The Accident Insurance Plan provides 24-hour coverage, anywhere in the world, for accidents causing loss, injury and/or death, depending on the plan selected. Payment is a cash benefit.
The Basic Plan is available on a premium-free offer and provides $2,000 of accidental death for the primary applicant only. This plan does not come automatically with your Walmart Mastercard®, you must apply. To enroll, you may either complete the online application or call a licenced advisor 1-866-693-7081.
In addition, an Enhanced Plan can be selected to provide additional accidental insurance coverage and benefits and can be selected as either a Single Plan or Family Plan (includes spouse and eligible dependent children).
The Enhanced Accident Insurance Plan is available to applicants who are:
- a Walmart credit cardholder,
- under the age of 71, and
- a Canadian resident
Eligible Family Members include spouses under age 71, and dependent children 23 and under (or dependent children 25 and under if they are full-time students).
For the Enhanced Plan options (Single or Family), coverage is available in the amounts from $50,000 to $1,000,000 in increments of $25,000.
- If the primary applicant selects Family Plan coverage, the plan will provide his or her spouse and children with a percentage of the coverage selected:
- Spouse: 100% of the primary applicant’s benefit
- Dependent Children: 100% of the primary applicant’s benefit, except for accidental death and dismemberment benefit, which is 25% of the insured person’s benefit.
Starting at age 70, all benefits are reduced by 50% of the original amount of insurance. At age 75, benefits are further reduced by 25% of the original amount of insurance.
The Basic Plan provides $2000 of complimentary accidental death coverage only. This offer is only available to you (the primary applicant). It does not apply to your spouse or any dependents. The $2000 of complimentary accidental death coverage will continue for five years from the Effective Date of Coverage as long as you continue to reside in Canada, and the Group Policy does not terminate. The certificate will provide details of the insurance selected by you. Complete details of coverage, including any limitations or exclusions that may apply, are set out in the Certificate of Insurance provided on enrollment. If you wish to enroll for this coverage, you may either complete the online application or call a licenced advisor 1-866-693-7081.
The primary applicant’s coverage will terminate on the earliest of the following dates:
- the date on which the Group Policy terminates;
- the date on which the primary applicant fails to pay premium as required, subject to the grace period;
- the date of death of the primary applicant;
- the date on which the primary applicant’s written request to terminate such insurance is received by the company; or
- the date the primary applicant ceases to reside in Canada.
Insurance on the spouse or a dependent child will terminate on the earliest of:
- the date the insurance terminates on the primary applicant (as noted above);
- the date of death of the spouse or dependent child; or
- the date the spouse or dependent child cease to qualify as a souse or dependent child under the definition of Eligible Family Member.
Enrollment in the Accident Insurance Plan is guaranteed, and no Medical Questionnaire is required.
- Accidental Death and Dismemberment Benefit
- Fracture Benefit
- Home Alteration and Vehicle Modification Benefit
- Repatriation Benefit
- Family Transportation Benefit
- Common Disaster Benefit
- In-Hospital and Home Recovery Indemnity Benefit
- Job Loss Waiver of Premium Benefit
If, as a result of injury, the primary applicant (or an eligible family member under the Family Plan option), is confined to a hospital located 200km or more from home, within 365 days of the date of the Accident, and the attending physician recommends the personal attendance of a member of the immediate family of the primary applicant or family member, Manulife will pay the actual expenses, to a maximum of $10,000, incurred by such immediate family member for transportation.
If an Accident results in permanent and total loss of use of any of the following within 365 days of the accident causing such injury, Manulife will pay the percentage of the amount of insurance to the primary applicant as follows:
| Accidental loss | % of Amount of insurance |
|---|---|
| Quadriplegia | 200% |
| Paraplegia | 200% |
| Hemiplegia | 200% |
| Life | 100% |
| One or both hands or arms | 100% |
| Entire sight of one or both eyes | 100% |
| One hand or one foot and sight of one eye | 100% |
| Thumb and index finger of one hand | 100% |
| Speech | 100% |
| Hearing in one or both ears | 100% |
| One or both feet or legs | 100% |
| Loss of use of one hand or one foot | 100% |
| Loss of use of one arm or one leg | 100% |
| All toes of one foot | 25% |
Indemnity provided under the Accidental Death and Dismemberment Benefits will not be paid for more than one of the losses, the greatest, which is sustained by any Insured Person as the result of one accident.
For complete definitions of the above accidental loss, refer to the certificate. For further details of exclusions and limitations, please see certificate.
Manulife will pay 100% of the benefit amount shown in the table below if the primary applicant or eligible family member (or an eligible family member under the Family Plan option), suffers a fracture as a direct result of an Accident and from no other cause.
| Loss | Benefit Amount |
|---|---|
| Spine (two or more vertebrae) | $5,000 |
| Spine (one vertebrae) | $2,000 |
| Spine (compression fracture) | $1,000 |
| Cranium (depressed fracture) | $5,000 |
| Cranium (other) | $2,000 |
| Pelvis | $3,000 |
| Femur | $1,500 |
| Lower leg | $1,000 |
| Knee cap | $1,000 |
| Forearm (compound or comminuted) | $750 |
| Forearm (not compound) | $350 |
| Upper Jaw | $750 |
| Lower Jaw | $200 |
| Arm between Should and Elbow | $400 |
| Shoulder Blade | $500 |
| Ankle (Pott’s Fracture) | $500 |
| Wrist (Colles Fracture) | $500 |
| Two or more ribs | $250 |
| One rib | $100 |
| Facial bones | $200 |
| Sacrum or Coccyx | $250 |
| Sternum | $250 |
| Collar Bone | $250 |
| Heel Bone | $125 |
| Hand (one or more metacarpals) | $100 |
| Foot (calcaneum and/or metatarsal(s)) | $100 |
| Nose | $50 |
| Chip or Hairline Fracture | $25 |
| Any bone not specified | $25 |
Limitation: If the primary applicant or eligible family member suffers more than one fracture in an Accident, the amount paid will be for the larger benefit only. Refer to the certificate for exclusions and limitations.
If the primary applicant (or an eligible family member under the Family Plan option) suffers an accidental injury which results in:
- the loss of use of two limbs; or
- hemiplegia, paraplegia, or quadriplegia,
and as a result, requires the use of a wheelchair to be ambulatory, Manulife will pay up to 10% of the original amount of insurance, to a maximum of $10,000 for expenses incurred for:
- alteration to the primary applicant’s (or eligible family member, if applicable) principal residence for the purpose of making it wheelchair accessible; and
- modification to one motor vehicle that the primary applicant (or eligible family member, if applicable) uses for the purpose of making it wheelchair accessible (subject to approval by vehicle licensing authorities, where necessary).
The expenses must be reasonable and necessary, as determined by Manulife, and incurred within three years after the date of the accidental injury. Manulife must receive receipts for the expenses, at our office, within 6 months of the date they are incurred.
When a covered loss of life occurs 50 km or more from the deceased’s residence and within 365 days of the date of the accident, up to an additional $10,000 is payable for the actual expenses incurred for the preparation and shipment of the deceased to his/her city of residence.
This benefit is only applicable to Primary Applicants with Family Coverage.
If the primary applicant is insured with family coverage covering his or her spouse and both die as a result of injuries sustained in the same accident and within 90 days of such accident, the Amount of insurance payable for the death of the primary applicant and spouse will be doubled (subject to the overall plan maximum).
If an accident covered under this insurance requires that the primary applicant (or eligible family member under the Family Plan option) be confined to hospital for more than five consecutive days, Manulife will pay $100 per day to the primary applicant, retroactive to the third (3) day of hospital confinement. This benefit is limited to a total of 180 days to a maximum of $18,000 for any accident covered under this insurance. Successive periods of hospital confinement for loss from the same accident separated by a period of less than one month will be considered as one period of hospital confinement.
Manulife will pay 2 days of Home Recovery benefits for each date of hospital confinement for loss from the same injury. The Home Recovery benefit is $100 per day. This benefit is limited to a total of 360 days for any injury covered under this insurance to a maximum of $36,000.
If the primary applicant or insured spouse involuntarily loses their job while covered under this insurance, before the age of 66, Manulife will waive the monthly premium for this insurance for up to 9 months or until the primary applicant or spouse becomes employed, whichever occurs first. Proof must be provided that the loss of employment was involuntary, and that the primary applicant or spouse has been unemployed for 30 consecutive days, and the primary applicant or spouse provides satisfactory evidence of continuing unemployment to a maximum of 9 months.
Please refer to the Certificate for details on limitations on this job loss benefit.
In the event of accidental death of the primary applicant, the beneficiary is the person designated by the primary applicant whose name has been filed with Manulife. If the primary applicant has not filed any such designation, the beneficiary will be the estate of the primary applicant. In the event of accidental death of an eligible family member, we pay any approved death claim to the primary applicant. All indemnities payable with respect to an insured spouse or dependent child are payable to the primary applicant.
Payment options are as follows:
- Monthly or Annual by Credit Card: Walmart RewardsTM Mastercard®, Visa, Mastercard or Amex
- Monthly: Pre-Authorized Debit
If the primary applicant is not completely satisfied with his/her coverage, he/she can return the certificate to Manulife within 30 days of receiving it and the entire premium will be promptly refunded (less any claims paid).
Means an unintentional, sudden, fortuitous, and unforeseeable event due exclusively to an external violent cause inflicting, directly and independently of other causes, death or Injury as shown in the Accident Benefit Schedule or Fracture Benefit Schedule.
Means bodily injury caused by an Accident occurring while coverage is in force to the Insured Person or Eligible Family Member, as applicable sustaining the injury and resulting in loss as shown in the Accident Benefit Schedule and Fracture Benefit Schedule.
Means loss of employment due to involuntary layoff or dismissal without cause or loss of self-employment. The date of Job-Loss is the last day paid as indicated in the record of employment issued by the Insured Person’s or Insured Spouse’s employer.
All Accident Insurance benefits are subject to the Certificate of Insurance. For further details, including exclusions and limitations, please see the Sample Certificate of our Basic Accident Insurance plan (PDF) and the Sample Certificate of our Enhanced Accident Insurance plan (PDF).