Manulife – Super Visa Insurance

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1PERSON AGE

2 PERSON AGE

COVERAGE (CAD)

START DATE

END DATE

Pre-existing 1 person

If you have a stable existing medical condition, such as a damaged or sick organ, select Yes. If you do not have an existing medical condition, select No. Conditions that are not stable are not covered. Also, some specific conditions, such as heart disease, may not be covered. Please read this company's full coverage details to determine what pre-existing conditions are covered by this company.

Yes No

Pre-existing 2 person

Yes No

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In order to calculate a personal insurance quote, simply select the number of applicants, their age(s) and indicate whether or not they have any pre-existing
medical conditions. To finalize your results, click on Calculate Quote after you choose desired policy duration and a coverage limit!

Summary of Benefits

Manulife – Super Visa Insurance

Parameter	Plan
Sum Insured	$100,000 / $150,000
Emergency Dental Repair	$4,000
Relief of Dental Pain	Up to $300
Expenses for Childcare	Up to $300
Out-of-pocket Expenses	$150 a day / $1,500 total
Medical Services of chiropractor, osteopath, etc.	$500 per category
Transportation of Bedside Companion	Up to $3,000
Accommodation of Bedside Companion	Up to $300
Services of a Private Duty Nurse	Up to sum insured
Follow Up Treatment Visits	Covered until a physician declares an end of emergency
Prescription Medications	Up to sum insured
Hospitalization Services	Up to sum insured
Emergency Medical Coverage	Up to sum insured
X-Ray & Laboratory Diagnostics	Up to sum insured
Ambulance Services	Up to sum insured
Accidental Death & Dismemberment	Up to $50,000
Repatriation of Remains	$3,000
Cremation	Up to $3,000
Emergency Home Return	Covered cost of an Economy Class ticket or Air Ambulance
Purchase or Rental of Medical Appliances	Up to sum insured
Burial	$6,000

Trip-Breaks Benefit:

With Super Visa Insurance form Manulife, you are eligible for Trip-breaks in case you decide to pay a short visit to your country of origin without cancelling your insurance coverage.

Please note that Manulife does NOT cover any costs incurred in your home country during the visit. In order to be eligible for a Trip-Break benefit you must contact Manulife Assistance Center or our Insurance Advisors prior to travelling.

Side-Trips Benefit:

Side-Trips benefit is available for Manulife’s Super Visa Insurance holders while they are travelling outside Canada.

Coverage excludes trips to home country or any other country, where they are eligible for the government-funded health insurance. Side-Trips benefit is designed to cover the costs for medical emergency treatment outside Canada.

To qualify for and receive the Side-Trips benefits your trip has to start and end in Canada as well as not exceed the lesser of either 30 days or 49% of your coverage period.

In case the length of your side-trip is greater than what permitted by Manulife, your coverage will be suspended for the remainder of your side-trip, but will not be terminated. Once you return to Canada, your coverage will automatically be reactivated.

Policy Wording:

Policy Wording is an official plan description document issued by the Manulife Financial. It outlines applicable limitations, policy conditions, covered benefits as well as claim and refund guidelines.

Click to view – Manulife | Policy Wording

Eligibility Requirements

Determine Your Eligibility

Manulife’s Super Visa Insurance is NOT AVAILABLE to anyone, in case:

— You are under 30 days old or over 85 years old.
— You have been advised not to travel by a physician.
— You have been diagnosed with a terminal illness with less than 24 months to live.
— You have a kidney condition that requires dialysis.
— At the application date, you have used or been prescribed home oxygen during the last 12 months.
— You have been diagnosed with any form of dementia including Alzheimer’s disease.
— You reside in a nursing home, home for the aged, other long term care facility or rehabilitation center.
— You require assistance with activities of daily living.

See a complete list of Eligibility Requirements in a Policy Wording.

Policy Wording

Waiting Period

Waiting period applies to insurance policies that are purchased after arriving in Canada or after the expiry date of an existing Super Visa insurance issued by Manulife. Waiting period will begin upon the Effective Date of your policy.

— 48-hour waiting period

Please note that waiting period will only apply to sickness-related medical emergencies. If you receive a physical injury during the waiting period, your treatment will still be covered under this policy.

Pre-existing Medical Conditions

When you apply for Manulife’s Super Visa Insurance, you have an option to include the coverage for stable pre-existing medical conditions. Please see details below:

• Plan A: DOES NOT include coverage for any pre-existing medical conditions.
– Family coverage is only available for Plan A, when all family members are under 60 years old.

• Plan B: includes coverage for pre-existing medical conditions that are stable for at least 180 days immediately prior to the effective date.

Exclusions: Plan B coverage is not available for any heart conditions if, during 180 days before the effective date, you required any form of nitroglycerine for the relief of angina pain; and/or any lung condition if, during 180 days before insurance begins, you required oxygen treatment or Prednisone for a lung condition.

Please be advised that you will need to complete a Medical Questionnaire at the time of application in order to confirm your eligibility for the pre-existing medical conditions coverage in case you are over 40 years old.

Making a Claim

How to Make a Claim with Manulife?

If you require immediate medical attention due to an emergency, you or someone on your behalf has to notify Manulife Emergency Assistance Center right away, if it is physically possible in order to have the expenses covered. If you do not contact the Assistance Center prior to receiving medical treatment, your otherwise payable insurance coverage will be reduced by 20%.

Manulife Assistance Center is available 24 / 7.

— Toll-Free – 1-877-878-0142 (USA and Canada)
— Collect – 1-519-251-5166 (Worldwide)

Please be advised that you should call within 24 hours of hospitalization. If it is physically impossible for you to contact the Assistance Center due to your medical emergency,
the 20% co-insurance will not apply.

Claim Submission

Please, follow the steps outlined below to proceed with submitting a claim:

— Fill out a Claim Form that is either sent to you or you were told where to get it by Assistance Centre Representative and attach all original receipts for treatment and prescription drugs.
— Send the completed Claim form and your receipts to the following address:

Manulife Financial Travel Insurance
c/o Active Care Management
P.O. Box 1237 Stn. A
Windsor, Ontario
N9A 6P8

See the Policy Wording for a complete set of guidelines on how to submit your claim.

Click to view – Manulife | Policy Wording.

How to get a Refund

Important Notice: NO premium refunds are issued in case you have made a claim with a Super Visa medical emergency insurance from Manulife Financial.

Policy Wording

Full Premium Refunds

You can request a full refund of paid insurance premium when:

— You request a cancellation of your Super Visa insurance plan before the effective date.
— Your Super Visa application is rejected. A satisfactory proof will be required i.e. official Visa Denial Letter from IRCC.

Important: If you are not satisfied with your policy, you can cancel it within 10 days of purchase for a full refund, provided that your policy has not started.

Partial Premium Refunds

You can request a partial refund of insurance premium you paid in case your insurance has already began and:

— You return to your home-country before your Manulife’s Super Visa insurance policy expires. Your refund will be calculated from the day you left Canada.
— You become eligible for and covered with any Government Health Insurance Plan during the coverage period of Manulife’s policy. This particular refund is calculated from the date your provincial insurance coverage starts.

Minimum premium refund amount is $25. Refunds that are less than the minimum amount will not be issued.

Important Notice: When you are requesting a partial refund due to leaving from Canada early and:

1) You have not reported, paid for or were denied a claim:
– Insurance premium for unused number of covered days can be refunded when you send your refund request and along with a satisfactory proof of return to home country such as a copy of a boarding pass.

2) You have reported or have a payable claim, for which the insurer has not issued a payment, or the total amount of all reported and eligible claim expenses does not exceed the deductible amount on your insurance policy,
– You may choose to apply to have such claim withdrawn and the unused premium may be refunded (minus a processing fee of $300 per claim deducted from the refund amount). Such refund is subject to Manulife’s prior approval.

3) You have a claim has been denied or paid,
– Premium refunds are not available.

In order to be eligible for a refund under the above conditions, your cancellation request has to be received within 60 days following the date of you return home country. Under no circumstances will Manulife back-date a cancellation to a date more than 60 days prior to the date cancellation request was received.

In case you send your cancellation request after 30 days following the date of your departure from Canada, Manulife will require a copy of every passport page for each person insured in order to verify that insured people did not visit Canada between the date of departure from Canada and the date cancellation request was received.

Please read the section on Premium Refunds in the Policy Wording – Manulife | Policy Wording

Manulife – Super Visa Insurance

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Summary of Benefits

Eligibility Requirements

Making a Claim

How to get a Refund

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