After enrollment, you’ll be given a medical assistance card with emergency telephone numbers, which you must call, before getting medical assistance, in the event of a medical emergency.
Plan benefits and eligibility
You and/or your spouse must be covered under the Government Health Insurance Plan of your province or territory of residence (such as OHIP) and have permanent residence in Canada to enroll in the Annual Travel Insurance Plan.
When you and/or your spouse apply for the MROO Health Insurance Plan, this will be the only chance to enroll in the MROO Annual Travel Insurance Plan. When you’re accepted in the MROO Health Insurance Plan, you’re guaranteed acceptance into the MROO Annual Travel Insurance Plan.
If you and your spouse are enrolling in the MROO Health Insurance 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. With coverage for trips of up to 180 days of the year. This includes:
- Up to $5 million of coverage per insured person, per trip (certain benefit limits apply)
Favourable stability period for pre-existing medical conditions
– Three months for high blood pressure and six months for other conditionsOnce enrolled, there is no maximum 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
Here is a chart showing some of the Annual Travel Insurance Plan benefits:
Benefit |
Limit |
Hospital or medical facility accommodation |
Reasonable and customary charges*, private room |
Incidental expenses |
Up to $250 |
Physician charges |
Reasonable and customary charges* |
Private duty nurses |
Up to $5,000 |
Diagnostic services |
Reasonable and customary charges* |
Medical appliances |
Reasonable and customary charges* |
Paramedical services |
$500 per profession |
Prescriptions |
30-day supply per prescription |
Lost prescriptions |
Up to $250 |
Ground ambulance services |
Reasonable and customary charges* |
Emergency air transportation |
Reasonable and customary charges* |
Transportation to bedside |
Economy round-trip airfare and up to $250 per day, to a maximum of $5,000 for meals and accommodation per trip |
Return of travel companion |
One-way economy airfare |
Return of deceased |
Up to $15,000 for the cost of preparation and transportation of deceased, or up to $5,000 for cremation and/or burial |
Meals and accommodation |
Up to $250 per day, to a maximum of $5,000 per trip |
Treatment of dental accidents |
Up to $2,500 |
Treatment of dental pain |
Up to $300 |
Pet return |
Up to $500 |
Vehicle return |
Up to $10,000 |
Alternate transportation |
Up to $5,000 |
Medical referral |
Up to $75,000 per person, per lifetime |
* Reasonable and customary charges mean charges incurred for goods and services that are comparable to what other providers charge for similar goods and services in the same geographical area.
The information found on this web page 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 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.
¹Certain conditions, limitations and exclusions may apply.
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 the date of 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.
² 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.
Please refer to your policy for a complete list of benefits, exclusions and limitations.
Please refer to your policy for information on how claims are managed.
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