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• Manulife Financial CoverMe Travel Insurance Review

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Manulife Financial CoverMe Travel Insurance Review 2024

Updated: Feb 28, 2024, 7:30am

Manulife Financial’s CoverMe Travel Insurance offers a generous $10 million in emergency medical coverage, and mature travellers will benefit from the emergency medical coverage for pre-existing conditions. But if you’re looking for high levels of trip insurance, you might want to consider other options.

• Generous emergency medical coverage
• Coverage for pre-existing conditions
• COVID-19 Pandemic Travel Plan
• Lengthy medical questionnaire
• No CFAR coverage
• Lower trip benefits than other plans

Table of Contents

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Manulife Financial Corporation is a multinational financial services company offering financial advice, insurance and wealth management services.

Headquartered in Toronto with offices in Canada, Asia and Europe, as well as in the U.S. under the name John Hancock, Manulife started selling insurance in 1887. Today the company offers a bevy of insurance products, including health, life, mortgage protection and travel insurance.

Manulife Travel Insurance is underwritten by The Manufacturers Life Insurance Company (Manulife) and First North American Insurance Company (FNAIC), a wholly-owned subsidiary of Manulife.

Here are the key types of travel insurance coverage offered in Manulife travel insurance plans:

• Emergency medical insurance: If you get ill or are injured on your trip, travel medical insurance can pay for emergency medical expenses, up to the coverage limits in your plan. These expenses can include doctor and hospital bills, medication and lab work.
• Trip cancellation insurance: If you cancel a trip for a reason listed in your travel policy, such as you or your travelling companion becoming ill, weather conditions causing a massive delay or you losing your job,   trip cancellation insurance can reimburse you for prepaid, non-refundable costs.
• Travel interruption or delay insurance: Trip interruption insurance can pay for a last-minute flight home in an emergency and money that you lose by cutting a trip short, such as non-refundable activities and hotel stays. If your flight is delayed , your insurance can cover the cost of incidentals, such as meals or accommodations, after a specified period of time, like 10 or 12 hours.
• Baggage insurance: Baggage travel insurance can compensate you up to your policy limits if your luggage is lost or stolen. It will reimburse the depreciated value of your suitcases and what you packed. If your bags are delayed, it can reimburse you for the cost of the necessities you’ll have to buy to tide you over. It also extends to your personal belongings, if lost, damaged or stolen.
• Travel accident insurance. This coverage offers compensation in the event of accidental death or catastrophic injury from an accident during your trip. Flight Accident Insurance covers injury while you’re on a commercial plane, during a connection or in an airport. Travel Accident Insurance covers death or dismemberment, including the loss of limbs or eyesight, while on your trip.

Manulife Financial Travel Insurance offers four plans:

All Inclusive: This is the most comprehensive plan offered by Manulife Financial that includes coverage for unforeseen medical emergencies, trip cancellation and interruption, travel accident, and baggage loss, damage and delay.

According to Manulife Financial, emergency medical treatment includes:

• Hospital accommodation up to a semi-private room
• Private duty nursing
• Rental or purchase of a hospital bed, wheelchair, brace, crutch or any other medical appliance
• Diagnostic tests
• Prescription drugs and medication
• Paramedical services, such as care from a chiropractor, osteopath, physiotherapist, chiropodist or podiatrist, up to $70 per visit for a maximum of $700 per covered injury
• Ambulance transportation
• Emergency dental due to a blow to the face (up to $3,000: $1,500 on your trip and $1,500 once you return home) or,
• Emergency dental due to pain, up to $300

Medical benefits also include coverage to bring someone to your bedside, expenses for meals, hotel accommodations and associated expenses if a medical delay prevents you from returning home, repatriation expenses, return of your remains if you die and a hospital allowance, for expenses such as parking and TV rental.

Manulife Insurance is secondary insurance, which means that coverage kicks in once any other benefit plan is exhausted.

Emergency Medical: If you’re only worried about medical emergencies while travelling, this plan offers all of the emergency medical coverage options of the all inclusive plan and includes hospital accommodations, physician fees, lab tests, private nurses and ambulance services.

Trip Cancellation/Interruption: If you have medical coverage elsewhere, such as a travel credit card , this will cover trip cancellation and trip interruption. It does not offer any baggage coverage or flight and travel accident coverage.

COVID-19 Pandemic Travel Plan: This plan provides emergency medical insurance for COVID-19 and related complications, as well as trip interruption insurance benefits if you need to quarantine. The maximum payable amount is $5 million for a medical emergency related COVID-19 if you are vaccinated and $1 million if you are not vaccinated. The $5 million in coverage can also be used in the event of a non-COVID related medical emergency.

Family coverage for up to four adults (parents and grandparents) and their unmarried dependent children or grandchildren may also be available for any of these plans. (If purchasing the COVID-19 Pandemic Plan, family coverage is available for up to two adults.)

In order to be eligible for coverage, the following must be true:

• All travellers are between 30 days old and 59 years old at the time of the application
• Adults are either a parent or grandparent of the dependent children or grandchildren
• Dependent children or grandchildren are unmarried and under age 21, a full-time student under age 26 or mentally or physically disabled

We’ve highlighted key benefits of Manulife CoverMe Travel Insurance for the single trip plan to help you identify which coverage is the best fit for you.

The price of a Manulife Financial CoverMe travel insurance plan depends on factors such as the cost of your trip, your age and the amount of coverage you choose.

Here are some examples of the cost for Manulife Financial CoverMe Travel Insurance single trip plans for healthy travellers based in Ontario. Each traveller is quoted individually.

With your emergency medical coverage, you can also add an optional deductible, or the amount you will pay out of pocket before your coverage kicks in, of $500, $1,000, $5,000 or $10,000.

Emergency medical: $5 million Cancel For Any Reason: Yes, 50% to 75% Baggage insurance (maximum): $1,500

Related: CAA Travel Insurance Review

TD Insurance

Emergency medical: $5 million Cancel For Any Reason: No Baggage insurance (maximum): $1,000

Related: TD Insurance Travel Insurance Review

Emergency medical: $5 million Cancel For Any Reason: No Baggage insurance (maximum): $1,500

Related: Blue Cross Travel Insurance Review

Manulife Financial does not offer any insurance riders or add-ons.

Costco Executive members can save up to 5% on most Manulife insurance plan premiums.

Yes. You can buy multi-trip annual insurance if you travel more than once a year for multiple individual trips. Manulife Financial offers medical only coverage for four, 10, 18, 30 and 60 days and all inclusive coverage for four, 10, 18 or 30 days per trip. If you stay longer than the number of days you purchased, you can purchase a top-up. It’s important to note that the Multi-Trip All Inclusive plan is only available for purchase within 60 days of departure.

Here’s how the prices between single trip and multi-trip insurance for 18 days compare:

The Manulife Assistance Centre is available 24/7 and 365 days of the year and can help you when you’re faced with an emergency. Depending on the coverage provided by your insurance policy, support includes:

• Verifying and explaining coverage
• Referral to a physician, hospital or other health care provider
• Monitoring your medical emergency and keeping your family informed
• Arranging for return transportation home when medically necessary
• Arranging direct billing of covered expenses, wherever possible
• Assistance with lost, stolen or delayed baggage
• Assistance in obtaining emergency cash
• Translations and interpreter services in a medical emergency
• Help to replace lost or stolen airline tickets
• Assistance with obtaining prescription drugs
• Assistance in obtaining legal help or bail bond

For policyholders with emergency medical coverage, Manulife Financial Travel Insurance also offers StandbyMD, a medical concierge service. StandbyMD offers the following services 24/7:

• Teleconsultations with a physician who can assess your symptoms and provide treatment options
• A network of visiting physicians in 141 countries and over 4,500 cities
• In-network clinics close to the patient
• In-network ERs close to the patient

If you (or someone calling on your behalf) do not contact the Manulife Assistance Centre before receiving medical treatment, you may be limited to reimbursement of 80% of eligible medical expenses. It’s important to remember that certain services, such as MRIs, CAT scans, ultrasounds, biopsies and cardiovascular surgeries must be approved in advance of receiving treatment.

Manulife Financial will not pay any medical expenses related to a medical condition that is not stable for a set period of time before your coverage takes effect, either three months or six months depending on the rate category you qualify for when purchasing your policy based on your health status.

A medical condition is considered stable when all of the following are true:

• There has been no new treatment prescribed or recommended or change in existing treatment, including a stoppage in treatment.
• There has not been any change in medication, or any recommendation or starting of a new prescription drug.
• The medical condition has not become worse.
• There has not been any new, more frequent or more severe symptoms.
• There has been no hospitalization or referral to a specialist.
• There have not been any tests, investigation or treatment recommended but not yet complete, nor any outstanding test results.
• There is no planned or pending treatment.

In addition, Manulife will not cover any heart condition for which you’ve had to take nitroglycerin for angina pain in the three or six months before your effective date (the date your coverage starts), or any lung condition that required treatment with oxygen in the three or six months before your effective date.

However, Manulife Financial offers TravelEase insurance coverage for fully disclosed pre-existing medical conditions with up to $5 million in emergency benefits. Travellers interested in this coverage can call Manulife Financial for a quote.

There are a number of scenarios not covered by travel insurance and it’s critical to know what not to do before you make a claim only to be told you’re on the hook for all associated costs. The following are some of the most common issues not covered by travel insurance:

• A claim against an unstable pre-existing medical condition
• Self-inflicted injuries, unless medical evidence shows the injuries are related to a mental health illness
• Any claim resulting from a criminal offence or illegal act
• Any medical condition resulting from you not following prescribed treatment
• Any medical condition due to use or withdrawal from alcohol, drugs or other intoxicants, before or during your trip
• Routine pre-natal or post-natal care, or your pregnancy, delivery or complications of either nine weeks before or after your expected due date
• A child born on the trip
• Any non-emergency, experimental or elective treatment, such as cosmetic surgery, chronic care or rehabilitation
• A travel visa not issued in time due to a late application
• Failure of any travel agency, agent or broker
• Any loss suffered during an “Avoid all travel” or “Avoid all non-essential travel” advisories
• Any medical condition for which it was reasonable to believe you’d require treatment for during your trip or would produce symptoms before your trip
• Any act of terrorism or war

To be eligible for emergency medical insurance coverage, the following must apply:

• You are a resident of Canada and are covered under a government health insurance plan
• You are at least 30 days old
• You have not been advised by a physician not to travel
• You have not been diagnosed with a terminal illness or metastatic cancer
• You do not require kidney dialysis
• You have not been prescribed or used home oxygen in the last 12 months
• You have never had a bone marrow, stem cell or organ transplant, except for corneal transplant

There are additional eligibility criteria for travellers aged 60 and older based on their answers to a health questionnaire.

You can file a claim online 24/7 by visiting the Manulife online claims portal where you can start a new claim, submit your required documentation and follow the progress of your claim.

If you are making an emergency medical claim, documentation may include:

• Original itemized receipts for all bills and invoices
• Proof of payment by you and any other benefit plan (as Manulife is a secondary plan, meaning it pays out the balance not covered by any other insurance coverage)
• Medical records, including complete diagnosis by the attending physician or the hospital verifying that the treatment was medically necessary
• Proof of the accident if you are submitting a claim for emergency dental
• Proof of travel, including departure date and return date
• Your historical medical records, if required
• Police reports

For a trip cancellation and trip interruption claim, you may be asked to provide:

• A medical certificate stating why travel was not possible
• A police (or other responsible authority) report documenting the reason for the delay if your claim is due to a missed connection
• Original receipts for any travel accommodations made in advance and/or receipts for extra hotels, meals, telephone and taxi expenses

If you are making a baggage loss, damage and delay insurance claim, you will need to provide:

• Copies of reports from the authorities (police, hotel manager, tour operator, etc.) as proof of loss, damage or delay
• Proof that you owned the items and receipts for their replacement

To make submitting a claim easier, Manulife Financial also offers a TravelAid mobile app that gives policyholders immediate digital access to the Assistance Centre.

You must report a claim within 30 days of the occurrence, and you must submit proof of your claim within 90 days that a claim occurred or a service was provided. Money will be paid out within 60 days after all required documentation has been received and the claim is approved.

Manulife Financial CoverMe Travel Insurance FAQs

Does manulife financial pay for medical costs upfront.

According to the company, its Assistance Centre has existing relationships with medical providers in many vacation destinations to ensure emergency situations are handled “as smoothly as possible.” There is the caveat that some medical providers will require a deposit or assurance that they will be paid. However, the insurer adds that, “once the Assistance Centre is contacted and actively managing the case, the providers will directly bill Manulife and, in almost all cases, you will not see a bill.” Should you have to pay direct, Manulife will reimburse expenses once the claim documentation has been received and verified.

However, if you pay out of pocket for medical expenses without prior approval by Manulife’s Assistance Centre, eligible expenses will be reimbursed to you based on “reasonable and customary charges,” which may be less than what you paid.

Does Manulife Financial cover COVID-19?

Yes. If you have been fully vaccinated against COVID-19 at least 14 days before the start of your trip and your policy includes emergency medical benefits, Manulife will provide coverage for any unforeseen medical emergency related to COVID-19. If you’re required to quarantine, your emergency medical coverage will reimburse you for extra expense for meals, accommodation, telephone calls and taxi fares and/or the expense to bring you home. For policyholders with Trip Cancellation and Trip Interruption, COVID-19 is considered a “known event” and therefore will not be covered except for as part of one of the three scenarios below:

1) You become ill with COVID-19 and you’re unable to travel 2) You test positive for COVID-19 within 72 hours before you leave home 3) You lose your job as a result of the pandemic

Does Manulife Financial offer coverage extensions?

Yes. Your coverage is automatically extended for 72 hours starting on the final day of your trip due to a transportation delay. If you or your travelling companion are hospitalized, your coverage is extended for the period of hospitalization (to a maximum of 365 days), plus up to five days after discharge. If you or your travelling companion is unfit to travel due to a medical emergency that does not require hospitalization, your coverage is automatically extended for up to five days.

You can also request an extension if you want to stay longer on your trip, provided you apply before the expiry date of your policy and you haven’t made any claims or you’re not currently seeking treatment.

Does Manulife Financial require a medical questionnaire?

Yes. Travellers age 60 and over must complete a comprehensive medical questionnaire that asks questions about your eligibility for insurance. For example, if in the last 12 months you’ve had a new heart condition or an existing heart condition that required a change in medication or hospitalization, or if in the last four months you’ve been prescribed or taken six or more prescription medications (with some exclusions), you are not eligible for insurance. You may, however, be eligible for the TraveEase plan for pre-existing conditions. Additional questions are used to assign you to a certain rate category, which affects your premiums as well as your stability period. For example, if in the last five years you’ve been diagnosed with or treated for diabetes, a stroke or a lung condition, you’ll be assigned rate category C. Meanwhile, if in the last two years, you’ve been diagnosed with or treated for chronic bowel disease or kidney disorders, or been to the ER more than twice in six months, you’ll be assigned rate category B.

Also, if it’s discovered that you did not answer the questions truthfully or there are any errors in your claim, this may void your plan and/or your claim may be denied.

Does Manulife Financial have any age restrictions?

Yes. Travellers must be at least 30 days old. There is no maximum age limit, though family coverage is only available up to age 59.

When does my coverage with Manulife Financial begin?

If you purchase cancellation coverage, it begins the day you buy your policy and ends the day when you make a claim or leave on your trip. Your interruption coverage, if purchased, begins when you leave home. Your delay coverage begins once an insured risk prevents you from returning home as scheduled.

Can I get a refund with Manulife Financial?

You can cancel an emergency medical plan, both single trip and multi-trip, before the effective date of coverage. Refunds and cancellations are not available for any all inclusive plan.

Does Manulife Financial offer a free look period?

Yes. Manulife Financial offers a 10-day “Free Look” period where you can review and cancel your policy within 10 days of purchase if you have not already left for your trip and there is no claim in progress.

Fiona Campbell is a Staff Writer for Forbes Advisor Canada. She started her career on Bay Street, but followed her love for research, writing and a good story into journalism. She is the former editor of Bankrate Canada, and has over 20 years of experience writing for various publications, including the Globe and Mail, Financial Post Business, Advisor’s Edge, Mydoh.ca and more.

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• Single Trips
• Multi Trips
• Visitors to Canada

Single-trip Plans

• Up to $1 million CAD to cover emergencies related to COVID-19 (up to $5 million CAD if received full course of immunization for COVID-19)
• Up to $5 million CAD to cover emergency medical costs unrelated to COVID-19
• Trip Interruption coverage in the event of quarantine and COVID-19

Emergency medical benefits*

Health services.

• Hospital and physician services
• Paramedical services
• Emergency dental treatment
• Hospital allowance

Transportation

• Emergency medical return home
• Visit to bedside if travelling alone
• Return home of children in care of insured, travel companion, pet, vehicle
• Return of excess baggage

Additional protection

• Extra meal, hotel, childcare and phone call costs
• Expenses related to death
• Terrorism coverage*

Note: You are eligible for $5 Million CAD coverage if you have received the full course of immunization for Coronavirus (COVID-19) that is authorized by Health Canada. It must be taken according to manufacturer’s recommendation before your effective date. You must also wait the applicable period of time for it to become fully effective based on the manufacturer's recommendation, or as dictated by the applicable health authority, before your departure date.

Trip Interruption Benefits

• up to $200 per insured person per day for your additional and unplanned commercial hotel and meal expenses to a maximum of $2,800 if you are unexpectedly required to self-isolate or quarantine. Family coverage maximum is $400 per insured family per day to a maximum of $5,600.

Important information about cruise travel: If you have not received the vaccine, this policy does not provide any coverage for Coronavirus (COVID-19) and related complications on a cruise or at any destination included in your cruise itinerary.

Exception: For children 11 years old or younger who are not eligible to receive the vaccine, Coronavirus (COVID-19) coverage will be provided when travelling with at least one parent or guardian on the same cruise booking who has received the vaccine.

We will not pay any expenses related to the cost of and any expenses for a Coronavirus (COVID-19) test that is mandated by any body with appropriate authority (such as a government or a transportation service) for entry into or exit from a country/jurisdiction or to use its services.

* If the claim is a result of an act of terrorism, benefits may be limited. Other exclusions, limitations and conditions apply. See the policy for details.

• Up to $10 million in emergency medical benefits 
• Covers a wide range of risks – from ambulance transportation to paramedical services
• Save 50% when travelling only within Canada
• Extra meal, hotel, child care and phone call costs
• Trip break without terminating coverage
• Return to original trip destination
• Up to $3,500/insured in trip cancellation/interruption benefits
• Baggage loss, damage and delay insurance
• Flight and travel accident insurance

Trip cancellation/interruption insurance*

• Reimburses prepaid, non-refundable, non-transferable portion of a trip cancelled or interrupted by – for example:
• Unexpected medical emergency or death of insured, insured's travel companion, an immediate family member or key person
• Business meeting cancelled
• Travel advisory issued by Canadian government
• Travel visa not issued
• Travel host hospitalization or death
• Missed connection

Baggage loss, damage & delay insurance

• Up to $100 for replacement of passport, driver's licence, birth certificate or travel visa
• Up to $500 for toiletries and clothing after luggage delay of at least 10 hours
• Up to $300/trip for any item or set of items to a maximum of $1,000

Flight & travel accident insurance

• $100,000 for a flight accident and $50,000 for a travel accident that results in the insured's death, blindness or double dismemberment within 365 days
• $50,000 for a flight accident and $25,000 for a travel accident that results in the insured's blindness in one eye or single dismemberment within 365 days
• Only one benefit payment (the largest applicable) per trip
• Up to covered amount purchased to a maximum of $20,000 
• Covers a wide range of risks – from unexpected medical emergencies to cancelled business meetings
• Buy separately if this is all that's needed

For all Emergency medical and All-inclusive plans, the minimum age is 30 days. There is no maximum age.

** For family coverage, all family members must have coverage that starts and ends on the same dates. Family coverage cannot be combined with travel companion savings.

Start a quote

Please complete all fields.

Your client must confirm with the appropriate Provincial/Territorial service centre that government health insurance plan coverage will continue throughout the trip.

More than two travellers require a medical questionnaire so this application cannot continue online.

Warning: Coverage start date is in the past

Your online session is about to expire. Click Continue to proceed with your application, or click End to end your session now

• Emergency Medical Plan 1 of 1

Emergency Medical Plan for Visitors to Canada

Plan overview.

Emergency Medical benefits up to amount purchased per insured person*.

• Hospital and physician services
• Paramedical services
• Ambulance transportation
• Emergency dental treatment
• Preparation and return of mortal remains
• Emergency air transportation home
• Additional meals and hotel
• Visit to bedside if travelling alone
• Return of children
• Return your travel companion

Travel Accident insurance is included with the purchase of Emergency Medical Insurance and covers the following benefits:*

• If an accidental bodily injury causes the insured to die, to become completely and permanently blind in both eyes or to have two limbs fully severed above the wrist or ankle joints, within 365 days of the accident, Manulife will pay $50,000.
• If an accidental bodily injury causes the insured to become completely and permanently blind in one eye or have one limb fully severed above a wrist or ankle joint, within 365 days of the accident, Manulife will pay $25,000.
• If the insured has more than one accidental bodily injury during the trip, Manulife will pay the applicable insured sum only for the one accident that entitles the insured to the largest benefit amount.

*Exclusions, conditions, and limitations apply. See the policy for details.

Coverage Amounts at a Glance

*Meets the insurance requirements needed to apply for or hold a Parent and Grandparent Super Visa.

$150,000 coverage is available up to age 69.

Eligibility

The following persons may apply for this insurance:

• Visitors to Canada;
• Canadians who are not eligible for benefits under a government health insurance plan issued by a Canadian province or territory;
• Persons who are in Canada on a work visa; or
• New immigrants who are awaiting coverage by government health insurance from a Canadian province or territory.

Applicants aged 85 or younger can choose coverage levels of: $15,000, $25,000, $50,000 or $100,000

Applicants aged 69 or younger can choose $150,000 coverage.

The applicant is not eligible for coverage for any plan if the applicant:

• is travelling against the advice of a physician;
• has been diagnosed with a terminal illness with less than 2 years to live;
• has a kidney condition requiring dialysis;
• has used home oxygen during the 12 months prior to the date of application;
• has been diagnosed with Alzheimer’s disease, or any other form of dementia;
• on the effective date of coverage, is under 30 days or over 85 years of age (over 69 years of age for $150,000);
• resides in a nursing home, home for the aged, other long term care facility or rehabilitation centre; and/or
• requires assistance with eating, bathing, using the toilet, changing positions (including getting in and out of a bed or chair) and dressing.

To be eligible for Plan A, all applicants must meet the above eligibility requirements.

To be eligible for Plan B, in addition to meeting the above eligibility requirements, applicants must truthfully answer ‘No’ to all questions on the Medical Questionnaire if 40 years of age or older.

Coverage for side trips

This insurance provides coverage while travelling outside Canada as long as the side trip originates or terminates in Canada and does not exceed the lesser of 30 days per policy or 49% of the total number of coverage days.

This insurance allows the policyholder to return home without terminating their coverage, if the policyholder has requested and received prior approval from the Assistance Centre. Coverage will be suspended but will not be terminated while the policyholder is at home. The suspension of coverage will end and coverage will be reinstated when the policyholder arrives back in Canada. There will be no refund of premium for any of the days during any return home.

Application & Medical Questionnaire

To apply for coverage, the application for insurance should be completed no earlier than 365 days* prior to the effective date of insurance.

• The policy may only be issued in Canada and coverage must not exceed 365 days.
• Application for insurance may be made before or after arrival in Canada. The applicant will be subject to a waiting period if insurance is purchased after arrival in Canada.
• All applicants must meet the Eligibility Requirements. Plan B applicants who are 40 years of age or older must complete the Medical Questionnaire to determine eligibility for Plan B.
• A waiting period will apply, except in the case of injury, if insurance is purchased after arrival in Canada or after the expiry date of an existing Visitors to Canada policy issued by us.
• On the effective date of insurance, the applicant must be in Canada and meet the eligibility requirements.
• The applicant may not be covered under more than one plan during a trip.
• A $75 (CDN) deductible will apply to each Emergency Medical claim made under this policy, unless the applicant chose No Deductible, $500 Deductible or $1,000, $2,500 or $5,000 Deductible option per claim and paid the applicable premium.

*Exception: Unless the applicant is applying for a visa and requires proof of insurance more than 365 days prior to the effective date of insurance.

Pre-Existing Medical Condition Exclusions

The Pre-existing Condition Exclusion that applies depends on the plan purchased.

- we will not pay any expenses relating to:

• any medical condition, diagnosed or undiagnosed, which existed or for which you sought or received medical advice, consultation, investigation, or for which treatment was required or recommended by a physician, within 180 days before the effective date of insurance;
• any heart condition if, in the 180 days before the effective date, the applicant required any form of nitroglycerine for the relief of angina pain; and/or
• any lung condition if, in the 180 days before the effective date, the applicant required treatment with oxygen or prednisone for a lung condition.

– we will not pay any expenses relating to:

• a pre-existing condition that is not stable in the 180 days before the effective date of insurance;

"Pre-existing condition" is an injury, sickness or symptom that existed before the effective date of insurance.

means a medical condition for which:

• there has not been any new symptom(s);
• existing symptom(s) have not become more frequent or severe;
• a physician has not determined that the medical condition has become worse;
• no test findings have shown that the medical condition may be getting worse;
• a physician has not provided, prescribed, or recommended any new medication, or any change in medication*;
• a physician has not provided, prescribed or recommended investigative testing, any new treatment or any change in treatment;
• there has been no admission to a hospital or referral to a specialty clinic or specialist;
• a physician has not advised referral to a specialist or further testing, and there has been no testing for which the results have not yet been received.

* Exceptions: the routine adjustment of Coumadin, warfarin, insulin to control diabetes (as long as the medication is not newly prescribed or stopped) and a change from a brand-name medication to a generic brand medication (provided that the dosage is not modified).

Coverage Start & End Dates

Coverage starts on the later of:.

• the effective date of insurance as shown in the confirmation; or
• the time and date the applicant arrives in Canada from home.

Coverage ends on the earliest of the following:

• each time the applicant leaves Canada to return home;
• when the policy expires, as shown in the confirmation;
• when the applicant becomes a resident of a nursing home, home for the aged or other long term care facility during their trip;
• no more than 365 days after the effective date of insurance; or
• the first day the applicant becomes insured under a government health insurance plan.

Waiting period:

A waiting period of 48 hours applies if this insurance is purchased after arrival in Canada or after the expiry date of an existing Manulife Visitor to Canada policy, as long as there is no increase in the coverage amount or change in the plan selected.  A claim related to an illness arising during or before a waiting period is not covered.

The waiting period follows and includes the effective date of insurance.

Refunds & Extensions

Applicants may request a refund of premium (minimum $25.00) for the unused days

• If the applicant cancels the policy at any time before the effective date of insurance; or
• If the applicant obtains government health insurance plan coverage from a Canadian province or territory, or returns home before the scheduled date of return (as per the confirmation) and there has been no claim reported or initiated or assistance services have not been provided;
• If you hold a Parent and Grandparent Super Visa (PG-1 VISA) and are leaving Canada permanently, you may request a partial refund if you provide proof of your departure from Canada and have not reported or initiated a claim or been provided with any assistance service.

All travellers insured under the same policy must return together or be covered under a government health insurance plan from a Canadian province or territory for a refund to be possible.

No refunds are available for Trip Interruption Insurance after the effective date.

Extensions:

To extend the coverage

, the policyholder must make the request before the expiry date or the scheduled date of return (as per the confirmation). If the policyholder has not had a change in their health status and has not had any health-related event since the effective date of insurance that has resulted or may result in a claim, the extension may be issued upon request. Otherwise, the extension is subject to the approval of the Assistance Centre.

Automatic extension of coverage

is provided beyond the date the applicant was scheduled to return home as per the confirmation if:

• the common carrier is delayed. In this case, we will extend the coverage for up to 72 hours;
• the policyholder or their travel companion is hospitalized on their expiry date. In this case, we will extend the coverage during the hospitalization up to a maximum of 365 days or until, in our opinion, you are stable for discharge from the hospital or for evacuation home , whichever is earlier, and for up to 5 days after discharge from the hospital;
• the policyholder or their travel companion has a medical condition that does not require hospitalization but prevents travel. In this case, we will extend the coverage for up to 5 days.
• Premium rates are in $CDN per person.
• Emergency Medical Family Coverage* rates are 2x the premium rate of the oldest traveller under age 60.
• Trip Interruption and Travel Accident Family coverage rates are 3x the premium rate of the oldest traveller under age 60.
• Rates are subject to change without notice
• The plan purchased;
• The age at the effective date of insurance, and
• The trip length.
• The date of departure; and
• The date of return.
• Coverage will not take effect if the applicant's cheque or credit card payment is not honoured when presented for payment.

* Family coverage is available under Plan A if you purchased and paid the premium for Family Coverage. The parent(s) must be under the age of 60 and their dependent son or daughter, travelling with them must be: -dependent on the parent(s) for support; - named on the confirmation; - at least 30 days of age but under 21 years of age; or, - any age if mentally or physically disabled.

Ways to Save

The published rates for the Emergency Medical Plans include a $75 CDN deductible. The following deductible options are available for Emergency Medical Plans only:

* $CDN per insured per emergency medical claim

Important Information

• Contact the Assistance Centre before receiving treatment while on a trip. Manulife Financial Travel Insurance has a 20% coinsurance provision that may limit the benefits if a call is not received. In addition, specific covered eligible benefits may be limited or not covered if the Assistance Centre has not been contacted.
• Make sure the application and confirmation are signed and dated prior to the effective date. If coverage is not arranged prior to the effective date, coverage begins on the day following Manulife's or the advisor/agent’s receipt of the executed confirmation form and payment. In the event we are unable to process payment, coverage will not be in effect.
• Read the policy with particular attention to "pre-existing condition" and other exclusions that apply to the coverage.
• The Wallet Card and Manulife FinancialTravel Insurance policy should be kept with you at all times when traveling. The Wallet Card includes telephone numbers in case of an emergency or if an extension is required. The Wallet Card is found in the policy

GMA.LIFE: Quality treatment of policyholders in Russia

Ready-made solution for insurance companies in critical diseases

Company Global Medical Assistance specializes in organizing a qualified, quick and effective medical care in Russia for cancer and other critical diseases.

GMA.LIFE takes care of all cases when insured events occur

We cooperate with the leading federal centers and clinical complexes in Russia on oncology, cardiology, eye surgery and neurosurgery. GMA.LIFE patients receive assistance from the best certified and graduate doctors. This guarantees the diagnosis accuracy, a serious reduction in the treatment time and the selection of effective, personalized methods for fighting the disease.

Global Medical Assistance offers service filling to insurance companies for insurance of critical diseases, and also reduction of expenses due to use of means of both compulsory and voluntary medical insurance.

Travel insurance

On this page.

Instruction: Change of selection promptly shifts the focus to a matching heading further down, on the same page.

Our travel insurance products

As one of the top insurance companies in Canada, Manulife offers a wide range of coverage options to best suit your travel protection needs. Whether you are snowbirds, seniors, students, or visitors to Canada, we’ve got you covered.

Travelling Canadians

Help provide Canadian residents with out-of-province or country coverage for unexpected travel expenses such as emergency medical and more.

Visitors to Canada

Get affordable coverage for medical expenses while visiting Canada. Meets the requirements for super visa.

Get help with medical expenses when studying away from home – either in Canada or abroad.

Travel insurance explained

Whether it’s to the beach, the city, or somewhere in between, travel gives us unforgettable escapes in beautiful places. But what happens when a trip doesn’t go as planned? A medical emergency or accident can have financial consequences that last far longer than your trip. That’s where travel insurance comes in. This short video explains:

• What’s included in travel insurance? What are the different types (travel medical insurance, trip cancellation and interruption insurance, visitors to Canada insurance and student travel insurance)?
• How insurance can reimburse you for unexpected expenses while you’re abroad or in another province or territory, from hospitalization, to transportation, and more!

Download a transcript (PDF)

It’s easy! To get the plan best suited to your needs, you can get a quote and apply online or by calling 1-877-268-3763. Have your travel dates, contact information, health information, and credit card or bank information on hand.

Having insurance while travelling is strongly recommended. Based on a survey conducted by the Conference Board of Canada, 82% of Canadians traveled with travel coverage in 2022. This speaks volumes and shows that most Canadians think having protection for unplanned emergencies while travelling is a necessity.

Travel coverage can protect you not only from emergency medical costs, but also from flight delays/cancellations, baggage loss/damage, travel accidents, and unforeseen events. Depending on your policy, you could get reimbursed for incurred costs if a covered event caused you to cancel or rebook your trip.

Ready to buy?

You can get a quote and purchase Manulife travel insurance online through Manulife CoverMe.

Need assistance?

Want to talk through your options.

Have questions and want to speak to a licensed insurance advisor? We can help with that!

Submit a travel claim

Visit our dedicated travel portal to start a claim. First-time on the site? Simply register, activate your account, and sign in