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Manulife Travel Insurance

What's new.

Manulife now offers our new COVID-19 Pandemic Travel Plan – a specialized travel insurance product that helps provides medical coverage in the event of illness due to COVID-19. Learn more

Travelling Canadians

How to Register and Submit a claim step by step

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Clients not eligible?

Clients who are not eligible for a Manulife Financial Travel Insurance Plan or clients who prefer to have all of their pre-existing conditions covered, may qualify for an Individual Medical Underwriting Plan. They can call 1-877-884-8283 for a quote.

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

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Life & living benefits insurance.

Term, Whole Life, Universal Life, Critical Illness and Disability Insurance

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Travel, Health & Dental, Personal Accident Disability Insurance and Lifecheque Basic

• 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

Submit a travel insurance claim to Manulife

For CoverMe™ or Affinity* policyholders

On this page

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

CoverMe or Affinity* customers: Start a travel claim by logging in to our Manulife and Active Care Management (ACM) site. Please register and start a claim on the ACM site .

*Alumni, professional and retail members are sometimes referred to as Affinity customers. Not sure if you're an Affinity customer?  Check our listing to find out.

( Group Benefits customers: Start a travel claim by logging in to the Global Excel Management web portal. Please register and start a claim on the Global site. )

Submit a CoverMe or Affinity travel insurance claim

Sign in to the ACM travel claims portal to start or check on a claim

Start your travel claim

Follow these steps to register online, and start a claim:

Step 1: Create and register an account at our ACM travel portal

• Go to the Manulife ACM travel portal
• Click Register at the top right corner of the page
• Fill in the required information
• Click the Create account button when done (an activation link will be sent to your email for confirmation purposes)

Step 2: Log in

Once you’ve activated your account from the email ACM sent you, log in using the credentials you just set up for your new account (or simply log in, if you already have an account with ACM).

Step 3: Start a claim

Click on New claim, visible at the top of the page.

Step 4: Select your claim type

From the drop-down menu, select the claim type that describes your type of claim the best (e.g., medical or non-medical). If a medical claim, select the type of medical you are making (e.g., Out of province medical, Visitors to Canada, Student plan)

Step 5: Complete claimant information, policy number and other required information

Fill out all the required fields, and select ‘Next’.

Step 6: Complete the certification and authorization statement

Step 7: Attach supporting information*

Attach any supporting documentation or receipts, and select ‘Next’.

Step 8: Submit your claim

Click ‘Submit’ to complete your claim. Check your email inbox and look for the email confirmation from us that we received your claim.

Once we assign your case to a claims examiner, you’ll receive another notification from ACM. Remember: you can view your claim details any time by clicking on ‘Completed claims’ on the ACM website home page .

* Put together all official receipts. They need to show a description of the product or service you paid for (proof of payment's required, but not credit card receipts). Be sure to keep copies for your records including:

• Original itemized bills and receipts
• Any and all medical records or certificates provided at time of treatment and include a diagnosis, such as: an emergency room (ER) report; clinical documentation or a letter from your treating physician
• If you’re hospitalized, and need to make a hospitalization claim, we require a copy of your medical records from the treatment facility
• Any additional information relevant to your claim

Submit your claim by email

Scanned copies of all completed and signed claims forms and supporting documents can be submitted to ACM by email to:  [email protected]

Make a paper claim

If you’d like to send us a paper claim, here’s how:

• Trip cancellation claim form (PDF)
• Remember to include and attach to your claim any supporting documents requested (e.g., receipts, provincial coverage details, statements from other health plans)

Please mail any supporting documentation to:

CoverMe Travel Insurance c/o Active Care Management P.O. Box 1237, Stn. A Windsor, ON N9A 6P8

Like online claims, all receipts need to include a description of the product or service paid for (credit card receipts aren’t required), printed on the store/provider’s official invoice paper (keep copies of all paperwork for your records).

Receipts needed may include:

• Any and all medical records or certificates provided at time of treatment and include a diagnosis, such as: the emergency room (ER) report; clinical documentation or a letter from your treating physician

Additional information may be found on our Affinity Group Support page .

About the TravelAid TM app

TravelAid is a free app that gives you travel assistance when you’re travelling. It’s GPS-enabled and provides travellers immediate assistance, no matter where they are in the world. 

App features:

• Medical facility search – Since the app is GPS-enabled, it can provide directions to the closest medical facility wherever you are in the world
• International 911 lookup – Find emergency phone numbers easily, even when you’re in another country
• Travel tips – For Canadians travelling outside the country and visitors to Canada
• Start a travel claim – You can start a travel claim right on the app
• Contact claim administrators, ACM – There’s a direct link in the app that connects you immediately to 24/7 medical assistance

Download the app

Visit the Apple app store or Google Play to download the app.

Give us a call

The  toll free number provided on your insurance policy is the best one to call. But if that number isn't available, the toll free numbers listed below, according to travel policy type, also connect you with our Assistance Centre.

Call our Assistance Centre if you:

• Experience a medical emergency during your trip (please call our Assistance Centre as soon as possible and prior to any medical treatment)
• Are on a trip and need some non-medical assistance
• Need to make a general claim inquiry, or need help with the claim forms
• Need to start a Trip Cancellation claim
• Are a health care provider, inquiring about payment information or the status of a claim

For information about how to reach us by email, or to submit a paper claim, please refer to the second tab to the left, titled “Email and paper claims”.

Within North America, toll-free  1-800-805-1008

Outside North America, call collect  +1 (519) 251-1570

Within North America toll-free  1-855-857-5919

Outside North America, call collect +1 (519) 251-7298

Inside North America, call toll-free  1-833-389-1089

Outside North America, call collect  +1 (519) 945-1812

Inside North America, call toll-free 1-888-881-8010

Outside North America, call collect +1 (519) 945-8346

Inside North America, call toll-free 1-877-878-0142

Outside North America, call collect +1 (519) 251-5166

Inside North America, call toll-free 1-877-331-3134

Outisde North American, call collect +1 (519) 251-7401

You may also find immediate access to the Assistance Centre through the TravelAid™ mobile app. To learn more about the app or download it, click on the App claims tab, just to the left in this tab menu.

You may also call Manulife’s CoverMe travel department (toll free at 1-800-268-3763 ) if you:

• Have general inquiries about travel products or coverage before you leave on your trip
• Are looking to purchase travel insurance prior to your trip
• Would like to add or change your coverage, prior to leaving or while you are on your trip

How long does it take to process a travel claim?

It’s our goal to process eligible claims promptly. To help us do so, please:

• provide us – as soon as possible – the medical information we need from your treating or family physician 
• send in a fully completed claim form, including all requested supporting documentation
• remember that we may need other information from the medical providers (e.g., doctors, hospitals), so our response time may be impacted by when we receive mail from them

Frequently asked questions

In some cases, you may be able to deduct travel insurance premiums from your gross income when it comes to tax time. In most situations, however, travel insurance costs are not deductible. Be sure to ask an accountant or financial advisor as to the status of these costs prior to making them, if a concern.

The cost of travel insurance is not a medical expense. It's a cost incurred to protect you when travelling against any unforeseen circumstance that leads to your incurring a cost to protect your health and well-being while on a trip away from home.

Travel insurance claims involve completing a form and submitting it to the insurance company you purchased the travel insurance from. The forms tend to be detailed and take a bit of time to complete.

All supporting documentation requested in the claim form must also accompany your submission. Incomplete claims are generally not accepted and will need to be redone before going through the claims review process.

Generally, costs you incur while away you pay for out-of-pocket. Then, you're reimbursed by the insurance company after you return home and submit a claim.

In some instances (e.g., hospital stays), another arrangement can be made. In those cases, travellers may call us to make a plan for covering the costs.

Travel insurance claims go through an adjudication process. If the policyholder provides everything the insurance company needs to determine the validity of the claim and verify the expenses, then the claim will be approved.

There’s nothing for the policyholder to do to get a claim approved. One can only ensure their claim is complete, that all questions are answered, and all supporting documentation provided when the claim is first submitted. Also, if the company has any outstanding questions, the policyholder should provide answers as soon as possible to expedite the claim verification process.

Money Box - Double Dhamaka

Now start saving more everytime you top-up your RezVault.

What is Money Box?

As the name suggests, it is a savings box, where we will accumulate savings for you to reward for your support. You can claim the accumulated savings once the money box matures.

How Money Box Works?

Every time you top-up your RezVault, an extra savings will be credited to your money box. That's right, you earn bonus on bonus. The savings in your Money Box matures on the 1st of the following month. To break the Money Box and claim your savings, you simply have to top-up your RezVault with a specified amount before the savings expire. What's more? Money Box offer is valid along with any other offers from RezLive.com. *T&C apply

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Farmers Insurance

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If you need to file a claim, please call 1-800-435-7764

For all other matters, please call 1-888-327-6335 Mon-Fri 7am-11pm CST Sat-Sun 8am-8pm CST

Or contact your Farmers agent .

© 2023 Copyright, Farmers Insurance Group

• Single-Trip Emergency Medical 1 of 5
• Single-Trip All-Inclusive 2 of 5
• Single-Trip Travel Canada Emergency Medical 3 of 5
• Trip Cancellation & Interruption 4 of 5
• COVID19 Pandemic Travel Plan 5 of 5
• Multi-Trip Emergency Medical 1 of 2
• Multi-Trip All-Inclusive 2 of 2
• Emergency Medical Top-Up 1 of 1
• Emergency Medical Plan 1 of 1
• Canadian Studying in Canada Outside the Home Province 1 of 3
• International Student Studying in Canada 2 of 3
• Canadian Studying Outside Canada 3 of 3

Protect your travels & save 10% on rates*

As an eligible member of the Canadian Armed Forces (CAF) community, you deserve quality and value for your money. So we're offering you and your family 10% savings on already affordable Manulife Travel Insurance rates. *Excludes COVID-19 Pandemic Travel Plan.

Trip Cancellation & Interruption Travel Insurance for Canadians

Plan overview.

Included in All-Inclusive plans or purchased separately.

Trip Cancellation & Interruption Benefits

• Up to sum purchased per insured per trip for the Trip Cancellation & Interruption Plan when purchased separately
• Up to $3,500 per insured per trip for the Single-Trip All-Inclusive plan
• Up to $3,500 per insured per trip and  up to $6,000 per policy for Multi-Trip All-Inclusive Plans
• Reimbursement of prepaid portion of the  trip that is non-refundable and non-transferable to another travel date for a covered event

Highlights of some of the insured risks:

• Unexpected medical emergency or death of insured (or insured's travel companion)
• Unexpected medical emergency or death of insured's (or insured's travel companion's) immediate family or key person
• Cancellation of a business meeting
• Canadian Government issues a Travel Advisory regarding the travel destination
• Travel visa not issued
• The person whose guest the insured will be during the trip has a medical emergency and is admitted to a hospital or dies
•  Missed connection

Eligibility

To be eligible for stand-alone Trip Cancellation & Interruption Insurance under this policy, you must:

• be living in Canada or travelling through Canada; and 
• have paid the appropriate premium

Under Trip Cancellation & Interruption Insurance, coverage will include travel within your province or territory of residence.

Coverage Start & End Dates

Effective dates and expiry dates, your coverage starts:.

For Trip Cancellation, on the date the policyholder pays the premium for this coverage.

For Trip Interruption coverage, on the later of:

• the departure date; or
• the effective date as stated on the confirmation.

Your Coverage ends:

For Trip Cancellation, on the earliest of:

• the departure date;
• the date the policyholder cancels their trip;
• the expiry date shown on the confirmation.

For Trip Interruption, on the earliest of:

• the date you return home; or

Refunds & Extensions

Refunds and Cancellations are not permitted on any All-Inclusive plans.

Full refunds for standalone Trip Cancellation & Interruption Insurance is available if:

• you cancel your trip before any cancellation penalties are in effect; or
• the common carrier or travel supplier cancels the entire trip and all penalties are waived; or
• the common carrier or travel supplier changes the policyholder's trip dates and you are not able to travel and all penalties are waived.
• Premium rates are in $CDN per person.
• Rates are subject to change without notice.
• The sum insured;
• The age at the time of application.

Coverage will not take effect if the applicant's method of payment is not honoured when presented for payment.

Important Information

• If you purchased an All-Inclusive Policy, you must call the Assistance Centre in a medical emergency and prior to any treatment. Otherwise, you will have to pay 20% of the eligible medical expenses we would normally pay under this policy. If it is medically impossible for you to call, please have someone call on your behalf.
• If you are submitting a paper application, make sure it is 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 medical condition" and other exclusions that apply to the coverage.
• The Wallet Card and Manulife Financial Travel Insurance policy should be kept with you at all times when travelling. 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.

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Welcome to Moscow

Russia’s capital is packed with museums, art galleries, theatres and beautiful old buildings. There’s always something to see here – even a trip on the Metro, with its magnificent marble stations, is a treat. And when you’ve had enough of sightseeing, you can do some serious shopping in the city’s markets and malls.

Top things to see and do in Moscow

• Head to Red Square : with the Kremlin at one end and the multi-coloured onion domes of St Basil’s Cathedral at the other, the square is the absolute must-see of Moscow.
• Hit the malls : also at Red Square is GUM . This iconic department store with its arched arcades and wrought iron balconies is gorgeous looking and especially pretty lit up at night. It’s home to an array of designer stores. Serious shoppers can also head to the Okhotny Ryad mall and the very upmarket TsUM.
• Take a walk in the park : Gorky Park is where Muscovites come out to picnic, play table tennis and generally take time out to relax in middle of this bustling city. In the summer, there’s an open-air cinema to enjoy and in the winter you can skate on the ice rink.
• Buy souvenirs at the market : for some authentically Russian gifts to take home, try Izmaylovo Market. Here you’ll find Russian lacquered miniatures, intricately painted wooden handicrafts and Russian dolls.
• Take in some culture : visit the Tretyakov Gallery which is packed with over 100,000 works of Russian art dating from the 10th to 20th century. And if you can, get a ticket to the opera or the ballet at the Bolshoi Theatre.

Tips for travellers

Around 20 kilometres south-west of the city is Peredelkino , a former artists’ colony where many famous Russian writers had their dachas, or country homes. You can visit the dacha of Boris Pasternak, author of Dr Zhivago, which is now a museum.

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Getting around

Visa information, travel insurance.

You can get around Moscow by bus, trolleybus, tram, taxi or car hire. Moscow's public transport system is extensive with a large network of buses, trolleybuses and trams. You can buy daily and weekly tickets to use across the network. Marshrutkas or minibuses can be flagged down at designated stops and run on set routes. You can take an official yellow taxi either by flagging one from the street or having your hotel arrange one for you. You can also hire a car from one of several international car hire agencies available in Moscow. You'll need to be at least 21 years old and have had at least a year's driving experience. Bear in mind that care hire in Moscow is expensive and some companies will only hire out a car with a driver.

Our destinations are split into 8 different zones. The cost of checking in baggage per kilo depends on what zone you’re flying to and from .

For more information, please visit our Airport baggage rates page.

Before you fly, please make certain you have the correct visa and documents required to enter the country . Check with the relevant embassy to find out what you need.

Travel Guard for flydubai is the travel insurance provided by flydubai’s travel partner, AIG Inc. It can cover you if:

• you have to cancel your trip 
• you need emergency medical treatment while you’re away 
• you need to fly home early

For more information about how you can take out your travel insurance when you book your flydubai flight, visit our Travel insurance page.

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• Saint Petersburg
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Visit Moscow Tours

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Murmansk 4 days/3 nights

Happy New Year tour package- best price 8 days/7 nights

Baikal tour package 7 days/6 nights

Christmas tour package- best price 5 days/4 nights

Moscow tour package 4 days/3 nights.

Special Winter Edition Tour 8 days/7 nights

Saint Peterburg tour package 4 days/3 nights

Moscow-Kazan-Saint Petersburg 9 days/8 nights

Moscow-Suzdal-Saint Petersburg 9 days/8 nights

Moscow-Saint Peterburg tour package 8 days/7 nights BEST DEAL (15th of MAY-22d of MAY only)

Moscow-sochi tour package 6 days/5 nights.

Moscow - Velikiy Novgorod - Saint Petersburg tour package 9 days/8 nights

Moscow-Saint Petersburg-Baikal lake 14 days/13 nights

Moscow-Saint Petersburg-Sochi tour package 10 days/9 nights

Moscow-Altai tour package 14 days/13 nights

Moscow-Murmansk-Saint Petersburg 11 days/10 nights

Saint Petersburg - Karelia 8 days/7 nights

Moscow tour package 5 days/4 nights including tank riding and Stalin Bunker visit

Moscow-Saint Petersburg tour package 7 days/6 nights including tank riding and Stalin Bunker visit

Magic Ice of Baikal Lake - 7 days / 6 nights

SPA tour package Grozny (Chechnya) 4 days - 3 nights

Hiking tour package Dagestan 5 days - 4 nights

Suzdal and Vladimir Tour

Moscow Kremlin Tour

River Cruise Tour

Driving Tour around Saint Petersburg

Peterhof Tour

Moscow Driving Tour

Moscow in 1 Day (Walking tour)

Welcome to visit moscow tours.

We provide authentic, informative and memorable tour packages and city tours, at very competitive prices. Visit Moscow Tours are available not only in Moscow, but also in other cities: Saint Petersburg, Kazan, Suzdal and Sergiev Posad.  We also organise customised individual programs tailored just for you.

Our guests come in large groups, small private groups, as couples or as single travellers. We take care of and treat our guests with respect in a friendly and warm family environment. We show people our beautiful cities with passion and deep knowledge of their history, culture and traditions.

Our guides are extremely hospitable, helpful and well-informed. They are simply the best because only by providing the best services can we make the world fall in love with Russia. And we are very happy when our guests say that they will definitely come back to Russia and that they will tell all their friends how great Russia is! That is what inspires us to put even more dedication and hard work into our tours, knowing that what we do is positive and meaningful.

Our classic tours include tours of Moscow and Saint Petersburg, two main Russian cities.

Moscow is a big and busy  megalopolis and Russia’s capital city, where more than 12 million people live and work. Our capital city is happening place; it is mysterious, elegant, luxurious, fashionable, clean and bright, with its unique legends, traditions and events. It is with great pride that we show the Red Square and the Kremlin, our Underground and Tretyakovskaya Gallery, among other stunning attractions.

Saint Petersburg is our second capital,  the second largest city in the Russian Federation. This wonderful city has a strong and lively aristocratic spirit, uniquely Russian royal architecture, magnificent museums and theatres. Saint Petersburg bears the royal heritage of Russia, which can be felt in its air, its streets, parks, monuments, museums and citizens.  In Saint Petersburg tours, we will take you to the Hermitage, Peter and Paul Fortress, Faberge Museum and Orthodox Cathedrals. We’re sure you will love it!

If you have a few more days to spare, venture into the dreamy Russian countryside in Suzdal or Sergiev Posad. Suzdal is a small town with a population of about ten thousand people, situated on less than 15 square kilometres. This tiny area is home to 53 historic cathedrals, five monasteries and a kremlin. Church domes are visible like mushrooms from anywhere and everywhere in the town like in a fairy tale. No wonder Suzdal is called the ‘Town Museum”.  It is definitely worth visiting!

Just try any of Visit Moscow Tours’ tour packages or any individual city tour, and we promise that you will want to come back to Russia again.  Russia is huge with countless amazing places to visit. There are so many unique experiences to be had and energies to be felt that one tour is definitely not enough to explore this vast land. It is also a very safe destination to travel, and we have a tradition of warm hospitality. Our people adore and take care of visitors as our own guests, and even if they do not know your language very well, they still try to be helpful and hospitable.

Our guides will show you the most interesting attractions and historical places, taking you on a journey to the past to enjoy stories of medieval times, the Romanov monarchy, the Soviet Era. And of course, we will show you the contemporary life of our country through authentic local experiences.

We look forward to meeting you soon!