the place of death. |
| Accidental Death & Dismemberment |
| Up to $50,000 for death, double dismemberment, or loss of sight in both eyes; up to $25,000 for single dismemberment or loss of sight in one eye. |
| Flight Accident |
| - |
| Side-trip outside Canada |
| Coverage for side-trips outside Canada (excluding your country of origin) as long as each trip does not exceed the lesser of 30 days per policy or 49% of total coverage days; trip must originate and terminate in Canada. |
| Coverage for pre-existing medical conditions |
| Plan A: No coverage for any condition existing or treated in 180 days prior to effective date. Plan B: Coverage for pre-existing conditions if stable for 180 days prior to effective date. No coverage if hospitalized more than once for 2+ days in 12 months prior to effective date. |
| Waiting period for sickness |
| 48-hour waiting period if policy purchased after arrival in Canada or after expiry of previous Manulife policy (waived if purchased before arrival, or as continuation with no lapse or increase in sum insured). Sickness during waiting period is not covered, even if expenses occur later. |
| Bringing Someone to Your Bedside | | If you are hospitalized for 5+ days, pays return airfare for a family member or friend to your bedside (up to $3,000), plus $500 for their hotel and meals, and covers that person under the same emergency plan for up to 72 hours. | | Hospital Allowance | | If hospitalized for more than 72 hours, up to $100 per day to a maximum of $300 for telephone and television expenses incurred while hospitalized. | | Trip Break | | You may return home during your trip without terminating your coverage (with prior approval); coverage resumes on your return to Canada. No refund of premium for days spent at home. | | Return Your Travel Companion | | Covers the extra cost of one-way economy airfare for your travel companion if you are repatriated or evacuated under Return of Deceased or Emergency Return Home benefits. | | Childcare | | If you are admitted to hospital, up to $100 per day to a maximum of $300 for childcare services (if child under your care during your trip). | | Medical Consultation Service (Telemedicine) | | Access to a Canadian-licensed primary care physician for assessment, diagnosis, and prescription by phone or online, through the Maple telemedicine service (available in most provinces). | | Assistance Centre | | 24/7 multilingual emergency assistance for medical referral, travel information, coordination of care, direct payment to providers, and more. | | Automatic Extension | | Up to 72 hours if carrier is delayed, up to 5 days if you or travel companion have a medical condition that prevents travel but do not require hospitalization, and coverage is extended for full hospitalization period plus 5 days after discharge (to maximum of 12 months). | | Refund Policy | | Full refund if requested before policy effective date or if Super Visa is refused. Partial refund for unused days if you obtain provincial coverage or return home early and no claim has been made. Minimum refund $25. |