Health coverage for Canadians studying in another province or territory

You are not eligible for this insurance if any of the following apply to you or anyone you want to cover:

• Travelling against the advice of a physician

• Have been diagnosed with a terminal illness with less than 2 years to live

• Require kidney dialysis

• Used home oxygen in the 12 months before you applied for this insurance

You may buy this insurance if you:

• Live in Canada and are covered under a government health insurance plan (GHIP) for the entire duration of your trip

• Are a full-time student or a student completing post-doctoral research or are the spouse and/or child of the student

Note: A waiting period applies if you purchase this insurance after you arrive at your destination.

• Pre-existing medical conditions that have not remained stable in the 3 months before the effective date

• Any medical condition related to a birth defect if the insured child is under age 2

• If you get coverage after you leave home, there is a 48-hour waiting period except if you are accidentally injured or if you are extending an existing Travel Insurance for Students policy from Manulife

Pre-existing medical condition means any medical condition that existed before your effective date.

A medical condition is considered stable when all of the following statements are true:

• There has not been any new treatment prescribed or recommended, or change(s) to existing treatment (including a stoppage in treatment), and
• There has not been any change in medication, or any recommendation or starting of a new prescription drug, and
• The medical condition has not become worse, and
• There has not been any new, more frequent or more severe symptoms, and
• There has been no hospitalization or referral to a specialist, and
• There have not been any tests, investigation or treatment recommended, but not yet complete, nor any outstanding test results, and
• There is no planned or pending treatment.

All of the above conditions must be met for a medical condition to be considered stable.

Change in medication means the medication type, dosage, or frequency is reduced, increased, stopped, and/or new medications are prescribed. 

Exceptions: 

• Regular blood tests that result in routine adjustments of Coumadin, warfarin, or insulin as long as these medications are not newly prescribed or stopped; or,
• Changing from a brand name medication to the same dose of a generic medication.

Quarantine exclusions: 

• We do not pay any benefits for quarantine or self-isolation in Canada as mandated by any government. 

• We will not provide coverage for any pre-paid, unused travel arrangements. 

• We will not cover any expenses you incur when you are denied entry to a country or region included in your trip when, before your departure date, there was a foreign government and/or regional travel guideline restricting entry of Canadian residents or guidelines that require self-isolation or quarantine for a specific period of time during your trip.

Other conditions, limitations and exclusions apply.

Please see the policy for details.

Government health travel advisory (GHTAC) rider

What are the benefits of purchasing this rider?

Our rider will protect you in the event of a government travel advisory change before your departure date. It will cover you for emergency medical expenses related to the travel advisory.

What if I do not purchase this rider?

 Your emergency medical insurance policy will still provide coverage for emergency medical expenses that are not related to the specific virus or disease that caused the government to issue the travel advisory.

Are there any exclusions?

There are a few exclusions you'll need to consider. See the policy for full details.