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Travel Insurance

Manulife Financial offers the following travel insurance options:

  1. Out of province/out of country travel insurance for Canadians
  2. Visitors to Canada travel insurance
  3. Student travel insurance

Travelling Canadians can choose from the following options:

Click here to purchase Manulife Travel Insurance for out of province or out of country travel.

Emergency Medical Insurance for Visitors to Canada is ideal for:

Click here to purchase Visitor’s to Canada Insurance from Manulife Financial.

Student Travel Insurance is ideal for:

It provides up to $2 million for emergency medical coverage and coverage for non-emergency medical benefits such as: annual medical examination, annual eye examination, maternity benefit, accidental death or dismemberment.

Click here to purchase Student Travel Insurance from Manulife Financial.

 

21st Century Travel Insurance

Monthly Payment Option for Visitors to Canada Emergency Medical Insurance (ideal for super visa applicants)

Frequently asked questions

The cost of a $100,000 insurance policy can be significant. Visa applications can be refused or delayed. Often, visitors have no intention of remaining in Canada for a full year. With other Canadian insurers, the entire premium must be paid up front to obtain the required insurance confirmation for a visa application. With 21st Century Travel Insurance this premium can be paid monthly! Here are the answers to your most frequently asked questions about the Monthly Payment Plan:

1) Where can I purchase this plan? By contacting us. 

2) What information will be required at the time of purchase? We will need full names from passports, dates of birth and the intended or known travel dates to Canada. Over age 59, you will also need to be able to answer questions about each applicant’s health history and current medical conditions. The effective date of the policy should be based on the planned arrival date and match the date you use in your visa application in the “details of visit” section. With most visa applications, the real date of arrival won’t be determined until after the visa is issued by IRCC. Deposit premium payments must be made by Visa or MasterCard and a form will be required at the time of purchase to authorize regular monthly payments to be charged to the card following activation of the policy.

3) The premium is several thousand dollars – how much will I have to pay to buy a monthly payment policy? i) NEW VISA APPLICATION (Policy issued with a status of “Pending” – no confirmed arrival date) You pay a premium deposit equal to 2 months of the total premium (two-twelfths of a 12-month policy or twotwenty-fourths of 24-month policy) plus a one-time $50 Policy Fee. This deposit is non-refundable while awaiting a decision on the visa application and is also non-refundable once the entry visa is issued. The deposit must be paid by Visa or MasterCard. ii) ALREADY HAVE THE VISA (Policy Activated – confirmed arrival date or already in Canada when it is issued) If the entry visa has already been issued and the actual travel dates are known (or you are already in Canada), the policy should be “activated” at the time of purchase and the deposit will be 3 months plus the policy fee. For activated policies, regular monthly payments will start one month after the effective date of the policy.

4) What will I receive as my proof of mandatory insurance to submit to IRCC? A Policy Confirmation will be provided to verify purchase of the insurance. This document should be submitted with your visa application. IRCC is very familiar with 21st Century’s Visitor to Canada Plan and the confirmation documents provided.

5) How is the policy “Activated” (if not activated when it was issued)? You only “activate” a policy once the visa is issued by the government and the actual arrival date has been confirmed. The policy will be held in a “Pending” status until the actual travel arrangements can be confirmed. Your deposit is held on account. While the policy is held as “pending”, no coverage is in force and you make no further premium payments beyond the initial deposit and policy fee. You must contact us to activate the policy before arrival. We then charge a third payment to the credit card on file and you will be issued a new Policy Confirmation to match the real travel dates. This will be the paperwork that is provided to the Canada Border Services Officer to prove insurance upon entry into Canada. Regular monthly payments will start one month after the effective date of the policy. Payments continue for 9 more equal monthly installments (or 21 more on a 2-year policy) until the policy is fully paid or until the visitor leaves Canada and you cancel the policy. Warning – Failure to Activate prior to arrival means you will have no coverage upon arrival; your coverage will not commence until you pay the third premium and your policy will have a waiting period once it is Activated. Claims will not be honored on a Pending policy that has not been properly Activated.

6) Will my deposit premium be refunded if the visa application is denied by IRCC? YES! Send us the refusal letter and the deposit premium will be refunded to the credit card. The $50 policy fee is nonrefundable.

7) Can the policy be cancelled if the Visitor leaves Canada before the Expiry Date (an early cancellation)? YES! – For all early cancellations, only full, unused months will be refunded; partial months will NOT be refunded. Also, if the visitor leaves any time within the first two months, we retain two months as a minimum premium. A refund for early cancellation can be applied for even if you have made a claim under the policy. Refund requests must be submitted within 30 days of the date on which you want the policy to be cancelled.

i) RETURNING DIRECTLY TO COUNTRY OF ORIGIN With timely proof of return to the country of origin (boarding passes), we will refund any monthly premiums that have been collected relating to months not in Canada (unused months).

ii) RETURNING TO COUNTRY OF ORIGIN BUT SPENDING TIME IN ANOTHER COUNTRY FIRST This is what we call a “Side-trip” and the policy does provide full coverage on side trips. If you want the policy cancelled as soon as you exit Canada, you must notify us BEFORE you leave Canada. Otherwise, you will automatically be covered in the other country until the earliest of the date: a) we receive your request to cancel, or b) you do return to your country of origin, or c) you reach the maximum number of days that you can be covered on a side trip(s).

iii) LEAVING CANADA BUT NOT RETURNING TO THE COUNTRY OF ORIGIN This is also a “side trip” and the policy does provide full coverage on side trips. If you want the policy cancelled as soon as you exit Canada, you must notify us BEFORE you leave Canada. Otherwise, you will automatically be covered in the other country until the earliest of the date: a) we receive your request to cancel, or b) you reach the maximum number of days that you can be covered on a side trip(s).

8) How do we calculate the refund on an early cancellation? Upon activation of the policy you will now have paid 3 months. Regular, scheduled monthly payments start one month after the effective date (on the same day in the month). Therefore, your first scheduled monthly payment following activation is your fourth monthly payment; your second scheduled payment is the fifth payment, etc.. This means that by the start of the third month into the policy period, you will have paid for 5 months. When you cancel the policy early, our refund calculation will give you full credit for all months you have paid (including the deposit) and we keep only the premiums relating to any full or partial months while we were on risk. Full, unused months are refunded, less a $25 fee. (Exception – for cancellation any time within the first two months, we will retain a minimum two months of premium.)

Hint: If your policy starts on the 15th of a month, we will be charging premiums on the 15th of each month after the policy is activated. To avoid losing partial months of premium in this example, plan travel back to the country of origin for no later than the 13th or 14th of a month.

9) What if I want to return to my home country for a short visit? Option a) – Leave the policy in force (although you are not covered while within the country of origin). Monthly credit card charges continue as usual. When you return to Canada, the coverage is automatically reinstated. There is no refund available for the time you temporarily travelled to your country of origin. Option b) – Request early cancellation of your policy (see description in #7 above); in this case, the Canadian government would require you to purchase a new 365-day (or 730-day) policy prior to re-entering Canada.

10) What do I do when my policy is approaching its expiry date and I am still in Canada? Contact your agent to purchase another Monthly Payment Plan. You will need to satisfy the eligibility requirements and pay the required premium, based on your age at that time. We also offer the Monthly Payment Plan on a twoyear policy for added flexibility. Whatever your Visitor to Canada Insurance needs, 21st Century has the solution.