Available Plans [32]

Visitors to Canada - Plan B

Plan B will cover your medical conditions that have been stable for the 180 days before the start of your coverage. (Stable means that you have not been hospitalized, referred for further testing or to a specialist, have not had any new or worsening of any condition, illness or injury, symptom, and any investigative testing, or any new or change in treatment or medication.)

Coverage amounts

$15,000, $25,000, $50,000 or $100,000 to age 85
$150,000 to age 69

Emergency medical benefits*

Health services

Emergency medical attention, including hospital and physician services
Paramedical services
Emergency dental treatment
Hospital allowance

Transportation

Ambulance
Emergency air transportation home
Visit to bedside if travelling alone
Return home of children
Preparation and return of remains

Additional protection

Extra meal, hotel and child care costs
Hospital allowance
Trip break without terminating coverage
Protection for side trips outside Canada

Travel accident insurance

$50,000 for a travel accident that results in the insured's death, blindness or double dismemberment within 365 days
$25,000 for a travel accident that results in the insured's blindness in one eye or single dismemberment within 356 days
Only one benefit payment (the largest applicable) per trip

Trip interruption insurance – optional add-on

Up to $1,500
Reimburses prepaid, non-refundable, non-transferable portion of a trip cancelled or interrupted by – for example:
Unexpected medical emergency or death of insured, insured's travel companion or an immediate family member
Travel host hospitalization or death

Pre-existing condition exclusion

"Pre-existing condition" is defined in the policy as a medical condition that exists before the effective date of insurance. We will not pay any expenses relating to:

A pre-existing condition that is not stable in the 180 days before the effective date of insurance
Any heart condition if, in the 180 days before the effective date, the applicant required any form of nitroglycerine for the relief of angina pain
Any lung condition if, in the 180 days before the effective date, the applicant required treatment with oxygen or prednisone for a lung condition

"Stable" means a medical condition for which:

There have not been any new symptoms
Existing symptoms have not become more frequent or severe
A physician has not found that the medical condition has become worse
No test findings have shown that the medical condition may be getting worse
A physician has not provided, prescribed, or recommended any new medication, any change in medication**
A physician has not provided, prescribed or recommended any investigative testing, new treatment or any change in treatment
There has been no hospitalization or referral to a specialist or specialty clinic
A physician has not advised referral to a specialty clinic or specialist for further testing, and there has been no testing for which the results have not yet been received

_{*Exclusions, limitations and conditions apply. See the policy for details.}

_{Exceptions include a change from a brand-name drug to an equivalent generic drug of the same dosage, and the routine adjustment of Coumadin, warfarin, insulin to control diabetes (as long as the medication is not newly prescribed or stopped).}

You are not eligible for coverage if you:

Are travelling against the advice of a physician
Have been diagnosed with a terminal illness with less than 2 years to live
Have a kidney condition requiring dialysis
Have used home oxygen within 12 months of your application date
Have been diagnosed with Alzheimer's or any other form of dementia
Live in a nursing home, home for the aged, other long-term care facility or rehabilitation centre
Require assistance with activities of daily living including eating, bathing, using the toilet, changing positions (including getting in and out of a bed or chair) and dressing

* Dependent children must be at least 30 days of age.

What's excluded?

Any pre-existing condition that was not stable within 180 days of the effective date
Any heart condition if you required any form of nitroglycerine for the relief of angina pain within 180 days of the effective date
Any lung condition if you required treatment with oxygen or Prednisone within 180 days of the effective date
If you get coverage after you arrive in Canada, there is a 48-hour waiting period except if you are accidentally injured or if you are extending an existing Visitors to Canada policy from Manulife

Pre-existing condition means a medical condition that exists before your effective date of insurance.

Medical condition means sickness, injury, disease, or symptom(s); complication of pregnancy within the first 31 weeks of pregnancy.

Stable medical condition means that all of the following apply:

There have not been any new symptom(s); and
Existing symptom(s) have not become more frequent or severe; and
A physician has not determined that the medical condition has become worse; and
No test findings have shown that the medical condition may be getting worse; and
A physician has not provided, prescribed or recommended any new medication, or any change in medication; and
A physician has not provided, prescribed or recommended any investigative testing, new treatment or any change in treatment; and
There has been no admission to a hospital or referral to a specialty clinic or specialist; and
A physician has not advised referral to a specialist or further testing, and there has been no testing for which the results have not yet been received.

Change in medication means the medication dosage, frequency, or type has been reduced, increased, or stopped, and/or new medication has been prescribed. The following is not considered a change in medication:

a change from a brand-name drug to an equivalent generic drug of the same dosage;
a routine adjustment in the dosage of your medication, as a result of your blood levels only, if you are taking Coumadin (warfarin) or insulin and are required to have your blood levels tested on a regular basis, and your medical condition remains unchanged.

Other conditions, limitations and exclusions apply.

Please see the policy for details.

Policy wordings

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