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– You may choose to apply to have such claim withdrawn and the unused premium may be refunded (minus a processing fee of $300 per claim deducted from the refund amount).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