Parents and Grandparents visiting Canada under Super Visa Category, it is important for them to understand how the Canadian healthcare system works and what it means to you when applying for your visa. Under the Super Visa Category Visa the Canadian government has laid a mandatory requirement of purchasing Super visa Insurance from a Canadian insurance company. Health care costs in Canada are very expensive. Hospitals can charge thousands of dollars per day, with many Canadian hospitals charging a non-resident fee to patients not covered under a government health insurance plan. Travel insurance from the experts at Punjab Insurance helps you stay protected during a medical emergency. Be sure to carry travel insurance to safeguard your finances and enjoy a worry-free trip.
Buy Super visa medical insurance through Punjab Insurance to help protect you and your family from unexpected costs due to a medical emergency while visiting Canada. We will be there to make certain you get the care you need whenever you are travelling to visit to your family or friends in Canada for a few days or a few months. Punjab Insurance can provide you competitive quotes from Manulife Super Visa Medical Insurance plan to assist in protecting your family with insurance.
To apply for coverage, you or someone on your behalf must complete and sign the Manulife Financial Visitors to Canada application, not more than 365 days before the effective date of coverage, and return it to us with your payment of the required premium.
Manulife Financial Travel Insurance is offered through Manulife Financial (The Manufacturers Life Insurance Company). We at Punjabinsurance.ca help to you with best lowest insurance plans.
Emergency Medical Maximum Benefits
Emergency Medical Maximum Benefits for Visitors less than 85 years of age are eligible to apply for coverage in amounts of $15,000, $25,000, $50,000 or $100,000.
Emergency Medical Maximum Benefits for Visitors who are less than 70 years of age are eligible to apply for coverage of $150,000.Choose Your Plan When Applying for coverage from Plan A or Plan B.
Plan A - no benefits are payable for a pre-existing condition that existed before your effective date of insurance. Single-Trip Emergency Medical Plan A can be used to top up Multi-Trip Emergency.
Plan B - Applicants 35 years of age or over must complete the medical questionnaire. Under Plan B, no benefits are payable for a pre-existing condition that is not stable within 180 days of the effective date. Single-Trip Emergency Medical Plan B can be used to top-up Multi-Trip Emergency Medical Plan B. Top-ups can be purchased for maximum trip duration of 365 days.
Super Visa insurance for Visitors to Canada offers travellers both Single-Trip and Multi-Trip plans to choose from, so they only pay for the coverage they want and need. Emergency Medical Top-Up, Trip Interruption and Trip Accident coverage is also available.
Emergency Medical Benefits
Under Manulife Emergency Medical Insurance, you are covered for the actual eligible covered expenses related to the medical attention you need if a medical emergency begins unexpectedly after your effective date of insurance and when these expenses are not covered by any other benefit plan. The maximum amount payable is based on the plan you have purchased. Medical attention must be required as part of your emergency treatment and ordered by a physician (or a dentist in the case of dental treatment). Covered expenses and benefits are subject to the policy's exclusions and limitations.
Eligible covered expenses include Comprehensive protection such as:
Emergency Medical Top-Up Plans: Top-Up coverage must be purchased prior to departure and is subject to an extra premium charge.
Trip Interruption and Trip Accident Coverage:
Your coverage is subject to various exclusions, which are completely set out in the Exclusions section of the policy document. The following, although not an exhaustive list, are some of these exclusions:
You are not eligible for coverage under this policy if any of the following apply to you:
a) you are travelling against the advice of a physician;
b) you have been diagnosed with a terminal illness with less than 2 years to live;
c) you have a kidney condition requiring dialysis;
d) you have used home oxygen during the 12 months prior to the date of application;
e) you have been diagnosed with Alzheimer's disease or any other form of dementia;
f) you are under 30 days or over 85 years of age (over 69years of age for $150,000 Emergency Medical coverage);
g) you reside in a nursing home, home for the aged, other long term care facility or rehabilitation center; and/or
h) you require assistance with activities of daily living
To make a claim due to illness or injury during your trip, please Call: Toll Free 1-888-978-6522 your claim must be sent to Manulife within 90 days of your loss. Ensure you keep a copy of your receipts, bills and invoices for your records.
If you disagree with the claim decision, the matter will be submitted to arbitration under the arbitration law in the Canadian province or territory where your policy was issued. Every action or proceeding against the insurer for the recovery of insurance money payable under this contract is absolutely barred unless commenced within the time set out in the Insurance Act, or other applicable legislation.
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