Please note: The applicable waiting period applies to any sickness or illness if you purchased insurance after your arrival in Canada, except in the case of accidental bodily injury.

A waiting period applies if the insurance is purchased after arrival in Canada and applies to any sickness or illness. The waiting periods are:

• the 48-hour period following the effective date of insurance if the insurance is purchased within 30 days of arrival in Canada; or
• the 8-day period following the effective date of insurance if the insurance is purchased more than 30 days after arrival in Canada.

The waiting period will be waived:

• in case of accidental bodily injury; or
• if you purchased this policy prior to the expiry date of an existing Visitors to Canada policy already issued by Manulife Financial, to take effect on the day following such expiry date, provided that there is no increase in the coverage amount or change in the Plan you select.

Refunds:

You can obtain a refund of premium if:

• you cancel your policy at any time before the effective date of insurance; or
• you obtain Canadian government health insurance plan coverage, or return home before the date you were scheduled, as per your confirmation, and have not reported or initiated a claim or been provided with any assistance services; you may ask for a refund of the premium for the unused days of the trip. The refund request must not be for less than $25.

Simply contact us to ask for a refund and provide proof of the date you actually returned home or the effective date of your Canadian government health insurance plan coverage. All travellers insured under the same policy must return together or have effective Canadian government health insurance plan coverage, for a refund to be possible.

Extensions:

Automatic extension of your coverage is provided beyond the date you were scheduled to return home as per your confirmation if:

• your carrier is delayed. In this case, we will extend your coverage for up to 72 hours;
• you are hospitalized. In this case, we will extend your coverage during the hospitalization and for up to 5 days after discharge from the hospital;
• you have a medical condition that does not require hospitalization but prevents travel. In this case, we will extend your coverage for up to 5 days.

In any case, we will not extend your coverage beyond 12 months after your effective date of insurance.

To extend your coverage, you must make your request before your expiry date or the date you were scheduled to return home as per your confirmation. If you have not had a change in your health status, submitted a claim, or had an event that has resulted in or may result in a claim against the policy, the extension may be issued upon request. If you have, the extension is subject to the approval of the Assistance Centre. A minimum premium of $25 will apply.