Annual Travel Insurance

You and/or your spouse must be covered under the Government Health Insurance Plan of your province or territory of residence and have your permanent residence in Canada to enroll in the Annual Travel Insurance Plan.

When you and/or your spouse apply for the MROO Health Care Plan, this will be the only chance to enroll in the MROO Annual Travel Insurance Plan. When you are accepted in the MROO Health Care Plan you are guaranteed acceptance into the MROO Annual Travel Insurance Plan.

If you and your spouse are enrolling in the MROO Health Care Plan as a couple and you are adding the MROO Annual Travel Insurance Plan, you must take couple coverage for both plans.

Choose the plan that meets your travel needs from unlimited trips of up to 30, 45, 60, 90, 120, 150 or 180 days during the policy year.

• $5 million of coverage per insured person, per trip
• Favourable stability period for pre-existing medical conditions – three months for high blood pressure and six months for other conditions
• Once enrolled, there is no age limit for coverage.
• The trip duration may be changed annually, with no medical questions.

If you are taking a longer trip than your MROO Annual Travel Insurance Plan allows, you can contact our travel insurance provider directly at 1-833-389-1088 to purchase a separate, individual travel insurance plan for the additional days.

They also offer non-medical coverage, which includes Trip Cancellation, Trip Interruption, Baggage and Personal Effects benefits, and more.

Worldwide Assistance on Call

After enrollment, you will be issued a medical assistance card with emergency telephone numbers that you can call in the event of a medical emergency.

Pre-existing Medical Conditions¹

If you have a pre-existing medical condition, coverage is available provided it has remained stable for a period of six months immediately prior to departure. For high blood pressure conditions only, the stability period is three months.

Your policy will include the definition of “stable”. Refer to your policy for the complete list of benefits, exclusions and limitations.

Benefits under this Insurance Coverage²

Here is a chart showing some of the Annual Travel Insurance Plan benefits:

* Reasonable and Customary Costs means costs that are incurred for approved, covered medical services or supplies that do not exceed the standard fee of other providers of similar standing in the same geographical area, for the same treatment of a similar Sickness and/or Injury.

The information found on this webpage is intended for promotional purposes and is not an insurance policy. It is not an offer of insurance. It contains some information about coverages offered by The Manufacturers Life Insurance Company. but it does not list all of the conditions and exclusions that apply to the described coverages. The actual wording of the policy governs all situations. The products and rates described are subject to change without notice at any time.

Manulife, Manulife & Stylized M Design, and Stylized M Design are trademarks of The Manufacturers Life Insurance Company and are used by it, and by its affiliates under license. © 2022 The Manufacturers Life Insurance Company. All rights reserved. Administered by Victor Insurance Managers Inc.

¹ Pre-existing medical conditions may need to be stable for a certain period of time in order to be eligible for coverage under this insurance, even when no medical questionnaire is required.

² Certain conditions, limitations and exclusions may apply.