All - Inclusive:

Includes Emergency Medical, Trip Cancellation & Interruption, Baggage Loss, Damage or Delay, Flight Accident and Travel Accident.

Emergency Medical Benefits*
• Up to $5 million in emergency medical coverage
• Coverage for professional medical services due to covered risk, up to $300 by profession
• Ambulance transportation
• Emergency dental treatment
• Expenses related to death
• Return home, if recommended by attending physician
• Visit to bedside if travelling alone
• Return of children in the care of the insured
• Additional expenses for meals and hotel
• Return home of vehicle
• Trip break without terminating coverage
* Please note: If the claim is a result of an act of terrorism, this benefit may be limited.

Trip Cancellation and Trip Interruption Benefits
• Up to $3,000 per insured per trip, and up to $5,000 per policy year for Multi-Trip All-Inclusive Plans
• Reimbursement of prepaid portion of the trip that is non-refundable and non-transferable to another travel -.date for a covered event

Highlights of insured risks:
• Medical condition or death of insured (or insured's travel companion)
• Medical condition or death of insured's (or insured's travel companion's immediate family or key person)
• Business meeting
• Canadian Government issues travel advisory
• Travel visa not issued
• The person whose guest the insured will be during trip has a medical emergency or dies
• Misconnection

Baggage Loss, Damage or Delay

-.This coverage relates to the loss of, damage to, and delay of baggage and effects. This insurance provides -.coverage for the following expenses:
• Up to $100 for replacement of a lost or stolen passport, driver's license, birth certificate or travel visa
• Up to $500 for necessary toiletries and clothing when luggage is delayed by the carrier for at least 10 hours -.while the insured is en route. The maximum payable for this benefit under the Multi-Trip All-inclusive plan is -.$1,500 per policy year
• Up to $300 per trip for any item or set of items to a maximum of $1,000. The maximum payable for this benefit -.under the Multi-Trip All-inclusive Plan is $3,000 per policy year

Flight Accident and Travel Accident

Flight Accident and Travel Accident Insurance covers the following benefits:
• If an accidental bodily injury causes the insured to die, to become completely and permanently blind in both -.eyes or to have two limbs fully severed above the wrist or ankle joints, in the 12 months after the accident, -.Manulife Financial will pay: $100,000 under Flight Accident Insurance; or $50,000 under Travel Accident -.insurance
• If an accidental bodily injury causes the insured to become completely and permanently blind in one eye or -.have one limb fully severed above a wrist or ankle joint in the 12 months after the accident, Manulife Financial -.will pay: $50,000 under Flight Accident Insurance; or $25,000 under Travel Accident Insurance
• If the insured has more than one accidental bodily injury during the trip, Manulife Financial will pay the -.applicable insured sum only for the one accident that entitles the insured to the largest benefit amount