MANULIFE

Students Insurance 

Administrated by: The Manufactures Life Insurance Company (Manulife Financial).
Underwritten by: The Manufactures Life Insurance Company (Manulife Financial).
24 hours Assistance Center: Active Care Management

IMPORTANT NOTE: The product-related information on this website is for illustration purposes only. For complete benefits, terms, conditions, limitations and exclusions, please see the policy booklet at the download section below. Please read and understand your policy before you travel.

BENEFITS:
- Emergency Medical maximum benefit: $2,000,000
- Hospital expenses (semi-private room) limited to 60 days per injury or sickness (30 days per policy for psychiatric treatment).
- Physician services in or out of hospital and up to 5 follow-up visits. 
- Diagnostic services - tests that are required as a result of an emergency. Prior approval is required for all major diagnostic testing including but not limited to MRI, CAT scan, sonograms, ultrasounds and biopsies. *
- Private duty nursing services up to $10,000.
- Ambulance services up to $5,000 for a ground or air ambulance to the nearest hospital.
- Prescription drugs up to 30-day supply.
- Professional medical services - treatment received from a licensed chiropodist, podiatrist, physiotherapist, chiropractor, or osteopath, up to $70 per visit to a maximum of $700 for a covered injury.
- Medical appliances – purchase or rental (whichever is less) of a hospital bed, wheelchairs, crutches, canes, splints, slings, trusses, braces or other prosthetic appliance. *
- Emergency evacuation – up to maximum of $100,000 for air ambulance, a stretcher or economy class airfare to transport you home as a result of a covered emergency; plus, the cost for an attendant, if medically necessary. *
- Accidental dental: up to $2,500 for emergency dental treatment as a result of an accidental blow to the mouth.
- Emergency dental: up to $100 for a pain relief, and up to $250 per tooth to extract impacted wisdom teeth. (this benefit excludes crowns and root canals).
- Psychiatric care - up to $5,000 for services of a legally qualified psychiatrist while you are an in-patient following an emergency, plus up to five (5) follow-up visits.
- Trauma counselling – up to 6 sessions for a covered emergency.
- Family Transportation and subsistence allowance - up to $3,000 for transportation of a family member to be with you, and up to $150 per day (maximum $1,500) for meals and accommodation in the event of your hospitalization for at least 7 days. *
- Tuition reimbursement – up to $5,000 per semester for tuition fee paid, if you have an emergency which prevents you from attending school and, as a result, you are unable to obtain passing grades for the semester, as confirmed by your physician and registrar of the school you are attending.
- Repatriation of mortal remains - up to $25,000 to have your body prepared for burial or cremated and your burial where you die, or the cost to return your body or ashes home. *
- Trip break - during the period of coverage you may return home to attend special events for up to 21 consecutive days without terminating your policy (you have to request and receive prior approval from the Assistance Centre). *
- Medical concierge service by StandbyMD– 24/7/365 medical teleconsultation service (telephone/chat/video conference access to a qualified physician who can assess your symptoms and provide treatment options); A network of physicians, clinics or ERs located close to the patient (in 141 countries and over 4,500 cities). StandbyMD uses a worldwide network of providers that offer high-quality care at preferred rates and direct billing solutions, minimizing the likelihood of paying out-of-pocket (subject to the terms and conditions of the policy). To access this service, simply call the Assistance Centre.

Non Emergency Treatment:
- Annual medical examination - up to $100 per year to a physician for an exam and tests and for one consultation session.
- Eye Examination- one visit to optometrist per year.
- Accidental Death or Dismemberment insurance – up to $10,000
- Terrorism Coverage – up to $35,000,000 for emergency medical benefits in excess to all other potential sources of recovery.

* These benefits must be approved and/or arranged in advance by the Assistance Centre.

ELIGIBILITY:
To be eligible for insurance under this policy, you must be:
• under the age of 45; and
   ° a full-time student with proof of admission or enrolment in a recognized institute of learning; or
   ° a student completing post-doctoral research in a recognized institute of learning; or
   ° dependant(s) and/or the spouse of and living with a student covered under this insurance, and named on the application; and
• purchasing coverage
   ° as an outbound student, when your home country is Canada, and you are covered under a government health insurance plan while temporarily residing outside Canada, or
  ° as a national student, when your home country is Canada, and you are covered under a government health insurance plan while you are temporarily residing in another Canadian province or territory.
- For Canadians, it is your responsibility to ensure continued coverage, where available, under the government health insurance plan of the province/territory where you permanently reside. Your coverage under this insurance will end the date you are no longer covered by a government health insurance plan.
- If you stay in your destination between semesters, you can re-apply for coverage as long as you have proof of enrolment in the following semester.

YOU ARE NOT ELIGIBLE FOR ANY COVERAGE UNDER THIS POLICY IF YOUR TRIP IS BOOKED OR UNDERTAKEN:
• contrary to medical advice;
• while you require kidney dialysis;
• if you have used home oxygen at any time during the twelve (12) months prior to the date of application; and/or
• you have been diagnosed with a terminal illness with less than two (2) years to live
YOUR COVERAGE ENDS 60 days after the date your enrolment as a student at a recognized educational institute terminates, unless you are in the U.S.A. holding a valid F1 visa. 

PRE-EXISTING CONDITIONS: Manulife will not pay any expenses or benefits relating to a pre-existing condition which has not remained STABLE in the three (3) months before your effective date.
Stable: A medical condition is considered stable when all of the following statements are true:
     1. there has not been any new treatment prescribed or recommended, or change(s) to existing treatment (including a stoppage in treatment), and
     2. there has not been any change in medication, or any recommendation or starting of a new prescription drug, and
     3. the medical condition has not become worse, and
     4. there has not been any new, more frequent or more severe symptoms, and
     5. there has been no hospitalization or referral to a specialist, and
     6. there have not been any tests, investigation or treatment recommended, but not yet complete, nor any outstanding test results, and
     7. there is no planned or pending treatment.
All of the above conditions must be met for a medical condition to be considered stable.
Change in medication means the medication dosage, frequency or type has been reduced, increased, stopped and/ or new medication(s) has/have been prescribed. Exceptions: the routine adjustment of Coumadin, warfarin or insulin (as long as they are not newly prescribed or stopped) and there has been no change in your medical condition; and, a change from a brand name medication to a generic brand medication of the same dosage. 

WAITING PERIOD will apply if you purchase this coverage after your arrival at your destination.
Waiting period means the 48-hour period following your effective date of insurance if you purchased this policy after the expiry date of your existing Manulife policy or after you leave home. Any claim due to sickness arising during a waiting period is not covered.

EXTENSIONS:
If you already have coverage, simply call the broker from whom you purchased this coverage. You may be able to extend your coverage as long as:
1. your period of coverage does not extend beyond 365 days;
2. you remain eligible for insurance under this plan;
3. we have received the extension request prior to the expiry date of your existing policy issued by us; and
4. there has been no change between single or family coverage.
NOTE: For policy extensions, no losses or expenses or benefits will be paid for any sickness or injury which first appeared, whether diagnosed or not, or for which treatment may or may not have been received prior to the effective date of the extension of coverage under this policy.

REFUNDS:
Full refunds must be requested in writing to us before coverage commences.
Partial refunds must be requested in writing to us before coverage expires. The refund (minimum premium of $50) is calculated from the postmark date of your request, provided there has been no incident which has resulted or will result in a claim during your trip, and provided that you mail your written refund request within five (5) days of your return home.

 CLAIMS:
IN THE EVENT OF AN EMERGENCY, YOU MUST CALL THE ASSISTANCE CENTRE IMMEDIATELY: 1-877-331-3134 toll free from Canada or the U.S., or +1-519-251-7401 collect call from anywhere else. If you do not contact the Assistance Centre before receiving medical treatment, you will have to pay 20% of the medical expenses Manulife would normally pay under this insurance. If it is medically impossible for you to call, we ask that you call as soon as you can or that someone calls on your behalf. Do not assume that someone will contact the Assistance Centre for you. It is your responsibility to verify that this has been done.
Immediate access to the Assistance Centre is also available through its TravelAid mobile app. To download the app, visit: http://Active-Care.ca/TravelAid.
Your claim must be reported within 30 days and sent to Manulife within 90 days of your loss.
The Assistance Centre will furnish forms for proof of claim within 15 days after receiving notice of claim. You may call the Claims Centre directly for specific information on how to make a claim or to enquire about your claim status at: 1-877-331-3230 or 1-519-251-7402.
Please, mail all original receipt, bills, invoices (make your own copy), proof of travel (including departure and return dates) and proof of enrolment in a recognized institute of learning to:
Manulife Financial Travel Insurance for Students
c/o Active Care Management
P.O. Box 1237 STN A
Windsor, ON, N9A 6P8
For Online Claim Submission visit manulife.acmtravel.ca

EXCLUSIONS:
Manulife will not pay any expenses or benefits relating directly or indirectly to:
1. a) A pre-existing condition that was not stable in the three (3) months before your effective date.
   b) Any pre-existing condition of a covered dependant or spouse that was not stable in the three (3) months before the date the dependant or spouse became covered under this policy.
2. For covered dependants under two (2) years of age, any medical condition related to a birth defect whether genetic, acquired, or congenital.
3. Chemotherapy treatment unless approved by the Assistance Centre.
4. Any expense if you are either on an outbound trip or a national student, without a valid government health insurance plan.
5. Covered expenses that exceed 80% of the cost Manulife would normally have to pay under this insurance, if you or someone on your behalf does not contact the Assistance Centre at the time of the emergency, unless your medical condition makes it impossible for you to call (in which case, the 20% co-insurance does not apply).
6. Injuries or death sustained while you are enlisted in the regular force of the armed forces of any country, or participating in any maneuver or training exercises of the armed forces of any country.
7. Elective, non-emergency or experimental medical treatment, including any treatment given to maintain the stability of a chronic medical condition, including the refill of medication, test or examinations forming part of a normal regime, or treatment not required for the immediate relief of pain and suffering except those identified as Wellness Benefits in this policy.
8. Magnetic resonance imaging (MRIs), computerized axial tomography (CAT) scans, sonograms, ultrasounds or biopsies, cardiac catheterization, angioplasty and/or cardiovascular surgery including any associated diagnostic test(s) or charges unless approved in advance by the Assistance Centre prior to being performed. All surgery must be authorized by the Assistance Centre prior to being performed except in extreme circumstances where surgery is performed on an emergency basis immediately upon admission to hospital.
9. Continuing treatment after the Assistance Centre has requested that you return home.
10. Medication commonly available without a prescription, fertility drugs or testing, contraceptives, pregnancy tests, drugs for treatment of erectile dysfunction, vaccinations or injections, vitamin preparations or medication received on a preventive basis, acne medications, baldness remedies, nicotine resin products, dietary supplements or weight loss products and/or the replacement of existing prescriptions, whether replacement was for reason of loss, renewal or inadequate supply.
11. Any emergency medical and non-emergency medical services for any injury that occurred or sickness that started in your home country during a Trip Break Benefit.
12. Not applicable for outbound and national students.
13. Not applicable for outbound and national students.
14. Pregnancy, voluntary termination of pregnancy, childbirth or their complications. Newborns can become fully covered at 30 days of age if an application is completed and submitted to and approved in writing by us and you have purchased and paid the premium for family coverage.  
15. Dental surgery, cosmetic or plastic surgery unless such surgery is an emergency and necessary as a result of an injury incurred while this policy is in force.
16. Any dental crowns or root canals except as specified under Accidental dental benefit.
17. Any medical condition, including symptoms of withdrawal, arising from, or in any way related to, your chronic use of alcohol, drugs or other intoxicants whether prior to or during your trip.
• Any medical condition arising during your trip from, or in any way related to, the abuse of alcohol, drugs or other intoxicants.
18. Self-inflicted injuries, unless medical evidence establishes that the injuries are related to a mental health illness.  
19. Any minor mental or emotional disorder. Minor mental or emotional disorder means having anxiety or panic attacks, or being in an emotional state or in a stressful situation. A minor mental or emotional disorder is one where your treatment includes only minor tranquilizers or minor anti-anxiety (anxiolytics) medication or no prescribed medication at all.
20. Any eating disorder or weight problem.
21. Any loss as a result of asymptomatic or symptomatic HIV infection, Acquired Immune Deficiency Syndrome (AIDS), AIDS related Conditions (ARC) or the presence of HIV, including any associated diagnostic tests or changes.
22. An emergency that occurs while you are participating in:
• any sporting activity for which you are paid, including snorkeling or scuba diving.
• any extreme sport or activity involving a high level of risk, such as those indicated below, but not limited to:
- mountain climbing requiring the use of specialized equipment, including carabineers, crampons, pick axes, anchors, bolts and lead rope or top- rope anchoring equipment to ascend or descent a mountain;
- rock-climbing;
- parachuting;
- skydiving;
- hang-gliding or using any other air-supported sporting device;
- participating in a motorized speed contest; 
23. Treatment or services that contravene any government, hospital or medical care insurance legislation in Canada if you are inbound or a national student.
24. Piloting or learning to pilot, or acting as a crew member of any type of aircraft; or travelling as a passenger on any non-commercial flight; operating any form of motorized transport on land or water without a valid operator’s licence.
25. Any services or supplies provided by you, or a member of your immediate family.
26. A medical condition:
   • when you knew, or for which it was reasonable to expect, before you left your home, or before the effective date of coverage, that you would need or be required to seek treatment for that medical condition; and/or
   • when the purpose of your trip was to seek medical treatment for that medical condition; and/or
   • that had caused your physician to advise you not to travel; and/or
   • related to a prior elective or non-emergent medical condition except as specifically stated as a benefit in this policy; and/or
   • when you did not comply or you failed to carry out a physician's instructions or you were negligent.
27. Any expense that is not for an emergency, except as identified as Wellness Benefits in this policy; and any benefit that must be authorized or arranged in advance by the Assistance Centre when it has given no authorization or made no arrangement for that benefit.
28. Costs that exceed the reasonable and customary charges.
29. Medical examinations and tests required for immigration purposes or by a third party; and/or consultation with a physician by telephone or e-mail.
30. Loss or damage to repair, extract, replace or purchase hearing devices, eyeglasses, sunglasses, contact lenses, or prosthetic limbs or devices, or artificial teeth and resulting prescriptions thereof.
31. Any claim that results from or is related to your commission or attempted commission of a criminal offence or illegal act.
32. Renal dialysis or organ transplantation of any nature.
33. Rehabilitation and convalescent facilities and services; or holidays for recuperative purposes.
34. Any interest, finance, administrative or late payment charge.
35. If you are Canadian, any act of terrorism or any medical condition you suffer or contract when an official travel advisory issued by the Canadian government states, "Avoid all travel" regarding the country, region or city of your destination, before you left Canada.
To view the travel advisories, visit the Government of Canada Travel site.
This exclusion does not apply to claims for an emergency or a medical condition unrelated to the travel advisory.
36. If you are Canadian, any act of terrorism directly or indirectly caused by, resulting from, arising out of or that is in connection with biological, chemical, nuclear or radioactive means.
37. For inbound insured, an act of terrorism.
38. An act of war.
39. For policy extensions only, any medical condition which first appeared, whether diagnosed or not, or for which treatment may or may not have been received prior to the effective date of the extension of coverage under this policy.
40. If you are inbound, any follow-up visits outside of Canada when the emergency occurred in Canada.
41. Any claim for a sickness sustained during the waiting period.

 RATES:

- Family Rate (Age 0-44) is $5.40 per day. 

FAMILY COVERAGE is available to you, your spouse and dependent child(ren) who are travelling with you, who are listed on your application, and who are under age 45 if you have applied and paid for family coverage.
Dependant means your unmarried child living with you who is at least 30 days of age and under twenty-one (21) years of age and who is dependent upon you for at least fifty percent (50%) of his/her maintenance and support, and who is residing with you on your trip.

IMPORTANT NOTE: The product-related information on this website is for illustration purposes only. For complete benefits, terms, conditions, limitations and exclusions, please see the policy booklet at the download section below. Please read and understand your policy before you travel.

DOWNLOADS:

Manulife Students Insurance POLICY PDF

Manulife Students Outbound Application Form - DocuSign (fillable)

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Manulife supports THiA Bill of Rights. For more information, go to www.thiaonline.com/Travel_Insurance_Bill_of_Rights_and_Responsibilities.html