Manulife Travel Insurance Review 2024 + Get free quote

Travel insurance, while not mandatory for all destinations, is nonetheless very important. It protects you against all the uncertainties that may arise during a trip (cancellations, lost luggage, theft, illness...) and against unexpected financial losses. Manulife Travel Insurance, offered by Canada's largest insurance company, provides comprehensive and customizable travel insurance plans to ensure you travel without hassle.

But what does Manulife travel insurance cover? What plans does it offer? What does a Manulife travel insurance plan cost? Do you get Covid-19 coverage? What are the claim procedures? Find out all the answers in our detailed Manulife Travel Insurance review.

Our 2024 Manulife Travel Insurance Canada Review

Manulife Travel Insurance Canada stands out with a wide range of coverages, suitable for various types of travellers, including Canadians, visitors to Canada, and students. It offers emergency medical care up to $10 million, including emergency medical expenses related to COVID-19, one of the highest coverages on the market, surpassing offers like CAA travel insurance ($5 million).

In addition to medical care, Manulife provides coverage for lost baggage up to $1,500, flight accident coverage up to $100,000, and travel accident coverage up to $50,000.

Manulife offers notable flexibility with single or annual coverage options, allowing insureds to choose the plan that best suits their needs. Online application is possible, simplifying the enrollment process. Additionally, you have access to Manulife's travel assistance at all times and anywhere, offering 24/7 support worldwide.

Another advantage is the full refund of medical care plans before the effective date if the insured changes their mind, and a 50% discount on certain plans when traveling within Canada.

In summary, Manulife travel insurance stands out with its extensive coverage, flexible subscription, and practical services like online submission and 24/7 assistance. It is particularly recommended for travellers seeking maximum protection and additional services for peace of mind during their trips.

If Manulife's travel insurance offer interests you, you can get an online quote via our partner link:

If you prefer to compare Manulife quotes with other top Canadian travel insurance quotes, use our free online comparator. You get instant results and quotes from multiple providers so you can get the best deal.

Compare the best travel insurance plans on the market!

Get a quote

What Does Manulife Travel Insurance Cover?

Here are the covered and non-covered benefits depending on the Manulife travel insurance plans:

Coverage	Single Trip	Single Trip All Risks	Multiple Trips	Multiple Trips All Risks	Trip Cancellation and Interruption
Emergency Medical Care (up to $10,000,000)
Trip Cancellation and Interruption
Lost, Damaged, or Delayed Baggage
Flight and Travel Accident

Manulife Travel Insurance offers various plans tailored to your traveller profile, destination, and trip duration. Below are the details of the different travel insurance plans offered by Manulife:

Manulife Travel Insurance for Canadians

With the Manulife travel insurance plan for Canadians, you can choose to be covered for the damages that concern you the most.

• Emergency Medical Care: Medical expenses are covered up to $10 million. This includes physician care, ambulance services, hospitalization, prescription drugs, etc.
• COVID-19: Manulife offers this coverage to Canadians travelling abroad. You are covered for emergency medical care for COVID-19-related health issues up to $1,000,000 CAD per insured. If you have received full immunization for COVID-19 as authorized by Health Canada before your effective date, you benefit from coverage up to CAD 5,000,000 for COVID-19-related expenses.
• Emergency Medical Care for Non-COVID-19 Issues: Coverage up to CAD 5,000,000 per insured.
• Trip Interruption Due to Quarantine: Coverage up to $200 per insured person per day for additional and unexpected meal and accommodation expenses in a commercial establishment, up to $2,800 if you must isolate or quarantine unexpectedly. The maximum family coverage is $400 per insured family per day, up to $5,600.
• Trip Cancellation and Interruption: For standalone plans, coverage up to the insured amount with a maximum of $20,000 per trip.
  • For Single Trip All Risks plans, up to $3,500 per trip.
  • For Multiple Trip All Risks plans, up to $3,500 per trip and $6,000 per policy.
• All Risks: The All Risks travel insurance plan covers the following risks: emergency medical care; trip cancellation and interruption; lost, damaged, and delayed baggage; and flight and travel accidents.

Benefits of the Manulife Travel Insurance Plan for Canadians

• No medical questionnaire is required before age 60.
• Same protection for your children travelling with you.
• 50% discount when subscribing to an Emergency Medical Care – Travel in Canada plan.
• Access to customer service worldwide, 24/7.
• Online submission.

Manulife Travel Insurance for Students

With the Manulife travel insurance plan for students, you are covered for:

• Medical Expenses: Coverage up to $2,500 for emergency dental treatments and $2,000,000 for services including physician care, annual evaluations (medical exam and eye exam), hospitalization, prescription drugs, etc.

Benefits of the Manulife Travel Insurance Plan for Students

• Coverage for temporary travel interruptions up to 60 days without policy termination.
• Tuition loss protection up to $5,000 per semester.
• Up to 50% savings on premiums if you are a Canadian student studying in Canada.
• Possibility to extend this plan to your family.
• Coverage can be subscribed to in advance, up to 120 days before the start of the course.
• Access to 24/7 travel assistance worldwide.

Manulife Travel Insurance for Visitors to Canada

With the Manulife travel insurance plan for visitors to Canada, you are covered for:

• Medical Expenses: Coverage up to $150,000 if under 70 years old, and up to $100,000 CAD if 70 or older. This includes physician care, ambulance services, hospitalization, prescription drugs, etc.
• Trip Interruption: Coverage up to $1,500 for individual coverage and up to $5,000 for family coverage.

Benefits of the Manulife Travel Insurance Plan for Visitors to Canada

• Access to 24/7 travel assistance worldwide.
• Meets insurance requirements for obtaining a super visa for parents and grandparents.
• Coverage for secondary trips from Canada or temporary returns to the home country without policy termination.
• Travel Accident Insurance included, covering loss of sight, limb, or accidental death, up to $50,000.

Two Plan Options for Visitors to Canada

• Plan A: No medical questionnaire is required at the time of subscription.
• Plan B: Coverage for pre-existing health conditions that were stable in the 180 days before subscription.

Manulife Coverme Travel Insurance Coverage Details

You can download the free PDFs below to view the entire Manulife Travel Insurance policy details for Canadians.

What is the Cost of Manulife Travel Insurance in 2024?

The cost of travel insurance depends on various criteria:

• Traveller profile (student, snowbird, expatriate, family, etc.)
• Age
• Destination
• Type of travel insurance (annual, single trip)
• Options added to the policy (cancellation, COVID-19 coverage, etc.)
• Duration of coverage

Here are some sample Manulife travel insurance quotes:

Traveler Profile	Manulife Travel Insurance Cost
49-year-old to the USA / All Risks Plan / Single Trip	$206
49-year-old to the USA / Medical Coverage / Single Trip	$51
49-year-old to the USA / Medical + $1,000 Cancellation / Single Trip	$103.55
Student in Ontario	$194.40
70-year-old to Florida for 4 months / All Risks Plan / Single Trip	$1,759.09

You must get personalized quotes based on your profile You can get instant quotes from our partner Manulife in just a few seconds.

Single Trip or Annual Travel Insurance: What should you take?

With Manulife, you can subscribe to:

• Single Trip Travel Insurance: Coverage for a limited time.
• Annual Travel Insurance: Coverage for multiple trips within a year.

Single Trip Travel Insurance

Manulife offers two categories of single-trip insurance:

• Simple Single Trip:
  • Emergency medical coverage up to $10,000,000.
  • Terrorism protection (includes emergency medical, trip cancellation, and interruption).
• All Risks Single Trip:
  • Comprehensive coverage including simple single trip benefits plus:
    • Trip cancellation and interruption.
    • Lost, damaged, or delayed baggage.
    • Flight and travel accidents.
  • The premium is based on your profile and the number of days of the trip.

Annual Travel Insurance

The annual multi-trip insurance can be very convenient if you travel often. You subscribe to one travel insurance contract for the whole year and are covered for an unlimited number of trips, provided you respect the maximum number of days allowed per trip.

Manulife offers two categories of multiple trips

• Simple Multiple Trips:
  • Possible durations: 4, 10, 18, 30, or 60 days (additional insurance for longer trips).
  • Emergency medical coverage up to $10,000,000.
  • Terrorism protection (includes emergency medical, trip cancellation, and interruption).
• All Risks Multiple Trips:
  • Possible durations: 4, 10, 18, or 30 days (additional insurance for longer trips).
  • Comprehensive coverage including simple multiple trips benefits plus:
    • Trip cancellation and interruption.
    • Lost, damaged, or delayed baggage.
    • Flight and travel accidents.
  • Optional add-ons and extensions are available up to the maximum duration if requested before departure.

Does Manulife Travel Insurance Cover COVID-19?

Yes, Manulife offers protection against COVID-19. There is a special plan created by Manulife for COVID-19 protection called the "COVID-19 Pandemic Travel Plan."

This plan includes:

• Emergency Medical Care for COVID-19: Up to $1,000,000 CAD per insured. If you have received full immunization for COVID-19 as authorized by Health Canada before your effective date, you benefit from coverage up to CAD 5,000,000.
• Trip Interruption Due to Quarantine: Up to $200 per insured person per day for additional and unexpected meal and accommodation expenses in a commercial establishment, up to $2,800 if you must isolate or quarantine unexpectedly. The maximum coverage for a family is $400 per insured family per day, up to $5,600.

How to Reach Manulife Travel Insurance Contact?

You can contact Manulife travel insurance using the following details:

Communication Method	Manulife Contact Details
Phone	1 800 268-3763 (Mon-Fri 8:30 AM - 5 PM ET)
Email	[email protected]
Mailing Address	Manulife, PO Box 670 STN Waterloo, Waterloo, Ontario, N2J 4B8
Website	manulife.ca
In Person	At your local Manulife branch

Alternatively, you can get a travel insurance quote from Manulife directly through our partner link:

How to File a Manulife Travel Insurance Claim?

To file a claim for Manulife travel insurance, follow these steps:

1. Create and register your account on the Manulife client portal.
2. Open your account and create your claim.
3. Add your insurance policy number.
4. Select your claim type and enter claimant information.
5. Complete the attestation and authorization section.
6. Fill in the claim details and attach supporting documents.

Modifying Your Manulife Travel Insurance Contract

To modify your Manulife travel insurance contract, complete the relevant forms depending on the type of modification needed. Forms include:

• Beneficiary Change Form
• Coverage Modification Request Form
• Pre-authorized Debit Plan Establishment or Modification Form

Send the completed forms by mail or fax to the appropriate address:

In Quebec: 2000, rue Mansfield
Bureau 1310
Montreal, Quebec H3A 3A1
Fax: 1-877-271-5494

For other provinces: 500 King Street North
P.O. Box 1669
Waterloo, Ontario N2J 4Z6
Fax: 1-877-763-8834

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.

With Manulife Costco travel insurance, Executive Members receive $25,000 in coverage, while Gold Star and Business Members receive $10,000.

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, hospitalization, 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 Coverme travel insurance plans can be altered specifically for travelling 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 on the Manulife travel insurance phone number 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 aged 60 or over need to complete the Medical Questionnaire to determine their eligibility and rate category.

What's not covered by Manulife Coverme 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 to buy a travel insurance plan from Manulife?

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 to their website to get further information on plans.

You could write an email to [email protected] and request information on plans and an agent will guide you through the process.

How to cancel Manulife travel insurance?

To cancel your Manulife travel insurance contract, send the redemption form by mail to one of the following addresses:

In Quebec: 2000, rue Mansfield
Bureau 1310
Montreal, Quebec H3A 3A1
Fax: 1-877-271-5494

For other provinces: 500 King Street North
P.O. Box 1669
Waterloo, Ontario N2J 4Z6
Fax: 1-877-763-8834

Manulife travel 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.

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.