Super Visa QuoteManulife Super Visa Insurance and Pre-Existing Conditions
How Manulife Super Visa insurance handles pre-existing medical conditions for parents and grandparents — the stability rules, what to confirm, and how it compares.
- Manulife's specific pre-existing rule, explained
- What counts as a "stable" condition
- What to confirm before you buy
- Compare with other providers
Manulife Pre-Existing Conditions at a Glance
- Underwriter: The Manufacturers Life Insurance Company
- Plans: Basic · Standard · Enhanced
- Standard pre-existing: Flat 180-day exclusion (no stability test)
- Absolute carve-outs: Heart (nitroglycerine), lung (home oxygen/prednisone)
- Enhanced: May offer stable pre-existing coverage — confirm
- Coverage up to: $200,000
How Manulife Handles Pre-Existing Conditions
Manulife's Visitors to Canada plans come in three tiers — Basic, Standard, and Enhanced. The Basic tier does not cover pre-existing conditions. On the Standard Plan, pre-existing conditions are handled by a flat 180-day exclusion: any condition that existed, showed symptoms, or required treatment or medication in the 180 days before the effective date is excluded. There is no stability test and no reduced-window option on Standard.
Two absolute carve-outs apply on top of the 180-day rule: heart conditions are not covered if nitroglycerine was required in the 180 days before the effective date, and lung conditions are not covered if home oxygen or prednisone was required in that window. Manulife's Enhanced plan may take a different approach to stable pre-existing conditions — confirm what is available for your parent's situation with our advisor.
What "Stable" Means
Most pre-existing coverage depends on a condition being "stable" for a set window before the trip — generally no new diagnosis, no medication or dosage change, no new or worsening symptoms, no pending tests, and no hospitalization. Our Pre-Existing Conditions Guide explains the full stability test; this page covers how Manulife specifically applies it.
What to Confirm With Manulife
- Which tier is being quoted — Standard (flat 180-day exclusion) or Enhanced (possible stable-condition coverage).
- Whether your parent's condition, symptoms, treatment, or medication fall within the 180 days before the effective date.
- Whether either absolute carve-out applies (nitroglycerine for a heart condition; home oxygen or prednisone for a lung condition).
- Whether the selected coverage amount and term meet the current Super Visa requirement.
Review a Manulife medical-history quote
Share the parent or grandparent's age, conditions, medication stability, and travel dates. We can confirm how this provider treats the condition and compare it with others.
FAQs
Does Manulife cover pre-existing conditions?
On Manulife's Standard Plan, pre-existing conditions are excluded under a flat 180-day rule with no stability test. The Enhanced plan may offer a different approach to stable conditions — confirm with our advisor for your parent's situation.
Does Manulife have a Basic plan?
Yes. Manulife's Visitors to Canada line includes a Basic tier alongside Standard and Enhanced. The Basic tier does not cover pre-existing conditions. Confirm the exact tier and its pre-existing terms on the current quote with our advisor.
What are the heart and lung carve-outs?
On the Standard Plan, a heart condition is not covered if nitroglycerine was required in the 180 days before the effective date, and a lung condition is not covered if home oxygen or prednisone was required in that window — regardless of overall stability.
Is Manulife good for a parent with diabetes or blood pressure?
It depends on whether the condition falls in the 180-day window and which tier is chosen. Do not assume coverage — review the medical history against the policy wording with our advisor.
Information accurate as of October 2023
This page reflects the Manulife policy wording available to us as of October 2023 and is provided for general guidance only. Pre-existing condition rules, stability windows, eligibility, and plan wording can change. Confirm current terms with our advisor and review the policy wording before you buy.
Continue Comparing Medical-History Coverage
Related Insights and Guides
Review a Manulife medical-history quote
Share the parent or grandparent's age, conditions, medication stability, and travel dates. We can confirm how this provider treats the condition and compare it with others.