Maritime Travel Insurance Presentation

We operate as John Hancock in the United States, and Manulife in other parts of the world.

Underwritten by The Manufacturers Life Insurance Company

and First North American Insurance Company, a wholly owned subsidiary of Manulife

Golden Rules of Travel Insurance

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Maritime Travel Insurance

Maritime Consultants are

trained by Manulife and are

there to provide you

information on a policy that

will suit your travel needs.

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What is Travel Insurance?

Travel insurance is intended to cover unforeseen and unexpected expenses and other losses incurred before and during travel.

The main components of travel insurance are:

� Emergency Medical

� Trip Cancellation and/or Trip Interruption of your trip

� Loss/Theft /Delay of your luggage

� Flight & Travel Accident

The value of a benefit is measured by how many reasons it will allow you to claim for!

Some common travel illnesses:

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�Allergies

�Rashes and other skin infections

�Asthma

�Flu and other respiratory infections

�Ear infection – (common with kids)

�Eye infection

�Sinus infection

�Headache

�Low Back pain

�Urinary infection

�Minor sunburn

�Dehydration

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�Finding quality healthcare services

�Difficulty accessing the necessary care

�Inconsistent hours of operation at Urgent Care Centers

�Long wait times at emergency rooms

�Risks of infection acquired in healthcare facility

�Overutilization/defensive medicine

�EXCESSIVE emergency room charges

Healthcare challenges when travelling

include:

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� Schedule Changes before departure

� Delays due to the misfortune of others

� Delays due to weather

� Issues relating to your job that now make it impossible to travel

� Overbooked flight effecting your overall travel plans

� Travel Advisories

� Delayed, lost , stolen or damaged luggage

Common Travel Challenges

Be A ResponsibleTravel Insurance Purchaser

� There are many policies available in the market place. Some have age limits and others require completing of a medical questionnaire

� Policies require, age, address, duration of trip, point of departure and sum insured

� It is your responsibility to ensure all necessary documents are completed accurately and truthfully

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Work Coverage

� Employee Group Insurance Benefits are typically purchased

by an employer for their employees for reasons such as

Prescription Drugs, Eye Glasses and Dental, but NOTcomprehensive Travel Insurance.

� Some plans have deductibles

� Some do not have assistance providers you can call 24/7

� Others do not pay up front and direct when possible.

� They do not cover trip cancellation, travel delay etc.

Do you have the cash on hand to pay out of pocket?

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What Should YOU Do?

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� Check your employee plan coverage with benefit details

� Check your stability periods

� Make sure there is 24 hour call center to assist with direct billing, interruptions, delays & misconnections

� Insureye.com credit card tool to see your potential coverage

� Read your policy and check the trip cancellation section on all the events that are covered or not

� Ask your travel agent about the difference between your coverage and Maritime Travel Insurance

� Don’t hesitate to ask specific questions about our coverage

— 1 888 595-5311 for Maritime Travel Insurance

Credit Card Reference Tool

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A great resource to help answer some of the important questions, and to ensure you understand your coverage.

Does your credit card cover you?

www.insureye.comGreat site to compares credit card Insurance

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Manulife does not promote or guarantee the accuracy of the content contained in this website.

Make Sure You Have Coverage

The last thing anyone wants is to think they have coverage

but DON’T ACTUALLY HAVE IT……and now it’s too late!!!

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Maritime Travel Insurance

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� Wide variety of plans to suit your needs

� Package or Stand Alone options

� Family rates are available to save money

� Medical Only policies have deductibles available that allow discount on premium

� No age restrictions

� Cancel for Any Reason Benefit

Emergency Assistance Centre

� Open 24 hours a day 7 days a week.

� Contact the Assistance Centre as soon as possible in an emergency so we can make sure your needs are looked after (direct billing for medical bills etc.)

� Bring your Wallet Card travelling for easy access to phone numbers and your policy number.

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StandbyMD-Medical Concierge

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StandbyMD ENHANCES traditional travel

coverage by providing timely and personal

medical advice to travelers whenever they

need it, 24 hours a day, 7 days a week.*

StandbyMD helps ALLEVIATE uncertainty

by providing early assessment and

facilitating an appropriate plan of action.

*The StandbyMD program is provided by Healthcare Concierge Services Inc. Manulife and its agents are not responsible for the availability, quality, or results of services provided under the StandbyMD program.

StandbyMD

Regardless of where you travel,

StandbyMD offers telephone

access to a qualified physician

who can assess symptoms and

provide treatment options

In major tourist centers in Mexico,

the United States or Dominican

Republic, you have access to

physician house calls

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Medical Questionnaire

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� For clients over 60 purchasing a medical only plan

� Eligibility questions to determine if able to purchase

� Additional questions to determine your rate category and therefore premium

� If unsure ask your doctor as you need to answer truthfully

Eligibility Questions

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� You have been advised by a physician not to travel at this time;

� You have had or are waiting for an organ or bone marrow transplant (excluding corneal transplant);

� You require kidney dialysis; d. In the last twelve (12) months, you have been prescribed or taken Lasix or furosemide for any reason or you have had heart failure;

� You have been diagnosed with a medical condition for which a physician has estimated that you have less than six (6) months to live;

� In the past twelve (12) months you have used or been prescribed home oxygen;

� You have ever been diagnosed with AIDS (Acquired Immune

Medically Underwritten Plans (MUPS)

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� Client calls 1-855-857-5922

� Client must disclose all conditions & medications

� Process takes 20 – 30 minutes

� If approved for coverage – quote is immediate

� Client is covered for all pre-existing conditions

� No stability period applies

� No Fly Questions apply

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Travel Insurance at a Glance

Don’t forget to take a

copy of our brochure

Thank you

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Underwritten by The Manufacturers Life Insurance Company and First North American Insurance Company, a wholly owned subsidiary of

Manulife. Manulife and the Block Design are trademarks of The Manufacturers Life Insurance Company and are used by it, and by its affiliates

under licence. TM/® Trademarks of The Manufacturers Life Insurance Company. © 2016 The Manufacturers Life Insurance Company. All rights

reserved.

Manulife, PO Box 4213 Stn A, Toronto, ON, M5W 5M3.

February 2016.

Accessible formats and communication supports are available upon request. Visit Manulife.com/accessibility for more information.