Traveling abroad offers exciting experiences, but it also comes with potential risks, especially concerning health. Unexpected medical emergencies can occur, leading to significant financial burdens and stress. This is where Manulife Travel Insurance steps in as your reliable safety net, providing comprehensive emergency medical benefits to protect you during your trips.
Key Emergency Medical Benefits of Manulife Travel Insurance
Manulife Travel Insurance offers a wide array of benefits designed to cover various emergency medical situations, ensuring you receive the necessary care and assistance when you need it most. These benefits are categorized to provide a clear understanding of the comprehensive protection offered.
Comprehensive Health Services
In case of a medical emergency, Manulife Travel Insurance ensures access to essential health services, including:
- Hospital and physician services: Coverage for necessary hospital stays, treatments, and consultations with physicians due to unexpected illness or injury.
- Paramedical services: Benefits for services from licensed paramedical practitioners like physiotherapists or chiropractors, when deemed medically necessary.
- Emergency dental treatment: Coverage for immediate dental care required to relieve sudden and acute pain, often a crucial benefit when traveling.
- Hospital allowance: Provides a daily allowance during hospitalization, helping with incidental expenses not directly covered by medical bills.
Emergency Transportation and Assistance
Transportation in medical emergencies can be critical and costly. Manulife Travel Insurance includes benefits for:
- Ambulance: Coverage for ambulance services to transport you to the nearest suitable medical facility in an emergency.
- Emergency medical return home: Arranges and covers the cost of your safe return home if a medical emergency requires you to be treated in your home country.
- Visit to bedside if traveling alone: If you are hospitalized alone, this benefit covers the cost for a loved one to visit you at your bedside, providing comfort and support.
- Return home of children in care of insured, travel companion, pet, vehicle: Ensures that your dependents, travel companions, pets, and vehicle are safely returned home if you face a medical emergency.
- Return of excess baggage: Covers the cost of returning excess baggage incurred due to your medical emergency and return travel arrangements.
Additional Protection for Unexpected Situations
Beyond medical and transportation costs, Manulife Travel Insurance offers additional protection for unforeseen disruptions:
- Extra meal, hotel, childcare and phone call costs: Reimburses for necessary extra expenses for meals, accommodation, childcare, and essential phone calls due to a covered medical emergency.
- Expenses related to death: In the unfortunate event of death, this coverage assists with expenses related to repatriation of remains or local burial arrangements.
- Terrorism coverage*: Provides coverage even in the event of medical emergencies arising from acts of terrorism, offering peace of mind in uncertain situations. *Benefits may be limited depending on the specifics of the event. Refer to the policy details for complete information.
Trip Interruption Coverage
Travel plans can be disrupted unexpectedly. Manulife Travel Insurance includes Trip Interruption Benefits to alleviate financial strain:
- Quarantine/Self-isolation benefits: Provides up to $200 per insured person per day (to a maximum of $2,800) for unplanned hotel and meal expenses if you are unexpectedly required to self-isolate or quarantine during your trip. Family coverage is also available up to $400 per day (to a maximum of $5,600).
Understanding COVID-19 Coverage
It’s crucial to understand the specifics of COVID-19 coverage under Manulife Travel Insurance:
- Vaccination Requirement for Full Coverage: Full $5 Million CAD coverage is available if you have received a full course of a Health Canada authorized COVID-19 vaccine before your trip, adhering to the manufacturer’s recommended timelines for effectiveness.
- Cruise Travel Considerations: For unvaccinated individuals (excluding children 11 years old or younger who are travelling with vaccinated guardians on cruises), this policy generally does not cover COVID-19 related complications on cruises or destinations within cruise itineraries. Vaccinated travelers and eligible children will have coverage.
- Exclusion of Mandated Testing Costs: Please note that this policy does not cover expenses for COVID-19 tests mandated by authorities for entry/exit requirements or for using transportation services.
Manulife Travel Insurance provides a robust shield against financial risks associated with medical emergencies and travel disruptions. Understanding these comprehensive benefits allows you to travel with greater confidence and peace of mind, knowing you have a reliable partner in Manulife to support you should the unexpected happen. For complete details and to choose a plan that best suits your travel needs, refer to the full policy documentation.
