A Medical Emergency condition:
- Coverage is for immediate medical treatment required for: i) a sudden, unexpected injury or a new medical condition which occurs while an insured person is travelling outside his province of residence; or ii) a specific medical problem or chronic condition that was diagnosed but medically stable prior to departure. Such emergency no longer exists when, in the opinion of the attending Physician and supporting medical evidence, the insured person is stable enough to return to his province of residence.
- Coverage is available for medical emergencies related to pregnancy as long as travel is completed at least 4 weeks before the due date.
- Valid Government Health Insurance Plan (GHP) coverage is required for you and your dependents.
a) 24-Hour Access
Multilingual assistance is available 24 hours a day, seven days a week, through telephone (toll-free or call collect), telex or fax.
b) Medical Referral
Referral to the nearest Physician, Dentist, pharmacist or appropriate medical facility, and verification of insurance coverage, is provided.
c) Claims Payment Service
If a hospital or other provider of medical services requires a deposit or payment in full for services rendered, and the expenses exceed $200 (Canadian), payment of such expenses will be arranged and claims co-ordinated on behalf of the insured person.
Payment and co-ordination of expenses will take into account the coverage that the insured person is eligible for under a Provincial Plan and this benefit. If such payments are subsequently determined to be in excess of the amount of benefits to which the insured person is entitled, Manulife Financial shall have the right to recover the excess amount by assignment of Provincial Plan benefits and/or refund from you.
d) Medical Care Monitoring
Medical care and services rendered to the insured person will be monitored by medical staff who will maintain contact, as frequently as necessary, with the insured person, the attending Physician, the insured person’s personal Physician and family.
e) Medical Transportation
If medically necessary, arrangements will be made to transfer an insured person to and from the nearest medical facility or to a medical facility in the insured person’s province of residence. Expenses incurred for the medical transportation will be paid, as described under Medical Services and Supplies – Ambulance. If medically necessary for a qualified medical attendant to accompany the insured person, expenses incurred for round-trip transportation will be paid.
f) Return of Dependent Children
If Dependent Children are left unattended due to the hospitalization of an insured person, arrangements will be made to return the children to their home. The extra costs over and above any allowance available under pre-paid travel arrangements will be paid.
If necessary for a qualified escort to accompany the Dependent Children, expenses incurred for round-trip transportation will be paid.
g) Trip Interruption/Delay
If a trip is interrupted or delayed due to an illness or injury of an insured person, one-way economy transportation will be arranged to enable each insured person and a Travelling Companion (if applicable) to rejoin the trip or return home. Expenses incurred, over and above any allowance available under pre-paid travel arrangements will be paid.
A Travelling Companion is any one person travelling with the insured person, and whose fare for transportation and accommodation was pre-paid at the same time as the insured person’s fare.
If the insured person chooses to rejoin the trip, further expenses incurred which are related directly or indirectly to the same illness or injury, will not be paid.
h) After Hospital Convalescence
If an insured person is unable to travel due to medical reasons following discharge from a hospital, expenses incurred for meals and accommodation after the originally scheduled departure date will be paid, subject to the maximum of this provision.
i) Visit of Family Member
Expenses incurred for round-trip economy transportation will be paid for an Immediate Family Member to visit an insured person who, while travelling alone, becomes hospitalized and is expected to be hospitalized for longer than 7 days. The visit must be approved in advance by Manulife Financial.
j) Vehicle Return
If an insured person is unable to operate his owned or rented vehicle due to illness, injury or death, expenses incurred for a commercial agency to return the vehicle to the insured person’s home or nearest appropriate rental agency will be paid, up to a maximum of $1,000 (Canadian).
k) Identification of Deceased
If an insured person dies while travelling alone, expenses incurred for round-trip economy transportation will be paid for an immediate family member to travel, if necessary, to identify the deceased prior to release of the body.
l) Meals and Accommodation
Under the circumstances described in parts f), g), h), i), and k) of this provision, expenses incurred for meals and accommodation will be paid, subject to a combined maximum of $2,000 (Canadian) per medical emergency.