PrimeLink Travel Insurance
Individual Medically Underwriting plan
This policy is underwritten
by Manulife Financial
PrimeLink TravelSense is
emergency medical insurance that covers fully
disclosed pre-existing conditions without a stability clause. It
is an individual medically underwriting plan and the cost of your
insurance is based on your own specific health
situation. Even if you have been denied coverage before, it's
possible that you can apply for this plan. All you have to do is fully disclose
your pre-existing conditions.
It is necessary to declare
ALL medical conditions, that, in the last 5 years, have been diagnosed,
or that the traveller has received treatment or taken medication for.
All declared conditions will be
covered while traveling.
Who can apply:
TO BE ELIGIBLE FOR THIS
INSURANCE, you must be a resident of Canada, and covered under a
government health insurance plan
for the entire trip length.
coverage you will have
To be eligible for Emergency Medical coverage,
if as of the date you apply for coverage and the effective date,
are a resident
of Canada and covered under a government health insurance plan for
the entire duration of your trip;
travelling contrary to medical advise;
are not awaiting investigative testing or
treatment of an unresolved condition (Reference to testing, tests, test results, or investigations
excludes genetic tests);
do not require kidney dialysis;
have not used or
been prescribed home oxygen for a lung condition in the past 12 months;
never had, or are not awaiting a stem cell, organ or bone marrow transplant;
do not have a terminal
illness for which a physician
has estimated you have less than
six (6) months to live;
do not have
metastatic cancer (cancer that has spread from the original site to
another place in your body).
If you have any change
in your health status and/or change in medication or treatment,
between the date you completed the application for this coverage and your effective date,
you must notify
the insurer by calling
1 800-509-5831 or
Otherwise, any such change may render your coverage null and void.
You can also buy Canada Emergency Medical Plan,
which provides emergency medical
benefits at half the premium when all travel is within Canada
only (outside your province of residence).
Age means your
age on the application date. No maximum age limit.
The following deductible options are
* $USD per insured per
may cancel your policy prior to your policy
If you return home early, you may request a
refund of premium (minimum $25) for the unused coverage days of your trip
providing there has been or will be no claim reported or initiated,
that you have not been provided with any assistance services.
You will have to
send to the company your written request with proof of the
date you actually returned home.
If you are already on your trip and need to apply for an
extension of your coverage, before
the expiry date of your existing coverage. You may be able to extend your coverage, as
the total length of your trip, including
the extension, does not exceed the maximum
allowed by your government health insurance
plan (180-212 days
depending on your province of residence);
you pay the additional premium
there has been no
event that has
resulted or may result in a claim against the policy; and
has been no change in your health status.
medical coverage is provided beyond your policy
expiry date at no
additional premium :
72 hours days in the event your common carrier
or vehicle is delayed;
If you or your travel companion are
hospitalised on the expiry date, for the remaining period of your hospital confinement
(up to a maximum of 365 days) plus
5 days after discharge from the hospital; or,
5 days if you
your travel companion are unable to travel on your scheduled return date but you are not hospitalized.
includes the following Emergency
Up to $10
Emergency medical treatment
Reasonable and customary charges for medical care
received from a physician in or out of a hospital;
cost of a semi-private hospital room (or an intensive or
coronary care unit where medically necessary);
services of a licensed private duty nurse while you are
The rental or purchase (whichever is less)
of a hospital bed, wheelchair, brace, crutch or other
that are needed to diagnose or
find out more about your condition;
prescribed and are available only by
prescription from a physician or
Coverage for professional medical services due to
covered risk, up to
$70 per visit
for a covered injury
Reasonable and customary charges for
local licensed ambulance to
transport you to the nearest
appropriate medical service provider
in an emergency
Emergency dental treatment
Up to $300 for the relief of dental
pain ; and/or
Accidental blow to mouth - up
to $3,000 to repair or replace
The following benefits
must be pre-approved and arranged by
the Assistance Centre
Expenses related to death
Up to $5,000
Expenses to bring you home
If recommended by attending physician;
including air ambulance
transportation if this is medically
Visit to bedside
the insured is
and hospitalised for 3 days or more
because of a medical emergency, the
company will pay the economy class
airfare for someone to be with you.
Return of children in the care of
the insured is
and hospitalised for more than 24
hours or must return home
because of an emergency, the company
will pay for extra cost of one-way
economy class airfare to return the
children home. The children must be
covered under a policy underwritten
return your travel companion home
If you return home early because of
emergency, the insurer will pay
extra cost of one-way economy class
airfare via the most cost-effective
itinerary, to return your travel
companion insured under Manulife
insurance policy home
Additional expenses for meals,
phone calls and taxi
Reimbursement of up to $200 per day
to maximum of $2,000 for extra
meals, hotel, and taxi fare, if a
medical emergency prevents you or
your travel companion from returning
home as planned.
Return home of vehicle
Up to 3,000 charged by a commercial
agency to bring your vehicle home.
When travelling to the US, Mexico and the Dominican Republic :
24/7 access to physician house call visits in select cities in the US, Mexico and the Dominican Republic;
co-ordination to an Emergency Room;
consulting physician will fast track you through the Emergency Room in select cities in the US,
Mexico and the Dominican Republic,
etc. Please refer to the Policy wording (pg. 3) for details .
this service simply call the
Assistance Centre using the
phone numbers indicated on the
The company will not pay any expenses or benefits relating to:
Any pre-existing condition not listed on the Medical Underwriting Agreement and/or misrepresented or not disclosed during your recorded Medical Underwriting application.
Any change in your health status occurring after your application date and not reported prior to your effective date.
Any emergency if the answers provided in the medical questionnaire are not truthful and accurate.
Covered expenses that exceed 80% of the cost we would normally have to pay under this insurance, if you do not contact the Assistance Centre at the time of the emergency.
If your medical condition makes it medically impossible for you to call, please have someone call on your behalf.
Any non-emergency, investigative or elective treatment.
The continued treatment of a medical condition when you have already received emergency treatment
for that condition during your trip and our medical advisors determine that your medical emergency has ended.
A medical condition:
- when you knew before your effective date of coverage, that you would need or be required to seek treatment for that medical condition during your trip; and/or
- for which it was reasonable to expect before your effective date that you would need treatment during your trip; and/or
- for which future investigation or treatment was planned or advised by your physician before your effective date; and/or
- which produced symptoms that would have caused an ordinarily prudent person to seek treatment in the three (3) months before your effective date; and/or
- that had caused your physician to advise you not to travel.
Treatment if you specifically purchased this insurance to obtain such treatment whether or not it was authorized by a physician.
Not following recommended or prescribed therapy or treatment.
For insured children under two (2) years of age any medical condition related to a birth defect.
A mental or emotional disorder (other than acute psychosis) that does not require admission to a hospital.
Any treatment, services or supplies not medically necessary, or any medical procedures and/or tests
(including MRI, MRCP, CAT Scan, CT Angiogram, Nuclear Stress Test, Angiogram or Cardiac Catheterization) not authorized by the Assistance Centre in advance.
All surgery must be authorized by the Assistance Centre prior to being performed except in extreme circumstances where surgery is performed on an emergency basis.
Any benefit that must be authorized or arranged in advance by the Assistance Centre when it has given no authorization or made no arrangement for that benefit.
Any emergency that occurs or recurs after our medical advisors recommend that you return home following your emergency treatment, and you choose not to.
For policy extensions: any medical condition which first appeared, was diagnosed, or treated after the scheduled departure date and
prior to the effective date of the insurance extension.
Please refer to the
policy wording for a full list of exclusions
NOTE: The product-related information is for illustration purpose
for details on the coverage
conditions, exclusions, limitations
and claim procedure.
have questions about this insurance coverage, or you want to apply for a policy, please call at
click here to ask your
to do if you get sick or injured.
your policy confirmation with you at all times. In the event of
sickness or injury which may result in claim,
please contact the ASSISTANCE CENTRE at the telephone numbers
shown on your policy confirmation and the
Emergency phone numbers: Toll-free from
the USA & Canada - 1-877-251-5107; collect to
Canada from anywhere else in the world - +1(519)251-5107.
The Assistance Centre will communicate with your medical
provider, arrange direct billing where possible and coordinate
payment of the emergency service received.
You can use
TravelAid mobile app
for immediate access to the company's Assistance Centre when you are travelling.
the app, visit:
The TravelAid mobile app can also
provide you with directions to the nearest medical facility,
local emergency telephone numbers (such as 911 in North
America), and pre- and post-departure travel tips.
Notice regarding claim procedure !
Please note that if you do not call the Assistance Centre
in an emergency prior to receiving treatment,
you will have to pay 20% of the eligible medical expenses
which are normally paid under this policy (20% co-insurance).
If it is medically impossible for you to contact the Assistance Centre
when the emergency happens, the 20% co-insurance will not apply.
In this case, we ask that you contact the Assistance Centre as soon as you can or have someone do so your behalf.
If you choose to pay eligible expenses directly to a health service provider
without prior approval by the Assistance Centre, these eligible expenses will be reimbursed to you
on the basis of the reasonable and customary charges that would have
been paid directly to such provider.
Medical charges that you pay may be higher than this amount; therefore,
you will be responsible for any difference between the amount
you paid and the reasonable and customary charges reimbursed by us.
Some benefits are not covered
if they have not been authorized and arranged by the Assistance Centre.
To make a claim due to illness or injury during your trip, your proof of claim must be sent to
the Assistance Centre within ninety (90) days of your loss.