加拿大医疗保险
Medical Insurance in Canada

CoverMe临时医疗保险计划简介
CoverMe Visitors Health Insurance Plans at a Glance

Key Benefits:

A plan that's right for every type of visitor

　　CoverMe Travel 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.

Choice of coverage amounts

　　Visitors under 85 years of age are eligible to apply for coverage in amounts of $15,000, $25,000, $50,000 or $100,000. Visitors who are under 70 years of age are eligible to apply for coverage of $150,000.

Comprehensive protection

　　CoverMe Travel Emergency Medical for Visitors to Canada includes coverage for physician services, ambulance services, semi-private hospital accommodation, prescription drugs, diagnostic tests, treatment by registered specialists and therapists such as chiropractors and physiotherapists, emergency dental treatment, childcare expenses in the event a traveller is hospitalized, and much more.

Choose from Single-Trip or Multi-Trip plans

　　Our Single-Trip plans protect visitors for one trip, while our Multi-Trip or annual plans cover visitors under the age of 70 for an unlimited number of trips (up to 30 days in duration) during a one-year period.

Includes coverage for side trips outside Canada

　　Our Single-Trip and Multi-Trip plans also include coverage while travelling outside Canada (excluding a policyholder's country of origin), as long as the side trip originates and terminates in Canada and does not exceed the lesser of 30 days per policy or 49% of the total number of coverage days.

Coverage for stable pre-existing medical conditions

　　Visitors who apply for Plan B can qualify for coverage even if they have a pre-existing medical condition, as long as they have been stable for 180 days prior to their coverage starting.

Coverage for stable pre-existing medical conditions with no medical questionnaire required

　　Visitors who apply for Plan B who are under 35 years of age can qualify for coverage without having to complete a medical questionnaire.

Protection for the entire family

　　Families travelling together who apply for Plan A will qualify for Family Coverage rates (up to age 54).

Additional protection against the unforeseen

　　Trip Cancellation and Trip Accident coverage can be purchased separately.

Trip Break coverage is included

This coverage allows visitors to return home without terminating their coverage, if they have received prior approval from the Assistance Centre.

Special deductible savings

　　Visitors can enjoy significant savings on their premiums by choosing a deductible of $500, $1,000, $2,500 or $5,000.

Affordable premiums

CoverMe Travel for Visitors to Canada insurance premiums are economical. Visit the rates page to learn more.

Worldwide travel assistance around the clock

　　If a visitor is faced with an emergency, our Assistance Centre is available to help them 24 hours a day, 365 days a year. Call toll-free from the US or Canada, or call collect from anywhere in the world and we'll be happy to help.

Applying is fast and easy

　　Apply in the comfort of your own home, whenever it's convenient for you.

From a company you can trust

　　CoverMe Travel insurance for Visitors to Canada is offered through Manulife Financial, (The Manufacturers Life Insurance Company), one of Canada's oldest and largest insurance providers.

Who Can Apply?

Who can apply?

To be eligible for coverage, all applicants must meet the following eligibility requirements:

• be a visitor to Canada;
• be a Canadian who is not eligible for benefits under a government health insurance plan issued by a Canadian province or territory;
• be a person who is in Canada on a work visa; or
• be a person awaiting government health insurance coverage from a Canadian province or territory.

To be eligible for Plan A, applicants must:

• 　　be at least 30 days of age and no older than 85 years of age (69 if purchasing $150,000 single-trip emergency medical coverage or the Multi-Trip plan).

To be eligible for Plan B, applicants must:

• be no older than age 85 (69 if purchasing $150,000);
• truthfully answer 'No' to all questions on the Medical Questionnaire if they are age 35 years or older.

Application and Medical Questionnaire

　　To apply for coverage, you must complete the application for insurance no longer than 365 days prior to the effective date of insurance.

• The policy is issued for no more than 365 days.
• Application for insurance may be made before or after arrival in Canada. You will be subject to a waiting period if insurance is purchased after arrival in Canada.
• You may not be covered under more than one of our emergency medical plans at a time during a trip.
• A $75 (CAD) deductible will apply to each Emergency Medical claim made under this policy, unless you select No Deductible, or $500, $1,000, $2,500, or $5,000 Deductible option and paid the appropriate premium.
• All applicants must meet the Eligibility Requirements. Plan B applicants age 35 years or more must complete the Medical Questionnaire to determine eligibility for Plan B.

You are not eligible for coverage for any plan if:

• you are travelling against the advice of a physician;
• you have been diagnosed with a terminal illness with less than 2 years to live;
• you have a kidney condition requiring dialysis;
• you have used home oxygen during the 12 months prior to the date of application;
• you have been diagnosed with Alzheimer's or any other form of dementia;
• you are under 30 days or over 85 years of age (over 69 years of age for $150,000 Emergency Medical coverage) on your effective date;
• you reside in a nursing home, home for the aged, other long term care facility or rehabilitation centre; and/or
• you 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.

What Is Covered?

Choose the coverage that suits your needs

　　This chart gives a brief overview of the comprehensive travel insurance coverage CoverMe Travel offers Visitors to Canada. For detailed information on our plans, please choose Single-Trip plans or Multi-Trip plans.

For more detailed information outlining all the policy details, you can read the policy.

Insurance Offered	Coverage Amounts (Per Insured Per Trip in $CAD)
Emergency Medical	Single-Trip Plan: $15,000, $25,000, $50,000, $100,000 or $150,000 Multi-Trip Plan: $150,000
Side Trips Outside Canada	Both Single-Trip and Multi-Trip plans include coverage while travelling outside Canada (excluding your country of origin) as long as your side trip originates and terminates in Canada and does not exceed the lesser of: 30 days per policy or 49% of your total number of coverage days.
Trip Interruption	Up to $1,500 for Single Coverage Up to $5,000 for Family Coverage
Travel Accident	Up to $50,000 for death or double dismemberment Up to $25,000 for single dismemberment
Emergency Medical Top-Ups	Single-Trip Emergency Medical Plan A can be used to top up Multi-Trip Emergency Medical Plan A. Single-Trip Emergency Medical Plan B can be used to top up Multi-Trip Emergency Medical Plan B.

Coverage Start and End Dates:

Plan	Coverage Starts (effective date)	Coverage Ends
Single-Trip Plans	On the later of: the effective date of insurance; or the time and date you arrive in Canada from home	On the earliest of the following: each time you leave Canada to return home; when the number of days of coverage you purchased, as shown in your confirmation, expires; no more than 365 days after your effective date of insurance; or the first day you become insured under a government health insurance plan
Multi-Trip Plans	the time and date you arrive in Canada from home. Thereafter, the time and date of each arrival in Canada from home	On the earliest of the following: each time you leave Canada to return home; when the number of days of coverage you purchased, as shown in your confirmation, expires; no more than 365 days after your effective date of insurance; or the first day you become insured under a government health insurance plan

　　Please note: The applicable waiting period applies to any sickness or illness if you purchased insurance after your arrival in Canada, except in the case of accidental bodily injury.

Waiting Period:

　　A waiting period applies if the insurance is purchased after arrival in Canada and applies to any sickness or illness. The waiting periods are:

• the 48-hour period following the effective date of insurance if the insurance is purchased within 30 days of arrival in Canada; or
• the 8-day period following the effective date of insurance if the insurance is purchased more than 30 days after arrival in Canada.

The waiting period will be waived:

• in case of accidental bodily injury; or
• if you purchased this policy prior to the expiry date of an existing Visitors to Canada policy already issued by Manulife Financial, to take effect on the day following such expiry date, provided that there is no increase in the coverage amount or change in the Plan you select.

Refunds and Extensions:

Refunds:

You can obtain a refund of premium if:

• you cancel your policy at any time before the effective date of insurance; or
• you obtain Canadian government health insurance plan coverage, or return home before the date you were scheduled, as per your confirmation, and have not reported or initiated a claim or been provided with any assistance services; you may ask for a refund of the premium for the unused days of the trip. The refund request must not be for less than $25.

　　Simply contact us to ask for a refund and provide proof of the date you actually returned home or the effective date of your Canadian government health insurance plan coverage. All travellers insured under the same policy must return together or have effective Canadian government health insurance plan coverage, for a refund to be possible.

Extensions:

　　Automatic extension of your coverage is provided beyond the date you were scheduled to return home as per your confirmation if:

• your carrier is delayed. In this case, we will extend your coverage for up to 72 hours;
• you are hospitalized. In this case, we will extend your coverage during the hospitalization and for up to 5 days after discharge from the hospital;
• you have a medical condition that does not require hospitalization but prevents travel. In this case, we will extend your coverage for up to 5 days.

　　In any case, we will not extend your coverage beyond 12 months after your effective date of insurance.

　　To extend your coverage, you must make your request before your expiry date or the date you were scheduled to return home as per your confirmation. If you have not had a change in your health status, submitted a claim, or had an event that has resulted in or may result in a claim against the policy, the extension may be issued upon request. If you have, the extension is subject to the approval of the Assistance Centre. A minimum premium of $25 will apply.