WHO CAN APPLY?
a) Visitors to Canada; b) Parents and Grand parents applying under Super Visa c) Persons who are in Canada on a work visa; or d) New immigrants who are awaiting Canadian government health insurance plan coverage; e) Canadians who are not eligible for benefits under a government health insurance plan;

Under Emergency Medical Insurance, you are covered for the actual eligible covered expenses related to the medical attention you need if a medical condition 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.
We will cover benefits 5 to 10 only if they have been authorized and arranged by the Assistance Centre.
Eligible covered expenses include:
1. Expenses to receive emergency medical attention – Reasonable and customary charges for medical care received from a physician in or out of a hospital, the cost of a hospital room (semi-private room when available or an intensive care unit when medically necessary); the services of a licensed private duty nurse while you are in hospital; the rental or purchase (whichever is less) of a hospital bed, wheelchair, brace, crutch or other medical appliance; tests that are needed to diagnose or find out more about your condition; and
drugs that are prescribed for you and are available only by prescription from a physician or dentist. Follow-up visits are covered until the attending physician or our medical advisors declare the end of the medical emergency.
2. Expenses for paramedical services – Care received from a licensed chiropractor, osteopath, chiropodist, physiotherapist or podiatrist, up to $300 per profession.
3. Expenses for ambulance transportation – Reasonable and customary charges for local licensed ground ambulance service to transport you to the nearest appropriate medical service provider in an emergency.
4. Expenses for emergency dental treatment – If you need dental treatment in an emergency, we will pay:• up to $300 for the relief of dental pain; or• if you suffer from an accidental blow to the mouth, up to $3,000 to repair or replace your natural or permanently attached artificial teeth.
5. Expenses related to your death – If you die during your trip from an emergency covered under this insurance, we will reimburse your estate for:• up to $3,000 to have your body prepared where you die and the cost of the container, plus the return home of your body (in the standard transportation container normally used by the airline); or• up to $3,000 to have your body prepared and the cost of a standard burial container, plus up to $3,000 for your burial where you die; or• up to $3,000 to cremate your body where you die, plus the return home of your ashes. In addition, if someone is legally required to identify your body and must travel to the place of your death, we will pay the return conomy class fare via the most cost-effective itinerary for that person, as well as up to $300 for that person’s hotel and meal expenses. We will also cover that person for up to 72 hours under the same Emergency Medical Insurance Plan purchased by you.
6. Expenses to bring you home – If your treating physician recommends that you return home because of your emergency or if our medical advisors recommend that you return home after your emergency treatment, we will pay for one or more of the following:• the extra cost of an economy class fare via the most cost-effective itinerary;• a stretcher fare on a commercial flight via the most cost-effective itinerary, if a stretcher is medically necessary;• the return economy class fare of a qualified medical attendant via the most cost-effective itinerary to accompany you, and the attendant’s reasonable fees and expenses, if this is medically necessary or required by the airline; or• the cost of air ambulance transportation, if it is medically necessary.
7. Extra expenses for meals, hotel, phone calls and taxi – If a medical emergency prevents you or your travel companion from returning home as originally planned, or if your emergency medical treatment or that of your travel companion requires your transfer to a location that is different from your original destination, we will reimburse you up to $150 per day to a maximum of $1,500 for your extra hotel, meals, essential calls and taxi fares. We will only pay for these expenses if you have actually paid for them.
8. Expenses to bring someone to your bedside – If you are travelling alone and are admitted to a hospital for 3 days or more because of a medical emergency, we will pay up to $3,000 for the return economy class airfare via the most cost-effective itinerary for someone to be with you. We will also pay up to $300 for that person’s hotel and meals and cover him/her under the same Emergency Medical Insurance Plan purchased by you, until you are medically fit to return home. If you are a child, this benefit is available immediately upon your hospital admission.
9. Expenses for childcare – If you are admitted to hospital, we will cover the expenses for an attendant to provide childcare services when such service is required. The attendant must be a person other than the child’s parent, member of the immediate family, your travel companion, or the person whose guest you are during the trip. We will reimburse you up to $100 per day to a maximum of $300 per trip. The child(ren) must have been under your care during your trip.
10. Expenses to return children under your care – If you are admitted to hospital for more than 24 hours or must return home because of an emergency, we will pay for the extra cost of the children’s economy class airfare home via the most cost-effective itinerary and the return economy class airfare via the most cost-effective itinerary for a qualified escort when the airline requires it. The children must have been under your care during your trip and covered under this policy.
11. Trip break – If you have requested and received prior approval from our Assistance Centre, you may return home to attend special events without terminating your coverage. Your coverage will be suspended but will not terminate after you leave Canada and while you are home. Your suspension of coverage will end and your coverage will be reinstated when you arrive in Canada. There will be no refund of premium for any of the days during your return home.

HOW TO MAKE A CLAIM
To make a claim due to illness or injury during your trip, please call the Assistance Centre at: 1 877 878-0142 Toll free from the USA and Canada. 1 519 251-5166
Collect to Canada from anywhere else in the world. Call prior to receiving medical treatment. If you do not contact the Assistance Centre before receiving medical treatment, you ill have to pay 25% of the medical expenses we would normally pay under this insurance. If it is medically impossible for you to call when the emergency happens, the 25% co-insurance will not apply. In this case, we ask that you call as soon as you can or that someone call on your behalf.
The Assistance Centre will verify and explain your coverage to you; refer you to a medical provider; arrange to have your covered expenses billed directly to us; and monitor your medical condition.
Please mail all original receipts, bills and invoices to:
Manulife Financial Travel Insurance
c/o Active Care Management
P.O. Box 1237 Stn. A
Windsor, Ontario N9A 6P8
Your claim must be sent to us within 90 days of your loss. Ensure you keep a copy of your receipts, bills and invoices for your records. To determine which documents are needed for each type of claim, refer to the insurance plan under which you are filing a claim.