This guide is a quick and easy reference tool to help you understand the coverage provided by Manulife Financial Travel Insurance. This guide is not an insurance policy. Call the Toll Free: 1-800-661-9156 ask for Robert Lemieux . We encourage you to call us if you have additional travel insurance questions.

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* Up to age 79 for Visitors to Canada Plan 50
** Family Coverage and Travel Companion discounts cannot be combined
*** The Travel Canada Plan is offered at 50% off the regular Single-Trip Emergency Medical Plan rates

Coverage Amounts at a Glance

Please note: For all plans, if the covered expense results from an act of terrorism, all benefit maximums shown may be reduced subject to the Terrorism Coverage provision in the policy.

Product Overview

Emergency Medical Benefits

• Up to $5 million in emergency medical coverage*
• Coverage for professional medical services due to covered risk, up to $300
• Ambulance transportation
• Emergency dental treatment
• Expenses related to death
• Return home, if recommended by attending physician
• Visit to bedside if travelling alone
• Return of children in the care of the insured
• Additional expenses for meals and hotel
• Return home of vehicle

*Please note: If the claim is a result of an act of terrorism, this benefit may be limited.

Trip Cancellation and Trip Interruption Benefits

• Up to $2,500 per insured per trip for Single-Trip All-Inclusive plans
• Up to $2,500 per insured per trip, and up to $5,000 per policy year for Multi-Trip All-Inclusive Plans
• Reimbursement of prepaid portion of the trip that is non-refundable and non-transferable to another travel date for a covered event

Highlights of insured risks:

• Medical condition or death of insured (or insured's travel companion)
• Medical condition or death of insured's (or insured's travel companion's immediate family or key person)
• Business meeting
• Canadian Government issues travel advisory
• Travel visa not issued
• The person whose guest the insured will be during trip has a medical emergency
• Misconnection

Baggage Loss, Damage or Delay

This coverage relates to the loss of, damage to, and delay of baggage and effects. This insurance provides coverage for the following expenses:

• Up to $100 for replacement of a lost or stolen passport, driver's licence, birth certificate or travel visa
• Up to $500 for necessary toiletries and clothing when luggage is delayed by the carrier for at least 10 hours while the insured is en route. The maximum payable for this benefit under the Multi-Trip All-inclusive plan is $1,500 per policy year
• Up to $300 per trip for any item or set of items to a maximum of $1,000. The maximum payable for this benefit under the Multi-Trip All-inclusive Plan is $3,000 per policy year

Flight Accident and Travel Accident

Flight Accident and Travel Accident Insurance covers the following benefits:

• If an accidental bodily injury causes the insured to die, to become completely and permanently blind in both eyes or to have two limbs fully severed above the wrist or ankle joints, in the 12 months after the accident, Manulife Financial will pay: $100,000 under Flight Accident Insurance; or $50,000 under Travel Accident insurance
• If an accidental bodily injury causes the insured to become completely and permanently blind in one eye or have one limb fully severed above a wrist or ankle joint in the 12 months after the accident, Manulife Financial will pay: $50,000 under Flight Accident Insurance; or $25,000 under Travel Accident Insurance
• If the insured has more than one accidental bodily injury during the trip, Manulife Financial will pay the applicable insured sum only for the one accident that entitles the insured to the largest benefit amount

BounceBack Benefit

Return home and go back with this coverage, which provides up to $2,000 towards the cost of a return ticket home from your client's trip destination and back to continue the trip if during the trip, an immediate family member dies or undergoes an emergency hospitalization or your client's principal residence in Canada, due to a natural disaster, becomes uninhabitable. This plan can only be purchased with Single-Trip plans and at an additional premium cost.

Top-Up Options

• Top-Up coverage must be purchased prior to departure and is subject to an extra premium charge The Single-Trip Emergency Medical
• The Single-Trip Emergency Medical plan can be used to top up a Manulife Financial Multi-Trip plan or plans of other insurers for a trip up to 183 days, including top-up (212 days if your client resides in Ontario or Newfoundland)
• It is the responsibility of the applicant to confirm that top-up is permitted on the existing plan with no loss of coverage
• If the applicant is age 55 or older and is travelling for more than 30 days, the medical questions must be completed if they have not already done so
• The Single-Trip All-Inclusive Top-Up option can be used to top up a Manulife Financial Travel Insurance Multi-trip All-Inclusive plan

To Calculate the Top-Up Premium

Determine the number of days of coverage required, and use the premium amount for the required number of days from the appropriate Rate Category:

If you wish to top up an existing Manulife Financial Travel Insurance policy, please contact Customer Service at 1-800-565-2338.

Deductible Discount Options

Deductible Discounts are only available on the Single-Trip Emergency Medical and Multi-Trip Emergency Medical plans.

All discounts can be combined, except the following:

1. Family Coverage and Travel Companion discounts cannot be combined
2. Deductible discount options are not applicable to the Travel Canada Plan and All-Inclusive plans

Family Coverage

Available when family members are all under age 55 for spouse and dependent children. The rate is calculated at 2 x the premium due for the oldest traveller under age 55. Family coverage is available for any Emergency Medical plan (All-Inclusive plans are not eligible).

Claim-Free Discount

A 5% discount will be offered on the insurance plan premium purchased next year if your client meets these conditions:

1. Has never submitted a travel insurance claim to us before;
2. Is age 55 or older and qualifies for the same rate category; and
3. Has purchased a Manulife Financial Travel Insurance plan that provides coverage for 90 days or more.

Travel Companion Discount

A 5% discount is available on all plans when two adults apply for insurance at the same time. The discount applies to both insureds and is not available for Family Coverage purchases.

Visitors to Canada Plans

VISITORS TO CANADA PLAN INFORMATION

Who Can Apply?

• Visitors to Canada
• Canadians who are not eligible for benefits under a government health insurance plan
• Persons who are in Canada on a work or student visa
• New immigrants who are awaiting government health insurance plan coverage

What Else You Need to Know When Applying for Coverage

• The policy may only be issued in Canada and coverage must not exceed 365 days
• Application for insurance may be made before your client arrives in Canada
• If the insurance is purchased after your client arrives in Canada, the application for insurance must be made within 30 days of arriving in Canada
• On the effective date of insurance, the client must be in Canada and:
  • under age 80 to be eligible for Plan 50; and
  • under age 55 to be eligible for Plan 100 or Plan 150
• Your client may not be covered under more than one plan during a trip
• A $50 (CDN) deductible will apply to each claim made under this policy, if your client has selected the $50 deductible option