manulife group benefits travel insurance

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Frequently asked questions (FAQ)

Questions about all our plans, questions about our plans for canadians.

Yes, by default our plans have a $0 deductible, but clients can save with higher deductibles on single-trip and multi-trip emergency medical plans:

Note: Deductible options are not available for all-inclusive (single-trip or multi-trip) plans.

Questions about our plans for visitors to Canada

Yes, by default our plans have a $75 deductible, but your client can pay a little more for a $0 deductible or save with higher deductibles on emergency medical plans:

Note: Deductible options are not available for trip interruption insurance.

Yes, with Plan A, whether or not your client adds trip interruption insurance. Family coverage is not available with Plan B. 

Family coverage covers the applicant, the appliant's spouse and dependent children, and all family members must be under age 60. The cost for Plan A emergency medical benefits (including travel accident insurance) is twice the premium for the oldest traveller under age 60. The cost for Plan A trip interruption insurance is three times the premium for the oldest traveller under age 60.

Questions about our plans for students

Your client can call the Assistance Centre to request an extension as long as the plan has not expired and:

• The period of coverage does not extend beyond 365 days
• The client remains eligible for insurance under this plan
• The plan is not changing from single to family coverage 

If your client has a medical condition or pending claim, the Assistance Centre must evaluate and approve the extension. 

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About Your Benefit Plan and What Your Benefit Plan Provides

Your IBEW Local 353 Benefit Plan is one of the most comprehensive benefit plans in the Ontario construction industry, covering you, your eligible spouse, and your dependents. Below is an overview of your benefit plan coverage. To learn more about your benefit plan, read your benefit plan booklet .

Benefit Providers & Resources

Canada life login.

Canada Life – 1-844-232-4239

Click here to login to Canada Life GroupNet.

All medical and dental claims for members and eligible dependents of the IBEW Local 353 are adjudicated and reviewed by Canada Life. Reimbursement is limited to reasonable and customary charges for all benefits. Consult your benefit booklet for more details or call your IBEW Local 353 Canada Life direct line at 1-844-232-4239 .

TEIBAS Tip: Remember you must submit claims to Canada Life  within 1 year of the date  you incurred the expense or your claim will not be paid.

By registering for Canada Life GroupNet, you will be able to instantly submit claims, review your claims history, and to access your self-directed Group RRSP. Click  here  to register for GroupNet for Plan Members.

Once you register you can download the Canada Life app through your Android or IOS App Store.

TEIBAS Tip: Keep your password private and secure to prevent fraudulent claim submissions.

Member Assistance Program — Telus Health

Telus Health – 1-866-289-6749

As a member of IBEW Local 353 you have the added benefit of your Member Assistance Program (MAP), Telus Health (formerly LifeWorks).

It’s support when you need it, for all kinds of issues. If you’re feeling stressed about work, family, finances, or need you need some help finding services for life’s complications, contact Telus Health. Your MAP provides 24/7 confidential short-term counselling at your fingertips anytime, anywhere whether online, on the phone, or on their app. Your MAP also offers a range of wellness tools and personalized recommendations such as digital clinical programs, and assessments to help you reach your health and fitness goals and keep you on track.

Your MAP is available 24/7/365: call the Care Access Centre toll-free at 1-866-289-6749 and indicate that you are a member of the IBEW Local 353. Or visit one.telushealth.com   | Username: canadalife | Password: telus1

Teledoc – 1-877-419-2378

Teladoc is a confidential service offered to you and your eligible dependents as part of your IBEW Local 353 benefits. Teladoc provides a comprehensive medical review of a medical diagnosis and provides a review of your treatment plan and can make recommendations that are best for you. Whether you need medical questions answered, a diagnosis double-checked, help deciding on a treatment plan, or guidance about a surgery, they provide an expert medical opinion when you need it most.

Teladoc Medical Experts provides a range of services that can help you: 

• Feel confident about your diagnosis and treatment options,
• Answer your medical questions and concerns,
• Find a specialist or treatment facility either within or outside of Canada, and 
• Navigate the healthcare system with useful resources.

If you’re in doubt, it’s best to call Teladoc — it’s a service that is available 24 hours a day, seven days a week and is completely confidential. For more information visit www.teladoc.ca/canadalife or call 1-877-419-2378 .

Travel Insurance

Travel Insurance 1-833-685-2790

If you are sick or injured while away from home, your travel medical insurance program provides important coverage. Your travel insurance is provided by Manulife. The travel medical emergency insurance and assistance plan covers a wide range of medical emergencies, but it doesn’t cover everything. When it comes to medical insurance it’s better to be safe than sorry — so know what’s covered and what’s not. Refer to the Travel Insurance Booklet and download your digital travel insurance card available at www.myteibas.com for coverage information.

Before you receive medical treatment: • Call Manulife using the numbers shown on your medical assistance card. • Tell the Manulife representative your group policy number: actives: ECK00013287 & retirees: ECK00013288 .

If you have a travel emergency, you must call one of the below numbers for Manulife immediately before seeking medical treatment:

• from Canada and the U.S. toll-free at  1-833-685-2790 , or
• from anywhere in the world call collect + 1-519-735-9448 .

Download the TravelAid mobile app here: www.active-care.ca/travelaid.

The app provides immediate access to the Assistance Centre is also available through its TravelAid mobile app. 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.

How Your Benefit Plan Works

Even though an insurance company processes benefit claims, most of your benefits, including drugs, health, vision, dental, short-term disability and the first 10 years of long-term disability payments, are self-insured. This means eligible claims are paid directly from the benefit plan by members’ earned contributions, and not the insurance company.   

As a member of IBEW Local 353 you become eligible for benefit coverage on the first day of the second month after TEIBAS receives 450 working hours of contribution, within a period of no more than six consecutive months. Once you’re eligible, TEIBAS deducts 135 bank hours every month to pay for your benefit coverage.  Any hours you work over 135 in a month are saved to your hour bank for future use. After becoming eligible, if you don’t have the required 135 hours to maintain benefit coverage in a month, the benefit plan will subsidize you if you qualify. (See your benefit booklet for more details.)

When you fully retire you may qualify for retiree benefits for you, your spouse, and any eligible dependants at no cost to you. In the event of your death, benefit coverage is extended to your surviving spouse and/or eligible dependents at no cost to them for 5 years. After that, they are eligible to continue in the plan by paying monthly premiums. 

Canada Life adjudicates claims for the benefit plan based on the coverage and provisions in the plan documents.

Benefit Coverage

The benefit plan has evolved over the years from providing basic drug and medical coverage to today’s comprehensive coverage that includes some of the best benefits in the Ontario construction industry.

 Examples of your excellent coverage include:  

• Eligible prescription drugs covered up to 100% with no deductibles or co-pays,
• Long-term disability coverage of up to $3,400 per month (no offset for receiving CPP disability benefits – and it’s payable until age 62 so long as you continue to meet the definition of totally disabled),
• $2,500 of paramedical coverage per insured, per year
• $2,500 of psychological services per insured, per year
• Comprehensive dental coverage,
• Life insurance of $150,000, and
• Fully retired benefit coverage at no cost.

Did you know? The benefit plan also subsidizes coverage for members when they are most vulnerable, which means benefit coverage is extended to eligible members at no cost to them when they are:

• Out-of-work due to a layoff, or
• Attending trade school, or
• Ill, injured or on disability/WSIB, and
• On an eligible leave under the Ontario Employment Standards Act .

For more information on your benefit plan, read your benefit plan booklet here  here or log into myteibas.com . If you’re an eligible member of the IBEW Local 353, click here to create an account on  myteibas.com and view details about your benefit coverage, pension entitlements, and the personal information we have on file for you.

• Single-Trip Emergency Medical 1 of 5
• Single-Trip All-Inclusive 2 of 5
• Single-Trip Travel Canada Emergency Medical 3 of 5
• Trip Cancellation & Interruption 4 of 5
• COVID19 Pandemic Travel Plan 5 of 5
• Multi-Trip Emergency Medical 1 of 2
• Multi-Trip All-Inclusive 2 of 2
• Emergency Medical Top-Up 1 of 1
• Emergency Medical Plan 1 of 1
• Canadian Studying in Canada Outside the Home Province 1 of 3
• International Student Studying in Canada 2 of 3
• Canadian Studying Outside Canada 3 of 3

Why is Travel Insurance important?

Travel insurance is important to help protect you, your family or visitors to Canada from costs that can occur due to an unforeseen medical emergency during a trip or an unexpected reason to cancel or interrupt a trip. Without it, travellers may be left to pay significant out of pocket expenses.

If you are looking for Single Trip Emergency Medical coverage, we have recently introduced a new plan that provides up to $5 Million for COVID-19 emergencies while travelling outside of Canada. See the COVID-19 Pandemic Travel Plan for more details.

Learn More About Our Plans

Travelling canadians.

The COVID-19 Pandemic Travel Plan is designed for Canadians travelling outside of Canada. It can help protect you against the cost of unexpected emergencies that may occur during your trip.

Manulife Financial Travel Insurance for Travelling Canadians is designed for Canadians travelling out-of-province or outside Canada. It can help protect you against the cost of unexpected emergencies that may occur before or during your trip.

Your government health insurance plan may only cover a fraction of healthcare expenses incurred outside Canada, and may only provide limited coverage. Without travel insurance, a medical emergency or trip interruption due to an emergency could be disruptive and leave you facing large unexpected expenses.

Visitors To Canada

Do you have family or friends coming to stay? Do they have health insurance to help protect them while they’re here? Are you visiting Canada and need health insurance while you are away from home?

When Visitors to Canada purchase Manulife Financial Travel Insurance before leaving home they will have coverage during their uninterrupted flight to Canada.

The Student plan offers those who are studying away from home a smart and economical way to help protect themselves against the cost of emergency medical and basic healthcare expenses and more.

Plans are available for full-time:

• International students studying in Canada or
• Canadian students studying outside their home province or outside of Canada.

Family coverage is also available for immediate family members residing with the student.

More From Forbes

How to save money on travel insurance if you’re over 60.

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Getting travel insurance when you're over 60 can be hard. Here's how to make it easier.

Dave Dzurick likes to play it safe when he travels, so he shops around for travel insurance. But lately, he's noticed that the policies have gotten more expensive.

"Each year past 60 seems to increase travel insurance rates," says Dzurick, a retired broadcast engineer from Tucson, Ariz.

It's not just his imagination.

"Age is the crucial underwriting factor in determining trip cancellation and medical assistance risk for the insurance provider," explains John Rose, the chief risk and security officer of ALTOUR .

Age is more important than ever in travel insurance

You would expect something like age-based pricing to be a constant in the travel insurance industry, but not necessarily. Some group travel insurance policies don't consider age. But a shift is underway.

Last year, when Travelex Insurance Services launched its new line of travel protection plans , it called out one enhancement: competitive age-band pricing, which bases its rates on each traveler’s risk level.

"We’re responding to the coverage and benefits our partners and travelers want," notes Brooke Kirby, Travelex vice president of marketing.

In other words, the rate you pay for travel insurance will be more closely aligned with your age than ever. That's good news if you're young. But if you're over 60, it can present a challenge.

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Google suddenly reveals surprise android update that beats iphone, ukraine has developed 15 kinds of long range strike drone and has sortied them against russia s oil industry, what is age-band pricing in travel insurance.

Rhonda Abedsalam, vice president of Travel Insurance at AXA Partners US , says age-band pricing is a mechanism designed to align prices with the real risks associated with each age group.

"It provides a fair and balanced approach to travel insurance," she says.

Specifically, this method offers younger travelers access to more affordable options, preventing them from bearing the brunt of a one-size-fits-all pricing strategy. She says older travelers who are looking for lower rates can choose plans offering minimal coverage for a cost-effective solution.

"We always advocate for choosing a plan that balances affordability with comprehensive coverage," she says.

That's a position the US Travel Insurance Association (USTIA) agrees with. When I asked about age-band pricing, a representative advised me that it’s important to understand the plan you are purchasing — what is and isn’t covered — and the level of medical expense and medical evacuation limits offered.

"Never purchase based on price alone," says Robert Gallagher, USTIA's president.

Your travel insurance rates may vary

Pricing travel insurance based on age makes sense, say experts.

"There's a higher risk for claims, primarily due to health concerns," explains PK Rao, CEO of INF Visitor Care .

How much more expensive? Consider medical insurance. A 65-year-old U.S. citizen, for example, might pay $9 a day for international travel insurance with a $1 million coverage limit. On the other hand, an 85-year-old American might pay $31 a day for that same insurance policy, according to Joe Cronin, CEO of International Citizens Insurance .

"Fortunately, there are more affordable options for seniors who are more budget-conscious," he says.

How to lower your travel insurance rates if you're over 60

"The easiest way to lower your costs would be to Benjamin Button it and get younger," jokes Michal Wieczorek, global client relations and intelligence specialist at Insured Nomads .

Seriously, though, he says choosing higher deductibles and lower medical maximums can cut your insurance costs. He says some insurers specialize in benefits for older travelers but cautions buyers to be careful.

"Read the fine print, because certain benefits may decrease or be eliminated above certain ages, especially things like accidental death and dismemberment and evacuation benefits," he adds.

There's a difference between retail travel insurance and group insurance, adds Dan Skilken, president of Tripinsurance.com.

"Retail travel insurance policies are price-sensitive based on age, trip cost, and the length of the trip," he says. "Commercial policies sold through cruise or major tour companies are generally not priced based on age."

In other words, sometimes older travelers can get a better price going through the cruise line or tour operator for travel insurance. But here again, buyers need to be careful, he adds, since some of those policies may lack essential coverage.

How one customer saved money on travel insurance after age 60

Dzurick says he's not deterred by the higher rates because he knows the value of travel insurance.

"For me, one way to save on travel insurance is to get a separate medical rider covering only the basics," he says.

A bare-bones policy would cover only essential items like medical care when you're abroad and emergency evacuation, but would omit some of the other features of travel insurance like coverage of lost luggage or trip interruption.

There's another method Dzurick likes. He checks with his employer-provided insurance to see if it will offer coverage.

"My former employer recently changed insurance plans for retirees, and it turns out the new policy provides coverage worldwide," he says. "So there's no need for any additional coverage."

Some travel insurance companies offer reduced coverage for older travelers. For example, INF has policy maximums up to $250,000 for policyholders who are older than 70 to ease the concerns of travelers.

"You can also take a fixed benefit option which offers lower payments, but still has evacuation benefits," notes Rao.

Cronin says there are budget-friendly options for U.S. seniors traveling outside the U.S. He likes Trawick Safe Travels USA Comprehensive Insurance and Atlas Travel Medical, both of which offer affordable options for seniors traveling to the U.S.

Another travel insurance hack: the two-policy option

Another way to get affordable coverage with a decently high policy maximum if you’ve aged out of the coverage you prefer is to purchase two travel medical insurance plans, according to James Nuttall, general manager of Insubuy .

"Each plan is considered secondary to the other, and they can share the load for claims involving large medical expenses," he explains.

For instance, a plan offering $250,000 worth of coverage may not be in the budget for your age group. But two plans offering $100,000 worth of coverage each might be.

"Just keep in mind that each plan must be from a different insurance company," he adds. "You can’t just purchase two of the same plans."

Pro tip: If you decide to go down this road, work with an experienced travel advisor who knows how two insurance policies would work together.

Other ways to save money on travel insurance if you're over 60

There are other ways to save money, according to Daniel Durazo, director of communications at Allianz Partners USA .

Consider an annual travel insurance policy

Purchasing an annual travel insurance policy can be a smart choice for those who have more than three trips planned in a year, says Durazo. Unlike a one-trip plan, an annual plan protects all of your trips in a 365-day period, which can save you money, rather than insuring each trip separately. Annual policies are sometimes offered at a flat rate, meaning your cost may not increase with age and trip cost.

Buy a plan that includes more

For example, some travel insurance policies include children at no additional charge. That includes Allianz’s OneTrip Prime and OneTrip Premier, both of which cover children aged 17 and younger when traveling with a parent or grandparent.

Focus on trip cancellation benefits for U.S. trips

Durazo says trip cancellation benefits may cover the cost of canceling your trip if you encounter a situation covered by your policy. These benefits can reimburse you for prepaid, nonrefundable trip costs if you have to cancel your trip at the last minute for a covered reason. They're among the most frequently used benefits for U.S. trips (often, medical expenses are covered by your health insurance plan).

Get a plan with post-departure benefits if you're going abroad

Post-departure benefits can kick in as soon as you begin your trip. They can include coverage for travel delays, baggage loss or damage and baggage delay, according to Durazo. It can also include emergency medical and emergency transportation benefits, which are highly recommended for overseas travel.

Age-band pricing is more pervasive than ever in travel insurance. If you're headed somewhere this summer, make sure you know all of your options before you buy a policy.

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