For full-time students including:
Note: To be eligible, you must be under the age of 55. Any Canadian student must be covered under a government health insurance plan from a Canadian province or territory to apply. It is your responsibility to ensure continued coverage under the government health insurance plan of your province/territory of permanent residence.
Emergency and Non-Emergency Medical Benefits*
Up to a maximum aggregate of $1 million for emergency medical and non-medical coverage for covered risks.
Emergency Medical Benefits
Non-Emergency Medical Benefits
Annual medical examination – up to $100
Annual eye examination
Maternity benefit – up to $20,000
Accidental death or dismemberment – up to $10,000
You are not eligible for any coverage under this policy if:
Also, to be eligible for insurance under this policy, you must be:
If you stay at your destination between semesters, you can re-apply for coverage as long as you have proof of enrolment in the following semester.
Pre-existing condition exclusions
This policy will not pay any expenses or benefits relating to:
Pre-existing condition means an injury, illness or symptom that exists before the effective date of insurance.
Stable means a medical condition for which:
Extensions
If you already have coverage, simply call the Assistance Centre. You may be able to extend their coverage as long as:
Premiums
For a single applicant
For family coverage (available for spouse and dependent children when all family members reside together and are under age 55)
All applicants must be under the age of 55 and coverage must not exceed 365 days.
50% national student savings: When purchasing this plan for coverage while you are studying in another province or territory in Canada.
Family coverage for any Emergency Medical Plan: Available for spouse and dependent children (between 30 days and 21 years of age) subject to eligibility requirements, when all family members are under age 55. The rate is calculated at 2 x the premium for one person.
Deductible options
Deductible savings options are not offered under the Manulife Financial Travel Insurance for Students plan.
hoose the plan that’s right for you
Please read the policy for more details on the coverage provided, conditions and exclusions.
- International Students studying in Canada
- Canadian Students studying abroad
- Canadian Students studying in Canada but outside their principal province of residence
Note: To be eligible, you must be under the age of 55. Any Canadian student must be covered under a government health insurance plan from a Canadian province or territory to apply. It is your responsibility to ensure continued coverage under the government health insurance plan of your province/territory of permanent residence.
Emergency and Non-Emergency Medical Benefits*
Up to a maximum aggregate of $1 million for emergency medical and non-medical coverage for covered risks.
Emergency Medical Benefits
- Hospital expenses – up to the maximum aggregate for
- 60 days hospitalization for injury or illness
- 30 days hospitalization for psychiatric care
- Out-patient and emergency department services
- Physician services – plus up to 5 follow-up visits
- Diagnostic services
- Private duty nurse – up to $10,000
- Ambulance transportation – up to $5,000
- Prescription drugs – up to 30 days supply
- Paramedical services – up to $500 per profession
- Emergency dental treatment
- accidental injury – up to $2,500
- relief of pain – up to $100
- per extracted wisdom tooth – up to $250
- Psychiatric care – up to $5,000
- Trauma counselling – up to 6 sessions
- Medical appliances
- Emergency evacuation – up to $100,000
- Family transportation to beside and subsistence allowance – up to $4,500
- Repatriation of mortal remains – up to $10,000
- Tuition reimbursement – up to $5,000
- Trip break – up to 21 consecutive days without termination of coverage
Non-Emergency Medical Benefits
Annual medical examination – up to $100
Annual eye examination
Maternity benefit – up to $20,000
Accidental death or dismemberment – up to $10,000
You are not eligible for any coverage under this policy if:
- You are travelling contrary to medical advice;
- You require kidney dialysis;
- You have used home oxygen anytime during the twelve (12) months prior to the date of application;
- You have been diagnosed with a terminal illness with less than two (2) years to live.
Also, to be eligible for insurance under this policy, you must be:
- You are under the age of 55; 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 residing with, a student covered under this insurance and named on the application; and
- You are purchasing coverage:
- for an inbound trip, when your home country is not Canada and you are temporarily residing in Canada; or
- for an outbound trip, when your home country is Canada, and you are covered under a Canadian provincial or territorial 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 Canadian provincial or territorial government health insurance plan while you are temporarily residing in another Canadian province or territory.
If you stay at your destination between semesters, you can re-apply for coverage as long as you have proof of enrolment in the following semester.
Pre-existing condition exclusions
This policy will not pay any expenses or benefits relating to:
- A pre-existing condition which has not remained stable in the three (3) months before the effective date.
- Any pre-existing condition of a covered dependant that was not stable in the three (3) months before the date the dependant became covered under this policy.
- For covered dependants under two (2) years of age, any medical condition related to a birth defect whether genetic, acquired, or congenital.
Pre-existing condition means an injury, illness or symptom that exists before the effective date of insurance.
Stable means a medical condition for which:
- you have not had any new symptom(s); and
- existing symptom(s) have not become more frequent or severe; and
- your physician has not determined that your medical condition has become worse; and
- no test findings have shown that your medical condition may be getting worse; and
- you have not received, been prescribed, taken or had a physician recommend any new medication, or any change in medication. Exceptions: the routine adjustment of Coumadin, warfarin, insulin to control diabetes (as long as the medication is not newly prescribed or stopped) and a change from a brand-name medication to a generic brand medication (provided that the dosage is not modified); and
- you have not received, been prescribed or had a physician recommend any new treatment or any change in treatment; and
- you have not been hospitalized or referred to a specialty clinic or specialist; and
- your physician has not advised you to see a specialist or to have further tests, and you have not undergone testing for which you have not yet received the results.
- You may cancel this insurance at any time before the effective date.
- If you return home early, you can apply for a refund of the premiums for the unused coverage, providing there has been no incident which has resulted or will result in a claim or for which a claim was started against the policy and that you have mailed your written refund request within 5 days of your departure from Canada (within 5 days of your return home, for Canadians).
- All travellers insured under the same policy must return together for a refund to be possible.
Extensions
If you already have coverage, simply call the Assistance Centre. You may be able to extend their coverage as long as:
- the 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 the existing policy issued by us; and
- there has been no change between single or family coverage.
Premiums
For a single applicant
- The premium rate is applicable to each day of coverage.
- For National Students studying in another province or territory in Canada, the rate will be 50% less than the rate for a single applicant.
For family coverage (available for spouse and dependent children when all family members reside together and are under age 55)
- The rate is two times the single applicant’s rate.
All applicants must be under the age of 55 and coverage must not exceed 365 days.
- Premium rate is in $CDN per person.
- Rates are subject to change without notice.
- Number of coverage days must include:
- The date of departure;
- The date of return; and
- The number of days in-between.
- Coverage will not take effect if the applicant's method of payment is not honoured when presented for payment.
- The minimum age for dependent children covered under a family plan is 30 days old. The maximum age for dependent children is under twenty-one (21) years of age. See policy for details.
50% national student savings: When purchasing this plan for coverage while you are studying in another province or territory in Canada.
Family coverage for any Emergency Medical Plan: Available for spouse and dependent children (between 30 days and 21 years of age) subject to eligibility requirements, when all family members are under age 55. The rate is calculated at 2 x the premium for one person.
Deductible options
Deductible savings options are not offered under the Manulife Financial Travel Insurance for Students plan.
hoose the plan that’s right for you
Please read the policy for more details on the coverage provided, conditions and exclusions.