Travel Insurance for Canadians
Manulife offers Emergency Medical Insurance and All-Inclusive plans for
one trip and many trips (annual plans) as well as Trip Cancellation & Interruption insurance. Get a
quote or buy Travel insurance Online directly from Manulife Financial: click on the link
below to protect yourself and your health before traveling.
Who can apply:
TO BE ELIGIBLE FOR THIS
INSURANCE, you must be a resident of Canada, and covered under a
government health insurance plan for the entire trip length.
NOTE: Topping-up: When you have travel insurance
but need longer coverage, you can apply for a top-up for
the number of days not covered under your existing policy.
Choose "Top-up" plan, enter your actual departure date
and return date, and then the number of days covered under your
For assistance to
complete the online application or to buy a policy over-the-phone,
call 416-493-0101, 1-877-443-0101
What to do if you got sick or injured
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coverage you will get
Emergency Medical Insurance
one trip (single trip plans) and many trips (multi-trip annual
To be eligible for Emergency Medical coverage,
you must, as of the date you apply for coverage and the
be a resident
of Canada and covered under a government health insurance plan for
the entire duration of your trip;
be at least
thirty (30) days of age;
not have been
advised by a physician to avoid travel at this time;
not have a
terminal illness for which a physician has estimated you have less
than six (6) months to live;
metastatic cancer (cancer that has spread from the original site to
another place in your body);
not have been
prescribed or used home oxygen in the last twelve (12) months; and
never have had
bone marrow, stem cell or organ transplant
(except corneal transplant).
Worldwide coverage. You can also buy Canada Emergency Medical Plan,
which provides emergency medical
benefits at half the premium when all travel is within Canada
only (outside your province of residence).
you take two or more trips each year, you can
purchase a Multi-trip annual plan for an
unlimited number of trips taken during 365 days.
Coverage for each separate trip commences and becomes effective
immediately upon your departure from Canada
(or your province of residence) and ends when you return to
Canada (or your province of residence).
Each trip taken outside Canada can
be up to the maximum days you selected when you purchased your
Multi-trip plan. Select coverage
for 4, 10, 18, 30 or 60 days per trip outside of Canada. If
you need extra coverage days, you can purchase Top-Up coverage
for trips that are longer than the maximum trip length of your
This plan provides emergency medical coverage for unlimited
travel within Canada but outside your province of residence.
All-Inclusive plans (multi-trip and single-trip),
Trip Cancellation & Trip Interruption for single trips, so you can make the
choice that's best for Manulife All-Inclusive plans include Emergency Medical, Trip
Cancellation & Trip Interruption, Baggage Loss, Damage and
Delay, and Flight and Travel Accident.
age on the application date. No maximum age limit.
Savings and Deductibles
50% Travel Canada
When purchasing a Single-Trip Emergency Medical and all the travel is within Canada.
5% Travel Companion
Savings for Any
Emergency Medical Plan: This is
available on all medical plans.
for Any Emergency
Medical Plan: Available for spouse and
dependent children or grandchildren when all family members are
under age 60. The rate is calculated at:
- 1.5 X the
premium for one parent/grandparent travelling with
- 2 X the premium
rate for two parents/grandparents travelling with dependent
- 3 X the premium
for three generations of parents/grandparents with dependent
Deductible Savings Options
All published rates include a zero deductible. The following
deductible options are available for Single-Trip and Multi-Trip
Emergency Medical plans only:
| Deductible per insured per claim, CAD
| Applicable Savings
Deductible savings options
are not applicable to the Travel Canada plan and All-Inclusive
may cancel your policy prior to your policy
effective date (your
effective date if you have purchased a Multi-Trip Emergency
If you return home early, you may request a
refund of premium (minimum $25) for the unused coverage days of your trip
providing there has been or will be no claim reported or initiated,
that you have not been provided with any assistance services.
You will have to send to the company your written request with proof of the
date you actually returned home.
Refunds and cancellations are not
available on the Trip Cancellation
& Interruption, All-Inclusive and Multi-Trip plans.
If you are already on your trip,
and need to apply for an extension of your coverage,
call the insurance broker or Manulife before
the expiry date of your existing coverage. You may be able to extend your coverage, as
the total length of your trip, including
the extension, does not exceed the maximum
allowed by your government health insurance plan (180-212 days
depending on your province of residence);
you pay the additional premium
there has been no event that has
resulted or may result in a claim against the policy; and
has been no change in your health status.
medical coverage is provided beyond your policy
expiry date at no
additional premium :
72 hours days in the event your common carrier
or vehicle is delayed;
If you or your travel companion are
hospitalized on the expiry date, for the remaining period of your hospital confinement
(up to a maximum of 365 days) plus
5 days after discharge from the hospital; or,
5 days if you or your travel companion are unable to travel on
your scheduled return date but you are not hospitalized.
includes the following Emergency Medical Benefits
Up to 10 million
Emergency medical treatment
Reasonable and customary charges for medical care received from a physician in or out of a hospital;
The cost of a semi-private hospital room (or an intensive or
coronary care unit where medically necessary);
The services of a licensed private duty nurse while you are
The rental or purchase (whichever is less)
of a hospital bed, wheelchair, brace, crutch or other
Tests that are needed to diagnose or find out more about your condition;
▪ Drugs that are
prescribed and are available only by
prescription from a physician or
Coverage for professional medical services due to
covered risk, up to $70 per visit a
combined maximum of $700 for a covered injury
Reasonable and customary charges for
local licensed ambulance to
transport you to the nearest
appropriate medical service provider
in an emergency
Emergency dental treatment
Up to $300 for the relief of dental
pain ; and/or
Accidental blow to mouth - up
to $3,000 to repair or replace
Return home to your province of residence
without terminating coverage.
If you experience any change in
your health during the Trip Break,
you must notify
the Assistance Centre prior to leaving your province of
residence for confirmation of continued coverage.
Hospital allowances, Phone call expenses, Pet
return, Terrorism coverage
The following benefits
must be pre-approved and arranged by
the Assistance Centre
Expenses related to death
Up to $5,000
Emergency Return home
If recommended by attending physician;
including air ambulance
transportation if this is medically
Visit to bedside
If the insured is traveling alone and hospitalised for 3 days or more
because of a medical emergency, the
company will pay the economy class
airfare for someone to be with you.
Return of children in the care of the insured
If the insured is traveling alone and hospitalised for more than 24
hours or must return home
because of an emergency, the company
will pay for extra cost of one-way
economy class airfare to return the
children home. The children must be
covered under a policy underwritten
Additional expenses for meals, hotel,
Reimbursement of up to $200 per day
to maximum of $2,000 for extra
meals, hotel, and taxi fare, if a
medical emergency prevents you or
your travel companion from returning
home as planned.
Return home of vehicle
Up to 3,000 charged by a commercial
agency to bring your vehicle home.
Other re-approved benefits
expenses, Expenses to return your
travel companion, Return of excess baggage
Medical Concierge Services provided by StandbyMD.
StandbyMD offers you:
Anywhere you travel, telephone access to a qualified physician
who can assess your symptoms and provide treatment options;
In 86 countries and over 4000 cities, access to physician house call visits.
In addition, when you travel to the United States, StandbyMD offers the following services:
- Same-day co-ordination and delivery of lost/forgotten
prescription maintenance medication, eye glasses or contact lenses and medical supplies;
- Referral to medical specialists, chiropractors, dentists, walk-in clinics,
urgent care centres or more than 50,000 hospitals for evaluation and treatment;
- Physician co-ordination to an Emergency Room and, whenever possible in select cities,
will fast track you through the Emergency Room.
To access this service, simply call the Assistance Centre
using the phone numbers indicated on the wallet card.
EXCLUSIONS AND LIMITATIONS.
Travel medical insurance does not cover everything.
This insurance has exclusions, conditions and limitations. Please read them and understand the policy
before you buy this insurance.
If your age at the time of application is less than
60 years, the pre-existing condition clause for category A is applied to
you (3-month stability period).
If your age is 60 years and over you will be asked to
answer several medical questions on the applications (see
and depending on your answers you will qualify for rates and
pre-existing condition coverage of categories A, B, C
(stability period for rate category A is 3 months and 6 months for rates categories B,C).
For Travel Canada Emergency Medical Plan, no pre-existing
condition exclusion applies. The applicants must still complete
the medical questionnaire, if applicable, to determine their
Rate Category to calculate premium.
Please click on Pre-Existing
Condition for the details on this coverage.
Some Other Exclusions
Any emergency when, prior to the purchase
date, you had not met all of the
eligibility requirements or truthfully
and accurately answered all the
questions in the medical questionnaire
Covered expenses that
exceed 80% of the cost we would normally
have to pay under this insurance if you
or someone on your behalf does not
contact the Assistance Centre at the
time of the emergency.
investigative or elective treatment such
as cosmetic surgery, chronic care,
rehabilitation, or any directly or
indirectly related complications.
The continued treatment of
a medical condition when you have
already received emergency treatment for
that condition during your trip and your
medical emergency has ended.
A medical condition for
which future investigation or treatment
was planned before you left home. A medical condition that
had caused your physician to advise you
not to travel
emergency resulting from: hang-gliding,
parachuting or skydiving; participating
in a motorized speed contest; or your
professional participation in a sport,
snorkeling or scuba-diving when that
sport, snorkeling or scuba-diving, is
your principal paid occupation.
● Not following recommended
or prescribed therapy or treatment.
● A mental or emotional
disorder (other than acute psychosis)
that does not require admission to a
● Your routine pre-natal
care; your pregnancy or childbirth or
complications thereof when they happen
in the nine (9) weeks before or after
the expected date of delivery; your
child born during your trip.
● For insured children under
two (2) years of age, any medical
condition related to a birth defect.
Any benefit that must be
authorized or arranged in advance by the
Assistance Centre when it has given no
authorization or made no arrangement for
Any emergency that occurs
or recurs after our medical advisors
recommend that you return home following
your emergency treatment, and you choose
For policy extensions or
Top-Ups: any medical condition which
first appeared, was diagnosed or treated
after the scheduled departure date and
prior to the effective date of the
insurance extension or Top-Up.
Any change in your health
status or medical condition that
occurred or that started or any medical
condition that did not remain stable
during your Trip Break.
Please refer to the
Policy Wording for a full list of exclusions and limitations.
If you make pre-paid travel arrangements, you may want to choose
the All-Inclusive plan that includes:
Coverage Amounts per Insured
up to $10,000,000 per policy
Trip Cancellation &
Single-Trip Plans: up to the sum insured to maximum of $3,500 per trip
up to $3,500 per trip to a maximum of $6,000 per policy
Baggage Loss or Damage
up to $1,000 per trip
up to $3,000 per policy.
up to $500 per policy
up to $1,500 per policy.
death or dismemberment.
death or dismemberment.
Please refer for t the
All-Inclusive Plan Policy Wording for details.
Trip Cancellation & Interruption
can be purchased separately.
To be eligible to purchase
stand-alone Trip Cancellation coverage, you must be living in
Canada or traveling through Canada.
Under Trip Cancellation & Interruption
insurance, coverage will include travel within your province of
Please refer for the
Trip Cancellation & Interruption Policy Wording for details.
NOTE: The product-related information is for illustration purpose
only. Please refer to the Policy wording for details on the coverage
provided, conditions, exclusions, limitations and claim procedure.
have questions about this insurance coverage, or need help to
complete the online application, or you want to purchase a policy, please, call at
click here to send your
to do if you get sick or injured.
your policy confirmation with you at all times. In the event of
sickness or injury which may result in claim,
please contact Manulife Financial ASSISTANCE CENTRE at the telephone numbers shown on
your policy confirmation (in the section
Please note) and the
wording (pg. 1).
Emergency phone numbers: Toll-free from
the USA & Canada - 1-888-881-8010; collect to
Canada from anywhere else in the world - 1(519) 945-8346.
Immediate access to the Assistance Centre
is also available through its TravelAid mobile app.
To download the app, visit:
The TravelAid mobile app can also
provide you with directions to the nearest medical facility,
local emergency telephone numbers (such as 911 in North
America), and pre- and post-departure travel tips.
The Assistance Centre has existing relationships with
medical providers in many vacation destinations, as well as
contacts all over the world, to ensure emergency situations are
handled as smoothly as possible. Manulife Assistance Centre will communicate with your medical
provider, arrange direct billing where possible and coordinate
payment of the emergency service received.
Notice regarding claim procedure !
Your policy provides travel assistance. If you experience a
medical emergency, you must notify the Assistance Centre
immediately. For insurance coverage under Trip
you must call the Assistance Centre within forty-eight (48)
hours of the cause of cancellation.
Your policy may limit benefits should you not contact the
To apply for benefits under this policy, you
will need to send a completed claim form (with all original
bills attached) to Manulife. (The claim form
is available by contacting the Assistance Centre). Consult the claim guideline in
the Policy wording (pg. 8-9) for the claim procedure.