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| For age 79 and under, Yes. If stable 120 days before effective date | For age 79 and under, Yes. If stable 120 days before effective date | Under Plan B, benefits are payable for a pre-existing condition that is stable within 180 days of the effective date. | For age 85 and under, Yes. If stable 180 days before effective date (NOTE: age over 59 needs to fill out the medical questionnire in order to cover stable chornic condition) | Sickness, injury or medical condition requires no medical consultaion, prescription medication, medical treatment or hospitalization within 180 days preceding the effective date |
| For age 85 or under, purchase anytime after arrival, 48 hours waiting period; Age 86 and over, 15 days waiting period. If you purchased this policy 183 days or more after your arrival in Canada, there is a 7 days waiting period. | For age 85 or under, purchase anytime after arrival, 48 hours waiting period; Age 86 and over, 15 days waiting period | 48-hour period following and including your effective date of insurance if you purchase your policy: • after the expiry date of an existing Manulife Visitor to Canada policy; or • after you arrive in Canada. | For age 85 and under, if purchase within 30 days of arrival, 72 hours waiting period; if purchase after 30days, 7 days waiting; For age 86 and older, 15 days waiting | |
| Age 85 and under, $0/$50 deductible; Age 86 and above, $500 per cover trip | Age 85 and under, $0/$50 deductible; Age 86 and above, $500 per cover trip | $0, $75, $500, $1000, $2500, and $5000 | Age 85 and under, $0 deductible with 5%surcharge; $50 deductible per policy per insured; $250 deductible with 10% off per policy per insured;
Age 86 and above, $500 deductible per policy per insured | $50 deductible per claim; 5% savings for $100 deductible;
10% savings for $250 deductible |
| Cover Air flight accident up to sum insured | Cover Air flight accident up to sum insured | | | |
| No medical questionnaire required | No medical questionnaire required | Plan B with age 40 and above | Age 70-85, if require pre-existing covered; or age 86 and above | Age 70-79,requires and approved in writing by TIC; age 80 or over, requires and approved in writing by TIC |
| Cover anywhere traveling except own country, provided more than 50%time in Canada | Cover anywhere traveling except own country, provided more than 50% time in Canada | This insurance provides coverage while travelling outside Canada (excluding your country of origin), as long as your side-trip originates and terminates in Canada and does not exceed the lesser of: 30 days per policy or 49% of your total number of coverage days as stated on your confirmation. | Cover anywhere traveling except own country, provided more than 50%time in Canada | Cover anywhere traveling except own country, provided more than 50%time in Canada |
| No charge before effective date; $25 after; net amount less than $10 will not be refund | No charge before effective date; $20 after; net amount less than $10 will not be refund | | | $10 for full refund; $25 for partial refund; Net amount less than $10 will not be refund |
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| Around 4-6 weeks processing | Around 4-6 weeks processing | | Request physician signature | Request physician signature and report |
| Cover Acupuncture up to$500 purchase 1 year policy; Caculate premium base on application date not effective date | Cover Acupuncture up to $500 purchase 1 year policy; Caculate premium base on application date not effective date | | Acupuncture when received a written medical referral from a "Physician"; | |
| If no claim, process online within 7 days before policy expires; if have claim, call to extend, subject to approval | Max coverage period 365 days up to age 85 inclusively and 180 days for persons age 86 years old or older. Extension must be approval. | | | Process online if there is no previous claim |
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