Is CoverMe Travel Insurance worth it? Review 2024
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Discover the methodologyCoverMe travel insurance is a popular option for Canadians who are looking for comprehensive coverage for their travels. The offers include a variety of plans to fit different needs and budgets and the policies are offered by Manulife, one of Canada's largest insurance providers.
Extending its services, it also offers travel insurance policies for visitors and students. But what makes it a good choice? Is it its coverage? Company reputation? Or something else? Find out answers to all your questions related to Manulife CoverMe travel insurance in this review.
You can also compare policies and get free quotes from Canada's best providers using our HelloSafe comparator tool.
CoverMe Travel Insurance: 5 Key Takeaways
- CoverMe travel insurance offers a wide range of coverage, including emergency medical expenses, trip cancellation and interruption, baggage loss or damage and flight accident insurance.
- The company also offers plans that specifically cater to the needs of students and visitors to Canada.
- CoverMe travel insurance is relatively affordable and the cost of your policy will vary depending on your age, the length of your trip and the level of coverage you choose.
- The company has a good reputation for customer service.
- Its policies are backed by Manulife, which means you can be confident that you're in good hands.
Our 2023 CoverMe travel insurance review
CoverMe travel insurance is also known as Manulife CoverMe travel insurance since it’s a brand under Manulife travel insurance, one of Canada's largest insurance providers. CoverMe offers a variety of insurance products, including travel insurance, health insurance, life insurance and more. Their travel insurance plans are designed to provide coverage for unexpected events that can occur before or during your travels.
The convenience of accessing medical care without high costs and the support of 24/7 travel assistance enhances its appeal. However, individuals with pre-existing conditions might find limited coverage, and while not the cheapest, the value in customer service and Manulife's backing outweighs this.
It's ideal for those willing to shell out that extra buck for good coverage, but those with specialised needs or tight budgets may need to weigh alternatives.
Here are its pros and cons to give you a better understanding of Manulife CoverMe travel insurance policy
Pros
- Coverage for various unforeseen events, such as trip cancellations, medical emergencies and lost baggage
- Access to necessary medical care without the burden of high costs
- Trip interruption/cancellation coverage
- 24/7 travel assistance services for finding medical facilities, arranging transportation and more
Cons
- Most plans don’t cover pre-existing conditions
- Not the cheapest option on the market
- Some customers have complained about the quality of CoverMe's customer service
- Submitting a claim requires a lot of documentation (mentioned in Manulife CoverMe travel insurance reviews)
You can now get a quote directly from Manulife and buy a plan that suits your best needs.
What are the types of travel insurance plans CoverMe offers?
CoverMe has three types of travel insurance policies, catering to the needs of Canadians and visitors alike.
CoverMe travel insurance for travelling Canadians
With this plan, you can gain affordable access to essential emergency medical services while journeying through different provinces and nations. You can benefit from emergency medical coverage of up to $10 million and choose coverage for a single trip or enjoy year-round protection across multiple journeys.
You can also extend your coverage with supplementary travel days (available for multi-trip plans) or opt for standalone trip cancellation and trip interruption coverage. Its all-inclusive plan offers emergency medical benefits coupled with trip cancellation, trip interruption, baggage loss, damage and delay, flight accident and travel accident insurance. You can choose from the following plans:
- COVID-19 Pandemic Travel Plan
- Single-Trip Emergency Medical Plan
- Single-Trip Emergency Medical Plan – Travel Canada
- Single-Trip All-Inclusive Plan
- TravelEase® for pre-existing conditions
Who’s eligible for this plan?
| Eligibility Criteria | Requirements |
|---|---|
| Age Restrictions | None |
| Residency | Must be a resident of Canada |
| Health Insurance Coverage | Must be covered by a Canadian provincial or territorial health insurance plan |
Good to know
You don’t need to answer medical questions if under 60 years of age. Family coverage savings require all family members to be under the age of 60. Dependent children must be at least 30 days old.
Manulife CoverMe travel insurance for visitors to Canada
Travel insurance for visitors to Canada is essential to help cover any unforeseen circumstances. Manulife's plan is ideal for every visitor, whether it's for business or leisure. You can benefit from up to $150,000 in emergency medical coverage if you’re up to age 69. It also offers up to $100,000 in emergency medical coverage for individuals up to age 85.
Other benefits include travel accident coverage, permission for side trips outside Canada (excluding your country of residence), flexible coverage for any duration of up to one year and adding trip interruption coverage to your plan. You can choose from the following plans:
- Plan A doesn't cover pre-existing medical conditions
- Plan B offers coverage for pre-existing medical conditions
Who’s eligible for this plan?
| Eligibility Criteria | Requirements |
|---|---|
| Age Limit | Up to 85 years old |
| Health Insurance Coverage | Must not be covered by a Canadian provincial or territorial health insurance plan |
Good to know
To qualify for family coverage discounts for yourself, your spouse and your dependent children, all family members must be under the age of 60. Dependent children must be at least 30 days old.
Manulife CoverMe travel insurance for students
This plan assists students in handling emergencies, including dental care post-accident, annual physicals and eye examinations. You can benefit from up to $2 million in comprehensive medical coverage, encompassing both emergency and non-emergency situations.
It lets you choose coverage for a duration of up to one year and get additional inclusions at no extra charge, including accidental death or dismemberment (AD&D) insurance, tuition reimbursement in case of school attendance disruption and a "trip break" option that allows you to travel during the academic year without terminating coverage. You can choose from the following plans:
- Canadians studying in another province or territory
- Canadians studying abroad
- International students studying in Canada
Who’s eligible for this plan?
| Eligibility Criteria | Requirements |
|---|---|
| Age Limit | Up to 44 years old |
| Student Status | Must be a full-time or post-doctoral student enrolled in a recognized educational institution |
| Health Insurance Coverage | Canadian students must have coverage under a government health insurance plan while temporarily residing outside of Canada |
Good to know
To avail family coverage savings for this plan, all family members must be under the age of 45.
You can compare Manulife CoverMe plans with policies offered by other providers so you can weigh multiple options. All you need to do is use our comparator below and compare coverages, prices, and get free quotes from Canada's best travel insurance plans.
Compare the best travel insurance plans on the market!
What does Manulife CoverMe travel insurance Canada cover?
CoverMe travel insurance Canada covers a variety of things, including:
- Emergency medical expenses: This includes doctor's visits, hospital stays, ambulance rides and other medical expenses incurred while travelling. The coverage limit for emergency medical expenses is up to $10 million.
- Trip cancellation and interruption: It covers the cost of non-refundable travel expenses if your trip is cancelled or interrupted due to a covered event, such as a medical emergency, a natural disaster or a terrorist attack. The coverage limit for trip cancellation and interruption is up to $10,000.
- Baggage loss or damage: It takes care of the cost of replacing lost or damaged baggage. The coverage limit for baggage loss or damage is up to $5,000.
- Flight accident insurance: This provides a lump sum payment if you are injured or killed in a flight accident. The coverage limit for flight accident insurance is up to $1 million.
- Other coverages: CoverMe travel insurance Canada also includes other coverages, such as personal liability, delayed departure, medical evacuation and lost passports.
What does Manulife CoverMe travel insurance Canada not cover?
CoverMe travel insurance Canada does not cover a variety of things, including:
- Pre-existing conditions
- Medical expenses or trip cancellation expenses incurred due to war or terrorism
- Optional activities, such as bungee jumping or whitewater rafting
- Injuries due to your own reckless or intentional acts
- Substandard medical care
- Non-emergency medical expenses
- Loss or damage to personal belongings
- Trip cancellation due to non-covered events
How much does Manulife CoverMe travel insurance cost?
The cost of CoverMe travel insurance varies depending on a number of factors, including:
- The age of the traveller
- The length of the trip
- The destination of the trip
- The level of coverage
- Any pre-existing medical conditions
For a 27-year-old male from Alberta travelling internationally, the cost of CoverMe travel insurance for a one-week single trip will be:
- $27.16 for the COVID-19 Pandemic Travel Plan
- $169.22 for the Single-Trip All-Inclusive Plan
- $24.22 for the Single-Trip Emergency Medical Plan
| Plan | Cost |
|---|---|
| COVID-19 Pandemic Travel Plan | $27.16 |
| Single-Trip All-Inclusive Plan | $169.22 |
| Single-Trip Emergency Medical Plan | $24.22 |
For a month’s trip for a 27-year-old visitor who will be staying in British Columbia, the cost of CoverMe travel insurance with emergency medical coverage of $1000,000 will be:
- $108.60 for Single Trip Emergency Medical – Plan A
- $119.40 for Single Trip Emergency Medical – Plan B
| Plan | Coverage amount | Cost |
|---|---|---|
| Single Trip Emergency Medical – Plan A | $1,000,000 | $108.60 |
| Single Trip Emergency Medical – Plan B | $1,000,000 | $119.40 |
Both plans cover emergency medical costs, travel accidents and side trips outside Canada, but they don’t cover trip interruptions.
We recommend that you compare plans from other providers before deciding if Manulife CoverMe is the best option for you. You could use our comparator below to get quotes from over 20 travel insurances in just a few seconds, and for free.
Compare the best travel insurance plans on the market!
How to submit a claim for Manulife CoverMe travel insurance?
To submit a claim for CoverMe travel insurance, you will need to gather all of the documentation related to your claim, such as medical bills, receipts for lost or damaged property, police reports, airline tickets, travel itinerary and other documentation that supports your claim.
Then, CoverMe provides a claim form that you can fill out. You can find the claim form on their website or by calling their customer service line. You can submit your claim online, by mail or by fax.
Here are the steps on how to submit a claim for CoverMe travel insurance online:
- Go to the CoverMe website and click on the "Claims" tab.
- Click on the "Submit a Claim" button.
- Log in to your account or create an account if you don't have one.
- Select the type of claim you are submitting.
- Provide your contact information and the details of your claim.
- Upload the required documentation.
- Review your claim and submit it.
How can you contact CoverMe travel insurance?
- To buy a new plan, call 1-877-268-3763.
- To get support for an existing plan, call 1-800-268-3763.
- To learn more about Manulife Vitality, call 1-888-626-8843.
You can also fill out an online form for sharing your feedback or resolving a complaint. The team will get back to you within 24 hours.
