Pankaj Bhatia

Manulife: Visitors to Canada OR Super Visa Insurance

Eligible For Super Visa, Visitors, New Immigrants, Foreign Workers, Returning Canadians and IEC/Working Holidays
Coverage Amounts $15,000 / $25,000 / $50,000 / $100,000 / $150,000 

Emergency Hospitalization

Up to sum insured

Emergency Home Return / Evacuation

Up to Sum insured

Emergency Medical Care

Up to Sum insured

Services of a Physician, Surgeon, etc.

Up to Sum insured

Ambulance Services / Transportation

Up to Sum insured

Prescription Medications

Up to Sum insured

Emergency Dental Repair

Up to $4,000

Dental Pain Relief

Up to $500

Emergency Services of Chiropractor, Chiropodist, Physiotherapist, Osteopath, or Podiatrist

Up to $500 per Category

Out-patient Treatment

Up to Sum insured

Stable Pre-existing Medical Conditions Coverage


Follow Up Treatment

Up to $3,000

Bedside Companion Accommodation / Transportation

Up to $300 / Up to $3,000

Meals and Accommodation / Hospital Allowance / Out-of-pocket Expenses

Up to $1,500 / $150 a day

Laboratory Diagnostics / X-Ray

Up to Sum insured

Private Duty Nurse / Medical Attendant

Up to Sum insured

Rental / Purchase of Medical Appliances

Up to Sum insured

Cremation / Burial

Up to $3,000

Repatriation of Remains

Up to $3,000

Accidental Death & Dismemberment

Up to $50,000

Double Dismemberment

Up to $50,000

Single Dismemberment

Up to $25,000

Maternity Benefits / Delivery Coverage


Pregnancy Complications Coverage

Up to Sum insured

Sports Injuries Coverage


Flight / Travel Accident

Up to Sum insured

Child Care / Escort Expenses

Up to $300 / Covered

Trip-Break Benefit


Side-Trips Benefit


Uninterrupted Flights Coverage (in & from Canada)


Return of a Vehicle


24-hour Emergency Assistance Center


Trip-Breaks Benefit:

Trips brakes are available for Visitors to Canada, who would like to visit their home country without breaking the insurance coverage provided by Manulife. Please note that Manulife does not cover medical care costs incurred in your country of origin. In order to be eligible for a Trip Break benefit you have to contact Manulife Assistance Center prior to visiting the country of permanent residence.

Side-Trips Benefit:

Side-trips benefits are also available for Visitors to Canada as Manulife covers medical care costs for emergencies all around the world, except for your country of origin and any other territory, where you are or can become eligible for a government health care plan. To qualify for and receive the Side-Trips benefits you MUST physically remain in Canada for more than 50% of time set during your policy period.

Policy :

Policy Wording represents a medical plan description, which provides you with a detailed information about the coverage, exclusions, limitations, premium refunds and more. Please read this policy carefully before you continue with the purchase. Manulife Visitors to Canada Policy wording

You are NOT eligible to receive medical emergency coverage from Manulife if:

– Age limit is not met. You are not yet 30 days or over 85 years old.
– Your physician advised you not to travel.
– You have been diagnosed with a terminal illness with less than 2 years to live.
– You have a kidney condition that requires dialysis.
– You have used home oxygen during the last 12 months (before the application date).
– You have been diagnosed with Alzheimer’s disease or any other form of dementia.
– You reside in a nursing home, home for the aged, other long-term care facility or rehabilitation centre.
– You require assistance with activities of daily living.

There are two medical emergency insurance plans available from Manulife Financial:

Plan A: excludes coverage for stable pre-existing medical conditions.
– Family coverage is only available for Plan A when all family members are under 60 years old.
Plan B: provides comprehensive coverage for pre-existing medical conditions that have been stable for the last 180 days prior to the effective date.

Waiting Period:</h4

–Waiting Period does not apply to any individuals, who have purchased their policies BEFORE arriving in Canada and adjusted the Effective Date to their actual arrival date in Canada.
–Waiting Period applies to any individuals, who purchase Manulife insurance policy after their arrival in Canada unless it is an interrupted continuation of insurance coverage with Manulife:
– The 48-hour period immediately following and including the effective date.

Making a Claim with Manulife:

If it happens to be a medical emergency, you or someone on your behalf MUST notify the insurance company prior to making a claim in order to have it covered.

Manulife Assistance Center is available 24 hours and 7 days a week.

– Toll-Free – 1.877.878.0142 (within USA and Canada)
– Collect – 1.519.251.5166 (worldwide)

In order to proceed with a claim you need to do the following:

– Complete a Claim Form that either sent to you or you were told where to get it by Assistance Centre Representative unless it is a Direct Billing, and attach all original medical receipts for treatment and prescription medication.
– Send the form with 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

<4>Premium Refunds:

Note that no refunds request are approved in case there are any claims initiated, pending or paid for with Visitors to Canada medical emergency insurance from Manulife Financial.

Request a Full Refund if:

– An insurance plan from Manulife is cancelled any time before the effective date.
– Super Visa is not granted. A satisfactory proof of Super Visa rejection from IRCC is required.

Request a Partial Refund if:

– Early Departure – return to your country of origin before the expiry date on your Manulife insurance policy. This particular refund is calculated from the day you have returned home.
– You become eligible for a Provincial medical insurance plan, while your Manulife policy is still active. Once you receive your government coverage, a partial refund will be calculated starting from its effective date.

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

Important Notice:

Please note that in case you have a Super Visa, for which you have purchased an insurance policy for the duration of 365 days, and are requesting a partial refund due to Early Departure from Canada and:
1) No claim has been reported, paid or denied,
– Unused insurance premiums can be refunded when you request a refund and provide a satisfactory proof of return to home country/departure from Canada such as a copy of a boarding pass.
2) Reported a claim 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 do not exceed the deductible amount on your insurance policy,
– You may apply to have such claim withdrawn and, subject to insurer’s approval, the unused premium may be refunded (less a processing fee of $300 per claim deducted from the refund amount).
3) The claim has been denied or paid,
– Premium refunds are not available.
Requests to cancel your policy must be received within 60 days following the date of your return home (along with proof of your departure from Canada). The insurer WILL NOT back-date a cancellation to a date more than 60 days prior to the date cancellation request was received.
If the cancellation request is received more than 30 days from the date you returned to the home country, the insurer will require a copy of every passport page (for each person insured) to verify that insured people did not visit Canada between the date of departure from Canada and the date cancellation request was received.

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