 Benefits |
| Trip Cancellation |
Up to the covered amount purchased. |
| Trip Interruption |
Unlimited covered amount after departure with a $1,000 missed connection benefit
|
| Emergency Medical |
Up to $5,000,000 CDN includes 24 hours a day, 365 days a
year, multilingual Manulife Global Assistance Services.
You will be provided a toll-free number to use from
anywhere if you need emergency medical assistance.
|
| Baggage Loss, Delay or Damage |
Up to $1,000 Baggage coverage per trip if your personal effects get damaged or lost.
Up to $500 Baggage delay coverage per trip if your personal effects don't
arrive within 10 hours of landing at destination.
|
| Flight Accident |
Up to $100,000 per trip. |
| Travel Accident |
Up to $50,000 per trip. |
Pre-existing Conditions:
When reading this section, please take the time to
review the definitions of
“pre-existing condition” and
“stable” on the
definitions page. |
| Trip Cancellation |
If the Trip Cancellation covered amount purchased is less than $12,000,
we will not cover any expenses for any medical condition related to you,
your spouse, or your children, if that medical condition was not stable in
the 3 months before you purchased this insurance.
In addition to the “stable” requirement, we will
not cover any expenses relating to:
- your/their heart condition if, in the 3 months before you/they
purchased this insurance, it has not been stable or you/they have taken
any form of Nitroglycerine for the relief of angina pain; and/or
- your/their lung condition if, in the 3 months before you/they
purchased this insurance, it has not been stable or you/they required
treatment with Oxygen or Prednisone for your/their lung condition.
If the Trip Cancellation covered amount purchased is $12,000 or more, we
will not cover any expenses for a medical condition related to you, a
member of your immediate family, your travel companion, your key-person, or
the person whose guest you are during your trip, if that medical condition
was not stable in the 12 months before you purchased this insurance.
In addition to the “stable” requirement, we will not cover
any expenses relating to:
- your/their heart condition if, in the 12 months before your/their
purchase date, it has not been stable or you/they have taken any form of
Nitroglycerine for the relief of angina pain; and/or
- your/their lung condition if, in the 12 months before your/their
purchase date, it has not been stable or you/they required treatment with
Oxygen or Prednisone for your/their lung condition.
In addition, you must not know, nor be aware of any reason, circumstance,
event or medical condition affecting you or anyone which may eventually
prevent you from starting and/or completing your covered trip as booked
when you purchase this insurance coverage.
Additional exclusions and restrictions may apply; please consult the
policy booklet for full details.
|
| Medical |
We will not pay any expenses relating to a
pre-existing condition that was not stable in the:
| Under Age 75: |
3 months before you leave home. |
| Age 75 or over: |
12 months before you leave home. |
In addition to that requirement, we will not cover
any expenses relating to:
- your heart condition if, within the required period of being stable,
it has not been stable or you have taken any form of Nitroglycerine for
the relief of angina pain; and/or
- your lung condition if, within the required period of being stable,
it has not been stable or you required treatment with Oxygen or
Prednisone for your lung condition.
Additional exclusions and restrictions may apply; please consult the
policy booklet for full details.
|
Eligibility
You must be a resident of Canada and covered under a
government health insurance plan.
You must also meet all of the following Eligibility
Requirements if you are age 75 or older:
- You are not travelling against the advice of a physician;
- You do not require kidney dialysis;
- You have never had a bone marrow and/or organ transplant
(excluding corneal transplant);
- You have not had a heart bypass and/or heart valve surgery before
1999;
- In the last 5 years, you have not been diagnosed with and/or
had treatment for metastatic cancer;
- In the last 6 months, you have not received chemotherapy
and/or radiotherapy and/or other treatment, other than routine follow-up,
for cancer (except basal cell and squamous cell skin cancer, and breast
cancer treated only with hormonal therapy);
- In the last 12 months, you have not been prescribed or taken
Prednisone or oxygen, or been hospitalized (as an in-patient or seen in
the emergency department) for a lung condition;
-
In the last 2 years, you have not:
- Been prescribed or taken Lasix or Furosemide for any reason
and/or
- Had congestive heart failure;
- In the last 12 months, you have not been hospitalized (as an
in-patient or seen in the emergency department) for a heart
condition;
- In the last 4 months, you have not been prescribed or taken
6 or more prescription medications. Do not count the
following medications: hormone replacement therapy (thyroid or
menopausal); drugs used for osteoporosis, or traveller’s diarrhea;
or any form of immunization. Do not count topical medications that
go in your ears or eyes or on your scalp or skin except: any form
of nitroglycerine or any drug(s) for angina;
-
In the last 3 years, you have not been diagnosed with and/or had
treatment for and/or been hospitalized (as an in-patient or seen in the
emergency department) and/or been prescribed or taken medication for
any 2 of the following (if you only have 1 of the following
conditions, answer NO to this statement):
- Heart condition
- Lung condition (medication includes any
puffer(s)/inhaler(s))
- Diabetes (treated with medication and/or insulin)
- Stroke/CVA (cerebrovascular accident) or mini-stroke/TIA
(transient ischemic attack)(including use of aspirin/Entrophen for
this condition)
- Peripheral vascular disease (blocked or narrowed arteries).
IF YOU ANSWERED YES TO ANY OF THE ABOVE STATEMENTS, YOU ARE
NOT ELIGIBLE TO PURCHASE THIS INSURANCE.
|
All-Inclusive Travel Plan
Full Policy