Plan Info Visitors to Canada
Stay informed with all benefits and condition of Visitors to Canada.
Summery of Benefits:
| Destination Travel |
|---|
| Maximum Coverage |
| $25,000 • $50,000 • $100,000 • $150,000 • $200,000 • $250,000 • $300,000 |
| Eligible Applicants |
| Visitors to Canada • newly landed immigrants • migrant workers • returning Canadians |
| Eligibility Ages |
| Minimum 15 days old • Maximum eligible age 89 years • Pre-existing condition coverage available up to age 79 under Option 1 • Age 80+: all pre-existing conditions excluded |
| Eligibility Restrictions |
| Not travelling against physician advice • no terminal illness • no pancreatic cancer, liver cancer, or metastatic cancer • no home oxygen in last 12 months • no heart failure • no major organ/bone marrow/stem cell transplant • no kidney dialysis in last 12 months • no un-repaired aneurysm of 4 cm or more |
| Pre-Existing Condition Coverage |
| Option 1: Stable pre-existing conditions covered • Option 2: All pre-existing conditions excluded |
| Stability Period |
| 90 days (age 0–59) • 120 days (age 60–69) • 180 days (age 70–79) |
| Stable Definition |
| No new treatment • no medication changes • no worsening condition • no new/more frequent symptoms • no hospitalization • no specialist referral • no pending tests/treatment |
| Medical Questionnaire |
| Not required |
| Waiting Period |
| 48 hours if policy purchased within 30 days of departure • 7 days if purchased 30+ days after departure |
| Waiting Period Waiver |
| Waived if policy purchased before departure • before existing policy expiry with no gap • before other health coverage expiry with no gap |
| Coverage Start Date |
| Latest of: application/premium acceptance • effective date on confirmation • date/time leaving country of origin |
| Coverage End Date |
| Coverage ends on expiry date shown on confirmation |
| Effective Date Rule |
| Policy cancelled/refunded if the effective date is more than 3 years from the purchase date |
| Emergency Hospital |
| Semi-private hospital room • hospital services/supplies • drugs administered during hospitalization |
| Emergency Medical |
| Physician • surgeon • anesthetist • lab tests • x-rays • outpatient emergency treatment • private duty nurse up to $10,000 |
| Prescription Drugs |
| Emergency outpatient drugs • one-time 30-day supply • up to $1,000 |
| Professional Services |
| Physiotherapist • chiropractor • osteopath • chiropodist • podiatrist • ordered by physician • up to $500 per practitioner |
| Medical Appliances |
| Crutches • splints • braces • prosthetics • hospital-type bed rental |
| Emergency Transportation |
| Licensed air/land/sea ambulance • mountain/sea evacuation • nearest appropriate hospital |
| Emergency Return Home |
| Up to $3,000 one-way economy transportation to the country of origin • includes one insured family member |
| Transportation of Family or Friend |
| Up to $3,000 transportation • up to $1,000 meals/accommodation |
| Attendant Benefit |
| Up to $50/day • maximum $500 for companion care if hospitalized 48+ hours |
| Follow-Up Visits |
| Up to $3,000 for follow-up examinations related to the original emergency |
| Accidental Dental |
| Up to $3,000 for accidental direct blow to face • treatment within 90 days |
| Dental Emergencies |
| Up to $500 for acute dental pain |
| Meals & Accommodation |
| Up to $150/day • maximum $1,500 • maximum 10 days |
| Return of Deceased |
| Up to $10,000 return of remains • up to $4,000 cremation/burial |
| Accidental Death & Dismemberment |
| Up to selected sum insured • maximum $150,000 |
| Flight Accident |
| Up to $50,000 |
| Exposure & Disappearance |
| Covered up to selected sum insured |
| Side-Trip Outside Canada |
| Coverage allowed outside Canada if at least 51% of the coverage period is spent in Canada |
| Country of Origin Coverage |
| No coverage in country of origin |
| Temporary Return Home Rule |
| Temporary return allowed, but treatment received in the home country will not be covered for the remainder of the policy |
| Claims Contact Requirement |
| Contact Zurich Assistance before treatment, within 24 hours of hospital admission, and before surgery |
| Emergency Assistance Numbers |
| Canada/USA: 1-833-532-2713 • Worldwide: +1-819-742-1096 |
| Failure to Notify |
| Insured responsible for 20% of the eligible expenses if Zurich Assistance is not contacted |
| Claim Notice Deadline |
| Within 30 days of occurrence • no later than 1 year |
| Proof of Loss Deadline |
| Within 90 days • no later than 1 year |
| Required Claim Documents |
| Claim form • original bills • receipts • proof of payment • medical records • travel proof • historical records if requested |
| Pre-Approval Requirement |
| Required for emergency transportation • surgery • certain diagnostics • follow-up visits • continuation treatment |
| Transfer / Repatriation Rights |
| Insurer may transfer or repatriate insured after stabilization • refusal ends further coverage |
| Refund: 10-Day Review |
| Full refund within 10 days if coverage has not started |
| Refund Eligibility |
| Trip cancellation before effective date • early return • provincial health coverage eligibility |
| Visa / Entry Permit Refund Rule |
| $150 fee for one-year visa policies cancelled before the effective date without visa refusal proof |
| Refund Deadline |
| Refund request within 90 days after policy expiry |
| Refund Fees |
| $25 admin fee • minimum refund $25 |
| Refund Restriction |
| No refund if claim incurred, paid, or pending |
| Monthly Payment Option |
| Available for minimum 180-day coverage and minimum $50,000 policy |
| Monthly Payment Fees |
| Additional $10 per installment |
| Failed Monthly Payment |
| 30 days to pay outstanding balance • $25 failed payment fee • policy terminates if unpaid |
| Automatic Extension – Travel Delay |
| Up to 72 hours |
| Automatic Extension – Medically Unfit |
| Up to 5 days |
| Automatic Extension – Hospitalization |
| During hospitalization plus 72 hours after discharge |
| Policy Extensions |
| Available subject to eligibility and underwriting review |
| Transit Coverage Extension |
| Up to 3 days transit outside Canada if extension purchased before expiry |
| Major Exclusions |
| Unstable pre-existing conditions • waiting period sickness • non-emergency treatment • chronic care • rehabilitation • experimental treatment |
| High-Risk Activity Exclusions |
| Professional sports • racing • skydiving • heliskiing • mountaineering • scuba diving over 30m • rodeo |
| Pregnancy Exclusions |
| Pregnancy/delivery/complications not covered |
| Travel Advisory Exclusion |
| Government travel advisories apply |
| Substance Use Exclusion |
| Alcohol/drug misuse • medication non-compliance |
| Mental Health Exclusion |
| Minor mental/emotional disorders excluded |
| Fraud / Misrepresentation |
| False or incomplete information may void policy and claims |
| Coordination of Benefits |
| Pays after other available insurance • maximum reimbursement limited to actual loss |
| Currency |
| All benefits payable in Canadian dollars |
| Specific Unique Features |
| Waiting period waiver with continuous coverage • entry permit change provisions • policy cancellation if effective date exceeds 3 years from purchase |
READ DESTINATION TRAVEL POLICY WORDINGS FOR MORE DETAILS
CONNECT WITH US ON WHATSAPP: 403-369-8722
Specific Conditions:
Summery of Benefits:
| 21st Century |
|---|
| Maximum Coverage |
| $10,000 • $25,000 • $50,000 • $100,000 • $150,000 • $300,000 |
| Eligible Applicants |
| Visitors to Canada • Super Visa applicants • landed immigrants • returning Canadians • work visa holders • student visa holders |
| Eligibility Ages |
| Enhanced Plan: Age 0–85 • Standard Plan: Age 0–85 |
| Eligibility Restrictions |
| Not travelling against physician advice • no terminal illness with less than 2 years to live • no pancreatic/lung/brain/liver cancer diagnosed or treated within last 2 years • no metastatic cancer • no organ/bone marrow transplant (except corneal transplant) • no congestive heart failure • no home oxygen in last 12 months • no kidney dialysis • not residing in nursing home or long-term care facility • age 86+ not eligible |
| Pre-Existing Condition Coverage |
| Enhanced Plan: Coverage for stable pre-existing conditions only • Standard Plan: No coverage for pre-existing conditions |
| Stability Period |
| 180 days |
| Stable Definition |
| No new diagnosis • no worsening symptoms • no hospitalization • no new treatment • no medication change • no specialist referral • no emergency visit • no pending investigation/testing • no physician advice for change |
| Medical Questionnaire |
| Enhanced Plan: Required for applicants age 60–85 • Standard Plan: Not required |
| Waiting Period |
| 72 hours if purchased within first 30 days after arrival • 7 days if purchased after 30 days in Canada |
| Waiting Period Waiver |
| Waived if purchased before arrival in Canada • or replacing existing coverage with no lapse, no increase in coverage limit, and no deductible reduction |
| Coverage Start Date |
| Coverage begins on effective date shown on policy confirmation after premium payment and policy approval |
| Coverage End Date |
| Earliest of policy expiry • departure from Canada • eligibility under government health insurance • cancellation date |
| Effective Date Rule |
| Two-year policy option available for $100,000 and higher coverage |
| Emergency Hospital |
| Semi-private hospital accommodation • medically necessary hospital services and supplies |
| Emergency Medical |
| Physician/surgeon services • diagnostic tests • emergency outpatient services |
| Prescription Drugs |
| Up to $500 • maximum 30-day supply • outpatient prescription only • non-prescription medications excluded |
| Professional Services |
| Acupuncturist • chiropodist • chiropractor • osteopath • physiotherapist • podiatrist • combined maximum $1,000 • physician referral required |
| Medical Appliances |
| Private duty nursing and medical devices up to $10,000 |
| Emergency Transportation |
| Licensed road ambulance • air ambulance • stretcher fare • transfer to nearest appropriate facility • pre-approval required |
| Emergency Return Home |
| Economy airfare • stretcher • air ambulance • return airfare for medical attendant if medically necessary and approved |
| Transportation of Family or Friend |
| Return transportation of dependent children • medical attendant transportation when approved |
| Attendant Benefit |
| Medical attendant transportation covered when medically required |
| Follow-Up Visits |
| Continuing treatment after the emergency ends is not covered unless specifically approved |
| Accidental Dental |
| Up to $4,000 for natural teeth, dentures, or dental devices damaged by a direct accidental blow to the face |
| Dental Emergencies |
| Up to $300 for immediate relief of acute dental pain not caused by a direct blow |
| Meals & Accommodation |
| Included under certain approved hospital/emergencies |
| Return of Deceased |
| Up to $7,500 preparation/transportation of remains • or up to $7,500 cremation/burial at place of death |
| Accidental Death & Dismemberment |
| Up to $25,000 for death, loss of two limbs, or blindness in both eyes • up to $12,500 for one limb or one eye |
| Flight Accident |
| - |
| Exposure & Disappearance |
| - |
| Side-Trip Outside Canada |
| Covered up to total 30 days during 365-day policy • minimum 51% of policy period must be spent in Canada • no country of origin coverage |
| Country of Origin Coverage |
| No coverage in country of origin |
| Temporary Return Home Rule |
| Coverage suspended if side-trip exceeds permitted duration • resumes upon return to Canada |
| Claims Contact Requirement |
| Must contact Assistance Centre before treatment whenever possible |
| Emergency Assistance Numbers |
| USA/Canada: 1-877-882-2957 • Worldwide Collect: +1-519-251-7856 |
| Failure to Notify |
| 20% penalty on otherwise eligible expenses if Assistance Centre not contacted before treatment |
| Claim Notice Deadline |
| Claims should be submitted promptly with supporting documentation |
| Proof of Loss Deadline |
| Submit required proof/documents as requested by insurer |
| Required Claim Documents |
| Medical records • receipts • proof of payment • travel documents • claim forms • historical medical records if requested |
| Pre-Approval Requirement |
| Required for emergency transportation • transfers • air ambulance • stretcher transport • certain medical services |
| Transfer / Repatriation Rights |
| Assistance provider may coordinate transfer, evacuation, or repatriation |
| Refund: 10-Day Review |
| - |
| Refund Eligibility |
| Refunds available according to policy cancellation provisions |
| Visa / Entry Permit Refund Rule |
| - |
| Refund Deadline |
| Subject to policy administration timelines |
| Refund Fees |
| Administration fees may apply |
| Refund Restriction |
| No refund once claim incurred or policy conditions breached |
| Monthly Payment Option |
| Available on eligible plans |
| Monthly Payment Fees |
| Terms and conditions apply |
| Failed Monthly Payment |
| Coverage subject to cancellation if payments are not maintained |
| Automatic Extension – Travel Delay |
| Automatic extension up to 72 hours for common carrier delays |
| Automatic Extension – Medically Unfit |
| Up to 5 days if medically unable to travel due to a covered emergency |
| Automatic Extension – Hospitalization |
| Coverage continues during hospitalization and up to 365 days or until stable for discharge/evacuation |
| Policy Extensions |
| Available subject to underwriting approval |
| Transit Coverage Extension |
| Medical coverage included on inbound and outbound flights |
| Major Exclusions |
| Unstable medical conditions • non-emergency treatment • recurrent care • pregnancy-related conditions • excessive alcohol use • criminal acts • high-risk activities |
| High-Risk Activity Exclusions |
| Dangerous/high-risk activities excluded under policy terms |
| Pregnancy Exclusions |
| Pregnancy, childbirth, miscarriage, and related complications are subject to exclusions/limitations |
| Travel Advisory Exclusion |
| Claims may be excluded when travelling against official advisories |
| Substance Use Exclusion |
| Alcohol or drug-related claims excluded when contributing to condition |
| Mental Health Exclusion |
| Psychological, emotional, or psychiatric conditions subject to policy limitations |
| Fraud / Misrepresentation |
| Incorrect or incomplete medical information may void coverage |
| Coordination of Benefits |
| Benefits coordinated with other available insurance/government plans |
| Currency |
| Benefits payable in Canadian dollars |
| Specific Unique Features |
| Disappearing Deductible • Extra Injury Coverage: additional $50,000 for injury claims on $100,000+ policies • 90-Day Provision included • deductible options available • companion/family rates • StandbyMD concierge physician services • Maple telemedicine access • multilingual Assistance Centre • mobile app support • side-trip coverage worldwide except country of origin |
READ DESTINATION TRAVEL POLICY WORDINGS FOR MORE DETAILS
CONNECT WITH US ON WHATSAPP: 403-369-8722
Specific Conditions:
| Important Note | Details |
|---|---|
| Disappearing Deductible | If eligible sickness claim exceeds $2,500, deductible may be waived and benefits paid from first dollar |
| 90-Day Provision | Coverage for same medical condition may continue if condition remains stable for 90 days before subsequent claim |
| Continuing Treatment | Follow-up treatment may continue after emergency ends if approved under policy conditions |
| Emergency Coverage Only | Coverage applies to sudden and unexpected medical emergencies only |
| Travel Assistance Requirement | Assistance Centre must be contacted before treatment or within 24 hours of hospitalization |
| Pre-Approval Requirement | Certain tests, surgery, hospitalization, and transportation require Assistance Centre approval |
| Side-Trip Limits | Side-trips outside Canada limited to 30 days total with minimum 51% of insured period spent in Canada |
| Medical Disclosure | Incorrect or incomplete medical information may affect eligibility or claims |
| Country of Origin | No coverage for treatment received in your country of origin |
Summery of Benefits:
| GMS |
|---|
| Maximum Coverage |
| $25,000 • $50,000 • $100,000 • $150,000 |
| Eligible Applicants |
| Visitors to Canada • immigrants • Super Visa applicants |
| Eligibility Ages |
| Under age 55: eligible without medical questionnaire • Age 55–79: subject to medical eligibility • Maximum eligible age 79 years |
| Eligibility Restrictions |
| Must not be travelling against physician advice • no expectation of medical treatment • no prior refusal of similar coverage • no more than $5,000 medical treatment in Canada in the previous 12 months • additional medical restrictions apply |
| Pre-Existing Condition Coverage |
| Covered only if medical condition remains stable for the required stability period before the effective date |
| Stability Period |
| 180 days |
| Stable Definition |
| No new treatment • no medication changes • no worsening symptoms • no hospitalization • no specialist referral • no pending tests or investigations • no new diagnosis |
| Medical Questionnaire |
| Not required under age 55 |
| Waiting Period |
| No waiting period if purchased before arrival in Canada or replacing existing Canadian emergency medical insurance with no gap • 2-day waiting period if purchased within first 30 days after arrival • 7-day waiting period if purchased after 30 days in Canada |
| Waiting Period Waiver |
| Waived when replacing existing Canadian emergency medical insurance with no lapse in coverage |
| Coverage Start Date |
| Later of application date or requested effective date when applying in Canada • arrival date in Canada when purchased before arrival |
| Coverage End Date |
| Earliest of policy expiry • departure from Canada • return to country of origin • eligibility under government health plan |
| Effective Date Rule |
| Maximum coverage period per policy is 365 days |
| Emergency Hospital |
| Semi-private hospital accommodation • hospital services • hospital supplies required during hospitalization |
| Emergency Medical |
| Physician/surgeon treatment • diagnostic tests • outpatient emergency room treatment • emergency medical care during hospitalization |
| Prescription Drugs |
| Prescription drugs prescribed by attending physician • maximum 30-day supply • refills excluded |
| Professional Services |
| Physiotherapist • chiropractor • osteopath • chiropodist • podiatrist • optometrist • up to $500 aggregate maximum per person |
| Medical Appliances |
| - |
| Emergency Transportation |
| Licensed road ambulance • air ambulance • transportation to nearest appropriate hospital • transfer between hospitals when medically necessary and approved |
| Emergency Return Home |
| Repatriation to country of origin up to $5,000 without medical attendant • includes one accompanying insured family member |
| Transportation of Family or Friend |
| Economy transportation included under approved repatriation benefits |
| Attendant Benefit |
| Special medical attendant transportation covered when medically necessary and approved |
| Follow-Up Visits |
| Covered until emergency ends • follow-up must occur within 14 days unless approved otherwise by GMS |
| Accidental Dental |
| Up to $2,000 for accidental direct blow to the mouth • implants excluded |
| Dental Emergencies |
| Up to $300 for emergency relief of dental pain |
| Meals & Accommodation |
| Up to $150/day • maximum $1,000 for accommodations, meals, taxi/bus fares, and phone calls |
| Return of Deceased |
| Up to $10,000 transportation of remains • up to $4,000 cremation/burial |
| Accidental Death & Dismemberment |
| - |
| Flight Accident |
| - |
| Exposure & Disappearance |
| - |
| Side-Trip Outside Canada |
| Side-trip coverage up to 30 days • trip must originate and terminate in Canada • side-trip cannot exceed 50% of total coverage period |
| Country of Origin Coverage |
| No coverage in country of origin |
| Temporary Return Home Rule |
| - |
| Claims Contact Requirement |
| Contact GMS Travel Assistance prior to treatment whenever possible and no later than 24 hours after treatment or hospital admission |
| Emergency Assistance Numbers |
| Canada/USA: 1-800-459-6604 • Worldwide Collect: 905-762-5196 |
| Failure to Notify |
| Benefits limited to lesser of 70% of eligible expenses or $50,000 if GMS Travel Assistance not contacted |
| Claim Notice Deadline |
| Written notice within 30 days after contacting GMS Travel Assistance |
| Proof of Loss Deadline |
| Submit proof within 90 days after illness or injury |
| Required Claim Documents |
| Original itemized receipts • proof of payment • physician diagnosis • dental accident proof • travel proof • visa documentation • historical medical records if requested |
| Pre-Approval Requirement |
| MRI • CT scans • ultrasounds • biopsies • air ambulance • repatriation • special attendant transportation • certain diagnostics require approval |
| Transfer / Repatriation Rights |
| GMS may transfer insured to another medical facility or return insured to country of origin • refusal terminates liability for further expenses |
| Refund: 10-Day Review |
| Full refund within 10 days if coverage has not started |
| Refund Eligibility |
| Visa denial • no travel • early return to country of origin • provincial health coverage eligibility • death during policy period |
| Visa / Entry Permit Refund Rule |
| Refund available with official visa refusal documentation |
| Refund Deadline |
| No refund available after policy expiry |
| Refund Fees |
| Administration fee may apply • no refund cheque issued under $5 |
| Refund Restriction |
| No refund if claim reported, incurred, paid, or pending |
| Monthly Payment Option |
| - |
| Monthly Payment Fees |
| - |
| Failed Monthly Payment |
| - |
| Automatic Extension – Travel Delay |
| Automatic extension up to 48 hours for transportation delays beyond the insured’s control |
| Automatic Extension – Medically Unfit |
| - |
| Automatic Extension – Hospitalization |
| Coverage continues during hospitalization and up to 72 hours after discharge |
| Policy Extensions |
| Must request minimum 48 hours before expiry • no medical treatment during policy • total coverage cannot exceed 1 year • insured must remain under age 80 |
| Transit Coverage Extension |
| Automatic 48-hour transit coverage between Canada and the country of origin |
| Major Exclusions |
| Unstable medical conditions • continuation/recurrence of conditions • non-emergency treatment • chronic care • rehabilitation • experimental treatment • diagnostic testing without approval |
| High-Risk Activity Exclusions |
| Professional sports • racing • parachuting • bungee jumping • hang gliding • skydiving • mountaineering • rodeo |
| Pregnancy Exclusions |
| Pregnancy • abortion • miscarriage • childbirth and related complications excluded |
| Travel Advisory Exclusion |
| No coverage where the Government of Canada advisory recommends “Avoid non-essential travel” or “Avoid all travel” |
| Substance Use Exclusion |
| Alcohol/drug abuse • medication misuse contributing to condition |
| Mental Health Exclusion |
| Emotional • psychiatric • psychological conditions may be excluded under medical condition limitations |
| Fraud / Misrepresentation |
| Incorrect, incomplete, or misleading medical information may void claims or policy |
| Coordination of Benefits |
| Coverage pays after other insurance or government plans |
| Currency |
| Benefits payable in Canadian dollars |
| Specific Unique Features |
| No medical questionnaire under age 55 • deductible options $0/$100/$500/$1,000 • virtual care benefit • side-trip coverage • automatic transit extension |
READ DESTINATION TRAVEL POLICY WORDINGS FOR MORE DETAILS
CONNECT WITH US ON WHATSAPP: 403-369-8722
Specific Conditions:
| Important Note | Details |
|---|---|
| Health Changes | Notify GMS of any health changes after application |
| Emergency Coverage Only | Coverage applies to unexpected medical emergencies only |
| Travel Assistance | Contact GMS within 24 hours of treatment/hospitalization |
| Government Health Plan | Coverage ends once eligible under a government health plan |
| Medical Disclosure | Incorrect or incomplete medical information may affect coverage |
Summery of Benefits:
| Manulife |
|---|
| Maximum Coverage |
| $15,000 • $25,000 • $50,000 • $100,000 available age 30–85 • up to $150,000 available age 30–69 • maximum 365 days per policy |
| Eligible Applicants |
| Visitors to Canada • Super Visa applicants • work visa holders • new immigrants awaiting provincial coverage • Canadians not eligible under government health insurance |
| Eligibility Ages |
| Age 30 days to 85 years • maximum age 69 for $150,000 Emergency Medical coverage |
| Eligibility Restrictions |
| Not travelling against physician advice • no terminal illness with less than 2 years to live • no kidney dialysis • no home oxygen use within previous 12 months • no Alzheimer’s disease or dementia • not residing in nursing/long-term care facility • no assistance required for activities of daily living |
| Pre-Existing Condition Coverage |
| 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 or for 2+ consecutive days in 12 months prior to effective date |
| Stability Period |
| 180 days |
| Stable Definition |
| No new symptoms • no worsening symptoms • no hospitalization • no medication changes • no specialist referral • no pending investigations/tests • no new treatment or treatment changes |
| Medical Questionnaire |
| Required for Plan B applicants age 40+ |
| Waiting Period |
| 48-hour waiting period if policy purchased after arrival in Canada or after expiry of previous Manulife policy • sickness during waiting period not covered even if expenses incurred later |
| Waiting Period Waiver |
| Waived if purchased before arrival in Canada • or extension purchased before expiry of existing Manulife Visitors to Canada policy with no lapse, no increase in coverage amount, and no plan change |
| Coverage Start Date |
| Later of effective date shown on confirmation or date/time of arrival in Canada |
| Coverage End Date |
| Earliest of policy expiry • return home • eligibility under government health insurance • becoming resident of long-term care facility • 365 days after effective date |
| Effective Date Rule |
| Maximum coverage period 365 days |
| Emergency Hospital |
| Semi-private hospital accommodation • ICU when medically necessary • hospital services and supplies necessary for emergency care |
| Emergency Medical |
| Medical care from physician in or out of hospital • licensed nurse care • diagnostic tests • emergency outpatient treatment • eligible emergency treatment only |
| Prescription Drugs |
| Drugs prescribed by physician or dentist and legally requiring prescription • maximum 30-day supply |
| Professional Services |
| Chiropractor • osteopath • acupuncturist • chiropodist • physiotherapist • podiatrist • up to $70 per visit • maximum $700 • covered only for injury |
| Medical Appliances |
| Rental or purchase of hospital bed • wheelchair • brace • crutch • other medical appliances |
| Emergency Transportation |
| Ground ambulance • air ambulance • stretcher airfare • transfer to nearest appropriate medical facility • pre-approved/arranged by Assistance Centre |
| Emergency Return Home |
| Extra economy airfare • stretcher airfare • air ambulance • return airfare for qualified medical attendant when medically necessary and approved/arranged by Assistance Centre |
| Transportation of Family or Friend |
| If travelling alone and hospitalized for 5+ days: up to $3,000 return airfare for immediate family member or close friend • up to $500 hotel/meals • bedside visitor covered under same emergency plan for up to 72 hours |
| Return Your Travel Companion |
| Extra one-way economy airfare for one insured travel companion if repatriated or evacuated under eligible benefits |
| Attendant Benefit |
| Return airfare and expenses for qualified medical attendant when medically necessary |
| Childcare Benefit |
| Up to $100/day • maximum $300 for childcare services if hospitalized |
| Hospital Allowance |
| If hospitalized for more than 72 hours: up to $100/day • maximum $300 for telephone and television expenses |
| Follow-Up Visits |
| Covered until attending physician or Manulife medical advisors declare emergency ended |
| Accidental Dental |
| Up to $4,000 to repair or replace natural or permanently attached artificial teeth damaged by direct accidental blow to mouth |
| Dental Emergencies |
| Up to $300 for emergency relief of dental pain |
| Meals & Accommodation |
| Up to $150/day • maximum $1,500 for hotel, meals, taxi fares, and essential calls if medical emergency delays return |
| Return of Deceased |
| Up to $3,000 preparation and return of remains • or up to $3,000 burial/cremation at place of death • additional airfare and up to $300 hotel/meals for person legally required to identify body |
| 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 one eye |
| Flight Accident |
| - |
| Exposure & Disappearance |
| If body not found within 12 months, death presumed from accident |
| Side-Trip Outside Canada |
| Coverage outside Canada excluding country of origin • maximum 30 days or 49% of total coverage period • trip must originate and terminate in Canada |
| Country of Origin Coverage |
| No coverage in country of origin |
| Temporary Return Home Rule |
| Trip Break allowed with prior approval • coverage suspended while home and reinstated upon return to Canada • no premium refund for days spent home |
| Claims Contact Requirement |
| Assistance Centre must be contacted immediately and prior to treatment whenever possible • within 24 hours of hospitalization |
| Emergency Assistance Numbers |
| Canada/USA: 1-877-878-0142 • Worldwide Collect: +1-519-251-5166 |
| Failure to Notify |
| 20% co-insurance penalty if Assistance Centre not contacted within 24 hours of hospitalization |
| Claim Notice Deadline |
| Contact Assistance Centre immediately or within 24 hours of hospitalization |
| Proof of Loss Deadline |
| Claims and supporting documents must be submitted within 90 days |
| Required Claim Documents |
| Original receipts • proof of payment • medical records • proof of accident • travel proof • passport • boarding documents |
| Pre-Approval Requirement |
| MRI • CAT scan • sonogram • biopsy • angioplasty • cardiac procedures • surgery • air ambulance • repatriation require approval |
| Transfer / Repatriation Rights |
| Assistance Centre may recommend return home or transfer to alternate facility |
| Refund: 10-Day Review |
| Full refund within 10 days if no departure and no claim in progress |
| Refund Eligibility |
| Full refund if requested before effective date or Super Visa refused • partial refund for unused days if provincial coverage begins or early return home and no claim made |
| Visa / Entry Permit Refund Rule |
| Full refund with proof of Parent & Grandparent Super Visa refusal |
| Refund Deadline |
| Written cancellation request within 60 days of return home |
| Refund Fees |
| Minimum refundable amount $25 • Super Visa claim withdrawal fee $300 per claim |
| Refund Restriction |
| No refund after paid claim • no claims accepted after refund request submitted • no refund for Trip Interruption after effective date |
| Monthly Payment Option |
| - |
| Monthly Payment Fees |
| - |
| Failed Monthly Payment |
| Coverage void if premium not received or payment invalid |
| Automatic Extension – Travel Delay |
| Up to 72 hours if common carrier delayed |
| Automatic Extension – Medically Unfit |
| Up to 5 days if physician confirms unable to travel and hospitalization not required |
| Automatic Extension – Hospitalization |
| Coverage extended during full hospitalization period plus 5 days after discharge • maximum 12 months/365 days |
| Policy Extensions |
| Must request before expiry date • subject to approval if health status changed or claim exists |
| Transit Coverage Extension |
| Included during uninterrupted direct flight to/from Canada |
| Major Exclusions |
| Unstable/pre-existing conditions • non-emergency treatment • known medical needs • ongoing treatment after emergency ends • travel against medical advice |
| High-Risk Activity Exclusions |
| Mountaineering • rock climbing • parachuting • skydiving • hang-gliding • motorized racing • professional sports |
| Pregnancy Exclusions |
| Pregnancy/childbirth complications within 9 weeks before/after expected delivery • child born during trip |
| Travel Advisory Exclusion |
| No coverage in regions under Government of Canada “Avoid all/non-essential travel” advisory |
| Substance Use Exclusion |
| Alcohol/drug misuse • overdose • intoxication • chemical dependence |
| Mental Health Exclusion |
| Minor mental/emotional disorders excluded |
| Fraud / Misrepresentation |
| Incorrect application or medical information may void coverage |
| Coordination of Benefits |
| Secondary payor coverage coordinated with other insurance/government plans |
| Currency |
| Benefits payable in Canadian dollars |
| Deductible Options |
| $0 • $75 • $500 • $1,000 • $2,500 • $5,000 • deductible applies per claim |
| Specific Unique Features |
| Plan A excludes pre-existing conditions within 180 days • Plan B covers stable pre-existing conditions • Maple telemedicine service • 24/7 multilingual Assistance Centre • TravelAid mobile app • Trip Break benefit • Family Coverage option under Plan A • uninterrupted flight coverage to/from Canada • side-trip suspension/reinstatement feature • automatic hospitalization extension up to 12 months |
READ DESTINATION TRAVEL POLICY WORDINGS FOR MORE DETAILS
CONNECT WITH US ON WHATSAPP: 403-369-8722
Specific Conditions:
| Important Note | Details |
|---|---|
| Emergency Coverage Only | Coverage applies to unexpected medical emergencies only |
| Pre-Approval Required | Certain tests, surgery, and transportation require Assistance Centre approval |
| Travel Assistance | Contact Assistance Centre immediately or within 24 hours of hospitalization |
| Country of Origin | No coverage inside your country of origin |
| Medical Disclosure | Incorrect or incomplete medical information may affect coverage |
Summery of Benefits:
| RIMI Standard Plan |
|---|
| Maximum Coverage |
| $25,000 • $50,000 • $100,000 • $150,000 • $500,000 • $1,000,000 |
| Eligible Applicants |
| Visitors to Canada • valid work visa holders • valid student visa holders • Canadians or immigrants not eligible for government health insurance |
| Eligibility Ages |
| Minimum 15 days old • maximum age less than 90 years |
| Eligibility Restrictions |
| Not travelling against physician advice • no terminal illness • no new/undiagnosed symptoms requiring medical attention • no assistance required with activities of daily living • no pancreatic, liver, lung, brain, or metastasized cancer • no kidney dialysis within last 24 months • no bone marrow/organ transplant within last 24 months • no home oxygen use within previous 12 months |
| Pre-Existing Condition Coverage |
| Plan 1: No pre-existing condition coverage • Plan 2: Stable pre-existing condition coverage available |
| Stability Period |
| Plan 2 only: Age 15 days–69 years: stable for 90 days before effective date • Age 70–84 years: stable for 180 days before effective date and all Medical Declaration answers must be “No” |
| Stable Definition |
| No hospitalization • no new diagnosis • no worsening symptoms • no medication/treatment changes • no specialist referral • no pending tests, investigations, or surgery • no abnormal test results showing deterioration |
| Medical Questionnaire |
| Required for Plan 2 applicants age 70–84 |
| Waiting Period |
| 48 hours if purchased within 30 days after arrival in Canada • 8 days if purchased after 30 days in Canada • symptoms arising during waiting period remain excluded even if expenses occur later |
| Waiting Period Waiver |
| Waived if replacing existing Secure Travel RIMI Visitors to Canada policy with no lapse and no increase in sum insured |
| Coverage Start Date |
| Latest of application/payment date and time • effective date shown on confirmation • date/time of arrival in Canada • if purchased before departure from country of origin, coverage may begin on departure date for uninterrupted travel to Canada |
| Coverage End Date |
| Earliest of expiry date • 365 days after effective date • eligibility for Canadian government health insurance • permanent return to country of origin • exceeding outside-Canada limits • 31st day outside Canada during side-trip • lapse of monthly payments • insufficient premium paid |
| Effective Date Rule |
| Maximum coverage period 365 days • plan type and sum insured cannot change after effective date |
| Emergency Hospital |
| Ward hospital accommodation • intensive/coronary care if medically necessary • emergency outpatient hospital services |
| Emergency Medical |
| Emergency treatment by licensed physician • surgeon • anesthetist • registered graduate nurse • emergency ends once medically stable for discharge, transfer, or return home |
| Prescription Drugs |
| Maximum 30-day supply • up to $500 per prescription unless hospitalized • refills excluded unless hospitalized |
| Professional Services |
| Chiropractor • physiotherapist • podiatrist • osteopath • up to $300 per insured person, per profession • MSH approval required |
| Medical Appliances |
| Up to $5,000 for temporary medical appliances including crutches, casts, splints, braces, walkers, slings, canes, trusses, and temporary wheelchair rental • MSH approval required |
| Emergency Transportation |
| Licensed ambulance • taxi in lieu of ambulance • transportation between hospitals • economy airfare • stretcher seating • medical escort/attendant transportation • air ambulance when medically necessary and approved/arranged by MSH Assistance |
| Emergency Return Home |
| One-way economy airfare to Canada or country of origin • stretcher/upgrade charges if medically necessary • medical attendant airfare if required • air ambulance if medically necessary • must be approved/arranged by MSH Assistance |
| Transportation to Bedside |
| - |
| Attendant Benefit |
| Qualified medical attendant transportation covered when medically necessary and approved by MSH Assistance |
| Childcare Benefit |
| - |
| Hospital Allowance |
| - |
| Follow-Up Visits |
| Up to 3 follow-up visits directly related to the original emergency • MSH approval required |
| Accidental Dental |
| Up to $1,000 to repair/replace whole or sound natural teeth or permanently attached artificial teeth damaged by an accidental blow to the face |
| Dental Emergencies |
| Up to $300 for emergency relief of dental pain not caused by accidental blow • treatment must begin within 48 hours and be completed within 90 days before return home |
| Meals & Accommodation |
| - |
| Return of Deceased |
| Up to $5,000 transportation/preparation of remains to the country of origin • or up to $2,500 cremation/burial at the place of death |
| Accidental Death & Dismemberment |
| Up to $50,000 |
| Flight Accident |
| Up to $50,000 • aggregate accident limit applies per covered accident |
| Exposure & Disappearance |
| Covered if exposed to elements or body not found within 52 weeks from accident date, subject to evidence |
| Side-Trip Outside Canada |
| Maximum 30 days per visit outside Canada • minimum 51% of coverage period must be spent in Canada |
| Country of Origin Coverage |
| No coverage in country of origin |
| Temporary Return Home Rule |
| Coverage resumes upon return to Canada if eligibility maintained • no refund/reissue for days spent home • conditions treated or symptomatic during temporary return excluded afterward |
| Claims Contact Requirement |
| Contact MSH Assistance immediately before treatment • within 24 hours of hospitalization • before surgery • before diagnostic testing requiring approval |
| Emergency Assistance Numbers |
| Canada/USA Toll-Free: +1 (800) 203-8508 • Collect: +1 (416) 646-3107 • Email: mshassistance@mshassistance.com |
| Failure to Notify |
| Benefits limited to 80% of eligible expenses to maximum $25,000 if MSH Assistance not contacted before treatment except life-threatening emergencies |
| Claim Notice Deadline |
| Written notice within 30 days from date claim arises |
| Proof of Loss Deadline |
| Written proof within 90 days of services received • no later than 1 year where reasonably impossible earlier |
| Required Claim Documents |
| Completed claim form • original itemized medical bills • original prescription receipts • airfare tickets • passport/travel proof • side-trip proof if applicable • unused airline tickets if transportation benefit used • additional documents requested by MSH Assistance |
| Pre-Approval Requirement |
| Surgery • MRI • CAT scans • ultrasounds • sonograms • biopsies • cardiac procedures • follow-up visits • medical appliances • emergency transportation require approval where stated |
| Transfer / Repatriation Rights |
| Insurer may transfer insured to another facility or transport insured to Canada/country of origin during emergency • refusal after medically fit determination ends further coverage for that condition |
| Refund: 10-Day Review |
| Full refund before effective date within 10 days of purchase |
| Refund Eligibility |
| Partial refund for unused coverage after early return home or eligibility under government health insurance |
| Visa / Entry Permit Refund Rule |
| Super Visa denial requires official proof from Citizenship and Immigration Canada |
| Refund Deadline |
| Refund request within 60 days from return date, provincial eligibility date, or policy expiry |
| Refund Fees |
| Applicable administration fees may apply • minimum premium $20 |
| Refund Restriction |
| No refund if claim paid • reported • incurred • or pending |
| Monthly Payment Option |
| Available if selected |
| Monthly Payment Fees |
| Two months’ premium plus policy issue fee billed initially • remaining premiums billed monthly |
| Failed Monthly Payment |
| Coverage terminates if replacement payment not received before recalculated expiry date |
| Automatic Extension – Travel Delay |
| Up to 72 hours for common carrier delay beyond insured’s control |
| Automatic Extension – Medically Unfit |
| Up to 72 hours if medically unable to travel due to covered emergency |
| Automatic Extension – Hospitalization |
| Coverage extends during hospitalization and 72 hours after discharge if hospitalized on expiry date |
| Policy Extensions |
| Subject to eligibility review • no health changes • extension not guaranteed |
| Transit Coverage Extension |
| Coverage may begin upon departure from country of origin for uninterrupted travel to Canada if purchased before departure |
| Major Exclusions |
| Non-emergency treatment • chronic care • rehabilitation • investigative testing without approval • treatment after emergency ends • self-inflicted injury |
| High-Risk Activity Exclusions |
| Mountaineering • parachuting • hang gliding • skydiving • racing • professional sports • certain scuba diving |
| Pregnancy Exclusions |
| Routine prenatal care • pregnancy/childbirth complications within 9 weeks before or after expected delivery |
| Travel Advisory Exclusion |
| No coverage under Government of Canada “Avoid Non-Essential Travel” or “Avoid All Travel” advisories |
| Substance Use Exclusion |
| Alcohol/drug/intoxicant-related losses excluded |
| Mental Health Exclusion |
| Emotional/psychological/mental disorders excluded unless hospitalized |
| Fraud / Misrepresentation |
| Misrepresentation or concealment may void coverage |
| Coordination of Benefits |
| Secondary payor coverage only |
| Currency |
| Benefits payable in Canadian dollars |
| Specific Unique Features |
| Standard Plan includes ward accommodation • lower prescription limit than Enhanced • lower paramedical limit than Enhanced • lower dental limits than Enhanced • lower repatriation limit than Enhanced • Transportation to Bedside, Hospital Allowance, Meals & Accommodation, Childcare Benefit, Return/Escort of Children, and Excess Baggage Return are not included |
READ DESTINATION TRAVEL POLICY WORDINGS FOR MORE DETAILS
CONNECT WITH US ON WHATSAPP: 403-369-8722
Specific Conditions:
| Important Note | Details |
|---|---|
| Emergency Coverage Only | Coverage applies to unexpected medical emergencies only |
| MSH Assistance Requirement | MSH Assistance must be contacted before treatment or within 24 hours of hospitalization |
| Pre-Approval Required | MRI, CAT scans, surgery, air ambulance, and certain treatments require MSH approval |
| Medical Stability | Pre-existing conditions must remain stable during required stability period |
| Emergency Ends Rule | Coverage ends once medically stable to return home or discharged |
| Country of Origin | No coverage inside your country of origin |
| Side-Trip Limits | Minimum 51% of coverage period must be spent in Canada • Maximum 30 days outside Canada per visit |
| Medical Transfer | Refusing approved transfer or repatriation may end coverage |
| Medical Disclosure | Incorrect or incomplete medical information may affect coverage or claims |