IN THE EVENT OF AN EMERGENCY, Manulife Global Don’t …

1 Don t forget yourWallet Card!IN EVENT OF AN EMERGENCY, CALL:1 800 211-9093toll-free from the USA and Canada+1 (519) 251-7821collect where availableNAMEPOLICY #IN EVENT OF AN EMERGENCY, CALL:1 800 211-9093toll-free from the USA and Canada+1 (519) 251-7821collect where availableNAMEPOLICY #IN THE EVENT OF AN EMERGENCY, CALL THE assistance CENTRE IMMEDIATELY1 800 211-9093toll-free from the USA and Canada+1 (519) 251-7821collect where availableOurAssistance Centre is there to help you24 hours a day, each day of the yearThis policy is underwritten by The ManufacturersLife Insurance Company and First North AmericanInsurance Company, a wholly owned subsidiary of GlobalTravel Insurance PolicyManulife and the Block Design are trademarks of The Manufacturers LifeInsurance Company and are used by it, and by its affiliates under NOVEMBER 2015 MGPOL1115 EIf youneed medical attentionor must make any other type of claim during your trip,call us for assistance first.

2 TheAssistance Centre is open 24 hours a day, each day of the note that if youdo not call the assistance Centre in anemergency,or prior to any treatment, youwill have to pay25% of the eligible medical expenses wewould normally payunder this policy. If it is medically impossible for youto call,please have someone call on IS JUST A PHONE CALL assistance Centre is there to help andsupport you24 hours a day, each day of the year, with:Pre-TripInformation Passport and Visa information Health hazards advisory Weather information Currency exchange information Consulate and Embassy locationsDuring A medical emergency Verifying and explaining coverage Referral to a doctor, hospital, or other health careproviders Monitoring yourmedical emergencyand keeping yourfamily informed Arranging for return transportation homewhen medicallynecessary Arranging direct billing of covered expenses(where possible)

3 Other Services assistance with lost, stolen or delayed baggage assistance in obtaining emergency cash Translation and interpreter services in a medicalemergency emergency message services Help to replace lost or stolen airline tickets assistance in obtaining prescription drugs assistance in obtaining legal help or bail bondIN THE EVENT OF AN emergency , CALL THE assistance CENTRE IMMEDIATELY1 800 211-9093 toll-free from the USA and Canada+1 (519) 251-7821 collect where NOTICE PLEASE READ CAREFULLY Travel insurance is designed to cover losses arisingfrom sudden and unforeseeable circumstances. Itis important that you read and understand yourpolicy before you travel as your coverage may besubject to certain limitations or exclusions. Your policy may not provide coverage for medicalconditions and/or symptoms that existed beforeyour trip. Check to see how this applies in yourpolicy and how it relates to your departure date,date of purchase or effective date.

4 In the EVENT of an accident, injury or sickness, yourprior medical history may be reviewed when aclaim is made. If your policy provides travel assistance , you maybe required to notify the designated assistancecompany prior to treatment. Your policy may limitbenefits should you not contact the assistancecompany within a specified time READ YOUR POLICY CAREFULLY BEFOREYOU TRAVELNOTICE REQUIRED BY THE ALBERTAINSURANCE ACTThis policy contains a provision removing orrestricting the right of the insured to designatepersons to whom or for whose benefitinsurance money is to be MANULIFEW hether you re travelling outside your province or outof the country for a few days or for a few months, Manulife offers the personalized coverage you need tobe financially protected against the cost of unexpectedemergencies that may happen prior to or during yourtrip. No one expects to have a medical emergency awayfrom home, or to have to cancel a trip due to anunforeseen emergency .

5 But these events happen andthey can be disruptive and expensive. Since the very beginning, when Sir John A. Macdonald,Canada s first Prime Minister, became President of thecompany in 1887, Manulife has been helping people feelfinancially youneed medical attentionor must make any other type of claim during your trip,call us for assistance first. TheAssistance Centre is open 24 hours a day, each day of the note that if youdo not call the assistance Centre in anemergency,or prior to any treatment, youwill have to pay25% of the eligible medical expenses wewould normally payunder this policy. If it is medically impossible for youto call,please have someone call on INFORMATION ABOUTYOURTRAVEL INSURANCEIt is important youread and understand yourpolicy beforeyoutravel. It is yourresponsibilityto review the terms,conditions and limitations outlined in this be eligible for insurance under this policy, youmust meet all the Eligibility Requirements outlinedon Page 8 of this policy booklet.

6 A pre-existing conditionexclusion appliesto yourcoverage. It is yourresponsibilityto review andunderstand the pre-existing conditionexclusion thatapplies to you: TripCancellation and TripInterruption Insurance:please review the pre-existing conditionexclusionslisted on Pages 23 to 24 of this policy booklet. EmergencyMedical Insurance: please review thepre-existing conditionexclusions listed on Pages 30 to 33 of this policy WORDS have a specific meaning. Please referto the Definitions section of this policy to find themeaning of each italicized THE EVENT OF AN emergency , YOUMUST CALL THE assistance CENTRE IMMEDIATELY1 800 211-9093toll-free from the USA and Canada, +1 (519) 251-7821collect where Centre is there to help you24 hours a day, each day of the note that if youdo not callthe assistance Centrein an emergency , youwill have to pay 25% of theeligible medical expenseswewould normally pay underthis policy.

7 If it is medically impossible for youto call,please have someone call on yourbehalf. 3 medical Concierge Services2 WHAT S INSIDEMEDICAL CONCIERGE SERVICES ..3 SCHEDULE OF MAXIMUM BENEFITS BY PLAN ..4 ELIGIBILITY ..8 GENERAL INFORMATION ABOUT YOURTRAVEL INSURANCE ..8 YOURCOVERAGE STARTS ..9 YOUR COVERAGE ENDS ..10 Temporary Returns ..10 Automatic Extension ..11To Stay Longer Than Planned ..11 Annual medical and Annual All-Inclusive Plans ..12 TRIPCANCELLATION & INTERRUPTION INSURANCE ..12 Benefits What does TripCancellation Insurance cover? ..13 Benefits What does Misconnection Insurance cover? ..16 Benefits What does TripInterruption Insurance cover? ..17 Benefits What does Delayed Return Insurance cover? ..20 Benefits What else does TripCancellation, TripInterruption & Delayed Return Insurance cover? ..21 Exclusions & Limitations What does TripCancellation & Interruption Insurance not cover?.

8 23 DefaultProtection Coverage ..25 emergency medical INSURANCE ..26 Benefits What does EmergencyMedical Insurance cover? ..26 What does EmergencyMedical Insurance cover? - Visitors Plans ..27 Exclusions & Limitations What does EmergencyMedical Insurance not cover? ..30 BAGGAGE LOSS, DAMAGE & DELAY INSURANCE ..34 Benefits What does Baggage Loss, Damage & Delay Insurance cover? ..34 Exclusions & Limitations What does Baggage Loss, Damage & Delay Insurance not cover? ..34 FLIGHT & TRAVEL ACCIDENT INSURANCE ..35 Benefits What does Flight & Travel Accident Insurance cover? ..35 Exclusions & Limitations What does Flight & Travel Accident Insurance not cover? ..35 RENTAL VEHICLEDAMAGE INSURANCE ..36 Benefits What does Rental VehicleDamage Insurance cover? ..36 Exclusions & Limitations What does Rental VehicleDamage Insurance not cover? ..37 TERRORISM COVERAGE ..37 WHAT ELSE DO YOUNEED TO KNOW? ..38 HOW TO MAKE A CLAIM.

9 40 DEFINITIONS ..43 NOTICE ON PRIVACY ..48 IMPORTANT INFORMATION ABOUT YOURINSURANCE:This policy is underwritten by The Manufacturers Life InsuranceCompany ( Manulife ) and First North American Insurance Company(FNA), a wholly owned subsidiary of Manulife . Manulife hasappointed Active Claims Management Inc. (operating as ActiveCare Management ) as the provider of all assistance and claimsservices under this CONCIERGE SERVICESM anulife Global Travel Insurance is pleased to provide as anadditional value-added service medical Concierge Services toyouwhen travelling to the , Mexico and the medical Concierge Services include: Physiciantelephonic consultation 24/7 by a qualifiedphysician 24/7 same-day coordination and delivery of lost/forgottenprescription maintenance medication, eye glasses orcontact lenses and medical supplies 24/7 medical referrals to medical specialists, chiropractors,dentists, walk-in clinics, urgent care centres or hospitalsforevaluation and medical treatment 24/7 access to physicianhouse call visits in select citiesin the , Mexico and the Dominican Republic Physicianco-ordination to an emergency Room Consulting physicianwill fast track youthrough theEmergency Room in select cities in the , Mexicoand the Dominican Republic Consulting physicianwill communicate with the hospitaltoensure continuity of careTo access this service simply call the assistance Centre usingthe phone numbers indicated on the wallet card.

10 medical CONCIERGE SERVICES PROVIDED BY , Waiver, and Limitation of Liability: StandbyMD is not amedical provider. medical providers that StandbyMD uses are notemployees, agents, nor in any way affiliated with StandbyMD;they simply accept medical referrals of patients from does not have any real or implied control over themedical judgment of medical providers to whom they referpatients, nor does StandbyMD have any control of their actions orinactions. When making referrals under this policy, neitherManulife, its agents nor StandbyMD assume any responsibilityfor: (a) the availability of services, (b) their quality, (c) the resultsor outcome of any Treatment or service, (d) the outcome of notobtaining any treatment or services covered under these hereby specifically waive any and all rights toproceed legally against StandbyMD or anyone related toStandbyMD* in any and all claims, demands, actions, causes ofaction, and suits of any kind, nature, or amount which relate to,or in any way directly or indirectly flowed from the medicalconcierge services that StandbyMD is offering.