Who is eligible for Manulife Policy for Students?

Full-time students at least 30 days of age and under age 45, with proof of admission or enrollment at a recognized learning institution, or a student completing post-doctoral research. The named spouse and/or child living with the student also qualifies. Canadian students must be covered under a government health insurance plan (GHIP). International students must be temporarily living in Canada and not yet covered under a GHIP.

What is the maximum coverage under Manulife Policy for Students?

Up to $2,000,000 in emergency medical coverage per person per trip. The policy is effective October 2023 and runs for up to 365 days, starting from up to 30 days before the school year begins to up to 60 days after the school year ends.

Which student plans does Manulife offer?

Three Manulife Policy for Students options: (1) for international students studying in Canada; (2) for Canadian students studying outside of Canada; (3) for Canadian students studying in Canada outside their home province or territory. All three plans share the same Schedule of Benefits but differ in residency and GHIP requirements.

Is dental coverage included?

Yes. Up to $2,500 to repair or replace natural or permanently attached artificial teeth when treatment is required within 90 days of an accidental blow to the mouth. Up to $100 for emergency services to relieve dental pain. Up to $250 per tooth to extract impacted wisdom teeth.

Does the plan cover tuition reimbursement?

Yes. Up to $5,000 per semester if a covered emergency prevents you from attending school and results in failing grades, minus any amounts refunded by the school. The emergency and grades must be confirmed by both your physician and the school registrar. There is an overall aggregate limit of $250,000 across all in-force Manulife Policy for Students plans.

Can I return home during the policy period (trip break)?

Yes. You may temporarily return home for up to 21 days while you are enrolled in school to attend a special event without terminating your coverage. No coverage applies under this plan while you are home during a trip break — you are covered under your home province GHIP during this time.

Is family coverage available?

Yes. Family coverage covers the named student, their spouse, and children at least 30 days of age. All insured persons must be under age 45, travel together, and meet eligibility requirements. Family coverage is calculated as 2× the rate for the oldest parent.

Manulife International Student Insurance Canada

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Manulife Policy for Students (effective October 2023) provides emergency medical and accidental dental coverage for full-time students under age 45 who are studying away from home. Three plan variants cover three student situations: international students studying in Canada, Canadian students studying outside Canada, and Canadian students studying in another Canadian province or territory. All three plans share the same Schedule of Benefits with up to $2,000,000 in maximum emergency medical coverage. Plans are underwritten by The Manufacturers Life Insurance Company (Manulife).

$2,000,000Maximum emergency medical

3 plan variantsInbound, Outbound, National

Under age 45Eligibility limit

24/7Manulife Travel Assistance

Available Plans

Plan	Who it covers	Residency / GHIP
For international students studying in Canada	Inbound students temporarily living in Canada (Canada is not their home country)	Not insured under a Canadian GHIP. Coverage ends if you become insured under a GHIP.
For Canadians studying outside of Canada	Outbound Canadian students studying abroad	Must live in Canada and be covered under a GHIP from your home province for the entire duration outside Canada
For Canadians studying in another province or territory	National Canadian students studying in Canada outside their home province	Must live in Canada and be covered under a GHIP from your home province throughout your stay

Family coverage available: Your spouse and children (at least 30 days of age, under age 45) living with you can be covered under one policy at 2× the rate for the oldest parent.

Eligibility

Requirements to purchase (all three plans)

At least 30 days of age and under age 45
Full-time student with proof of admission/enrollment at a recognized learning institution, or a student completing post-doctoral research, or the named spouse or child of and living with the student
For Inbound plan: temporarily living in Canada (Canada is not your home country)
For Outbound and National plans: live in Canada and covered under a Canadian GHIP for the duration of your stay

Not eligible (all plans) if any of the following apply:

You have been advised by a physician not to travel
You have been diagnosed with a terminal illness with less than 2 years to live
You have a kidney condition that requires dialysis
You used home oxygen during the 12 months before applying

Waiting period: A waiting period applies if you purchase this insurance after arriving at your destination. Any claim resulting from sickness that begins during the waiting period is not covered.

Schedule of Benefits (all three plans)

Covered Expense	Maximum
Hospital (semi-private room or intensive/coronary care if medically necessary)	Up to 60 days per injury or sickness
Emergency medical treatment (overall maximum per trip)	Up to $2,000,000
Medical repatriation	Up to $100,000
Psychiatric care	Up to $5,000
Private duty nursing	Up to $10,000
Family transportation (round-trip economy)	Up to $3,000
Family meals and accommodations	Up to $1,500 ($150/day)
Prescription drugs	Up to a 30-day supply
Expenses related to your death	Up to $25,000
Accidental death & dismemberment	Up to $10,000
Paramedical (chiropractor, osteopath, physiotherapist, chiropodist, podiatrist)	$70/visit, $700 combined max
Trauma counselling (within 90 days of the emergency)	Up to 6 sessions
Accidental dental — repair/replace natural teeth (treatment within 90 days of accident)	Up to $2,500
Emergency dental pain relief	Up to $100
Impacted wisdom teeth extraction	Up to $250 per tooth
Eye exam (1 per year, registered optometrist)	Reasonable and customary
Physician visits (in or out of hospital, plus up to 5 follow-ups)	Reasonable and customary
Medical appliances rental	Lesser of rent or purchase cost
Diagnostic tests (pre-approval required for major tests)	Reasonable and customary
Tuition reimbursement (per semester)	Up to $5,000 ($250,000 aggregate across all policies)

Special features

Trip break: Temporarily return home for up to 21 consecutive days while still enrolled to attend a special event, without terminating your coverage. No claims paid under this plan while you are home — your GHIP covers you during the trip break.
Tuition reimbursement (up to $5,000 per semester) if a covered emergency causes failing grades. Must be confirmed by physician and school registrar.
Inbound plan — travel outside Canada: Coverage outside Canada up to 15 consecutive days if (a) travel is <50% of policy period, (b) travel begins/ends in Canada, and (c) excludes your home country.
Coverage starts: Up to 30 days before the school year begins; ends: up to 60 days after the school year ends; maximum policy duration: 365 days.
10-day free look period to review and cancel for full refund (no claims, trip not started).
Re-application between semesters permitted with proof of enrollment for the following semester.

Pre-existing conditions

A pre-existing condition exclusion applies to all three plans. The policy may not cover claims related to pre-existing medical conditions, whether disclosed or not at the time of purchase. The policy does not cover sickness or injury for which symptoms appeared, or for which treatment was sought or recommended, before the effective date.

Coverage is also not available if a condition has become unstable. A condition is considered "stable" when no new treatment is prescribed, no medication change is made, no symptoms worsen, no hospitalization or referral has occurred, and no test results are pending. Review the policy wording carefully for the full pre-existing condition exclusion that applies to your plan variant.

Key exclusions

Pre-existing medical conditions not stable as defined in the policy
Routine, elective, experimental, or investigative treatment
Pregnancy, childbirth, child born on trip, and related complications
Mental or emotional disorders beyond the stated psychiatric and counselling limits
Self-inflicted injuries or suicide attempts
Excessive use of alcohol, drugs, or other intoxicants
High-risk activities and extreme sports
War, civil unrest, or participation in illegal acts
Acts of terrorism beyond the aggregate maximum limit

Claims & Emergency Assistance

In an emergency, contact the Manulife Assistance Centre immediately — available 24 hours a day, every day of the year:

Toll-free from Canada or USA: 1-877-331-3134
Collect, where available: +1 (519) 251-7401

You must call the Assistance Centre before obtaining emergency treatment so the Centre can confirm coverage and pre-approve treatment. If you fail to call before treatment, you will be responsible for 25% of your medical expenses covered under the policy. If you cannot call due to your medical condition, have someone call on your behalf as soon as possible.

Pre-approval by the Assistance Centre is required for major diagnostic testing and certain other benefits.

You can also access the Assistance Centre and submit claims via the Manulife TravelAid mobile app (available on Google Play and the Apple App Store) or online at manulife.acmtravel.ca.

Frequently Asked Questions

Who is eligible for Manulife Policy for Students?: Full-time students at least 30 days of age and under age 45, with proof of admission/enrollment at a recognized learning institution, or a student completing post-doctoral research. The named spouse and/or child living with the student also qualifies. Canadian students need a GHIP from their home province; international students are temporarily in Canada without a GHIP.
What is the maximum coverage?: Up to $2,000,000 in emergency medical coverage per person. The policy runs for up to 365 days, beginning up to 30 days before the school year starts and ending up to 60 days after the school year ends.
Which student plans does Manulife offer?: Three variants of the Manulife Policy for Students: for international students studying in Canada (Inbound), for Canadian students studying abroad (Outbound), and for Canadian students studying in another province or territory (National). All share the same Schedule of Benefits.
What dental coverage is included?: Accidental dental injury: up to $2,500 to repair or replace natural or permanently attached artificial teeth when an accidental blow to the mouth requires treatment within 90 days. Emergency dental pain relief: up to $100. Impacted wisdom teeth extraction: up to $250 per tooth.
Is tuition reimbursement available?: Yes — up to $5,000 per semester if a covered emergency causes failing grades, minus any amount refunded by the school. The emergency and grades must be confirmed by both your physician and the school registrar. Overall aggregate limit: $250,000 across all in-force Manulife Policy for Students plans.
Can my family be covered?: Yes. Your spouse and children (at least 30 days of age, under age 45) living with you can be covered under one policy. Family coverage is calculated as 2× the rate for the oldest parent.
Can I temporarily return home during the policy?: Yes — the Trip Break benefit allows you to return home for up to 21 consecutive days while still enrolled, to attend a special event. Coverage is suspended (not terminated) during the trip break; your home province GHIP covers you while home.
What if I don't call Manulife Assistance before treatment?: You will be responsible for 25% of your medical expenses covered under the insurance. You must call before any emergency treatment so the Assistance Centre can confirm coverage and pre-approve. If you cannot call yourself due to your medical condition, have someone call on your behalf as soon as possible.

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