You are eligible for coverage under this policy if:

• You are older than 30 days and under the age of 45; and
• You are either a full-time student with proof of admission or enrolment in a recognized institute of learning; or a full-time student completing post-doctoral research in a recognized institute of learning; and
• You are purchasing coverage as: – an inbound student, when your home country is not Canada and you are temporarily residing in Canada; or – an outbound student, when your home country is Canada, and you are covered under a Canadian provincial/territorial government health insurance plan while you are temporarily residing outside Canada; or – a national student when your home country is Canada and you are covered under a Canadian provincial/territorial government health. You can insure your spouse and dependants under your policy. It’s your responsibility to ensure continued coverage, where applicable, under the provincial/territorial government health insurance plan of the province/territory where you permanently reside.

You are NOT eligible for coverage if you answer “Yes” to ANY of the following questions:

• Have you been diagnosed with a terminal illness with less than two years to live?
• Have you used home oxygen at any time during the 12 months prior to the date of application?
• Has a physician advised you against travel?
• Do you require kidney dialysis?

What's excluded?

• Pre-existing conditions that have not remained stable in the 3 months before the effective date
• Medical conditions related to genetic, acquired or congenital birth defect for children under age 2
• If you get coverage after you arrive at school, there is a 48-hour waiting period except if you are accidentally injured or if you are extending an existing Travel Insurance for Students policy from Manulife

Pre-existing condition means an injury, sickness or symptom that existed before your effective date.

Stable medical condition means that all of the following apply:

• there have not been any new symptom(s); and
• existing symptom(s) have not become more frequent or severe; and
• a physician has not determined that the medical condition has become worse; and
• no test findings have shown that the medical condition may be getting worse; and
• a physician has not provided, prescribed, or recommended any new medication or any change in medication; and
• a physician has not provided prescribed or recommended any investigative testing, new treatment or any change in treatment; and
• there has been no admission to a hospital or referral to a specialty clinic or specialist; and
• a physician has not advised referral to a specialist or further testing, and there has been no testing for which the results have not yet been received.

Change in medication means the medication dosage, frequency or type has been reduced, increased or stopped and/or new medication(s) has/have been prescribed. Exceptions: the routine adjustment of Coumadin, warfarin or insulin (as long as they are not newly prescribed or stopped) if there has been no change in your medical condition; and a change from a brand name medication to a generic brand medication of the same dosage.

Other conditions, limitations and exclusions apply.

Please see the policy for details.