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Travel Shield Canada Insurance Plan



It is your responsibility to ensure that the Assistance Company has been contacted prior to receiving treatment.Your benefits will be limited to 80% of eligible expenses to a maximum of $25,000 if you fail to do so, other than in extreme circumstances when treatment is required to resolve a life threatening medical crisis.

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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-Hospital Accommodation Charges up to the semi-private room rate charged by the hospital. If medically necessary, expenses for treatment in an intensive care or coronary care unit are also covered.

Emergency Medical Benefits
Medical treatment by a legally licensed physician, surgeon, anaesthetist or registered graduate nurse (other than an immediate family member of the insured person).

Medical AppliancesWhen approved in advance by the Assistance Company, and prescribed by the attending physician:

  • Minor appliances such as crutches, casts, splints, canes, slings,trusses, braces, walkers; and/or
  • The temporary rental of a hospital-type bed, wheelchair, iron lung or other durable equipment for therapeutic treatment, not exceeding the purchase price

Emergency Air Transportation:

When approved and arranged in advance by the Assistance Company:

  1. Air ambulance to the nearest appropriate medical facility or to a Canadian hospital or to a hospital in your country of origin for immediate emergency medical treatment;
  2. Transport on a licensed airline with an attendant (when required) for your emergency return to your country of origin or your province or territory of residence in Canada for immediate medical attention;
  3. The fare for additional seats to accommodate a stretcher to return you to your country of origin or your province or territory of residence in Canada;
  4. Up to the cost of a one-way economy airfare to return you to your country of origin or your province or territory of residence in Canada.


This policy does not cover losses or expenses related in whole or in part, directly or indirectly, to any of the following:
a) Any sickness, injury or medical condition that existed or for which you experienced symptoms or received medical treatment prior to your effective date, other than any sickness, injury or medical condition.
b) Expenses related to a sickness or injury that would have caused an ordinarily prudent person to seek medical treatment, advice,diagnosis or care during the 90 day period immediately prior to the effective date.
c) Any sickness or injury which occurred prior to the effective date of your policy when coverage has been extended after your arrival in Canada.
d) Any medical treatment that is not emergency medical treatment for the immediate relief of acute pain and suffering, including any elective or cosmetic surgery or treatment.
e) Any costs incurred due to your travelling against the advice of a physician or any loss resulting from your sickness or medical condition that was diagnosed by a physician as a terminal illness prior to the effective date.
f) Any medical treatment which can reasonably be delayed until you return to your country of origin by the next available means of transportation, whether you intend to or not.
g) Any medical treatment of an ongoing condition, regular care of a chronic condition, home health care, investigative testing,rehabilitation, convalescent or ongoing care or medical treatment of an acute sickness and/or injury after the initial emergency has ended
h) Expenses incurred as a result of symptomatic or asymptomatic HIV infection or HIV-related conditions and AIDS (acquired immune deficiency syndrome), including any associated diagnostic tests or charges.


To be eligible for coverage, on the effective date, you must:
a) Be a visitor to Canada or a person in Canada under a valid work or student visa, a Canadian or an immigrant not eligible for benefits under a government health insurance plan; and
b) Be at least 15 days of age and no more than 90 years of age; and
c) Not be travelling against the advice of a physician and/or have not been diagnosed with a terminal illness or be experiencing new or undiagnosed symptoms and/or know of any reason to seek medical attention; and
d) Not require assistance with the activities of daily living (dressing, bathing, eating, using the toilet or getting in or out of a bed or chair).


The insured person is responsible for providing all the documents outlined below and for any charges levied for these documents.To file a claim, the insured person must submit:

a) a fully completed Claim Form (provided by the Assistance Company upon notification of claim);
b) All original itemized bills from the medical provider(s) stating the patient’s name, diagnosis, all dates and type of treatment, and the name of the medical facility and/or physician;
c) Original prescription drug receipts (not cash receipts) from the pharmacist, physician or hospital showing the name of the prescribing physician, prescription number, name of preparation, date, quantity and total cost;
d) A copy of your airfare ticket and passport confirming travel dates and entry into Canada. For side trips, proof of both departure from and return to Canada. The type of proof depends on whether you travelled via airline or car. (for example, copies of airline tickets,itinerary, boarding passes, gas receipts, hotel receipts, meal receipts, toll highway receipts, original duty-free shop receipts.)
e) Written proof of claim within 90 days of the date of receipt of services covered under this policy;
f) Additional information pertinent to the insured person’s claim, as may be required by the Assistance Company afterreceipt of the claim;
g) The unused portion of the insured person’s air ticket to the Assistance Company, if the Emergency Air Transportation benefit is used.

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.


Download Travel Shield pdf document

Super Visa Insurance Rates:


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