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Manulife and FNAIC travel insurance product summaries and policy samples

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Manulife Travel Insurance Products are designed to give you a simple, affordable way to help protect yourself against the cost of unexpected expenses associated with Trip Cancellations, Interruptions, Medical costs and more.

COVID-19 Pandemic Travel Plan for Travelling Canadians Policy

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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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7 Best Cheap Travel Insurance Companies in June 2024

Sean Cudahy

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

Finding the cheapest travel insurance is often a priority for travelers hoping to protect themselves and their finances while away from home.

But is it better to err on the side of affordable travel insurance or opt for a more comprehensive plan? That depends on your needs .

On average, a comprehensive plan that covers some combination of trip cancellation and interruption costs, medical coverage and baggage protection (and perhaps a number of other things) will cost you 5%-10% of what you paid for the trip, according to NerdWallet partner Squaremouth, a travel insurance marketplace.

That means a comprehensive policy for a trip that costs you $3,000 could run you anywhere between $150 and $300. Factors like the cost and length of your trip, the age of the travelers and how much protection you want can significantly influence what you pay for your plan.

Ultimately, Squaremouth recommends “the least expensive policy that offers the coverage [travelers] need.”

» Learn more: The best travel insurance companies right now

Factors we considered when picking cheap travel insurance plans

We considered a few factors as we looked for the most affordable travel insurance plans.

Price: If your goal is to find cheaper travel insurance, you want the price to be affordable.

Breadth of coverage: The best budget travel insurance is typically going to be a plan that offers a wide range of protections at an affordable cost, ensuring you’re protected with at least some coverage for a wide range of scenarios.

Uniqueness or customizability : While many travel insurance plans have similar protections, some stand out for particular coverage that can be helpful to certain travelers, like those needing to Cancel For Any Reason , those going on a cruise, or travelers with preexisting health conditions. We didn’t spring for the priciest plans with broad, deep coverage; instead, we picked those that meet a sort of budget "sweet spot" when it comes to cost efficiency.

» Learn more: Is travel insurance worth getting?

An overview of the best cheap travel insurance plans

We looked at travel insurance quotes for a hypothetical 10-day trip to Italy in October 2023. The traveler is a 40-year-old man living in North Carolina who spent $2,000 on the trip, including airfare.

Reliable but cheap travel insurance providers

1. axa assistance usa (silver plan: $70).

mcgill manulife travel insurance

Why we picked it:

The $500 missed connection benefit is great for cruise and tour participants. It covers additional transportation, accommodations and meal costs when you miss a cruise or tour departure.

Full trip cancellation and interruption coverage, along with up to $25,000 for out-of-pocket medical costs and baggage coverage.

Among the lowest prices we found.

If you’re willing to spend a bit more than AXA's $70 Silver plan, a Gold plan only costs $19 more and gets you deeper coverage amounts and up to $35,000 in collision rental car insurance.

2. Berkshire Hathaway Travel Protection (ExactCare Value plan: $56)

mcgill manulife travel insurance

Cheapest plan we found while still offering a wide array of protections.

Includes a preexisting medical condition waiver.

Add-on rental car collision coverage optional for $10 per day. You can pick how many days you want the additional coverage — it’s not all or nothing.

At $56, this plan comes in at less than 3% of the $2,000 trip cost.

3. IMG (iTravelInsured Lite plan: $77)

mcgill manulife travel insurance

Treats COVID-19 like any other illness, which is to say, if your claim accepts flu, strep throat or appendicitis as an acceptable, covered condition, the coronavirus is, too.

Covers costs related to trip interruption up to 125% 

Higher than normal limits on dental expenses, at $1,000. If your teeth are your Achilles heel (or your biggest fear), this plan might be for you.

The iTravelInsured Lite plan doesn’t offer some of the bells and whistles that other plans do, like rental car coverage , Cancel For Any Reason coverage or waivers for pre-existing conditions. But you’ll have relatively solid across-the-board trip protections.

4. John Hancock (Silver plan: $93 for a mid-tier plan)

mcgill manulife travel insurance

Mid-level plan (as opposed to a basic plan) at an affordable price for travelers who want more coverage without paying too much.

Includes an optional Cancel For Any Reason add-on for travelers wanting flexibility. It is a bit pricey, at half the cost of the insurance ($46.50 extra for a $93 plan).

Reimburses up to $1,000 for lost baggage , far more than many basic plans.

Add-on rental car coverage for $9 per day.

At $88, John Hancock’s basic (Bronze) plan isn’t particularly affordable. But for just $4 extra, you can tap into the benefits of a mid-tier plan at still less than 5% of the total trip cost.

5. Nationwide (Essential plan: $76)

mcgill manulife travel insurance

Includes a preexisting conditions waiver.

Add-on rental car coverage for $90. 

Covers trip interruption at 125% of the trip cost while providing comprehensive emergency medical and baggage coverage.

6. Seven Corners (Basic plan: $75)

mcgill manulife travel insurance

On top of standard trip protections, it includes a relatively affordable Cancel For Any Reason option for $31.50 extra.

If you plan to rent expensive sporting equipment, you might consider paying $10 extra to cover lost, damaged, stolen or destroyed gear.

COVID-19 coverage reimburses you for costs incurred if you have to quarantine .

Rental car coverage comes in at an affordable $7 per day.

Seven Corners’ Basic plan stands out because it offers a little bit of everything, appealing to athletic travelers, those who need affordable trip protections, those who want the flexibility to cancel for any reason and those still concerned about getting quarantined due to COVID-19.

7. Travelex Insurance Services (Basic plan: $71)

mcgill manulife travel insurance

Straightforward: What you see is what you get. This plan’s coverage has fewer rules and caveats than many. 

While not sporting the highest coverage amounts, it offers a solid range of protections to ensure you get at least something back when your travel is disrupted or you have a medical emergency.

Offers add-on rental car coverage for $10 per day.

At $71, the Travelex Basic plan’s cost is just over 3% of the $2,000 trip’s cost.

If you want to get travel insurance at the cheapest possible rate, here’s a trick. Put $0 as your trip cost, Stan Stanberg, co-founder of comparison site Travelinsurance.com said in an email.

“When excluding trip cancellation and trip interruption coverage the cost of a travel insurance plan goes down significantly,” Stanberg said.

That means you won’t get reimbursed if you need to cancel your trip or if it gets interrupted. But you may still have access to the plan’s medical, trip delay , missed connection, baggage and other protections.

You’ll often find comprehensive travel insurance plans cost 5%-10% of your total trip cost, according to Squaremouth. This will often get you full trip cancellation and trip protection, baggage protection, emergency medical coverage and often other benefits.

Typically, the more you pay, the broader and deeper the coverage.

For many plans, you can purchase travel insurance up until you depart. However, to get access to the most protections possible, booking two days to two weeks after making your initial deposit is the best rule of thumb.

That means you won’t get reimbursed if you need to cancel your trip or if it gets interrupted. But you may still have access to the plan’s medical,

, missed connection, baggage and other protections.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are some of the best travel credit cards of 2024 :

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

Chase Sapphire Reserve Credit Card

on Chase's website

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

75,000 Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,125 toward travel when you redeem through Chase Travel℠.

Chase Sapphire Preferred Credit Card

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

75,000 Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's over $900 when you redeem through Chase Travel℠.

Chase Southwest Rapid Rewards® Plus Credit Card

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

85,000 Earn 85,000 bonus points after spending $3,000 on purchases in the first 3 months from account opening.

mcgill manulife travel insurance

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Travel Insurance question on visa application... And Travel - Moscow Forum

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Travel Insurance question on visa application... And Travel

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' class=

The one question asked about insurance, obviously at this moment in time I haven't done my travel insurance so i said no. Part of me worries that by saying no, they may reject my application? Does anybody know?

Also, Our flight arrives fairly late (9:45pm) on the evening and we land at domodedovo, but have to get to the holiday inn suschevsky. Will it be easier to get a private hire, or will traffic still be a nightmare?

Hope you can help!

' class=

> Part of me worries that by saying no, they may reject my application? Does anybody know?

As far as I know (not an expert though) the insurance is not a requirement for UK visitors.

> Will it be easier to get a private hire

Easier than what?

> or will traffic still be a nightmare?

Ah sorry, should have been more specific, will a private hire be easier than the subway.

Well reading terms and conditions of the hotel through expedia.. "room reserved until midnight"

Thanks for help on the other question.

> will a private hire be easier than the subway

Of course it will - any place, any time, that's why it costs more. And in your case (5 people), not even that much more than 5 Aeroexpress tickets, even considering that you'll need a mini-van to carry 5 people.

If it's paid for then you're safe - you might want to write to them and tell them you might arrive late though.

insurance is not mandatory for UK passport holders

This topic has been closed to new posts due to inactivity.

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Travel Insurance

Travel insurance is always important, to help ensure that you, your family or visitors to Canada will be protected for emergency medical expenses and many other unforeseen costs during a trip. Without it, travellers can be left to deal with large out-of-pocket expenses.

Enjoy Costco value!

As a Costco member, you're accustomed to a certain level of value and service. You'll get all that with Travel Insurance for Costco members – with great rates for all members. Plus, Executive members can save up to 5% on most insurance plan premiums!

Medical Concierge Service on all plans with emergency medical*

If medical assistance is required while travelling, you'll get 24/7 access to StandByMD™. This service helps you locate a clinic nearby, connect you with a physician, and assist you with emergency room admission, and much more.

There are several plans available, so you get the exact amount of coverage you need.

Travelling canadians.

Help protect your trip, whether in Canada or outside, with plans for single or multiple trips, cancellation, emergency medical, and much more.

Preparing to study abroad? Or coming to Canada to study? Help protect yourself with coverage for both emergency and non-emergency medical costs.

Visitors to Canada

Whether you have family or friends visiting you from outside Canada, or are visiting Canada yourself, lock in protection for your trip.

Take action

For more information and to speak to a Licensed Insurance Advisor, call

1-866-707-4922 (Monday – Friday 8am – 8pm ET)

Or email [email protected]

Ready to apply?

If you’re ready to lock in the coverage that works best for you - take the next step and get a quote for the coverage you need, then proceed to the application.

10-Day Free Look

If you notify us within 10 days of your purchase date, as indicated on your confirmation, that you are not completely satisfied with your policy, we will provide a full refund if you have not already departed on your trip and there is no claim in progress. For information on refunds after the 10-Day Free Look period, please refer to the Cancellations & Refunds section in the policy.

* Manulife cannot guarantee the availability of the StandbyMD service indefinitely. 

StandbyMD is a registered trademark™ of Healthcare Concierge Services, Inc.

mcgill manulife travel insurance

Top Travel Insurances For Russia You Should Know in 2024

Byron Mühlberg, writer at Monito.com

Byron Mühlberg

Monito's Managing Editor, Byron has spent several years writing extensively about financial- and migration-related topics.

Links on this page, including products and brands featured on ‘Sponsored’ content, may earn us an affiliate commission. This does not affect the opinions and recommendations of our editors.

The world's largest country, Russia is known for its history and cultural heritage, with landmarks such as the Red Square, St. Petersburg, and the Hermitage Museum. Although travelling to Russia can be an accessible holiday destination for many people, and although healthcare costs in the country aren't outrageously expensive, it's still a very good idea to arrive there with travel insurance anway, as you'll want the highest-quality healthcare you can find.

Luckily, online global insurances (known as 'insurtechs') specialize in cost-savvy travel insurance to Russia and other countries worldwide. Our list below explores the four services we believe provide the best deals for young travellers, adventurers, everyday holidaymakers looking for comprehensive but affordable coverage, and longer-term expats.

Russia Insurance Profile

Here are a few of the many factors influencing the scope and cost of travel insurances for Russia:

Best Travel Insurances for Russia

  • 01. Do I need travel insurance for Russia? scroll down
  • 02. Best medical coverage: VisitorsCoverage scroll down
  • 03. Best trip insurance: Insured Nomads scroll down
  • 04. Best mix for youth and digitial nomads: SafetyWing scroll down
  • 05. FAQ about travel insurance to Russia scroll down

Heading to Russia soon? Don't forget to check the following list before you travel:

  • 💳 Eager to dodge high FX fees? See our picks for the best travel cards in 2024.
  • 🛂 Need a visa? Let iVisa take care of it for you.
  • ✈ Looking for flights? Compare on Skyscanner !
  • 💬 Want to learn the local language? Babbel and italki are two excellent apps to think about.
  • 💻 Want a VPN? ExpressVPN is the market leader for anonymous and secure browsing.

Is Travel Insurance Mandatory in Russia?

No, there's currently no legal requirement to take out travel insurance for travel to or through Russia.

However, regardless of whether or not it's legally required, it's always a good idea to take our health insurance before you travel — whether to Russia or anywhere else. For what's usually an affordable cost , taking out travel insurance will mitigate most or all of the risk of financial damage if you run into any unexpected troubles during your trip abroad. Take a look at the top five reasons to get travel insurance to learn more.

With that said, here are the top three travel insurances for Russia:

VisitorsCoverage: Best Medical Coverage

Among the internet's best-known insurance platforms,  VisitorsCoverage  is a pioneering Silicon Valley insurtech company that offers comprehensive medical coverage for travellers going abroad to Russia, no matter whether you're planning to ice skate in Gorky Park in the winter or sunbathe in Sochi in the summer.

VisitorsCoverage lets you choose between various plans tailored to meet the specific needs of your trip to Russia, including coverage for medical emergencies, trip cancellations, and travel disruptions. With its easy online purchase process and 24/7 live chat support, VisitorsCoverage is a reliable and convenient option if you want good value and peace of mind while travelling abroad.

Get a quote now

  • Coverage 9.0
  • Quality of Service 9.0
  • Pricing 7.6
  • Credibility 9.5

VisitorsCoverage offers a large variety of policies, and depending on your needs and preferences, you'll need to compare and explore their full catalogue of plans for yourself. However, we've chosen a few highlights for their travel insurance for Russia:

  • Policy Names: Varies
  • Medical Coverage: Very good. Includes coverage for doctor and hospital visits, pre-existing conditions, repatriation, mental health-related conditions, and many others.
  • Trip Coverage: Excellent - but only available for US residents.
  • Customer Support: FAQ, live chat and phone support
  • Pricing Range: USD 25 to USD 150 /traveller /month
  • Insurance Underwriter: Lloyd's, Petersen, and others
  • Best For: Value for money and overall medical coverage

Insured Nomads: Best Trip Coverage

Insured Nomads is another very good travel insurance option for Russia, especially if you're adventurous or frequently on the go and are looking for solid trip insurance with some coverage for medical incidents too. With Insured Nomads, you can choose the level of protection that best suits your needs and enjoy a wide range of benefits, including 24/7 assistance, coverage for risky activities and adventure sports, and the ability to add or remove coverage as needed. In addition, Insured Nomads has a reputation for providing fast and efficient claims service, making it an excellent choice if you want peace of mind while exploring the world.

Get your quote

  • Coverage 7.8
  • Quality of Service 8.5
  • Pricing 7.4
  • Credibility 8.8

Insured Nomads offers three travel insurance policies depending on your needs and preferences. We go through them below:

  • Policy Names: World Explorer, World Explorer Multi, World Explorer Guardian
  • Medical Coverage: Good. Includes coverage for doctor and hospital visits, pre-existing conditions, repatriation, and many others.
  • Trip Coverage: Good. Includes coverage for trip cancellation and interruption, lost or stolen luggage (with limits), adventure and sports activities, and many others.
  • Customer Support: FAQ, live chat, phone support
  • Pricing Range: USD 80 to USD 420 /traveller /month
  • Insurance Underwriter: David Shield Insurance Company Ltd.
  • Best For: Adventure seekers wanting comprehensive trip insurance

SafetyWing: Best Combination For Youth

SafetyWing is a good insurance option for younger travellers or digital nomads in Russia because it offers flexible but comprehensive coverage at a famously affordable price. With SafetyWing, you can enjoy peace of mind knowing you're covered for unexpected medical expenses, trip cancellations, lost or stolen luggage, and more. In addition, SafetyWing's user-friendly website lets you manage your policy, file a claim, and access 24/7 assistance from anywhere in the world, and, unlike VisitorsCoverage, you can even purchase a policy retroactively (e.g. during a holiday)!

Get insured now

  • Coverage 7.0
  • Quality of Service 8.0
  • Pricing 6.3
  • Credibility 7.3

SafetyWing offers two travel insurance policies depending on your needs and preferences, which we've highlighted below:

  • Policy Names: Nomad Insurance, Remote Health
  • Medical Coverage: Decent. Includes coverage for doctor and hospital visits, repatriation, and many others.
  • Trip Coverage: Decent. Includes attractive coverage for lost or stolen belongings, adventure and sports activities, transport cancellation, and many others.
  • Pricing Range: USD 45 to USD 160 /traveller /month
  • Insurance Underwriter: Tokyo Marine HCC
  • Best For: Digital nomads, youth, long-term travellers

How Do They Compare?

Interested to see how VisitorsCoverage, SafetyWing, and Insured Nomads compare as travel insurances to Russia? Take a look at the side-by-side chart below:

Data correct as of 4/1/2024

FAQ About Travel Insurance to Russia

Travel insurance typically covers trip cancellation, trip interruption, lost or stolen luggage, travel delay, and emergency evacuation. Some travel insurance packages also cover medical-related incidents too. However, remember that the exact coverage depends on the insurance policy.

No, you'll not be required to take out travel insurance for Russia. However, we strongly encourage you to do so anyway, because the cost of healthcare in Russia can be high, and taking out travel insurance will mitigate some or all of the risk of covering those costs yourself if you need medical attention during your stay.

Yes, medical travel insurance is almost always worth it, and we recommend taking out travel insurance whenever visiting a foreign country. Taking out travel insurance will mitigate some or all of the risk of covering those costs yourself in case you need medical attention during your stay. In general, we recommend VisitorsCoverage to travellers worldwide because it offers excellent value for money and well-rounded travel and medical benefits in its large catalogue of plans.

Health insurance doesn't cover normal holiday expenses, such as coverage for missed flights and hotels, but in case you run into medical trouble while abroad, it may cover some or all of your doctor or hospital expenses while overseas. However, not all health insurance providers and plans offer coverage to customers while abroad, and that's why it's generally best to take out travel insurance whenever you travel.

Although there's overlap, health and travel insurance are not exactly the same. Health insurance covers some or all of the cost of medical expenses (e.g. emergency treatment, doctor's visits, etc.) while travel insurance covers non-medical costs that are commonly associated with travelling (e.g. coverage for missed flights, stolen or lost personal belongings, etc.).

The cost of travel insurance depends on several factors, such as the length of the trip, the destination, the age of the traveller, and the level of coverage desired. On average, travel insurance can cost anywhere between 3% and 10% of the total cost of the trip.

A single-trip travel insurance policy covers a specific trip, while an annual one covers multiple trips taken within a one-year period. An annual policy may be more cost-effective for frequent travellers.

Yes, you can sometimes purchase travel insurance after starting your trip, but it is best to buy it before the trip begins to ensure maximum coverage. If you do need to buy insurance after you've started your trip, we recommend VisitorsCoverage , which offers a wide catalogue of online trip and medical insurance policies, most of which can be booked with immediate effect. Check out our guide to buying travel insurance late to learn more.

Yes, you can most certainly purchase travel insurance for a trip that has already been booked, although we recommend purchasing insurance as soon as possible aftwerwards to ensure all coverage is in place before your journey begins. Check out our guide to buying travel insurance late to learn more.

See Our Other Travel Insurance Guides

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See our recommendations for travel insurance to other countries worldwide:

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  • Recognition
  • Submitting a supplemental health and dental claim
  • Clinical Staff Supplemental Health and Dental Program
  • Provincial plan replacement (PPR) coverage
  • Disability plans
  • Life insurance plans
  • Accidental death & dismemberment (AD&D)
  • Emergency Travel assistance
  • Changes to your coverage (life events)
  • Rate summary
  • Accommodation for employees with a disability
  • Health & Well-Being Program
  • Employee and Family Assistance program (EFAP)
  • Tuition assistance
  • Temporary alternative work arrangement

Supplemental health plan

The McGill Supplemental Health Plan provides protection for a range of medical items, services and procedures not covered under your provincial plan.

To qualify for coverage under this plan, you and your eligible spouse and children must qualify for provincial health care benefits. Non-Canadian residents and Canadian residents returning to Quebec after 183 days out of the province will be required to apply for Quebec Medicare (RAMQ ) upon arrival in Quebec, and will be subject to a 3-month waiting period for this coverage. For more information about health coverage during this 3-month waiting period please refer to Provincial Plan Replacement Coverage.

Mandatory participation

Quebec legislation requires that you, your spouse and children be covered under a group health insurance plan providing at least drug coverage if you are under age 65 and are eligible for coverage under that plan. Only those employees who can provide proof they have health coverage under another plan can refuse coverage under the McGill Supplemental Health Plan. See the  RAMQ website  for more information.

You may opt out of the Supplemental Health Plan if you can provide written evidence that you are covered under another supplemental health plan, e.g. as a dependent under your spouse's plan. See Changes to your coverage (life events)  for details.

Out-of-pocket maximum

The out-of-pocket amount is the percentage you pay for services reimbursed at 75% or 80%. Once you reach the out-of-pocket maximum, all expenses for the remainder of the year will be reimbursed at 100%.  Note:  All dollar maximums, frequency limits, reasonable & customary fees and any other contractual limitations still apply.

The out-of-pocket maxima are as follows:

  • If you have single coverage: $400 per benefit year
  • If you have family coverage: $800 per benefit year; $400 out-of-pocket maximum for the plan member alone and a $400 out-of-pocket maximum for all eligible dependents combined

The benefit year is calculated from January 1st to December 31st.

What's covered

The McGill Supplemental Health Plan covers reasonable and customary charges for semi-private hospital accommodations, prescription drugs, health practitioner services and a range of medical supplies and services not covered under your provincial plan. Reasonable and customary charges are those that fall within the usual range of charges for the same or comparable service. These charges are determined by the insurer and are based on the standing of the practitioner providing the service and where the charge is incurred. Should you want to know what is considered reasonable and customary, please follow this procedure .

Semi-private hospital (in Canada)

Prescription drugs (80%), health practitioners (80%), supplies and services (75%), out-of-province medical services (100%).

  • Personalized Medicine (100 %)

My Drug Plan

The plan covers 100% of the difference between the regular ward rate reimbursed through the provincial plan and the semi-private room rate charged by a licensed hospital. This includes hospital out-patient services.

For information on chronic, convalescent and rehabilitative hospitals, see Supplies and services .

The plan covers drugs or medicines required for therapy provided that they are prescribed in writing by a doctor (or dentist where appropriate) and are dispensed by a licensed pharmacist.

Plan members nearing or over 65 should refer to  Turning 65  for information about changes to drug coverage under the McGill Supplemental Health Plan. 

Pay Direct As of November 1, 2020, the University introduced the Pay direct drug card. This means, that when filling a prescription, your pharmacist will send your claim electronically to Manulife and will be able to let you know immediately if the drug is covered under your plan. You then only pay the remaining portion, normally the co-insurance amount.

Mandatory Generic Substitution

As of November 1, 2020, the plan reimburses at 80% the cost of your prescription drug up to the price of the lowest-priced equivalent medication, which is typically a generic drug if one is available. The amount applied towards your annual out-of-pocket maximum is based on the reimbursement of the cost of the generic.

If you are currently prescribed the brand-name drug due to adverse reactions, the mention “no substitution” on your prescription is no longer sufficient in order to continue to be reimbursed at the higher level. Your treating physician will need to document this information on the prescribed form and you will need to submit it to Manulife for review and approval. The form can be uploaded directly in your Manulife profile or faxed to the number indicated on the form. If the drug you are prescribed is a “brand-name drug,” and there is no alternative or interchangeable drug, the plan will continue to reimburse your prescription based on the cost of the brand-name drug. Members who simply prefer the brand-name drug may choose to use it and pay the price difference between the generic drug and the brand name drug. Read more about mandatory generic substitution .

New Pharmacist Services

Quebec pharmacists can now provide several professional services to their patients, of which the McGill Health Plan is required to reimburse the following:

  • Prescribing medication for the treatment of certain minor ailments/conditions when the diagnosis and treatment are known
  • Prescribing a medication when no diagnosis is required
  • Adjusting a prescription
  • Extending a prescription

Charges for these new services will be reimbursed under the Health Plan in accordance with the percentage covered by the Régie de l'assurance maladie du Québec (RAMQ Drug Plan).

What is covered/Not covered

The following are not covered by the McGill Supplemental Health Plan unless they are included under the RAMQ current drug formulary, in which case they will be reimbursed according to the RAMQ’s reimbursement level. Please refer to RAMQ for more information

With a doctor's referral:

The plan covers the following service when referred by a doctor, subject to the outlined limits and restrictions:

Private duty nursing (80%)

  • Up to $30,000 during any consecutive 60-month period for nursing care performed at the patient's residence.
  • The service must be authorized, in writing, by the attending physician.
  • Services that are for custodial care, e.g. personal hygiene, meal preparation, help with mobility, are not covered.
  • Nursing services must be provided by a Registered Nurse, Registered Nursing Assistant or Registered Trained Attendant who is not related to or living with the patient.
  • You must submit a Pre-Determination form to the insurer before the nursing services can begin.

For details, refer to Submitting Claims .

Without a doctor's referral:

All services must be provided by a licensed practitioner who is a member of an accredited association or order:

Psychological services (increased services as of July 1st, 2021. How to submit these claims )

  • 80% of eligible expenses up to an annual maximum of $2,000 per coverage per person each benefit year for the services of a licensed Psychologist, licensed Psychotherapist as well as licensed Family or Marriage Therapist or a licensed Social Worker who are members of the Ordre des travailleurs sociaux et des thérapeutes conjugaux et familiaux du Québec. 

Psychoanalysis

  • up to $15 per visit for psychoanalytic treatment at home or office. Treatment must be provided by a member of the Canadian Psychoanalytic Society or similar society outside of Canada.

Physiotherapy, occupational therapy, athletic therapy, speech therapy or audiologist services

  • 80% of eligible expenses for services performed by a licensed physiotherapist, licensed occupational therapist, licensed certified athletic therapist, licensed speech therapist or licensed audiologist up to a combined maximum of $750 per person each benefit year.

Chiropractors, osteopaths*, acupuncturists or dietitians

  • 80% of eligible expenses for services performed by a licensed chiropractor, licensed osteopath*, licensed acupuncturist or licensed dietitian to a combined maximum of $300 per person each benefit year. This includes one x-ray per benefit year by each licensed practitioner.

Effective September 15, 2017, Manulife no longer recognizes services by osteopath providers registered with certain associations .

The plan covers the following medical supplies and services when prescribed by an appropriate medical practitioner (subject to the outlined limits and restrictions). Unless otherwise indicated, reimbursement is at 75%.

  • Accidental dental : charges for dental treatment required to repair natural teeth damaged by an external, sudden and violent blow to the mouth. These services must be provided within six months of the date of the accident. Reimbursements will be limited to the current fee guide for dental services provided by general practitioners published by the Quebec Dental Surgeons Association.
  • Ambulance service s: charges for licensed emergency ambulance services required to transport a stretcher patient to and from the nearest licensed hospital able to provide essential care. This includes charges for licensed air transport to the nearest licensed hospital for necessary emergency care.
  • Artificial limbs and eyes : including necessary replacements (does not include myoelectric appliances).
  • Casts, splints, trusses and braces
  • Convalescent and rehabilitative hospitals : the plan covers the cost of the semi-private room charge for a stay in a chronic, convalescent or rehabilitative hospital, provided the stay is: ordered by a doctor; begins within 14 days of leaving a licensed hospital; is primarily for rehabilitative treatment (rather than custodial care); this coverage is limited to 120 days per disability.
  • Colostomy and ileostomy supplies : charges for essential colostomy and ileostomy supplies.
  • Diabetic supplies and equipment : Needles, syringes, reagent strips, cotton and alcohol swabs for the treatment of diabetes; One insulin pump every 5 years, prescribed in writing by a medical doctor; Insulin pump supplies as needed.
  • Diagnostic Services : when carried out in a private laboratory or clinic in the province of Quebec that is, in the insurer’s opinion, qualified to provide the required services. Applies to residents of Quebec only. Covered services include, but are not limited to, the following: laboratory tests and MRIs. These services are covered up to a maximum of $1,000 per person, per benefit year. The following are not covered: tests performed in a doctor's office or a pharmacy and charges other than for the actual test itself (for example, the drawing of blood, doctor fees).
  • Durable medical equipment : the rental (or purchase when approved by the insurer) of manual hospital beds, respiratory and oxygen equipment, and other durable equipment usually found only in hospitals. The purchase of one insulin pump per lifetime of the insured and related medical supplies.
  • Intra-ocular lens : required as a result of cataract surgery to a limit of one lens per eye during the lifetime of the insured.
  • Elastic support stockings : up to $50 per person each benefit year.
  • Eye Exams : 100% of the cost of one eye exam rendered by a licensed optometrist or an ophthalmologist registered under Medicare limited to a maximum of $70 once every 24 consecutive months. Please refer to the Submitting Claims section on this website for specific requirements for claims payment.
  • Glucometers : up to $200 per person every 36 consecutive months when prescribed in writing by a medical doctor.
  • Hearing aids : up to $500 per person in any five consecutive years. The aid must be prescribed in writing by an otolaryngologist. The plan does not cover batteries and professional services.
  • Mammary prostheses : required as the result of surgery, to a limit of two prostheses per person each benefit year. The maximum cost for each prosthesis is limited to $200.
  • Mobility equipment : the rental or purchase (when approved by the insurer) of crutches, canes, walkers and non-motorized wheelchairs.
  • Orthotic inserts for shoes or orthopaedic shoes : up to one custom-made pair per person each benefit year. The devices must be made in a specialized orthopaedic laboratory and must be prescribed by a physician, podiatrist or chiropodist. As well, orthotics and orthopedic shoes must be dispensed by an Orthotist, Pedorthist, Podiatrist or Chiropodist. Please refer to the 'Making a Claim' section on this site for specific requirements for claims payment.
  • Oxygen, plasma and blood transfusions
  • Radiotherapy or coagulotherapy services
  • Wigs and hairpieces : for patients with temporary hair loss resulting from chemotherapy, up to a lifetime maximum of $200 per person.

Emergency Travel Assistance

For important coverage details, refer to  Emergency Travel Assistance .

Unstable political and environmental conditions in some countries may affect availability of emergency medical or assistance services. For information on travel conditions, consult  Travel Advice and Advisories  published by the Consular Affairs Bureau, Federal Dept of Foreign Affairs.

Non-emergency referral

The plan covers the following benefits for charges incurred for care unavailable in Canada when referred to by a licensed doctor (M.D.) and approved in advance by the provincial health plan and the insurer, but not beyond 60 days, and provided part of the charge is payable under the provincial health plan of the province of residence:

  • Charges in excess of the ward rate under the provincial health plan for hospital accommodations up to a daily maximum of $100
  • Other hospital services
  • Hospital out-patient services
  • Services of a doctor (reasonable and customary charge according to locality)

Personalized Medicine (100%)

What is personalized medicine.

Personalized Medicine is an option for those who are beginning a new medication, experiencing ineffectiveness with a current medication, or encountering medication side effects for the following conditions:

  • Mental health conditions, such as depression or anxiety
  • Attention Deficit Hyperactivity Disorder (ADHD)
  • Neurological conditions
  • Chronic pain

Personalized Medicine explores how genetics can affect a response to medication. The results of the test help determine which medication is most likely to help a patient’s condition and which one may have side effects.

Only Personalized Prescribing Inc., the vendor mandated by Manulife, yourself and anyone else you give consent to, such as your doctor, can obtain the results.

To learn more about this benefit, please consult the following documentation:

  • Manulife Website

How to use this service?

  • Go to www.personalizedprescribing.com/manulife
  • Answer the eligibility questions.
  • Pay for the test online. Be sure to save your receipt.
  • Submit a claim to Manulife (when submitting a claim, select the "Service not listed” option under service provider type and include your receipt.)

My drug plan allows you to verify if your medication is covered by the plan, requires a prior authorization, how much the plan covers and how much you pay. It will inform you how you can reduce what you pay by suggesting a lower-cost alternative.

Pharmacy savings search tool allows you to search which pharmacy near you offers the best price for your medication.

My drug plan is easy to use and can be accessed by logging into the Manulife Plan Member Secure Site using your computer, tablet or downloading the My drug plan mobile app.

Find out more about My drug plan .

Want to login into your Manulife account now? Here's how to do it .

What isn't covered

The plan does not pay any benefit or accept liability for claims for the following non-exhaustive list of items and services. If you are in doubt as to whether an item or service is covered by the plan, see Coverage by area/service below or contact Manulife Financial at 1-800-268-6195.

Services not covered

  • Any portion of an eligible expense which is in excess of the reasonable and customary charge for the services or supplies in the locality where the service is provided
  • Equipment such as orthopaedic mattresses, exercise equipment, whirlpools, air-conditioning and air purifying units, and any other equipment which the administrator considers to be an ineligible expense
  • Expenses for custodial care
  • Expenses incurred for psychological disorders, including functional nervous disorders if the expenses are incurred in an institution specializing in the treatment of the disorder or disease in question
  • Expenses incurred for transportation other than emergency ambulance (eg. to and from doctor visits, physiotherapy treatment, outpatient hospital treatments).
  • Expenses for services rendered by a naturopath, massage therapist, podiatrist, counselor or any other therapist who is not a licensed psychologist or licensed social worker.
  • Eyeglasses, contact lenses, laser eye surgery and expenses of an opthalmologist for services other than the actual eye exam
  • Hospital expenses incurred while travelling outside the country (other than for referrals or emergency treatment)
  • war, insurrection or the hostile action of the armed forces of any country (except Employee Travel Assistance)
  • participation in a riot, civil commotion, or commission of a criminal offence
  • any cause for which benefits or compensation is provided under any workers' compensation law or similar legislation
  • Rest cure or travel for reasons of health
  • Services or supplies that are paid for under provisions of any government-sponsored plan or program
  • Any treatment, surgery, care, service, examination or appliance which is: not medically necessary; given or required for cosmetic purposes, except for dental treatment required as a result of an accident; given or required for reasons other than curative
  • Plastic surgery given or required in relation to an operation or treatment of an experimental nature in excess of what is ordinarily given or required in accordance with current therapeutic practice
  • Treatment or appliance (related directly or indirectly to full mouth reconstruction) to correct vertical dimension and temporomandibular joint dysfunction
  • Charges of an ophthalmologist for services other than the actual eye exam (e.g. eye drops)
  • Charges for a brand name drug when a generic equivalent exists (the generic equivalent will be reimbursed)
  • Doctors fees including, but not limited to, private doctor visits, fees to administer medication, fees to perform a medical procedure (other than those covered under the Out-of-country/province – Emergency travel Assistance benefit)
  • Stays in long term care facilities
  • The cost of giving injections, serums or vaccines
  • Diagnostic tests performed in a doctor's office or a pharmacy, charges for the drawing of blood or charges incurred for transportation of blood for analysis.

When coverage ends

Your coverage under the plan will end when you leave the University (before retirement), fail to qualify for coverage under the terms of the plan, or opt out of the plan altogether.

Coverage for your spouse and children will end when yours does. In addition, coverage will end on an individual basis when your family members are no longer eligible under the terms of the plan (for example, when a son or daughter marries or begins full-time employment)

Please refer to Changes to your coverage (life events)  for more details.

If you become disabled

Your coverage under the Supplemental Health Plan will continue while you are eligible for benefits under the  Long-Term Disability Plan , provided you continue to pay your share of plan costs.

If you die before retirement

If you were under age 65 and you had family health and/or dental coverage, your spouse and eligible dependent children can continue this coverage under the plan for up to three (3) months. The University will pay both shares of the benefit cost.

Department and University Information

Human Resources

  • Employment equity and diversity
  • Onboarding & Orientation
  • Organizational Development
  • My Healthy Workplace
  • Employee and Family Assistance Program (EFAP)
  • Health & dental claims
  • Holidays & Summer Fridays
  • MUPP Pension Login
  • Pay Schedule

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