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Manulife Visitors to Canada Insurance provides emergency medical coverage for people who are not enrolled in a Canadian provincial health care plan — including visitors, immigrants and permanent residents awaiting provincial coverage, work permit holders, Super Visa applicants and holders, foreign students, and Canadians returning home after a long absence. Two plans are available: Plan A for healthy travellers, and Plan B for those wishing to cover stable pre-existing conditions. Policies can be purchased for up to 365 days and are available Canada-wide through OnVoyage, a licensed insurance broker. Plans are underwritten by The Manufacturers Life Insurance Company and First North American Insurance Company (FNAIC), a wholly owned subsidiary of Manulife.
Up to $150,000Emergency medical coverage
Ages 30 days–85($150K available to age 69)
Up to 365 daysPer policy period
24/7Manulife Travel Assistance
Available Plans & Coverage Amounts
| Plan | Pre-existing Conditions | Coverage Amounts | Age Limits | Medical Questionnaire |
|---|
| Plan A |
Not covered |
$15,000 / $25,000 / $50,000 / $100,000 (to age 85)
$150,000 (to age 69) |
30 days – 85 |
Not required |
| Plan B |
Stable pre-existing conditions covered |
$15,000 / $25,000 / $50,000 / $100,000 (to age 85)
$150,000 (to age 69) |
30 days – 85 |
Required for applicants age 40 and over |
Canadian Super Visa: Select at least $100,000 in coverage for a 365-day policy period to meet the Super Visa insurance requirement from Immigration, Refugees and Citizenship Canada (IRCC). Both Plan A and Plan B qualify.
Key Benefits
- Emergency hospital and physician services
- Licensed ground and air ambulance transportation
- Professional services up to $700 ($70/visit): chiropractor, osteopath, acupuncturist, podiatrist, physiotherapist
- Emergency dental: up to $300 for pain relief
- Bringing someone to your bedside (up to $3,000)
- Meals, hotel, phone, and taxi (up to $150/day; max $1,500)
- Repatriation of remains (up to $3,000)
- Medical evacuation home
- Return home of dependent children
- Childcare expenses (up to $100/day; max $300 per trip)
- Hospital allowance for private room (up to $300)
- Trip break to return home during policy period
- Prescription drugs during hospital stay
- Medical appliance rental
Pre-existing Conditions (Plan B)
Under Plan B, stable pre-existing conditions may be covered subject to the policy's stability definition and conditions. A pre-existing condition is not considered stable if, in the required period before the effective date of coverage, there were new symptoms, a change in medication or dosage, a new or changed treatment, or a hospital admission or pending test results related to that condition.
Plan B — Medical questionnaire: Applicants age 40 and over are required to complete a medical questionnaire to apply for Plan B. Coverage of pre-existing conditions is subject to approval based on the information provided. Applicants under 40 do not require a questionnaire for Plan B.
Key Exclusions
- Pre-existing conditions not disclosed or not stable per the policy definition (applies to both plans)
- Any conditions excluded based on the medical questionnaire review (Plan B)
- Routine check-ups, elective treatments, and rehabilitation
- Pregnancy, childbirth, and related complications
- Mental health disorders (subject to policy limits)
- Self-inflicted injuries or suicide attempts
- Use of alcohol, drugs, or intoxicants
- Dental treatment other than pain relief emergencies
- War, civil unrest, or participation in illegal acts
- Immigration-related medical or legal consultations
Claims & Emergency Assistance
Contact Manulife Travel Assistance before visiting any hospital or clinic. Failure to notify the Assistance Centre may result in reduced benefit payments. If you cannot call due to your medical condition, a relative or medical staff member must notify within 24 hours. The toll-free number appears on your insurance certificate.
Frequently Asked Questions
- Who is eligible for Manulife Visitors Insurance?
- Anyone between 30 days and 85 years of age who is not covered by a Canadian provincial health plan: visitors, immigrants and permanent residents awaiting provincial enrollment, work permit holders, Super Visa applicants and holders, foreign students, and Canadians returning after a long absence.
- What is the difference between Plan A and Plan B?
- Plan A is for visitors who are healthy or do not need pre-existing condition coverage. Plan B covers stable pre-existing conditions and requires a medical questionnaire for applicants age 40 and over. Both plans offer the same coverage amounts and policy durations.
- Does this qualify for the Canadian Super Visa?
- Yes. Select at least $100,000 in coverage for a 365-day policy period to meet the Super Visa insurance requirement. Both Plan A and Plan B can be used for Super Visa applications.
- Can coverage be purchased after the visitor has arrived in Canada?
- Yes. Coverage can be purchased up to 365 days prior to arrival or after arrival. If purchased after the visitor has arrived, contact Manulife or OnVoyage to confirm whether a waiting period applies for illness-related claims.
- Are pre-existing conditions covered?
- Under Plan A, pre-existing conditions are not covered. Under Plan B, stable pre-existing conditions may be covered, subject to the stability definitions and conditions in the policy. Applicants age 40+ must complete a medical questionnaire for Plan B.
- How long can the policy last?
- Policies cover up to 365 days per contract period. Extensions may be available if you remain eligible and have not had a claim during the current period.
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