Ingle Insurance Industrial Alliance is one of the industry's leading providers of travel insurance products with more than 20 years of experience covering travellers worldwide. Our Canadian travel insurance products offer:
To apply for coverage, you or someone on your behalf must complete and sign the Manulife Financial Visitors to Canada application for insurance form, not more than 365 days before the effective date of coverage, and return it to us with your payment of the required premium.
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- Emergency Medical Maximum Benefits: Emergency Medical Maximum Benefits coverage amounts are $15,000; $25,000; $50,000; $100,000 and $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.
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.
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.
Manulife Insurance will cover benefits 5 to 10 only if they have been authorized and arranged by the Assistance Centre.
Eligible covered expenses include:
OPTIONAL BENEFITS:
WHAT IS COVERED UNDER OPTIONAL TRIP INTERRUPTION INSURANCE?
EXCLUSIONS: Your coverage is subject to various exclusions, which are completely set out in the Exclusions section of the policy document. The following, although not an exhaustive list, are some of these exclusions:
You are not eligible for coverage under this policy if any of the following apply to you:
a) you are travelling against the advice of a physician;
b) you have been diagnosed with a terminal illness with less than 2 years to live;
c) you have a kidney condition requiring dialysis;
d) you have used home oxygen during the 12 months prior to the date of application;
e) you have been diagnosed with Alzheimer's disease or any other form of dementia;
f) you are under 30 days or over 85 years of age (over 69years of age for $150,000 Emergency Medical coverage);
g) you reside in a nursing home, home for the aged, other long term care facility or rehabilitation center; and/or
h) you require assistance with activities of daily living
To make a claim due to illness or injury during your trip, please Call : Toll Free 1-877-525-1278 ext 137 Canada
Your claim must be sent to Manulife within 90 days of your loss.
Ensure you keep a copy of your receipts, bills and invoices for your records.
If you disagree with the claim decision, the matter will be submitted to arbitration under the arbitration law in the Canadian province or territory where your policy was issued. Every action or proceeding against the insurer for the recovery of insurance money payable under this contract is absolutely barred unless commenced within the time set out in the Insurance Act, or other applicable legislation.
a) Visitors to Canada;
b) Canadians who are not eligible for benefits under a government health insurance plan;
c) Persons who are in Canada on a work visa or Parent and
Grandparent Super Visa; or
d) New immigrants who are awaiting Canadian government health insurance plan coverage.
LOWEST RATES - Super Visa Insurance - ONLINE QUOTES