EFFECTIVE September 2021 TRAVEL AGENT RATE GUIDE

1 TRAVEL AGENT RATE GUIDEU nderwritten by The Manufacturers Life insurance Company and First North American insurance Company, a wholly owned subsidiary of 2021 MGRAT921E_rev11 TABLE OF CONTENTST ravel insurance Plans At-A-Glance .. Page 2 All-Inclusive Package Plan .. Page 4 Non-Medical Inclusive Package Plan .. Page 5 Emergency Medical Plan .. Page 6 Canada Medical Plan .. Page 8 Canada All-Inclusive Package Plan .. Page 10 trip cancellation & Interruption Plan .. Page 11 Annual All-Inclusive Package Plan - up to $1,500 trip cancellation .. Page 12 Annual All-Inclusive Package Plan - up to $2,500 trip cancellation .. Page 12 Annual Emergency Medical Plan .. Page 13 Visitors to Canada Medical Plan .. Page 13 Youth All-Inclusive Plan.

2 Page 14 Youth Emergency Medical Plan .. Page 14 Air Fare cancellation Plan .. Page 14 Baggage and Personal Effects Plan .. Page 15 Rental Vehicle Damage Plan .. Page 15 Important Information .. Page 162 BTRAVEL insurance PLANS AT-A-GLANCEPLANSINSURANCE MAXIMUM BENEFITS & FEATURESPLANSINSURANCE MAXIMUM BENEFITS & FEATURESE ligible Age[1] trip cancellation [2] trip Interruption[2]Emergency MedicalBaggage Loss, Damage & DelayFlight & TRAVEL AccidentRental Vehicle DamageFamily Coverage[3]Cancel for Any Reason [6]Vacation VoucherDeductible Savings Options*Medical Questionnaire Required?All-InclusiveNo LimitCovered Amount SelectedUnlimited$5,000,000 Loss, Damage Up to $1,500 / Delay up to $500$100,000 - Flight $50,000 - TravelAll-Inclusive 3 x the older parent s rateIncluded$750 NONONon-Medical InclusiveNo LimitCovered Amount SelectedUnlimited Loss, Damage Up to $1,500 / Delay up to $500$100,000 - Flight $50,000 - TravelNon-Medical Inclusive 3 x the older parent s rateIncluded$750 NONOTrip cancellation & InterruptionNo LimitCovered Amount Selected$800, $1,500 or Unlimited trip cancellation & Interruption Included NONOE mergency MedicalNo Limit $5,000,000 Emergency Medical 2 x the older parent s rate YESYes - Age 60 & olderCanada Medical[4]No Limit $5,000,000 Canada Medical[4]

3 2 x the older parent s rate NOYes - Age 60 & olderCanada All-Inclusive[4]No LimitCovered Amount SelectedUnlimited$5,000,000 Loss, Damage Up to $1,500 / Delay up to $500$100,000 - Flight $50,000 - TravelCanada All-Inclusive[4] 3 x the older parent s rateIncluded$750 NONOA nnual Emergency Medical[5]No Limit $5,000,000 Annual Emergency Medical[5] 2 x the older parent s rate YESYES - Age 60 & olderAnnual All-Inclusive[5]Under 85 Covered Amount Selected per trip $1,500 or $2,500 $10,000 per yearUnlimited$5,000,000 Loss, Damage Up to $1,500 / Delay up to $500$100,000 - Flight $50,000 - TravelAnnual All-Inclusive[5] Included$750 NOYES - Age 60 & olderAir Fare CancellationNo LimitCovered Amount SelectedUnlimited Air Fare cancellation NONOV isitors - $25,000, $50,000, $100,000 Under 86 Up to benefit amount ($75 deductible) Visitors - $25,000, $50,000, $100,000 2 x the older parent s rate NONOV isitors - $150,000 Under 70 Up to benefit amount ($75 deductible)

4 Visitors - $150,000 2 x the older parent s rate NONOY outh All-InclusiveUnder 30 Covered Amount SelectedUnlimited$1,000,000 Loss, Damage Up to $500 / Delay up to $100$25,000 - Flight $10,000 - TravelYouth All-Inclusive NONOY outh Emergency MedicalUnder 30 $1,000,000 Youth Emergency Medical NONOB aggage and Personal Effects - $1,000, $1,500, $2,000No Limit Loss, Damage - Up to selected covered amount / Delay up to $500 Baggage and Personal Effects - $1,000, $1,500, $2,000 NONOR ental Vehicle DamageNo Limit Rental Vehicle Damage$60,000 NONOCHILDREN UNDER 2 YEARS OLD AT NO EXTRA CHARGE: Available for All-Inclusive and Canada All-Inclusive and Non-Medical Inclusive Plans. With the purchase of this insurance , coverage for children (or a child) older than 30 days old and under 2 years old for the entire duration of the trip is provided at no extra charge.

5 [4] All TRAVEL must be within Canada.[5] Top-ups are available.[6] Applies if your client purchased insurance within 72 hours of booking their trip .[1] If you purchase any plan that includes Emergency Medical insurance , your child must be at least 31 days old to be insured. [2] Default coverage is provided in any plan that includes trip cancellation & Interruption insurance . [3] Available for family members under age Premium Calculation All-Inclusive Plan, Canada All-Inclusive Plan, Non-Medical Inclusive Plan 3 times the older (or only) parent s or grandparent s rateEmergency Medical Plan (under age 60), Canada Medical Plan, Annual Emergency Medical Plan, Visitors Plan 2 times the older (or only) parent s or grandparent s rateTrip cancellation & Interruption, Air Fare cancellation , Emergency Medical Plan (age 60 or over), Annual All-Inclusive, Baggage and Personal Effects, Rental Vehicle Damage, Youth Emergency Medical, Youth All-Inclusive Plans Family coverage not availableFAMILY COVERAGE.

6 BCredit Card Authorizations are required when the premium is $ or more if you are not using our web use our merchant numbers and call: Phone Numbers Merchant Numbers Visa 1 800 268-8281 222652531 MasterCard 1 800 663-7400 222652531 American Express 1 800 268-9855 9306694705 CONTACT US:Call: 1 866 298-2722 Email: (per claim)Deductible amounts ($ CDN)10%$50015%$1,00030%$5,00035%$10,000* Deductible Savings Options: Deductibles are offered to reduce the premium on the Emergency Medical Plan and the Annual Emergency Medical insurance PLANS AT-A-GLANCEPLANSINSURANCE MAXIMUM BENEFITS & FEATURESPLANSINSURANCE MAXIMUM BENEFITS & FEATURESE ligible Age[1] trip cancellation [2] trip Interruption[2]Emergency MedicalBaggage Loss, Damage & DelayFlight & TRAVEL AccidentRental Vehicle DamageFamily Coverage[3]Cancel for Any Reason [6]Vacation VoucherDeductible Savings Options*Medical Questionnaire Required?

7 All-InclusiveNo LimitCovered Amount SelectedUnlimited$5,000,000 Loss, Damage Up to $1,500 / Delay up to $500$100,000 - Flight $50,000 - TravelAll-Inclusive 3 x the older parent s rateIncluded$750 NONONon-Medical InclusiveNo LimitCovered Amount SelectedUnlimited Loss, Damage Up to $1,500 / Delay up to $500$100,000 - Flight $50,000 - TravelNon-Medical Inclusive 3 x the older parent s rateIncluded$750 NONOTrip cancellation & InterruptionNo LimitCovered Amount Selected$800, $1,500 or Unlimited trip cancellation & Interruption Included NONOE mergency MedicalNo Limit $5,000,000 Emergency Medical 2 x the older parent s rate YESYes - Age 60 & olderCanada Medical[4]No Limit $5,000,000 Canada Medical[4] 2 x the older parent s rate NOYes - Age 60 & olderCanada All-Inclusive[4]No LimitCovered Amount SelectedUnlimited$5,000,000 Loss, Damage Up to $1,500 / Delay up to $500$100,000 - Flight $50,000 - TravelCanada All-Inclusive[4] 3 x the older parent s rateIncluded$750 NONOA nnual Emergency Medical[5]No Limit $5,000,000 Annual Emergency Medical[5] 2 x the older parent s rate YESYES - Age 60 & olderAnnual All-Inclusive[5]Under 85 Covered Amount Selected per trip $1,500 or $2,500 $10,000 per yearUnlimited$5,000,000 Loss, Damage Up to $1,500 / Delay up to $500$100,000 - Flight $50,000 - TravelAnnual All-Inclusive[5]

8 Included$750 NOYES - Age 60 & olderAir Fare CancellationNo LimitCovered Amount SelectedUnlimited Air Fare cancellation NONOV isitors - $25,000, $50,000, $100,000 Under 86 Up to benefit amount ($75 deductible) Visitors - $25,000, $50,000, $100,000 2 x the older parent s rate NONOV isitors - $150,000 Under 70 Up to benefit amount ($75 deductible) Visitors - $150,000 2 x the older parent s rate NONOY outh All-InclusiveUnder 30 Covered Amount SelectedUnlimited$1,000,000 Loss, Damage Up to $500 / Delay up to $100$25,000 - Flight $10,000 - TravelYouth All-Inclusive NONOY outh Emergency MedicalUnder 30 $1,000,000 Youth Emergency Medical NONOB aggage and Personal Effects - $1,000, $1,500, $2,000No Limit Loss, Damage - Up to selected covered amount / Delay up to $500 Baggage and Personal Effects - $1,000, $1,500, $2,000 NONOR ental Vehicle DamageNo Limit Rental Vehicle Damage$60,000 NONO[3] Available for family members under age 60.

9 [4] All TRAVEL must be within Canada.[5] Top-ups are available.[6] Applies if your client purchased insurance within 72 hours of booking their PACKAGE PLANAge 0-59 Age 60-64 COVERED AMOUNT FOR TRIPDaysDays1-45-910-1617-2324-3031-1831 -45-910-1617-2324-3031-60*$0$78$108$130$ 166$234 Add $ per day to the 30 day premium$84$114$166$241$365 Add $ per day to the 30 day premium$1 - $500$99$114$143$178$248$103$128$178$254$ 374$501 - $1,000$115$136$170$211$263$135$166$214$2 91$431$1,001 - $1,500$150$173$213$246$320$179$211$255$3 20$491$1,501 - $2,000$200$231$261$310$366$205$263$313$3 78$556$2,001 - $2,500$248$270$314$353$425$269$310$388$4 29$631 Please add this premium per $100 over $2,500$ $ $ $ $ $ $ $ $ $ 65-69 Age 70-74 COVERED AMOUNT FOR TRIPDaysDays1-45-910-1617-2324-3031-60*1 -45-910-1617-2324-3031-60*$0$105$155$230 $288$449 Add $ per day to the 30 day premium$131$201$305$489$681 Add $ per day to the 30 day premium $1 - $500$125$168$235$304$458$154$219$315$505 $699$501 - $1,000$153$211$275$343$491$188$281$375$5 73$758$1,001 - $1,500$188$253$314$385$540$238$394$491$6 61$798$1,501 - $2,000$225$313$375$440$600$275$415$550$7 48$869$2,001 - $2,500$263$375$444$514$696$350$500$613$8 43$906 Please add this premium per $100 over $2.

10 500$ $ $ $ $ $ $ $ $ $ 75-79 Age 80+COVERED AMOUNT FOR TRIPDaysDays1-45-910-1617-2324-3031-45** 1-45-910-1617-2324-3031-45**$0$200$351$5 24$743$958 Add $ per day to the 30 day premium $291$538$813$1,125$1,750 Add $ per day to the 30 day premium $1 - $500$205$356$526$748$961$300$550$834$1,1 39$1,788$501 - $1,000$226$364$548$769$981$315$575$850$1 ,158$1,825$1,001 - $1,500$250$413$575$801$1,013$354$600$900 $1,188$1,863$1,501 - $2,000$300$463$625$858$1,075$400$675$950 $1,250$1,888$2,001 - $2,500$363$525$700$938$1,145$488$750$1,0 13$1,300$2,000 Please add this premium per $100 over $2,500$ $ $ $ $ $ $ $ $ $ Sales Tax may be applicable. *Age 60-74, maximum number of trip days 60 daysFor trip costs from $12,000 up to $30,000, obtain a quote through your booking system.