Overview

If you have a stable pre-existing condition, you can still get affordable access to health care in Canada with Travel Insurance for Visitors to Canada – Plan B. It offers up to a year of protection.

This plan meets the requirements of the Parent and Grandparent Super Visa.

Essential protection for travel to Canada.

  • Get emergency medical coverage up to $15,000, $25,000, $50,000 or $100,000 to age 85, or up to $150,000 to age 69
  • Get travel accident insurance up to $50,000
  • Stay covered during side trips outside Canada (up to 49% of covered days, maximum 30 days)
  • Take trip breaks home without terminating coverage (with prior approval)
  • Get coverage during your uninterrupted flight to Canada at no extra charge when you purchase your plan before you leave home 
  • Get coverage until you arrive home on an uninterrupted flight from Canada as long as you don't intend to return to Canada while you're still covered by the plan

Quick quote & buy online

Apply up to age 85*

  • A visitor to Canada on holiday or with a work visa
  • A Canadian resident not covered by a Canadian provincial or territorial health insurance plan
  • You must be able to truthfully answer "no" to all our medical questions

You are not eligible for coverage if you:

  • Are travelling against the advice of a physician
  • Have been diagnosed with a terminal illness with less than 2 years to live
  • Have a kidney condition requiring dialysis
  • Have used home oxygen within 12 months of your application date
  • Have been diagnosed with Alzheimer's or any other form of dementia
  • Live in a nursing home, home for the aged, other long-term care facility or rehabilitation centre
  • Require assistance with activities of daily living including eating, bathing, using the toilet, changing positions (including getting in and out of a bed or chair) and dressing

* Dependent children must be at least 30 days of age.

Save with a higher deductible

  • Deductible higher than $75 – save 15% with a $500 deductible, 20% with a $1,000 deductible, 25% with a $2,500 deductible and 35% with a $5,000 deductible

Cover many emergency medical costs*

  • Emergency medical attention, including hospital and physician services
  • Paramedical services
  • Emergency dental treatment
  • Hospital allowance
  • Ambulance
  • Emergency transportation home
  • Visit to bedside if travelling alone
  • Return home of children
  • Return your travel companion
  • Extra meal, hotel and child care costs
  • Expenses related to death
  • $50,000 for a travel accident that results in the insured's death, blindness or double dismemberment within 365 days, or
  • $25,000 for a travel accident that results in the insured's blindness in one eye or single dismemberment within 365 days

* Conditions, limitations and exclusions apply. See policy for details.

What's excluded?

  • Any pre-existing condition that was not stable within 180 days of the effective date
  • Any heart condition if you required any form of nitroglycerine for the relief of angina pain within 180 days of the effective date
  • Any lung condition if you required treatment with oxygen or Prednisone within 180 days of the effective date
  • If you get coverage after you arrive in Canada, there is a 48-hour waiting period except if you are accidentally injured or if you are extending an existing Visitors to Canada policy from Manulife

Pre-existing condition means a medical condition that exists before your effective date of insurance.

Medical condition means sickness, injury, disease, or symptom(s); complication of pregnancy within the first 31 weeks of pregnancy.

Stable medical condition means that all of the following apply:

  • There have not been any new symptom(s); and
  • Existing symptom(s) have not become more frequent or severe; and 
  • A physician has not determined that the medical condition has become worse; and
  • No test findings have shown that the medical condition may be getting worse; and
  • A physician has not provided, prescribed or recommended any new medication, or any change in medication; and
  • A physician has not provided, prescribed or recommended any investigative testing, new treatment or any change in treatment; and
  • There has been no admission to a hospital or referral to a specialty clinic or specialist; and
  • A physician has not advised referral to a specialist or further testing, and there has been no testing for which the results have not yet been received.

Change in medication means the medication dosage, frequency, or type has been reduced, increased, or stopped, and/or new medication has been prescribed. The following is not considered a change in medication:

  • a change from a brand-name drug to an equivalent generic drug of the same dosage;
  • a routine adjustment in the dosage of your medication, as a result of your blood levels only, if you are taking Coumadin (warfarin) or insulin and are required to have your blood levels tested on a regular basis, and your medical condition remains unchanged.

Other conditions, limitations and exclusions apply.

Please see the policy for details.

Add Trip Interruption if you choose

Add protection in case you have to interrupt your trip for medical or other reasons – up to $1,500 for you or up to $5,000 for family coverage.*

* Conditions, limitations and exclusions apply. See policy for details.

Reimburses you for the prepaid, non-refundable, non-transferable portion of your trip

Covers your or your travel companion's immediate family member's unexpected medical emergency or death or your host's hospitalization or death, after your arrival in Canada