Travel Fearlessly - Make Sure You are Covered
Insurance for Canadian Travellers
Whether you are travelling within or outside your province or Canada, the Travel Insurance plans offered by Manulife Financial are specifically designed to safeguard you against unforeseen emergencies that may arise before or during your journey.
It's important to note that your government health insurance plans may only cover a portion of healthcare expenses incurred outside of Canada, and they may offer limited coverage while travelling within another province. Unfortunately, illnesses, accidents, and other covered events are all too common and can disrupt your travel plans, leaving you with significant unforeseen out-of-pocket expenses.
When travelling outside of Canada, Manulife's COVID-19 Pandemic Travel Plan provides comprehensive protection against unexpected emergencies during your trip. This plan includes coverage for medical emergencies, including Coronavirus (COVID-19), as well as interruption coverage. By opting for this plan, you can have peace of mind knowing that you are financially protected in case of any unforeseen circumstances.
Watch tough experiences become more selfie-worthy
We all hope to have selfie-worthy experiences when we’re on vacation. But it doesn’t always work out that way. Watch these Canadians as they tell their tales of what happened when things went wrong on their trips, and how Manulife was there to help make their experience a little more selfie-worthy.
It's a dream holiday gone wrong. Luckily, Faline bought travel insurance online before leaving Canada.
Contact your Travel Agent to find a plan that gives you peace of mind.
Get help covering unexpected medical expenses when you travel
Whether you’re travelling for business or pleasure, unexpected trip and health problems can occur. Help protect your trip and keep disruptions to a minimum with CoverMe travel insurance for travelling Canadians – simple, affordable coverage for emergency medical expenses, baggage loss, trip cancellations and more.
Premium Protection Plan:
Coverage includes Trip Cancellation and Trip Interruption, Travel Disruption, Emergency Medical, Baggage Loss, Damage and Delay and Travel Accident.
These benefits provide coverage for ACCIDENTS, INJURIES, UNEXPECTED ILLNESSES AND OTHER UNFORESEEN EVENTS that occur during the policy period unless the event or situation causing your claim is specifically excluded.
• Family Rates available up to age 60
• No Medical Questionnaire required
Cancel For Any Reason
Confirm your insurance within 24 hours of booking and have the added benefit of Cancel For Any Reason
80% of Non-refundable amounts 7 days or more prior to departure, 80% of Non-refundable amounts capped at $2500, 6 days to 24 hours prior to departure.
Benefit Summary
Trip Cancellation Sum Insured
Trip Interruption Unlimited
Emergency Medical Up to $10,000,000 CAD
Baggage Loss or Damage Up to $1,500
Baggage Delay Up to $750
Flight Accident Up to $250,000 CAD
Travel Accident Up to $50,000
This is a general summary only. For a full listing of benefits please read the policy as limitations and exclusions apply.
Emergency Medical plan:
Single-trip or multi-trip coverage that can help cover emergency medical expenses (up to $10 million) for:
Physician services
Ambulance transportation
Hospitalization
Prescription drugs and more
Trip Cancellation & Interruption plan:
Coverage up to the purchased amount
All-inclusive plan:
Emergency Medical coverage
Trip Cancellation & Interruption coverage
Baggage loss/damage/delays
Flight and travel accident
Freqently Asked Questions:
I would like to purchase an Annual Emergency Medical plan. I'm not travelling though until early next year. Can I buy the coverage today?
Under the Annual Emergency Medical Plan, the first travel date may not be scheduled more than 3 months after the Annual Plan premium is paid.
I have a heart condition that I have had for 2 years now. My doctor says I can travel. Will this insurance cover me if I suffer a heart attack while on my trip?
To determine the stability requirement of any medical condition, please refer to the definition of stable within the policy booklet. Please also take the time to review other exclusions and conditions of the coverage outlined in the policy as the period of being stable depends on the coverage chosen and the age at the time of purchase.
I'd like to have travel insurance coverage for all of next month. Can I come home for a weekend and then return to my trip and keep my coverage?
Can I buy insurance after I've started my trip?
No. Coverage must be purchased prior to departure. However, if you do have coverage in place, you may request an extension of your coverage if you extend your trip .
Can I get a refund on my insurance premium?
Some refunds are permitted. Please refer to your travel advisor for plan details.
We have a trip scheduled for next month and we have an All-Inclusive policy. We have just been notified that my wife has been called for jury duty. Are we covered if we cancel the trip?
It depends on when your wife has to report for jury duty. If that date falls during your trip, you may submit a claim for trip cancellation.
I booked a trip and purchased an All-Inclusive plan with $3,500 coverage prior to departure. If I am sick and can't travel do I get the $3,500 back?
It will depend on what the non-refundable portion of your trip is at the time you developed the medical condition. The examiner will look at the penalties that were applicable to you on the date of the cause of cancellation or on the next business day at the latest and you will be reimbursed for covered non-refundable expenses.
I have booked a trip and purchased an All-Inclusive plan. I will be taking my golf clubs with me. Will you reimburse me if my clubs are stolen?
If your clubs are stolen and you can provide documentation to that effect, you are eligible to file a claim. However, the baggage insurance covers a maximum dollar amount and may not be sufficient to cover your entire loss. You may be able to claim the difference through your homeowner's insurance policy.
Does your Emergency Medical plan cover me if I require medical attention due to injuries sustained while scuba diving?
Scuba diving is covered only if it is not your principal paid occupation.