Is Manulife Health Insurance Worth It? 2024 Review

Did you know that over 30% of medical costs in Canada are not covered by your provincial healthcare? Most families end up paying this out of the pocket leaving them with a huge financial burden. That's why it's essential to have a good private health insurance.

Among the many insurance providers in the country, Manulife Health Insurance is one of the options you could consider. But is it the right choice for you?

In this review, we take you through the various plans, coverage, and pros and cons of Manulife health insurance, so you can decide if it's the best option for you. You also get to compare Manulife with other health insurances and get quotes tailor-made for you using our free comparator.

Our Manulife health insurance review: The most comprehensive options

Manulife offers many comprehensive plans - whether you are looking for dental benefits, drug benefits, or a combination, you will be able to find a plan that works for your needs.

They have a comprehensive online portal offering easy access to your benefit information and to submit a claim online. All health and dental plans have the option to add Manulife Vitality which gives you the opportunity to earn rewards and save on how much you pay.

Manulife private health insurance is a choice for you if you do not have benefits through your employer, you are losing your group coverage, or if you would like additional benefits not offered by your employer’s or provincial coverage (like AHCIP, MSP in BC) such as dental or medication-only coverage.

You could get a quote from Manulife personal health insurance based on your unique needs and see if it's the right fit for you.

How much is Manulife health insurance?

Your Manulife health insurance cost will be determined by your individual circumstances. Manulife will use a number of factors to calculate your premium such as:

• age
• gender
• addition of optional benefits
• the number of lives on your plan (individual, family, etc.)
• smoker status

A 30-year-old woman living in Toronto opting for a CoverMe ComboPlus Basic Plan without dental could expect to pay $96.90 per month to Manulife health insurance Ontario.

To make sure you are getting the best plan for the best price, you must first establish what you want from your policy. Take a look at the table below to see some of the variables affecting pricing.

Non-smoker, Ontario*	ComboPlus Starter Plan	ComboPlus Basic Plan
30-year-old man	$96.90 / month	$111.10 / month
50-year-old man	$132.8 / month	$154.10 / month
30-year-old woman	$96.90 / month	$111.10 / month
50-year-old woman	$132.8 / month	$154.10 / month

*The rates are for Manulife health insurance Ontario and assumes that the purchaser has Ontario provincial health plan (OHIP)

To make sure you are getting the best plan for the best price, you must first establish what you want from your health insurance policy. The price of Manulife personal health insurance like other providers varies greatly depending on your history, age, the coverage options offered, your province, and more affect pricing.

While it might seem like a daunting process to get the right health insurance, we've got you covered. All you need to do is use our free comparator below to compare Manulife prices, coverage, and get personalised quotes from other best health insurances in Canada to help you make the best decision.

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What does Manulife health insurance cover?

Manulife individual health insurance coverage pays for expenses that are not covered by your provincial healthcare.

Some expenses that Manulife covers include:

Coverage	Explained
Prescription drugs	Covers the partial cost of prescription medicines
Physiotherapists, chiropractors, psychologists	Covers the use of paramedical services
Vision care	Partially covers the cost of eye healthcare and lenses
Nursing and ambulance services	Covers transport to hospital and after-hospital care
Therapeutic equipment (orthotics, prosthetics, etc.)	Covers the cost of medical equipment you may need
Travel insurance	Covers healthcare costs while out of your province.

The company also offers a mobile healthcare app that allows you to research drug plans, manage prescriptions and review your claims.

What types of health insurance does Manulife offer?

Manulife has seven tiers of plans designed to suit your specific needs:

• DrugPlus Basic
• DrugPlus Enhanced
• DentalPlus Basic
• DentalPlus Enhanced
• ComboPlus Starter
• ComboPlus Basic
• ComboPlus Enhanced

All plans come with varying degrees of vision coverage and $250,000 extended health care over a lifetime for registered specialists and therapists, orthotics, hearing aids, home care, medical equipment and more (after government health plan maximums are reached).

Hospital, additional vision care, travel and accidental death and dismemberment can be added to each plan.

Plan	ComboPlus Starter	ComboPlus Basic	ComboPlus Enhanced
Prescription Drugs	$525/Year	$5,000/Year	$10,000/Year
Dental Care – Ongoing Maintenance	$400/Year	$750/Year	$920/Year
Oral surgery, periodontics, endodontics			Year 1: 60% Year 2: 60% Year 3+: 80%
Major restorative dental care			Year 1: 0% Year 2+: 60%
Vision Care	$150 every 2 Years	$250 every 2 Years	$250 every 2 Years
Extended Health Care	$250,000 Lifetime	$250,000 Lifetime	$250,000 Lifetime

Plan	DrugPlus Basic	DrugPlus Enhanced	DentalPlus Basic	DentalPlus Enhanced
Prescription Drugs	$5,000/Year	$5,000/Year
Dental Care – Ongoing Maintenance			Year 1: $575 Year 2+: $750/ Year	Year 1: $840 Year 2+: $920/Year
Oral surgery, periodontics, endodontics				Year 1: 0% Year 2: 60% Year 3+: 80%
Major restorative dental care				Year 1: 0% Year 2+: 60%
Vision Care	$250 every 2 Years	$250 every 2 Years	$250 every 2 Years	$250 every 2 Years
Extended Health Care	$250,000 Lifetime	$250,000 Lifetime	$250,000 Lifetime	$250,000 Lifetime

For more information, see this PDF of Manulife CoverMe health insurance:

What extras does Manulife offer?

Manulife allows you to purchase extras to add to your primary plans in order to increase your coverage, either for more serious health problems, like accidental death and dismemberment insurance or for things that are usually excluded, like travel insurance.

Extra coverage	What it protects
Manulife Vitality	A rewards program
Hospital	Provides cash to cover day-to-day hospital stay expenses
Travel insurance	Protects you if you become ill or are injured while travelling
Additional vision care	Increases the coverage limits for eye care
Accidental death and dismemberment	Insures you in case of mutilation, amputation or death by accident

Can I get Manulife travel health insurance?

Manulife health plans offer emergency travel coverage of $5,000,000. But you will have to check your specific plan to know the extent of your travel insurance coverage as different plans have different coverage, also based on your unique needs.

Travel insurance is a wise investment because provincial health insurance plans cover less once you are out of your home province. This means expenses can quickly escalate out of control if you become unwell or suffer an accident while travelling.

If you are travelling abroad then you may not have any access to any health care services at all without having an insurance plan in place. In some countries, such as the USA, you will have to pay upfront for any medical treatment that you need.

Considering you are not already protected, you can purchase a travel add-on to your policy or buy Manulife travel insurance for comprehensive coverage as a separate insurance policy.

If you'd like to see how Manulife policies fare when compared to other insurances, you could use our comparator below to get quick quotes and coverage and pricing info from Canada's best health insurances. The tool is free to use and you get personalised quotes in no time.

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What does Manulife dental insurance cover?

While Canada’s public system covers lots of healthcare needs, access to dental care is not included. Dental care is important to one’s overall health. Since it can be a major expense, too many people skip preventive treatment.

That is a mistake, as regular preventive care helps prevent gum disease, which is linked to conditions like heart disease, diabetes and rheumatoid arthritis. Additionally, it can help you to detect other medical complications early.

A supplemental dental insurance plan can help, so let's see what Manulife health and dental insurance offers.

Manulife offers two stand-alone dental plans and also offers dental benefits in all three combination plans; however, each plan will have differing benefits.

Dental Plan	Year one coverage	Year two and beyond
DentalPlus Basic	Year 1: 50% of first $1,150 (up to $575 every year) Check-ups every 9 months	Year 2+: 80% of first $400 and 50% of next $860 (up to $750 every year) Check-ups every 9 months
DentalPlus Enhanced	Year 1: 70% of first $1,200 (up to $840 every year) Check-ups every 6 months	Year 2+: 100% of first $500 and 60% of next $700 (up to $920 every year) Check-ups every 6 months
ComboPlus Starter	70% of the first $575 (up to $400 every year) Check-ups every 9 months	70% of the first $575 (up to $400 every year) Check-ups every 9 months
ComboPlus Basic	80% of first $400 and 50% of next $860 (up to $750 every year) Check-ups every 9 months	80% of first $400 and 50% of next $860 (up to $750 every year) Check-ups every 9 months
ComboPlus Enhanced	100% of first $500 and 60% of next $700 (up to $920 every year) Check-ups every 6 months	100% of first $500 and 60% of next $700 (up to $920 every year) Check-ups every 6 months

What is Costco Manulife health insurance?

Manulife has an offer which allows Costco members special savings rates, executive members can save up to 5%. As a Costco member, you get set premiums which will not change with your health over the years and Survivor's coverage which will support your dependents for one year if you die unexpectedly.

Manulife costco health insurance offers members a choice between standard Health and Dental Insurance and the FollowMe plan. The FollowMe Health plan is a guaranteed health insurance policy, which means there are no medical questionnaires and no check-ups, everyone can get this policy no matter their health history.

How to get Manulife health insurance?

You can get a Manulife health insurance quote by using our comparator below. It's free to use and lets you get personalised quotes in no time. It also allows you to compare quotes with other health insurances so you can decide what's the best option for you.

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Alternatively you can head to their website, choosing the plan that suits you best and giving your age, address and picking the amount of coverage that you need. Some of Manulife's health insurance policies may require medical questionnaires. Answer these accurately to determine your eligibility and premium rates.

Once you've shared the questionnaire you will be presented with different options from Manulife and you can go ahead and pick the one that suits you the best. But we strongly recommend comparing options before you make a purchase.

If your application is approved, you'll need to pay the required premiums to activate your health insurance coverage.

You can also request a quote through a broker, or you can call a representative directly on the Manulife health insurance contact number: 1-800-268-3763.

Manulife health insurance login

You can access your personal account on the Manulife website by clicking the Log On button on the top right of the homepage. You will need your username and password. Once you have unlocked your account you will be able to manage your claims, see upcoming prescriptions and alter your drug plans.

Managing your account online is a great way to stay on top of your health insurance rather than waiting for monthly postal updates. It allows you to stay flexible and alter your plan as your life circumstances change. Managing your prescriptions online allows you to change which pharmacy you pick up from if you are on the move.

Manulife health insurance app

Using Manulife's app allows you access to Akira by TELUS Health. This lets you get in touch with a healthcare professional, any time, day or night. This means you can ask health questions or questions about the level of coverage you need easily and from the comfort of your own home.

You can download the app via the Manulife website or through your app store.

Manulife health insurance customer service

You can call the Manulife health insurance phone number at 1-800-COVER ME (1-800-268-3763). You will be able to speak to a customer services representative from Monday through Friday, between 8:00 am and 8:00 pm ET.

Manulife customer service	Contact
Phone	1-800-COVER ME (1-800-268-3763) Monday through Friday, between 8:00 am and 8:00 pm
By email	Health and Dental: [email protected]
Mail	CoverMe PO Box 670 STN Waterloo Waterloo, ON N2J 4B8 Canada

Is there Manulife health insurance for retirees?

There are no plans specifically designed for retirees but existing Manulife plans do offer them coverage based on their age. Retirees often transition from employer-sponsored plans to individual health insurance coverage.

Some of these may require a medical questionnaire, at time of application, like the ComboPlus™ Enhanced Plan offers, to asses your health and pre-existing conditions if any. However, the ComboPlus™ Starter Plan does not require one.

Retirees can explore Manulife individual health insurance plans, which may include coverage for medical expenses, prescription drugs, paramedical services, vision care, and more. The plans may come with different levels of coverage and options for customisation based on the retiree's preferences and budget.

Is there Manulife health insurance for visitors to Canada?

Yes, this type of insurance is commonly known as Visitor to Canada travel insurance. It is designed to provide temporary coverage for visitors, immigrants, and international students during their stay in Canada.

The Visitor to Canada insurance typically covers emergency medical expenses, hospitalization, and some other benefits like emergency medical evacuation and repatriation. It is essential for visitors to have health insurance while in Canada, as the country's healthcare system can be expensive for those without coverage.

How to make a Manulife health insurance claim?

You can make a claim via the website on through the app. You will need to login into your personal space before you make a claim. In your personal space, you will be able to see your previous claims and keep track of how they are progressing.

Alternatively, if you prefer to have hard copies of your documentation, you can download the appropriate Manulife claim form below, fill it out and mail it to one of the following addresses.

How to cancel health insurance Manulife?

If you want to end your policy then you can speak to a representative directly by calling Manulife customer services at 1-800-268-3763 to inquire about cancelling your plan.

If you prefer to keep hard copies of your documentation then you can download the form below. So fill it out with your details and your reason for cancelling and mail it to the appropriate address.

Then mail the completed form to: