Help protect your travels with Group Travel Insurance.

This plan is only available to the Ontario Pharmacists Association members who are in good standing and who are under the age of 85. A member in good standing is defined as someone whose OPA membership fee is fully paid at time of enrolment.

If you have recently become an Ontario Pharmacists Association member, you may enrol in the group travel insurance plan within 60 days of your OPA membership enrolment date. Enrolment in the group travel insurance plan is completely voluntary.

The annual renewal date for all policies is January 1^st of every year. Once enroled, annual renewals are permitted on the condition that you also remain an OPA member in good standing and are still under age 85 at time of renewal. If a member does not renew their Manulife Group Travel Insurance plan coverage, they are no longer eligible for the travel insurance plan going forward.

Provided you maintain your eligibility, you will be sent a new Enrolment Form and Rate Schedule 60 days prior to December 31, of every year, to allow you to enrol for new coverage. You must apply and pay for the new coverage prior to January 1, 2027. Only at the time of re-enrolment (January 1^st each year) can a member make changes to their plan.

If you do not receive your new Enrolment Form and Rate Schedule by December 15, please contact us at ManulifeGroupTravel@canamti.com or call 1-833-685-2788.

All administration, enrolment and payment processing are done directly with Manulife and/or their administration partner, Canam Insurance. Manulife has provided OPA members with a dedicated phone line to answer all questions: 1-833-685-2788.

The age of the OPA member determines the applicable rate schedule. A spouse is defined as the person who is legally married to the OPA member or the person who has been living with the OPA member in a relationship of a conjugal nature and who has been publicly represented as such.

Dependent means:

a) the spouse; and

b) the unmarried child of the participant or spouse (including any natural child, adopted child, stepchild, foster child and a child to whom the participant or spouse is the legal guardian). Please see more details about dependents in your booklet.

No. Medical questionnaires or evaluation, and evidence of insurability are not required to enrol in the plan. However, all travel insurance ONLY covers claims arising from sudden and unexpected situations (i.e., accidents and emergencies) and NOT for follow-up or recurrent care. The insurance does NOT cover claims related to pre-existing medical conditions, whether disclosed or not, that are not stable within 90 days of travel.

We want you to understand (and it is in your best interest to know) what your coverage includes, what it excludes, and what is limited (meaning payable, but with limits). Please take time to read through your benefit booklet before you travel. If you have any questions, please call 1-833-685-2788.

Stable means any sickness, injury or medical condition (other than a minor ailment) for which all the following statements are true:

a) there has been no new diagnosis, treatment or prescribed medication;

b) there has been no change in treatment or change in medication, including the amount of medication to be taken, how often it is taken, the type of medication or change in treatment frequency or type. Exceptions: the routine adjustment of Coumadin, Warfarin, insulin or oral medication to control diabetes (as long as they are not newly prescribed or stopped) and a change from a brand medication to a generic brand medication (provided that the dosage is not modified);

c) there have been no new symptoms, more frequent symptoms or more severe symptoms;

d) there have been no test results showing deterioration; and

e) there has been no hospitalization or referral to a specialist (made or recommended) and you are not awaiting results of further investigations for that medical condition.

ALL of these conditions must be met for a sickness, injury or medical condition to be considered stable.

Your policy will cover medical emergencies not related to a medical condition that is not stable at the time of travel.

To be covered under the plan, you must meet ALL of the following eligibility requirements:

1. You must be covered under the government health insurance plan of your province; and

2. You must be under the age of 85; and

3. You must have your permanent residence in Canada; and

4. The required premium payments for your coverage must have been paid; and

5. You must be a member in good standing of the OPA; and confirmed by the OPA.