Is Manulife travel insurance the best in 2024?
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Visiting another country or province without travel insurance can be a costly mistake. Indeed, did you know that an overnight stay in a United States hospital can exceed $14,000 CAD? Some countries might even refuse to help you if you are unable to prepay for treatment.
Travel insurance is a necessity when you are away from home. It guarantees your ability to access and pay for health care, if and when you need it. Beyond medical emergencies, travel insurance can also help with flight issues and lost luggage, amongst other things.
While you look for options, a good provider to consider would be Manulife travel insurance. What does Manulife cover? For what price? What are its pros and cons? Read our review on Manulife's travel insurance, get quotes, and see how the competitors fare.
Our 2024 Manulife travel insurance review
Manulife is one of Canada's largest insurance providers. Manulife plans are flexible offering various levels of coverage. All-inclusive plans cover most major travel risks including emergency medical care, cancellations and lost luggage.
Here are some Manulife travel insurance Canada pros and cons:
Why Manulife could be right for you:
- Coverage for a single trip or for multiple trips
- Several offers depending on your profile (Canadians traveling domestically, Canadians going abroad, visitors and students)
- Clear explanation of what the plans cover
- Up to $10 million in emergency medical benefits
- Costco Manulife travel insurance for members
Why Manulife may not be right for you:
- Medical questionnaire for those aged 60+
- If you are unable to call before seeking treatment you pay 20% of the expense out of pocket
You could compare Manulife's coverage with other best travel insurances in Canada using our comparator below.
Compare the best travel insurance plans on the market!
Is there Manulife covid travel insurance?
Manulife offers a specific plan just for Covid-19. It covers COVID-19 related emergency medical expenses and trip interruption coverage in the event you need to self-isolate or quarantine during your trip just as other popular providers like Allianz travel insurance.
The cost depends on your individual needs but here's a quick overview of what's covered by Manulife covid travel insurance.
For Canadians travelling abroad
- Emergency medical insurance for COVID-19 and related complications are covered up to $5,000,000 if you are fully vaccinated for Covid-19 by a Health Canada-approved vaccine or for up to $1,000,000 for non-vaccinated policyholders
- Trip Interruption Insurance benefits if you are required to quarantine (up to $200 per insured person per day for hotel and meal expenses (up to a maximum of $2,800) -or- $400 per insured family per day (up to a maximum of $5,600)
What is Costco Manulife travel insurance?
Costco-Manulife travel insurance is offered in partnership between Costco and Manulife. It offers valuable discounts for Costco members.
Executive members can save up to 5% on most insurance plan premiums. Further, as a Costco member, you can enjoy an exclusive Flight & Travel Accidental Death and Dismemberment benefit through Manulife Covid-19 Pandemic Travel Plan.
Executive Members receive $25,000 CAD in coverage, while Gold Star and Business Members receive $10,000 CAD.
What does Manulife travel insurance cover?
Manulife's travel insurance plans operate under the name CoverMe. Protections and benefits vary depending on travellers' profiles, desidered coverage, trip duration and destination.
Here are the main CoverMe travel insurance plans available:
- CoverMe for Travelling Canadians
- CoverMe for Visitors to Canada
- CoverMe for Students
For more information, download the PDF below:
Manulife's CoverMe offers its Single-Trip Emergency Medical Plan for travel within Canada. Enjoy the same benifits of a standard Single-Trip Emergency Medical Plan, but at 50% less than the abroad plan.
Manulife CoverMe offers medical insurance plans for non-residents visiting the country for vacation, business or to visit family. It also can help cover people living in Canads who have not yet qualified for public health insurance.
Good to know
There is also the popular Manulife Single Trip All Inclusive plan for Canadians, which includes emergency medical coverage up to $10 million, trip cancellation/interruption, baggage protection, and flight/travel accident benefits. It covers expenses such as emergency treatment, paramedical services, ambulance transportation, dental treatment, medical evacuation, and more. Conditions and limitations apply to the Manulife all inclusive insurance.
Plans exist for pre-existing medical conditions and meet the requirements for the Parent and Grandparent Super Visas.
CoverMe offers travel insurance plans for students. Canadian students studying within in Canada can save 50% on their premiums.
Benefits of Manulife travel medical insurance include:
- Accidental dental coverage up to $2,500
- Medical coverage up to $2,000,000 including physician services, annual medical and eye exams, hospitalisation and prescriptions drugs
- Tuition loss up to $5,000 per semester
| Plan name | CoverMe for Travelling Canadians | CoverMe for Visitors to Canada | CoverMe for Students |
|---|---|---|---|
| Emergency Medical | Up to $1 million | up to $150,000 | Up to $2 million |
| Baggage | up to $500 | up to $1,000 | |
| Cancellation | up to $5,000 | up to $10,000 | |
| Interruption | up to $5,000 | up to $10,000 | |
| Covid-19 |
Does Manulife travel insurance cover pre-existing conditions?
TravelEase® provided by Manulife offers emergency medical coverage for pre-existing conditions. With coverage of up to $5 million, the plan includes essential benefits such as physician services, ambulance transportation, hospitalisation, prescription drugs, and more.
It's important to note that you can apply for TravelEase coverage regardless of your age, and you have access to worldwide travel assistance 24 hours a day, 365 days a year.
Manulife Travel Insurance for seniors
Manulife plans can be altered specifically for traveling seniors, catering to their unique needs. These plans provide comprehensive medical coverage for emergency medical expenses, including hospitalization, physician fees, medications, and emergency medical transportation.
They also offer trip cancellation and interruption coverage, as well as coverage for pre-existing medical conditions, subject to certain terms and conditions. Seniors can benefit from 24/7 travel assistance services and flexible coverage options that suit their needs and budget.
Manulife generally offers coverage for travellers up to 85 years of age, but it's important to review the policy details for specific age eligibility and any applicable restrictions.
Applicants age 60 or over need to complete the Medical Questionnaire to determine their eligibility and rate category.
What's not covered by Manulife travel insurance?
It typically does not cover:
- High-risk activities like extreme sports or professional competitions.
- It doesn't cover cosmetic and elective procedures during travel.
Self-harm and injuries due to reckless behaviour aren't covered either. There are limitations on mental health conditions covered but it's best to check with a Manulife agent to get the most up-to-date information on exclusions.
How much does Manulife travel insurance cost?
The price of travel insurance depends on:
- Your age.
- Your desired coverage and otpions.
- Your deductible.
- Your waiting period.
- Your destination(s).
- The lenght of your trip.
Expert advice
Therefore it will be important to get an individual quote customised for your unique needs. Create a Manulife travel insurance login and fill in the details on the website to get more information.
You can quickly and anonymously compare prices from leading travel insurance companies using our free comparison tool below:
Compare the best travel insurance plans on the market!
How to buy a Manulife travel insurance plan?
CoverMe plans may be purchased through their website or by calling the Manulife travel insurance phone number 1-877-268-3763. You could also create a Manulife account and login on their website to get further information on plans.
You could write an email to [email protected] and request for information on plans and an agent will guide you through the process.
How to file a Manulife travel insurance claim?
You can submit your travel claim form through one of these platforms:
- Online on Manuvie's website
- By calling the assistance centre at the following Manuvie phone number: 1-888-881-8010
- Through the TravelAid mobile app
- For Manulife travel insurance for visitors to Canada outside North America, call +1 (519) 945-8346.
Good to know
To find the status of your claims, you can call 1-888-881-8013 or 1-519-945-9246.
How to cancel Manulife travel insurance?
Manulife travel health insurance policies in general can be cancelled before the departure date or within a specified period after purchasing the policy, as long as no claims have been filed during that time.
However, it's important to review your specific policy terms and conditions to understand the cancellation policy and any applicable fees or restrictions.
Specifically, you can cancel an Emergency Medical Plan (Single-Trip or Multi-Trip) at any time before the effective date of coverage. You cannot cancel an All-Inclusive Plan (Single-Trip or Multi-Trip) or a standalone Trip Cancellation & Trip Interruption Plan.
If you have already departed or filed a claim, cancelling the policy may not be possible, or there may be different procedures or requirements to follow. Contacting Manulife customer care directly will provide you with the most accurate and up-to-date information regarding your specific policy.
How to contact Manulife travel insurance?
Reach the customer care at the following Manulife travel insurance phone numbers for any queries on your policy:
- For emegency assistance call: 1-877-878-0142
- For support: 1-800-268-3763
Now that you know everything you need to in order to assess if Manulife is the best choice for you, you can compare and get quotes from other travel insurances in Canada to make the best choice.
Compare the best travel insurance plans on the market!
