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:

ELIGIBILITY:

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

Claims:

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.

Who Can Apply?

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.

Super Visa Insurance Rates:

LOWEST RATES - Super Visa Insurance - ONLINE QUOTES