– Emergency Medical maximum benefits: $15,000; $25,000; $50,000; $100,000 and $150,000.
– Emergency hospital: semi-private room or intensive care unit when medically necessary.
– Ambulance Transportation: the use of a licensed local ambulance service.
– Emergency Air Transportation: the cost for one-way economy airfare, stretcher or air ambulance to transport you to your country of origin, and a medical attendant if required. *
– Diagnostics: tests that are needed to diagnose or find out more about your condition. **
– Physician services.
– Private duty registered nurse while you are in hospital.
– Medical Appliances – the rental or purchase (whichever is less) of a hospital bed, wheelchair, brace, crutch, or other medical appliance.
– Follow-up visits are covered until the attending physician or Manulife medical advisors declare the end of the medical emergency.
– Professional Medical Services referred by a physician – 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.
– Telemedicine service by Maple – 24/7 days medical consultation service that connects you within minutes to a Canadian licensed primary care physician to get an assessment, diagnosis and prescription as needed. Currently Maple is available in ON, BC, NS, MB, NL, AB, PEI, NB, QC, NU and YT. Call the Assistance Center and ask for Maple service.
– Prescription drugs
– Accidental Dental: Up to $4,000 for repair or replacement of your natural or permanently attached artificial teeth damaged by an accidental blow to the mouth.
– Dental Emergencies: Up to $300 for the relief of dental pain.
– Expenses related to death from covered medical condition – up to $3,000 for container and to prepare or cremate the body, plus the expenses to return the body or ashes to the country of origin, or up to $3,000 for burial at place of death.*
– Travel Accident Insurance – up to $50,000 for accidental death or dismemberment.
– Meals and Accommodation – up to $150 per day to a maximum of $1,500 for hotel, meals, essential calls and taxi fares, if a medical emergency prevents you or your travel companion from returning home as originally planned.*
– Expenses to bring someone to your bedside – up to $3,000 for airfare and up to $500 for hotel and meals for someone to be with you, if traveling alone and admitted to a hospital for 5 days or more. *
– Expenses to return your travel companion – if you are repatriated or evacuated (returned home due to sickness or death), Manulife will cover the cost of one-way economy class airfare, to return home your travel companion (one person who is travelling with you and insured under Manulife travel insurance plan). *
– Childcare expenses – up to $100 per day to a maximum of $300 per trip, if you are admitted to hospital. *
– Expenses to return of children under your care, if you are admitted to hospital for more than 24 hours. *
– Hospital Allowance – up to $100 for each 24-hour period to a maximum of $300 for telephone and television out-of-pocket expenses, if you are hospitalized for more than 72 hours.
– Trip break for temporary visit back to your country of origin are available when approved by Manulife.
– Flight to/from Canada coverage: When coverage is purchased prior to leaving home with an effective date equal to the date and time you are scheduled to arrive in Canada, coverage will also be provided with no additional premium during your uninterrupted flight directly to Canada. An uninterrupted flight can include a stop-over provided you do not leave the airport. When the expiry date equals to the date and time you are scheduled to leave Canada, coverage will also be provided with no additional premium during your uninterrupted flight from Canada directly home.
* These benefits must be authorized and arranged by the Assistance Centre.
** Magnetic resonance imaging (MRIs), computerized axial tomography (CAT) scans, sonograms, ultrasounds or biopsies, cardiac catheterization, angioplasty and/or cardiovascular surgery including any associated diagnostic test(s) or charges must be approved in advance by the Assistance Centre prior to being performed. All surgery must be authorized by the Assistance Centre prior to being performed except in extreme circumstances where surgery is performed on an emergency basis immediately upon admission to hospital.
OPTIONAL BENEFIT:
– Trip interruption – up to $1,500 for single coverage or $5,000 for family if your trip is interrupted due to a covered event.
What is covered under optional Trip Interruption Insurance?
Trip Interruption Insurance is an optional plan that provides coverage for an individual trip. If your trip is interrupted due to a covered event that occurs under this insurance, Manulife will pay up to a maximum of $1,500 for single coverage, or $5,000 for family coverage for:
1. a) the prepaid portion of your trip that is non-refundable and non-transferable to another travel date, except prepaid unused transportation home; or
b) your additional and unplanned hotel and meal expenses, your essential phone calls and taxi fares to a maximum of up to $300 per day for up to 2 days when no earlier transportation arrangements are available; and/or
c) your one-way economy class airfare via the most cost-effective itinerary to return you home.
2. Events covered after you arrive in Canada from home include:
a) your or your travel companion’s emergency medical condition or death;
b) your or your travel companion’s immediate family member’s emergency medical condition or death;
c) emergency hospitalization or death of the person whose guest you are during your trip.
A medical condition related to a covered event, if the medical condition was not stable in the 3 months before the effective date of insurance.
