Medical Coverage

• Emergency Hospital Services — hospital room and board or intensive care; private duty nursing when ordered in writing in lieu of hospitalization and arranged by the Assistance Centre
• Emergency Medical Services — services of a physician or surgeon needed to treat an emergency
• Medical Procedures & Diagnostic Services — including MRI, MRCP, CAT scan, CT angiogram, nuclear stress test, angiogram, cardiac catheterization, or surgery — prior approval by the Assistance Centre required
• Prescription Drugs — medications required to treat an emergency, on the written prescription of a physician; includes replacement of lost, stolen, or damaged drugs up to the lesser of $50 or the amount needed for the balance of the trip (vitamins, OTC drugs, contraception, and birth control are not covered)
• Medical Equipment — rental or purchase of durable medical equipment for therapeutic use — prior approval required
• Emergency Dental — Accidental Blow — repair of natural or permanently attached artificial teeth damaged by an accidental blow to the head or mouth; up to $1,500 for continuing dental treatment after your return to Canada, if incurred within 180 days of the accident
• Emergency Dental — Pain Relief — up to $300 to relieve acute pain and suffering unrelated to an accidental blow
• Emergency Paramedical Services — chiropractor, chiropodist, physiotherapist, osteopath, or podiatrist when medically necessary; up to $300 per category of practitioner
• Ground Ambulance — ambulance to the nearest appropriate facility; local taxi fares reimbursed up to $100 if an ambulance is medically necessary but unavailable, or for a minor emergency

Emergency Services

• Emergency Medical Evacuation / Return Home — up to $1,000,000; transportation under medical supervision to another hospital or back to your home province — must be approved and arranged in advance by the Assistance Centre
• Repatriation of Remains — reasonable costs to return your body or ashes to your home province, up to $1,000,000; or up to $3,000 for burial or cremation at the place of death
• Identification of Remains — round-trip economy transport for one relative or close friend, plus up to $450 for accommodation and meals, when legally required to identify remains — prior written approval required
• Visit to Bedside — round-trip economy transportation for one relative or close friend, plus up to $500 for accommodation and meals, during a critical sickness or injury — prior written approval required
• Return & Escort of Children — one-way economy transportation to return children (including grandchildren) traveling with you to Canada, plus round-trip transportation and overnight hotel for an escort, if you are hospitalized 24+ hours or must return to Canada
• Return of Travel Companion — one-way economy transportation for your travel companion if they cannot return as originally scheduled due to your death or medical evacuation
• Travel Expenses — Repatriation of Travel Companion — one-way economy transportation for you if you cannot return as scheduled due to the death or medical evacuation of your travel companion
• Vehicle Return — reasonable costs to return your vehicle to your residence or nearest rental depot when you are unable to due to an emergency
• Hospital Allowance — $50 per day, up to $500, for incidental expenses when hospitalized 48 hours or more
• Baggage Repatriation — up to $200 to ship baggage and personal effects to your original departure point when the Assistance Centre is arranging your return
• Accommodation & Meals — up to $150 for commercial accommodation, meals, essential calls, internet, and local transport when you are relocated for emergency treatment or delayed
• Child Care Cost — $50 per day, up to $500, for professional child care when you are relocated for emergency treatment or delayed (receipts required)

The Manulife Global Youth Emergency Medical Policy is purpose-built for young Canadian residents — up to age 29 — who maintain valid provincial or territorial government health coverage and are traveling outside their home province, whether for a few days or up to a full year. It covers the sudden, unexpected medical emergencies that a Canadian government health plan often won't fully cover once you leave your province.

This plan is an excellent fit for:

• Young athletes and hockey players traveling for tournaments, camps, showcases, and competition
• Students traveling or studying outside their home province
• Young Canadians on gap-year, seasonal work, or extended travel
• Youth traveling with family, teams, or groups
• Anyone under 30 needing affordable emergency medical coverage away from home

Eligibility notes:

• Available to Canadian residents over 30 days old and up to age 29
• You must maintain a valid Canadian government health insurance plan for the entire duration of your trip — otherwise reimbursement is capped at $25,000
• Your trip must originate and terminate in Canada
• Coverage must be purchased before you depart your province or territory of residence
• Trips of up to 365 days (coverage cannot exceed 12 consecutive months)
• Pre-existing conditions are subject to a 3-month stability lookback before your effective date (see Tab 6)
• Coverage can be arranged as a Top-Up to another plan for longer trips, and extended (subject to premium) as long as total trip length stays within 365 days

If your player is registered with USA Hockey, they already have some accident coverage during sanctioned or approved events. But that program is built to sit on top of other insurance — and it works better, and costs your family less, when a plan like this one is in place. Here's how the pieces fit.

What the USA Hockey Accident plan covers:

• Excess accident medical — up to $50,000 (includes limited dental). It pays after your other insurance, and only for injuries at sanctioned events.
• Catastrophic injury medical — up to $2,000,000, with a $50,000 deductible that's usually absorbed by your other coverage and the excess medical plan.
• The deductible depends on whether you carry other insurance:
  • With a primary plan in place — $1,000 out-of-pocket per accident.
  • With no primary plan — $3,500 deductible, because USA Hockey then has to act as the primary payer.

What the Manulife Global Youth Emergency plan adds (for Canadian players visiting the U.S.):

• Up to $1,000,000 in emergency medical for the whole trip — not just hockey injuries, but any sudden illness or accident while your player is away from home.
• It counts as the "primary" coverage USA Hockey looks for, keeping your out-of-pocket at the $1,000 level instead of $3,500.
• Up to $1,000,000 for emergency evacuation and return to Canada, plus accidental dental up to $1,000,000.
• Coverage USA Hockey doesn't provide — off-ice illness, emergencies away from sanctioned events, and other travel medical needs.

Put simply: this plan handles the broad, everyday emergency medical; USA Hockey's excess and catastrophic layers handle the serious on-ice injuries; and having a primary plan in place keeps your deductible at the lower $1,000.

What this plan does not cover — please read before buying:

• Paid play. Injuries from any hockey a player is paid to play are excluded. Amateur and minor hockey are covered; if your player receives compensation, call us about the right plan.
• Pre-existing conditions that weren't stable in the 3 months before the effective date.
• The $25,000 cap. Reimbursement is limited to $25,000 if your player isn't covered by a Canadian provincial or territorial health plan for the entire trip — keep that health card active.
• Non-emergency, follow-up, and rehab care. This is emergency coverage; ongoing physiotherapy or rehab after you're home is limited or excluded.

If something happens on the road: call the Assistance Centre before treatment — 1-877-251-4517 (toll-free, U.S. & Canada). Skipping that call leaves your player responsible for 25% of the bill.

(This plan does not carry traditional add-on riders. Instead of "optional upgrades," this tab covers the ways coverage can be extended or stepped up — see the note to Kristen in the flags section.)

• Top-Up Coverage — Purchase this plan before departure to add to insurance you already hold from another source for a portion of your trip. It's your responsibility to confirm a Top-Up is permitted on your existing plan with no gap in coverage.
• Coverage Extensions — If you're already traveling, call the Assistance Centre before your expiry date to extend, subject to an additional premium, as long as total trip length does not exceed 365 days. If you have not had (or don't expect) a medical condition or claim since the policy was issued, the extension is issued right away; otherwise it's subject to Assistance Centre approval.
• Step Up to Higher Limits — Travelers who want more than $1,000,000 in emergency medical coverage can consider the regular Emergency Medical Plan, which covers up to $5,000,000 for emergency medical expenses. Ask about eligibility.

Help is available 24 hours a day, every day of the year, through the Active Care Management (ACM) Assistance Centre and the free ACM TravelAid™ mobile app (Google Play and App Store).

In an emergency, call the Assistance Centre immediately:

• 1-877-251-4517 — toll-free from the USA and Canada
• +1 (519) 251-7423 — call collect where available

You must call before obtaining treatment or admission to hospital (or within 24 hours after a life- or organ-threatening emergency, unless you are unconscious or physically unable). If you don't, you'll be responsible for 25% of the eligible medical expenses. If it's medically impossible for you to call, have someone call on your behalf.

ACM TravelAid™ app — direct link to the Assistance Centre, healthcare provider information, directions to the nearest medical facility, official travel advisories, travel tips, and claim submission support. Download before you travel to avoid roaming charges.

Pre-trip information: passport and visa information · health hazards advisory · weather · currency exchange · consulate and embassy locations.

During a medical emergency: verifying and explaining coverage · referral to a doctor, hospital, or other providers · monitoring your emergency and keeping family informed · arranging medically necessary return transportation home · arranging direct billing of covered expenses where possible.

Other services: assistance with lost, stolen, or delayed baggage · emergency cash · translation and interpreter services · emergency messages · replacement of lost or stolen airline tickets · assistance obtaining prescription drugs · assistance obtaining legal help or bail bond.

Medical Concierge — StandbyMD: Access to an international network of medical providers across 141 countries and over 4,500 cities, including teleconsultations, visiting physicians, in-network clinics and ERs, and (within Canada and the U.S.) same-day coordination and delivery of lost or forgotten prescription maintenance medication, eyeglasses, contact lenses, and medical supplies. Access it by calling the Assistance Centre.

Pre-Existing Conditions: This insurance does not cover a pre-existing or related medical condition that was not stable during the 3-month period before your effective date. A condition is "stable" when there have been no new or changed treatments or medications, no worsening, no new or more frequent symptoms, no hospitalization or specialist referral, and no pending tests or treatment. It also excludes any condition you knew (or reasonably should have expected) would require treatment during your trip.

Key conditions & limitations:

• You must call the Assistance Centre before treatment or hospital admission (or within 24 hours of a life/organ-threatening emergency) or you pay 25% of covered expenses.
• After treatment begins, the Assistance Centre must assess and pre-approve additional treatment, tests, or surgery, or the claim may not be paid.
• The Assistance Centre may return you to Canada for treatment if you are medically able to travel; declining a medically supported transfer ends coverage.
• $25,000 maximum if you are not covered by a government health plan for the entire trip.

Notable exclusions include: non-emergency, experimental, or elective treatment · treatment that can reasonably wait until you return to Canada · transplants · trips taken to obtain treatment · replenishing maintenance medications · preventive medicines, inoculations, birth control, and OTC drugs · pregnancy/delivery within 9 weeks of the due date and any child born on the trip · self-inflicted injuries (unless linked to a mental health illness) · minor mental or emotional disorders · conditions related to chronic use or abuse of alcohol, drugs, or intoxicants · criminal or illegal acts · fraud or misstatement · conditions arising after a Government of Canada "Avoid all travel" / "Avoid non-essential travel" advisory (unrelated emergencies still covered).

High-risk activity exclusions: No coverage for injuries sustained while participating in any sporting activity for which you are paid, or in BASE jumping/wingsuit flying, hang-gliding, spelunking, hunting, bungee jumping, piloting an aircraft, rock climbing, technical mountain-climbing (using specialized equipment), scuba diving without an open-water certificate, motorcycling without a valid Canadian motorcycle licence, mopeds without a valid Canadian driver's licence, or motor-vehicle competition/speed events.

Act of Terrorism Coverage: Where an act of terrorism causes an otherwise-covered loss, benefits are payable up to an aggregate of $35,000,000 CDN per act (up to two acts per calendar year), on an excess basis. Losses caused by biological, chemical, nuclear, or radioactive means are excluded.

Plan Documents

• Policy Booklet / Full Policy Wording (GYEM522E) — complete terms, conditions, schedule of benefits, and exclusions
• Product Summary — Youth Emergency Medical Plan overview
• Quebec Residents — Fact Sheet on consumer rights and Notice of Rescission
• Get a Quote / Purchase — igoinsured.com (Canadians only)

The full policy wording prevails in the event of any discrepancy between this summary and the policy. This is not a complete description of all benefits, provisions, and exclusions. Underwritten by The Manufacturers Life Insurance Company (Manulife).

Notice of Claim & Proof of Loss: Submit your written proof of claim and fully completed Travel Insurance claim form(s) within 90 days after the event, and no later than 12 months after the date of loss.

Step-by-step:

1. Call the Assistance Centre first — before or at the time of treatment (see Tab 5 for the 25% penalty if you don't).
2. Gather your documents — original itemized receipts for all bills and invoices; proof of payment by you and any other benefit plan; medical records including the attending physician's complete diagnosis showing the treatment was medically necessary; proof of the accident (for accidental dental claims); proof of travel (departure and return dates); and your historical medical records if requested. Original documentation is required; certified copies may be accepted for reasonable cause. English or French translations must be provided free of expense.
3. Submit your claim — online at www.active-care.ca or https://manulife.acmtravel.ca, or by mail.

Mail written claims correspondence to: Manulife Global – Youth Emergency Medical Policy c/o Active Care Management PO Box 1237, Station A Windsor, ON N9A 6P8

Phone:

• Claim status: 1-855-317-1193
• Coverage information / general inquiries: 1-866-298-2722
• Emergency Assistance Centre: 1-877-251-4517 (toll-free USA/Canada) or +1 (519) 251-7423 (collect)

Good to know: This policy pays on an excess basis and is secondary to all other sources of recovery. Benefit payments are made to you or, to simplify matters, directly to the service provider. In the event of death, benefits payable for loss of life are paid to your estate.

You have 10 days from your purchase date to review this policy. If it doesn't meet your needs, you can cancel and receive a full premium refund, provided that:

1. You have not departed on your trip; and
2. There is no claim in progress.

To request a refund, simply contact the travel agent from whom you purchased the insurance.

Purchasing with confidence: the free look period lets you review your full coverage after checkout and cancel penalty-free if it isn't the right fit.