What’s Not Covered Under Manulife Visitors Insurance

What’s Not Covered Under Manulife Visitors Insurance

Exploring the world with the assurance of emergency medical insurance is a smart move, but it’s crucial to understand what falls outside the coverage. In this blog post, we dissect the intricate details of Manulife’s policy, revealing what’s not covered under emergency medical insurance for visitors. Let’s navigate the exclusions to ensure you have a clear understanding of your insurance limitations.

Exclusions: What’s Not Covered Under Manulife Emergency Medical Insurance:

1. Sickness during the Waiting Period: Expenses related to any sickness manifesting during the waiting period are not covered.
2. Pre-existing Conditions – Plan A:
   • Any medical condition within 180 days prior to the effective date.
   • Heart condition if nitroglycerine was required in the 180 days before the effective date.
   • Lung condition if oxygen or Prednisone was required in the 180 days before the effective date.
3. Pre-existing Conditions – Plan B:
   • Unstable pre-existing conditions in the 180 days before the effective date.
   • Heart condition if nitroglycerine was required in the 180 days before the effective date.
   • Lung condition if oxygen or Prednisone was required in the 180 days before the effective date.
4. Multiple Hospitalizations for Pre-existing Conditions: Expenses for a pre-existing condition requiring hospitalization more than once in the 12-month period before the effective date are not covered.
5. Exceeding Reasonable and Customary Charges: Covered expenses that exceed reasonable and customary charges at the emergency location are not covered.
6. Exceeding Maximum Insured Amount: Covered expenses exceeding the maximum insured amount under the purchased plan are not covered.
7. Inaccurate Information on the Application: Any expenses or benefits are not covered if the information on the application is not truthful or accurate.
8. Late Hospitalization Notification: Covered expenses exceeding 80% if the Assistance Centre is not contacted within 24 hours of hospitalization, unless medically impossible.
9. Non-emergency Treatment: Any treatment that is not for an emergency is not covered.
10. Continued Treatment After Emergency Resolution: Continued treatment for a medical condition after the emergency has ended is not covered.
11. Specific Diagnostic Procedures: Procedures like MRI, CAT scans, and cardiovascular surgeries are not covered unless approved in advance.
12. Anticipated or Known Medical Conditions: Medical conditions known or anticipated before departure, requiring treatment during the trip, are not covered.
13. Injuries or Sickness During Trip Breaks: No coverage for injuries or sickness that start or are treated during a trip break taken outside of Canada.
14. Extreme Sports and Professional Activities: Emergencies resulting from mountain climbing, parachuting, and professional participation in sports are not covered.
15. Self-inflicted Injuries: Injuries intentionally inflicted are not covered unless related to a mental health illness.
16. Criminal Acts: Injuries or expenses related to committing or attempting to commit a criminal act are not covered.
17. Non-compliance with Therapy or Treatment: Any loss resulting from not following a recommended or prescribed therapy or treatment is not covered.
18. Intoxication or Substance Dependence: Losses related to intoxication, misuse, abuse, overdose, or chemical dependence on substances are not covered.
19. Minor Mental or Emotional Disorders: Losses resulting from minor mental or emotional disorders are not covered.
20. Pregnancy and Routine Prenatal Care: Routine prenatal care, pregnancy, childbirth, and complications thereof within nine weeks of the expected delivery date are not covered.
21. Birth Defects for Insured Children Under 2: Medical conditions related to birth defects for insured children under 2 are not covered.
22. Unauthorized Benefits: Any benefit that must be authorized or arranged in advance by the Assistance Centre and wasn’t is not covered.
23. Failure to Return After Recommended Evacuation: Emergencies after recommended return from emergency treatment are not covered if you choose not to return.
24. Injuries While Piloting Aircraft: Injuries sustained while piloting, learning to pilot an aircraft, or acting as a member of an aircraft crew are not covered.
25. Post-Departure Medical Conditions: Any medical condition appearing or diagnosed after the scheduled departure date and before the effective date of a subsequent policy is not covered.
26. Follow-up Visits Outside Canada: Follow-up visits for emergencies that occurred in Canada are not covered if outside the country.
27. Travel Advisories: No coverage for emergencies in specific countries under government travel advisories.
28. War or Terrorism: Acts of war or terrorism are not covered under the policy.

Conclusion: Understanding what’s not covered under Manulife Emergency Medical Insurance is as crucial as understanding the coverage itself. Be informed, plan wisely, and travel with confidence, knowing the limits and exclusions of your insurance policy. Safe travels!