Emergency Medical Maximum Benefits

Emergency Medical Maximum Benefits for Visitors less than 85 years of age are eligible to apply for coverage in amounts of $15,000, $25,000, $50,000 or $100,000.

Emergency Medical Maximum Benefits for Visitors who are less than 70 years of age are eligible to apply for coverage of $150,000.Choose Your Plan When Applying for coverage from Plan A or Plan B.

Plan A – no benefits are payable for a pre-existing condition that existed before your effective date of insurance. Single-Trip Emergency Medical Plan A can be used to top up Multi-Trip Emergency.

Plan B – Applicants 35 years of age or over must complete the medical questionnaire. Under Plan B, no benefits are payable for a pre-existing condition that is not stable within 180 days of the effective date. Single-Trip Emergency Medical Plan B can be used to top-up Multi-Trip Emergency Medical Plan B. Top-ups can be purchased for maximum trip duration of 365 days.

Super Visa insurance for Visitors to Canada offers travellers both Single-Trip and Multi-Trip plans to choose from, so they only pay for the coverage they want and need. Emergency Medical Top-Up, Trip Interruption and Trip Accident coverage is also available.

Emergency Medical Benefits

Under Manulife Emergency Medical Insurance, you are covered for the actual eligible covered expenses related to the medical attention you need if a medical emergency begins unexpectedly after your effective date of insurance and when these expenses are not covered by any other benefit plan. The maximum amount payable is based on the plan you have purchased. Medical attention must be required as part of your emergency treatment and ordered by a physician (or a dentist in the case of dental treatment). Covered expenses and benefits are subject to the policy’s exclusions and limitations.

Eligible covered expenses include Comprehensive protection such as:

  • coverage for physician services
  • Ambulance services
  • Semi-private hospital accommodation
  • Prescription drugs
  • Diagnostic tests
  • Treatment required by registered specialists and therapists such as chiropractors and physiotherapists
  • Emergency dental treatment
  • Childcare expenses in the event a traveler is hospitalized, and much more.

Optional Benefits:
Emergency Medical Top-Up Plans: Top-Up coverage must be purchased prior to departure and is subject to an extra premium charge.

Trip Interruption and Trip Accident Coverage:

  1. 1. 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, we will pay up to a maximum of $1,500 for single coverage, or $5,000 for family coverage.
  2. 2. Events covered after you arrive in Canada from home include:
  3. a) your or your travel companion’s medical condition or death;
    b) your or your travel companion’s immediate family member’s medical condition or death;
    c) emergency hospitalization or death of the person whose guest you are during your trip.