Plans underwritten by The Manufacturers Life Insurance Company. Manulife, the Block Design, the Four Cubes Design, and Strong Reliable Trustworthy Forward-thinking are trademarks of The Manufacturers Life Insurance Company and are used by it, and by its affiliates under license.© 2014 The Manufacturers Life Insurance Company. All rights reserved.

AT0149E 09/14 14.5052

Rates Plan A Plan B0-25 26-34 35-39 40-54 55-59 60-64 65-69 70-74 75-79 80-85 0-25 26-34 35-39 40-54 55-59 60-64 65-69 70-74 75-79 80-85

$15,000$25,000$50,000

$100,000$150,000

$2.07$2.17$2.57$3.29$3.75

$2.11$2.32$2.70$3.62$3.87

$2.16$2.45$2.75$3.79$4.32

$2.38$2.72$3.10$4.76$5.40

$2.46$2.79$3.14$4.84$6.20

$3.31$3.75$4.34$5.93$8.00

$3.75$4.25$5.00$6.73

$10.60

$5.20$5.95$7.15$8.80

n/a

$6.00$7.00$8.40

$10.80 n/a

$7.70$9.10

$10.20$14.00

n/a

$2.10$2.26$2.67$3.50$4.10

$2.15$2.43$2.78$3.75$4.40

$2.25$2.50$2.85$4.00$4.60

$2.61$2.98$3.25$4.90$5.81

$2.70$3.06$3.47$5.25$6.40

$3.48$4.10$4.81$6.60$8.25

$4.10$4.65$5.46$7.45

$10.93

$6.17$6.66$8.00

$10.90n/a

$7.63$8.24

$10.36$13.40

n/a

$9.80$11.43$13.42$20.00

n/a

Automatic Extensions72 hrs if your carrier is delayed; 5 days if you or a travelling companionhave a medical condition that prevents travel and not hospitalized – if hospitalized, will extend for full period of hospitalization plus 5 days after discharge, to maximum of 12 months

Applicable Applicable

Extensions Voluntary extensions are available up to the maximum duration,

provided the purchase is completed prior to expiry of the existing policy.Subject to the approval of the Assistance Centre in the event of a claim.

Voluntary extensions are available up to the maximum duration,provided the purchase is completed prior to expiry of the existing policy.Subject to the approval of the Assistance Centre in the event of a claim.

Notification of Assistance CentreMandatory for medical emergency at destination –insured responsible for 20% of claim cost if not contacted

Applicable Applicable

Optional Medical Deductibles$0 deductible (5% surcharge); $75 deductible (0% surcharge); $500 deductible (15% savings); $1,000 deductible (20% savings); $2,500 deductible (25% savings); $5,000 deductible (35% savings)

Available Available

Savings – Family Rating• Emergency Medical – 2x oldest applicant• Optional Trip Interruption – 3x oldest applicant• Optional Travel Accident – 3x oldest applicant

Available to those under 60 years; children must be at least 30 days of age

Not Available

Refunds Full refund up to effective date; partial refund for early return (if no claim) Full refund up to effective date; partial refund for early return (if no claim)

Provincial Sales Tax Not Applicable Not Applicable

Snapshot: Manulife Travel Insurance – for Visitors to Canada

Plan ComparisonSummary of Benefits Single-Trip Emergency Medical PlansEmergency Medical† Plan A Plan B1. Hospital & physician bills2. Professional services: chiropractor, osteopath, physiotherapist,

chiropodist or podiatrist3. Ambulance transportation4. Emergency dental treatment5. Bringing someone to your bedside6. Meals, hotel, phone calls & taxi7. Repatriation of remains8. Evacuation to home9. Return home of children

10. Childcare11. Trip break

• Visitors 30 days to 85 years of age: maximum sum insured: up to $15,000, $25,000, $50,000 or $100,000

• Visitors 30 days to 69 years of age: maximum sum insured: up to $150,000

• Can be purchased up to 365 days prior to arrival in Canada• If purchased after arrival:

– within 30 days, effective 48 hours after purchase*– after 30 days, effective 8 days after purchase*

• Maximum 365 days coverage* Exception: accidental bodily injury and continuous coverage

• Visitors 30 days to to 85 years of age: maximum sum insured:up to $15,000, $25,000, $50,000 or $100,000

• Visitors 30 days to 69 years of age: maximum sum insured: up to $150,000

• Can be purchased up to 365 days prior to arrival in Canada• If purchased after arrival:

– within 30 days, effective 48 hours after purchase*– after 30 days, effective 8 days after purchase*

• Maximum 365 days coverage* Exception: accidental bodily injury and continuous coverage

Travel Accident$50,000 for death or double dismemberment $25,000 for single dismemberment

Applicable on a per trip basis Applicable on a per trip basis

Other Features or RequirementsOptional Trip Interruption†

$1,500 for single coverage / $5,000 for family coverage Applicable on a per trip basis Applicable on a per trip basis

When to Apply1. Purchase prior to arrival (cannot be purchased more than 365 days

before arrival)2. After Arrival: a. Within 30 days: 48-hour waiting period*

b. After 30 days: 8-day waiting period**Exception: accidental bodily injury

Applicable Applicable

Side-Trips Outside Canada Coverage provided as long as duration outside Canada does not exceed the lesser of: 30 days per policy or 49% of the total coverage days

Coverage provided as long as duration outside Canada does not exceed the lesser of: 30 days per policy or 49% of the total coverage days

Pre-existing Medical Condition & Stability Exclusions1. Coverage not provided for pre-existing medical condition for which the

insured received treatment in the 180 days prior to the effective date2. Coverage provided for pre-existing medical condition in which the

insured was stable in the 180 days prior to the effective date3. No coverage for pre-existing medical condition for which insured was

hospitalized more than once for 2 consecutive days during 12 monthsprior to effective date

Pre-existing exclusions 1 & 3 apply Pre-existing exclusions 2 & 3 apply

Eligibility Requirements Must meet to apply Must meet to apply

Medical Questionnaire Not required – Guaranteed Issue Up to age 34, not required, guaranteed issue. Ages 35 and over,required; must answer NO to all questions to be eligible.

Effective September 2014

† For the complete list of benefits and maximum sums, refer to policy.

14.5052 Agent-Broker VTC Product Relaunch_Snapshot_EN_00000_MF_MFTI_ VTC Snapshots_E 2014-08-27 11:45 AM Page 1

Plans underwritten by The Manufacturers Life Insurance Company.Manulife and the Block Design are trademarks of The Manufacturers Life Insurance Company and are used by it, and by its affiliates underlicense. © 2014 The Manufacturers Life Insurance Company. All rights reserved.AT0189E 09/14 14.5052

Premiums for Visitors to Canada Travel InsuranceEmergency Medical

Single Trip – Premium per DayCoverage $15,000 $25,000 $50,000 $100,000 $150,000Plan A

0-25 $2.07 $2.17 $2.57 $3.29 $3.75

26-34 $2.11 $2.32 $2.70 $3.62 $3.87

35-39 $2.16 $2.45 $2.75 $3.79 $4.32

40-54 $2.38 $2.72 $3.10 $4.76 $5.40

55-59 $2.46 $2.79 $3.14 $4.84 $6.20

60-64 $3.31 $3.75 $4.34 $5.93 $8.00

65-69 $3.75 $4.25 $5.00 $6.73 $10.60

70-74 $5.20 $5.95 $7.15 $8.80

N/A75-79 $6.00 $7.00 $8.40 $10.80

80-85 $7.70 $9.10 $10.20 $14.00

Plan B

0-25 $2.10 $2.26 $2.67 $3.50 $4.10

26-34 $2.15 $2.43 $2.78 $3.75 $4.40

35-39 $2.25 $2.50 $2.85 $4.00 $4.60

40-54 $2.6 1 $2.98 $3.25 $4.90 $5.81

55-59 $2.70 $3.06 $3.47 $5.25 $6.40

60-64 $3.48 $4.10 $4.81 $6.60 $8.25

65-69 $4.10 $4.65 $5.46 $7.45 $10.93

70-74 $6.17 $6.66 $8.00 $10.90

N/A75-79 $7.63 $8.24 $10.36 $13.40

80-85 $9.80 $11.43 $13.42 $20.00

Optional Insurance –Premium per Day for a Single Trip

Premiums are effective September 12, 2014.Premium rate is per person. All amounts are expressed

in Canadian currency.For Single-Trip Coverage, multiply the numberof days of coverage required by the “per day”

premium rate for the full-trip length.

Family Coverage:(Family includes applicant and applicant’s

spouse and dependent children). Not available for Plan B. Available for Plan A

if all family members are under age 60.

For Emergency Medical, the rate is calculatedat 2X the premium due for the oldest traveller

under age 60. For Optional Insurance (Trip Interruption and Travel Accident),

the rate is calculated at 3X the premiumdue for the oldest traveller under age 60.

Please note: There is a 5% surcharge if a $0 deductible is chosen.

Trip Interruption

Coverage $1,500

0-25 $0.57

26-34 $0.59

35-39 $0.61

40-54 $0.63

55-59 $0.64

60-64 $0.66

65-69 $0.68

70-74 $0.70

75-79 $0.72

80-85 $0.74

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14.5052 Agent-Broker VTC Product Relaunch_Rates_EN_Layout 1 2014-08-27 11

Plans underwritten by The Manufacturers Life Insurance Company (Manulife).Manulife, the Block Design, the Four Cubes Design, and Strong Reliable Trustworthy Forward-thinking are trademarks of The Manufacturers Life Insurance Company and are used by it, and by its affi liates under license. © 2014 The Manufacturers Life Insurance Company. All rights reserved.

Manulife Travel Insurance - Visitors to CanadaWhat’s new for the 2014/2015 Travel Season

Affi nity MarketsAdvisor Supportg

14.5052 08/2014

Policy Enhancements:• Travel Accident Insurance now offered as benefi t with the purchase of Emergency

Medical coverage.

• Penalty for failing to call the Assistance Centre within 24 hours decreased from 25% to 20% of the eligible medical expenses that would normally be paid under the policy.

• Expenses for paramedical services (licensed chiropractor, osteopath, chiropodist, physiotherapist or podiatrist) - Benefi t increase from $300 to $500.

• Expenses for emergency dental treatment - Benefi t increase from $3,000 to $4,000 if you suffer from an accidental blow to the mouth and repair or replacement of your natural or permanently attached artifi cial teeth is required.

Premium Rate Changes:• Premium rate increases an average of 4.8%.

Updated pieces to help you in your sales efforts:• Customizable combo brochure can

include your contact information.

• Updated materials you can order: rate card, application, policy and snapshot.

For more information, contact our sales team at 1 800 346-9285 or Broker Support at 1 877 654-2757.

Don’t forget your wallet card!

Policy for Visitors to CanadaEffective September 2014

The Manufacturers Life Insurance Company

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TravelInsurance