Travel Insurance

Product Name	Manulife Financial Travel Insurance
Product Overview	Whether you are planning a trip, or expecting visitors to Canada, it's wise to obtain emergency travel coverage to be financially protected from unexpected emergencies that may happen prior to or during your trip.
	Travelling Outside of Canada
Product Options	Single-trip plan: provides out-of-province coverage for one trip for the number of days purchased. No age limit. Multi-trip plan: provides coverage for an unlimited number of trips during the policy year for the number of days purchased. Choose from 4, 10, 18 and 30-day plans. Available up to age 84. All-Inclusive plan: provides several benefits all in one plan. Covers emergency medical, trip cancellation and interruption, baggage loss, delay & damage, flight accident and travel accident. Travel Canada plan: provides emergency medical insurance if all travel is within Canada at 50% of the regular single-trip plan. Trip cancellation/interruption plan: may be purchased as part of an All-Inclusive plan or separately.
Available Benefits	Emergency medical insurance: covers up to $5,000,000 CAD for expenses as a result of emergency medical attention required during your trip. Trip cancellation/interruption insurance: covers up to $3,000 per insured per tip (up to a maximum of $5,000 per policy year for a Multi-Trip All-Inclusive plan) if you are unable to travel or trip is interrupted due to a covered event. Baggage loss, damage & delay: covers up to $1,000 per trip (up to a maximum of $3,000 per policy year for a Multi-Trip All-Inclusive plan) for loss or damage to your baggage an covers you up to $500 per trip (up to a maximum of $1,500 per policy year for a Multi-Trip All-Inclusive plan) for baggage delay. Flight accident: $100,000 for death or double dismemberment or $50,000 for single dismemberment. Travel accident: covers $50,000 for death or double dismemberment or $25,000 for single dismemberment.
Available Discounts (age nearest)	15% - 50% deductible savings 50% Travel Canada discount Family coverage (up to age 54) for some plans
Medical Questionnaire	Eligibility requirements must be met for all applicants age 55 and over. A medical questionnaire is necessary for the following: Age 55 - 74 and traveling for 18 days or more Age 75 or older The medical questionnaire determines the rate category and pre-existing condition stability requirement.
	Visitors to Canada
Target Market	Visitors to Canada Canadians who are not eligible for benefits under a government health insurance plan Persons who are in Canada on a work or student visa New immigrants who are waiting for government health insurance plan coverage
Product Options	Single-trip plan: provides emergency medical coverage up to the chosen among for one trip for the number of days purchased. Multi-trip plan: provides $150,000 of emergency medical coverage for an unlimited number of 30-day trips to Canada during a one-year period. Available up to age 69. Trip interruption coverage: an optional benefit which covers the pre-paid non-refundable and non-transferable portion of your trip, should it be interrupted due to a covered event and you are required to return to your home country. Travel accident coverage: an optional benefit which covers up to $50,000 CAD for an accidental bodily injury or death.
Available Plans	Plan A - does not provide coverage for any pre-existing medical conditions. Plan B - provides coverage for pre-existing medical conditions as long as you are stable for 180 days before coverage starts. This plan is available for residents of certain countries or districts, but is not available for those under age 35 or over the age of 85 (69 for the $150,000 plan).
Coverage Levels	Under age 85 - $25,000, $50,000 or $100,000 Under age 69 - $150,000
Available Savings	15% discount for a $500 deductible - 20% discount for a $1,000 deductible discount Family coverage (Plan A for up to age 54, for Travel Accident and Trip Interruption)
Medical Questionnaire	Medical questionnaire required for the following: Plan B