"BON VOYAGE, BUT ...", published by Foreign Affairs and International Trade Canada states: "Do not rely on your provincial health plan to cover costs if you get sick or are injured while abroad. At best, your health plan will cover only a portion of the bill.

You may also want to purchase a travel insurance package that includes flight cancellation, trip interruption and/or lost luggage coverage. Doing so can avoid major disruptions and additional costs. Again, check the terms and conditions of these policies."

You can opt to purchase coverage for the entire time you are away from your province of residence or just for the portion of your trip that is away from Canada. In other words, the effective date of coverage can be either the last day you are in your province of residence or the last day you are in Canada. As government health insurance plans vary among the provinces and most do not provide emergency return home benefits, you should consider coverage for the full length of your trip.

Government health insurance plans do have limits on the reimbursement of the emergency medical expenses incurred while in another province. For example, air and ground ambulance costs, emergency dental treatment and prescription drugs might not be covered outside your province of residence. For maximum protection, you should purchase additional medical coverage even while travelling within Canada.

Yes. CoverMe allows top up coverage of another insurer's plan. You are responsible for ensuring that your current coverage is in force and allows top-up. Your top-up coverage is subject to the terms and conditions of the CoverMe Travel insurance plan.

It is your responsibility to ensure that your existing plan permits top-ups.

If you are already on your trip, you can extend coverage by calling our Assistance Centre provided there has been no claim reported and no event has occurred that would give rise to a claim under the insurance. In addition, you must request the extension before your coverage expires and pay the appropriate premium. Extension of your coverage is subject to the approval of our Assistance Centre.

If you have a Multi-Trip Plan, you must top-up your coverage before you leave home, by purchasing a Top-Up plan for the additional number of days beyond the duration provided by your Multi-trip plan to a maximum of 183 days in total (212 days for residents of Ontario and Newfoundland).

You may purchase CoverMe Travel insurance for Students. This plan has been designed for students, including post-graduate researchers. Learn More.

Yes, grandchildren fall under our definition of a "child" but the dependent grandchild must be named on your confirmation and you must pay the premium for Family Coverage. If you cannot buy Family Coverage due to the age of the eldest traveller, you can purchase coverage for your grandchildren travelling with you and identify them as travel companions and receive the travel companion savings for them and yourself.

Actually you can buy family coverage. We will make the eldest child travelling the policyholder and then your other children travelling with the eldest will be the insured under a family policy provided they are listed on the confirmation of coverage and you pay the premium for Family Coverage.

Yes.

Yes, you will need to purchase a family plan and have the parent's children listed on your confirmation of coverage.

The published rates for all plans include a zero deductible. The following deductible options and savings are available for the Single-Trip Emergency Medical Plan and the Multi-Trip Emergency Medical Plan:

Please note: Deductible amounts apply to emergency medical coverage only. Deductible options are not available on the Single-Trip All-Inclusive plans or the Multi-Trip All-Inclusive plans or CoverMe Travel insurance for Students.

Yes, we will extend coverage for up to 72 hours in the event of a breakdown of your personal vehicle.

A medical emergency is eligible for coverage if treated in an out-patient clinic or doctor's office. You must contact our Assistance Centre prior to receiving any treatment.

We ask you to call our Assistance Centre so that we can confirm, with your healthcare provider, your enrolment in the plan, manage the benefits in accordance with your policy, and, when possible, avoid any out-of-pocket expenses for you. If you do not call the Assistance Centre, you will have to pay 25% of the medical expenses normally covered under the policy. If it is medically impossible for you to call, please have someone call us on your behalf.

As outlined in our insurance policies, it is essential that you contact our Assistance Centre prior to receiving medical treatment. The Assistance Centre has existing relationships with medical providers in many vacation destinations, as well as contacts all over the world, to ensure emergency situations are handled as smoothly as possible. Our Assistance Centre will communicate with your medical provider, arrange direct billing where possible and coordinate payment of the emergency service received.

Manulife Financial will provide a confirmation for the premium payment, which is an official receipt recognized by Canada Revenue Agency.

Unless otherwise stated in the policy, in order to be covered under this plan, children have to be at least 31 days old.

The published rates for all Emergency Medical Plans include a $75 deductible. The following deductible options and discounts are available for the Single-Trip Emergency Medical Plan and the Multi-Trip Emergency Medical Plan:

Please note: Deductible amounts apply to emergency medical coverage only. Deductible options are not available on the Trip Interruption or Travel Accident plans.

Yes, Family coverage is available for Plan A Emergency Medical, Trip Interruption and Travel Accident plans. It is not available for Plan B. Family coverage covers you, your spouse and dependent children. All family members must be under the age of 55. Plan A Emergency Medical is 2X the premium due for the oldest traveler under age 55. Trip Interruption and Travel Accident is 3X the premium due for the oldest traveler under age 55.

Top-Up coverage must be purchased prior to departure and is subject to an extra premium charge. Single-Trip Emergency Medical Plan A can be used to top up Multi-Trip Emergency Medical Plan A, and Single-Trip Emergency Medical Plan B can be used to top-up Multi-Trip Emergency Medical Plan B. Top-ups can be purchased for a maximum Trip duration of 365 days.

Note: If a trip begins during the coverage period of your Multi-Trip plan but will extend beyond the expiry date, you can purchase top-up coverage for any travel days that fall after the expiry date or you can purchase a new CoverMe Travel Insurance Multi-Trip plan for the next 365-day period as long as the total duration of the trip does not exceed the maximum trip length you chose when you purchased the Multi-Trip plan.

To extend your coverage, you must make the request before the expiry date or the date you were scheduled to return home, as per confirmation. If you have not had a medical condition or pending claim since your effective date of insurance, the extension may be issued upon request. If you have a medical condition or pending claim, the extension is subject to the approval of the Assistance Centre. A minimum premium of $25 will apply to each extension.

When you return home before the scheduled return date as per the confirmation, and have not reported or initiated a claim or have been provided with any assistance services, refunds are available for the unused days of the trip. A refund request must not be for less than $25.

Under the policy, 'age' is defined as the insured's age on the effective date of coverage. In order to keep in line with that policy definition, the 'age' used in calculating the daily premium should be the insured's age at the effective date of coverage.

This insurance allows the policyholder to return home to attend special events for up to fifteen (15) days without terminating coverage, if the policyholder has requested and received prior approval from the Assistance Centre. Coverage will be suspended but will not be terminated while the policyholder is at home. The suspension of coverage will end and coverage will be reinstated when the policyholder arrives back to Canada. There will be no refund of premium for any of the days during any return home.

Note: this policy will not cover any expenses or benefits relating to any emergency medical and non-emergency medical services for any injury that occurred or illness that started at home.

To apply for coverage, you or someone on your behalf may complete the Visitors-to-Canada application. If someone other than you completes the application, he/she must ensure that he/she is aware of your health history in order to accurately complete the form. Any incorrect statements on the application may make the policy null and void.

In order to be covered under this plan, children have to be at least 31 days old.

"BON VOYAGE, BUT ...", published by Foreign Affairs and International Trade Canada states: "Do not rely on your provincial health plan to cover costs if you get sick or are injured while abroad. At best, your health plan will cover only a portion of the bill.

You may also want to purchase a travel insurance package that includes flight cancellation, trip interruption and/or lost luggage coverage. Doing so can avoid major disruptions and additional costs. Again, check the terms and conditions of these policies."

Government health insurance plans do have limits on the reimbursement of the emergency medical expenses incurred while in another province. For example, air and ground ambulance costs, emergency dental treatment and prescription drugs as well as follow-up visits or out-patient visits or non-emergency medical services might not be covered outside your province of residence. Unlike Canadian provincial/territorial government health insurance plans, CoverMe Travel insurance for Students also offers tuition protection in the event of a medical emergency. For maximum protection you should purchase additional medical coverage even while travelling within Canada. You can also insure your spouse and children who will live with you while you are covered under this policy.

Coverage is available up to and including the age of 54.

If you already have coverage, simply call the Assistance Centre. You may be able to extend your coverage as long as:

• Your period of coverage does not extend beyond 365 days;
• You remain eligible for insurance under this plan;
• We have received the extension requests prior to the expiry date of your existing policy issued by us; and
• 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 illness 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.

Yes.

Yes, you will need to purchase a family plan and have the parent's children listed on your confirmation of coverage.

CoverMe Travel insurance for Students applies no deductible amount to claims.

A medical emergency is eligible for coverage if treated in an out-patient clinic or doctor's office. You must contact our Assistance Centre prior to receiving any treatment.

We ask you to call our Assistance Centre so that we can confirm, with your healthcare provider and your enrolment in the plan, manage the benefits in accordance with your policy, and when possible, avoid any out-of-pocket expenses for you. If you do not call the Assistance Centre, you will have to pay 25% of the medical expenses normally covered under the policy. If it is medically impossible for you to call, please have someone call us on your behalf. It is your responsibility to ensure that the Assistance Centre has been notified.

The Assistance Centre will explain coverage, monitor care, pre-approve treatment, confirm enrolment to the service provider and ensure that incurred expenses do not exceed the reasonable charges that normally apply where the medical emergency occurs.

As outlined in our insurance policies, it is essential that you contact our Assistance Centre prior to receiving medical treatment. The Assistance Centre has existing relationships with medical providers all over the world, to ensure emergency situations are handled as smoothly as possible. Our Assistance Centre will communicate with your medical provider, arrange direct billing where possible and coordinate payment of the emergency service received.

Under this policy, the maximum number of coverage days is 365 days.

If your home country is Canada and you have purchased coverage for an outbound trip, you are covered for emergency and non-emergency medical benefits while travelling outside of Canada for the period of coverage shown on your confirmation.

If your home country is not Canada and you have purchased coverage for an inbound trip, you are covered for emergency medical benefits while you travel outside Canada for periods of up to fifteen (15) consecutive days, provided your travel outside Canada does not exceed 49% of your period of coverage and as long as your travel outside of Canada originates and terminates in Canada and, in the case of students from abroad studying in Canada, excludes your home or home country.

Yes. The Trip Break benefit offers up to twenty-one (21) consecutive days to return home to attend special events if you have requested and received prior approval from our Assistance Centre. Your coverage will be suspended but will not terminate while you are home. Your suspension of coverage will end and your coverage will be reinstated when you arrive in Canada if you are inbound, or when you leave Canada if you are outbound, or when you leave home if you are a national student. There will be no refund of premium for any of the days that you have returned home.

Manulife Financial will provide a confirmation for the premium payment, which is an official receipt recognized by Canada Revenue Agency.