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- Manulife offers multiple travel insurance options, including Single-Trip Emergency Medical, Trip Cancellation & Interruption, All-Inclusive, and Multi-Trip plans
- Pre-existing medical conditions may be covered if you meet applicable stability requirements or qualify through medical underwriting
- Manulife travel insurance includes 24/7 emergency assistance through the Manulife TravelAid app
- Trip Cancellation & Interruption plans reimburse eligible expenses if your trip is cancelled, interrupted, or delayed for a covered reason
Planning an international trip is exciting, but unexpected medical emergencies can quickly derail your plans. Manulife CoverMe travel insurance helps cover those unexpected costs with up to $10 million in emergency medical benefits for single-trip or annual multi-trip travel.
Quick review
- PolicyAdvisor ratings: 5/5
- Best for: Travellers looking for flexible travel insurance with comprehensive coverage and family-friendly pricing
- Skip if: You take frequent trips that regularly exceed 30 days, as Manulife’s annual All-inclusive plan has shorter trip duration limits than some competitors.
What is Manulife travel insurance?
Manulife CoverMe travel insurance offers a range of travel insurance plans aimed at protecting Canadians travelling outside their home province or Canada from unexpected medical emergencies and travel-related disruptions.
Depending on the travel insurance plan you choose, you can receive coverage for emergency medical expenses, trip cancellation and interruption, baggage loss or delay, travel accidents, and other eligible travel-related expenses
Manulife CoverMe travel insurance: At a glance
| Feature | Details |
| Plans available |
|
| Age eligibility | 30 days to 84 years for most plans (eligibility varies by plan) |
| Maximum emergency medical coverage | Up to $10 million (depending on plan) |
| Trip cancellation & interruption | Included with All-Inclusive plans or available as a standalone Trip Cancellation & Interruption plan |
| Travel accident coverage | Included with eligible All-Inclusive and Non-Medical Inclusive plans |
| Family coverage | Available on eligible Emergency Medical, All-Inclusive, and Non-Medical plans for qualifying families under age 60 |
| Pre-existing coverage | Covered if eligible, subject to 3 to 6 months of stability for Emergency Medical coverage (varies by age and plan) |
Types of travel insurance plans offered by Manulife
Manulife CoverMe offers a wide range of travel insurance plans for travelling Canadians. Whether you’re taking a single vacation or travelling multiple times a year, the insurer offers plans designed for different travel needs and budgets.
Here’s an overview of different Manulife travel insurance plans:
Medical plans
Medical plans help Canadians protect themselves against emergency medical expenses while travelling. Depending on your travel frequency and medical history, Manulife offers three different plans to choose from:
- Single-Trip Emergency Medical Plan
- Multi-trip Emergency Medical Plan
- TravelEase® Plan for Pre-Existing Conditions
Here’s a quick comparison of the two single-trip medical plans offered by Manulife CoverMe travel insurance:
| Feature | Single-Trip Emergency Medical Plan | Multi-trip Emergency Medical | TravelEase Plan for Pre-Existing Conditions |
| Emergency medical coverage | Up to $10 million | Up to $10 million | Up to $10 million |
| Pre-existing conditions | Covers stable pre-existing conditions (3- or 6-month stability period, depending on your rate category) | Covers stable pre-existing conditions (3- or 6-month stability period, depending on your rate category) | Covers eligible conditions approved through medical underwriting |
| Trip duration | Up to 365 days | Unlimited trips per year (4, 10, 18, 30, or 60 days per trip) | Single-Trip (up to 365 days) or Multi-trip (10- or 18- day options) |
| Accidental dental | Up to $3,000 for accidental dental and $300 for pain relief | Up to $3,000 for accidental dental and $300 for pain relief | Up to $3,000 for accidental dental and $300 for pain relief |
| Child care expenses | $75/day, up to $500/trip | $75/day, up to $500/trip | Not available |
| Meals & accommodation during a medical emergency | $350 per day, to a maximum of $3,500 | $350 per day to a
maximum of $3,500 |
$200 per day, to a maximum of $2,000 |
| Government Health Travel Advisory (GHTAC) Rider | Available | Not available | Not available |
Non-medical plans
Manulife also offers non-medical plans to travellers who already have medical insurance or only want protection for trip cancellations, baggage, and travel disruptions.
Manulife offers the following plans:
- Trip Cancellation & Interruption
- Non-Medical Inclusive
Here’s a quick comparison of the two single-trip non-medical plans offered by Manulife CoverMe travel insurance:
| Feature | Trip Cancellation & Interruption | Non-Medical Inclusive |
| Trip cancellation | Up to the selected insured amount | Up to the selected insured amount |
| Trip interruption | $800, $1,500, or Unlimited (depending on the selected plan) | Unlimited |
| Misconnection & travel disruption | Up to $1,700 | Up to $2,700 |
| Trip duration | Up to 365 days | Up to 365 days |
| Delayed return | $150/day, up to $1,500 | $350/day, up to $3,500 |
| Baggage loss & damage | Not included | Up to $1,500 |
| Baggage delay | Not included | Up to $500 |
| Flight & travel accident | Not included | Up to $100,000 (flight accident) and $50,000 (travel accident) |
| Cancel for Any Reason (CFAR) Rider | Available (up to 50% of the prepaid portion of your trip that is non-refundable) | Available (up to 50% of the prepaid portion of your trip that is non-refundable) |
All-inclusive plans
All-inclusive plans combine medical and non-medical plans to offer a comprehensive package that covers emergency medical coverage alongside trip interruption, baggage, travel delay, and other non-medical benefits.
Depending on the frequency of your travel, Manulife offers the following All-Inclusive plans:
- Single Trip All-Inclusive Plan
- Multi-Trip All-Inclusive
Here’s a quick comparison of the two All-inclusive plans offered by Manulife CoverMe travel insurance:
| Feature | Single Trip All-Inclusive | Multi Trip All-Inclusive |
| Emergency medical coverage | Up to $10 million | Up to $10 million per trip |
| Trip cancellation & interruption | Included | Included |
| Baggage coverage | Up to $1,500 | up to $1,500 |
| Travel accident coverage | Up to $100,000 (flight accident) and $50,000 (travel accident) | Up to $100,000 (flight accident) and $50,000 (travel accident) |
| Emergency dental | Up to $3,000 accidental dental | Up to $3,000 accidental dental |
| Trip duration | Age 0‑59: Up to 365 daysAge 60‑74: Up to 60 days
Age 75+: Up to 45 days |
Multiple trips annually (4, 10, 18, or 30 days per trip) |
| Government Health Travel Advisory (GHTAC) Rider | Available | Not available |
| Cancel for Any Reason (CFAR) Rider | Available | Not available |
Note: Manulife also offers Youth All-Inclusive and Youth Deluxe All-Inclusive plans for travellers aged 29 and under. The Youth All-Inclusive plan covers trips of up to 365 days, while the Youth Deluxe All-Inclusive plan covers trips of up to 30 days. These plans provide discounted comprehensive travel insurance with emergency medical and non-medical coverage, making them a cost-effective option for eligible young travellers.
Pros and Cons of Manulife CoverMe Travel Insurance
Does Manulife offer family travel insurance?
Yes, Manulife offers family coverage on eligible travel insurance plans for Canadians. The insurer offers a family coverage option on Single-trip Emergency Medical, Single-trip All-Inclusive, Non-Medical Inclusive, and Multi-trip Emergency Medical plans. You can insure eligible family members under a single policy if they meet the plan’s requirements.
To be eligible for Manulife’s Family Coverage option:
- All family members must be named on the policy confirmation
- Insured family members must be under 60 years of age
- You must meet all of the plan’s eligibility requirements when purchasing the policy
- The family premium must be paid
- For Single-trip and Non-Medical Inclusive plans, family members must travel together
Who is eligible for Manulife CoverMe travel insurance?
Canadian residents with active provincial or territorial health coverage, at least 30 days of age, travelling outside their home province or outside Canada, and who meet the requirements for Manulife are eligible for the travel insurance plans. However, coverage eligibility, age restrictions, medical stability requirements, and policy exclusions vary by plan and chosen riders.
Here’s an overview of the general eligibility requirements for the different Manulife CoverMe travel insurance plans:
| Plan | Medical questionnaire | Key eligibility requirements |
| Emergency Medical |
|
Stable pre-existing conditions may be covered (subject to the applicable stability period) |
| TravelEase® Plan for Pre-Existing Conditions |
|
Medical underwriting required
|
| Trip Cancellation & Interruption | Not required |
|
| Non-Medical Inclusive | Not required |
|
| All-Inclusive |
|
|
Note: Refer to the policy wording for the full list of eligibility requirements, exclusions, and limitations.
Who is not eligible for Manulife travel insurance?
While Manulife CoverMe travel insurance is available to many Canadian travellers, certain restrictions related to health and travel can prevent applicants from getting coverage under Manulife travel insurance or require medical underwriting, depending on the plan you choose.
You may not be eligible for Manulife travel insurance under the following circumstances:
- Have been advised by a physician not to travel.
- Have been diagnosed with a terminal illness with a life expectancy of less than six months.
- Have a kidney condition that requires dialysis.
- Have used home oxygen for a lung condition within the 12 months before applying for insurance.
- Are 60 years of age or older and do not meet the eligibility requirements in the required medical questionnaire for applicable plans (such as Multi-trip All-Inclusive)
Additionally, medical underwriting plans, such as TravelEase®, have the following restrictions:
- Awaiting investigative tests or treatment for an unresolved medical condition (excluding genetic tests)
- Require kidney dialysis or prescribed home oxygen for a lung condition within 12 months before applying
- Had or are awaiting an organ, stem cell, or bone marrow transplant
- Have metastatic cancer or a terminal illness with a life expectancy of less than six months
How much does Manulife travel insurance cost?
The cost of Manulife CoverMe travel insurance ranges between $137.10 and $1,455.90, based on the stability of any pre-existing condition. Additionally, your premium depends on your plan, duration, and the riders you select with your policy.
Here’s a sample travel insurance premium for a traveller on a trip for 15 days:
| Age | Coverage amount | Single-trip plan (with pre-existing) |
| 25 | $10,000,000.00 | $137.10 |
| 35 | $148.50 | |
| 45 | $164.10 | |
| 55 | $188.10 | |
| 65 | $256.80 – $652.80* | |
| 75 | $574.20 – $1,455.90* |
Disclaimer: Illustrative premiums for multi-trip annual Emergency Medical plans ($10 million coverage). Actual premiums may vary based on age, destination, trip duration, health, deductible, and other factors.
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Are there any exclusions or limitations to Manulife travel insurance?
While the plans offer comprehensive emergency coverage, certain conditions and situations like medical tourism, high-risk activities, and substance abuse are excluded or limited under the policy.
Here’s an overview of the general exclusions and limitations of Manulife CoverMe travel insurance:
| Exclusion category | What you need to know |
| Unstable pre-existing medical conditions | Medical conditions that do not meet the applicable stability requirements or are not approved through Medical Underwriting may not be covered. |
| Medical tourism & planned treatment | Travel undertaken primarily to obtain medical treatment, surgery, or healthcare services is excluded. |
| Unapproved medical expenses | Certain services, including medical evacuations, transportation, surgeries, and some diagnostic tests, require prior authorization from the Assistance Centre. |
| Alcohol, drugs & substance misuse | Claims arising from excessive alcohol consumption, intoxication, illegal drug use, or misuse of medication are not covered. |
| Mental health | Treatment related to mental, emotional, or psychiatric disorders is limited and subject to the terms and exclusions of the policy. |
| Pregnancy & childbirth | Routine prenatal care, normal childbirth, and pregnancy-related expenses beyond the limits specified in the policy are generally excluded. |
| High-risk activities & sports | Injuries resulting from certain hazardous occupations, extreme sports, or high-risk recreational activities may not be covered. |
| Illegal or intentional acts | Claims resulting from criminal acts, intentional self-inflicted injuries, attempted suicide, or participation in unlawful activities are excluded. |
| Travel against medical advice | Coverage is not available if you travel against the advice of a physician or when travel is medically prohibited |
| Known or foreseeable events | Claims arising from situations, medical conditions, or events that were known or reasonably foreseeable before purchasing the policy are not covered. |
| Government travel advisories | Coverage may be limited or excluded when travelling to destinations subject to certain Government of Canada travel advisories unless your policy includes an applicable Government Travel Advisory Rider. |
Note: This list summarizes the most common exclusions found across Manulife travel insurance plans. Coverage varies by plan and policy wording, so it is recommended to refer to your policy for the complete list of exclusions, limitations, and definitions.
How to file a claim with Manulife travel insurance?
If you experience a medical emergency or another covered loss during your trip, contact the Manulife Assistance Centre as soon as possible to begin the claims process. All CoverMe plans offer support through the Manulife TravelAid app, online, or by mail
Here’s how you can file a claim with Manulife during your trip:
- Contact the Assistance Centre immediately: You can contact the Assistance Centre in Canada and the United States at 1-888-881-8010 and internationally at +1-519-945-8346; failure to notify the Assistance Centre within 24 hours may result in you being responsible for 25% of eligible expenses
- Obtain pre-approval: You must obtain prior authorization for certain medical services and benefits through the Assistance Centre. If pre-approval is not obtained, your claim may not be covered
- Submit your claim: You can submit your claim using the Manulife TravelAid mobile app, online at manulife.acmtravel.ca, or by mailing your completed claim form
- Gather supporting documents: You may need to submit itemized medical bills, payment receipts, and other documents; keep them handy and submit them when requested
- Submit proof of claim: Submit all claim documentation within 90 days of the illness or injury, and expenses must be submitted to Manulife within 12 months of the date of the last eligible expense
Can you cancel or get a refund on Manulife travel insurance?
Yes, Manulife CoverMe travel insurance allows policy cancellations and refunds under certain conditions. It depends on whether coverage has started, whether a claim has been filed, and the reason for cancellation.
Here is the Manulife travel insurance refund policy at a glance:
| Situation | Refund Eligibility |
| Cancelled within 10 days of purchase | Full refund under the 10-day Free Look period if you have not departed on your trip and no claim(s) are in progress |
| Changed your mind after purchasing | Eligible for a full refund if you cancel before the policy’s effective date, provided you have not departed on your trip or incurred a claim. |
| Return home earlier than planned | You may become eligible for a refund of the unused premium if you return home before your scheduled return date, provided no claim has been paid or is pending (subject to the policy terms and minimum retained premium) |
| Policy is no longer required | If coverage has already started, refunds are generally only available under the circumstances specifically outlined in the policy (such as an early return), provided no claim has been made. |
| Claim submitted or paid | Not eligible. Once a claim has been paid or is pending under the policy, no refund of premium is available. |
| Policy cancelled after coverage begins | Refunds are only available for eligible unused coverage as described in the policy. Manulife may request additional documents before processing your refund |
Note: Refer to the policy wording for the complete refunds terms, conditions, and eligibility requirements.
Can you extend Manulife travel insurance coverage?
If your trip lasts longer than originally planned, you may be able to extend or top up your Manulife travel insurance coverage before your policy expires. However, extensions are subject to approval and must meet all necessary eligibility requirements.
Here’s what you need to know about extending your Manulife CoverMe travel insurance policy:
- Request an extension before your policy expires: Contact Manulife before your coverage end date to request an extension. You cannot extend your coverage after your policy expires
- Remain eligible for coverage: You must still meet the policy’s eligibility requirements at the time of the extension request. Depending on the plan, you may also need to confirm that there has been no change in your health
- Purchase top-up coverage (Multi-trip plans): If your trip exceeds your plan’s maximum trip duration or extends beyond the policy expiry date, you may purchase top-up coverage for the additional travel days by contacting Manulife
- Receive confirmation of your new coverage period: Your policy extension is not effective until Manulife approves the request and issues confirmation of the revised expiry date
How does Manulife compare to other travel insurance providers?
While many of Canada’s leading travel insurers offer similar emergency medical and trip cancellation coverage, Manulife stands out for its broad range of travel insurance plans, high emergency medical coverage limits, and options for different types of travellers.
With up to $10 million in emergency medical coverage and specialized coverage for eligible travellers with pre-existing medical conditions through its TravelEase® plans, Manulife offers comprehensive coverage options for travellers with different needs. The 24/7 emergency assistance, TravelAid mobile app, and top-up options also offer beneficial support to Canadians visiting different countries.
For a detailed comparison of the best travel insurance plans, check out our list of the Best travel insurance companies in Canada
Our advisor’s take on Manulife travel insurance
At PolicyAdvisor, we recently helped a 45-year-old Canadian planning several international vacations over the next year. They wanted a travel insurance plan that would provide comprehensive emergency medical protection while also covering trip cancellations, baggage issues, and travel delays. Since they were planning multiple trips, they were seeking a plan that offered flexibility and value.
The client profile
- Age: 45 years old
- Purpose of travel: Multiple international leisure trips throughout the year
- Primary concern: Comprehensive coverage for medical emergencies and travel disruptions under one policy
- Coverage needed: Multi-trip All-Inclusive plan with 30-day coverage per trip
Why we recommend Manulife travel insurance
We recommended the plan because it includes:
- Up to $10 million emergency medical coverage for eligible unexpected illnesses and injuries while travelling
- Comprehensive protection for trip cancellations, interruption benefits, baggage loss or delay, and travel accidents
- 24/7 emergency travel assistance through the Manulife Assistance Centre and TravelAid app
- Optional top-up coverage for trips exceeding the selected maximum trip duration
How to purchase Manulife travel insurance in Canada?
PolicyAdvisor’s licensed advisors can help you compare Manulife travel insurance plans based on your travel destination, trip duration, age, health history, and coverage needs. Our advisors can help you compare plans from leading travel insurance providers and choose a plan that best fits your travel needs.
Whether you are heading abroad for a vacation or planning multiple trips throughout the year, our advisors at PolicyAdvisor can guide you through Manulife’s coverage options and policy limits to help you purchase the right travel insurance.
Call 1-888-601-9980 to speak to our licensed advisors right away, or book some time with them below.
Frequently Asked Questions
Does Manulife travel insurance cover pre-existing medical conditions?
Yes, some Manulife CoverMe travel insurance plans cover eligible stable pre-existing medical conditions if you meet the applicable stability requirements. Travellers with certain pre-existing medical conditions may also qualify for coverage through Manulife’s TravelEase® for Pre-Existing Conditions plan.
Does Manulife travel insurance cover trip cancellation?
Yes, trip cancellation coverage is available through Manulife’s Trip Cancellation & Trip Interruption and All-Inclusive plans. Benefits are payable if you cancel or interrupt your trip for a covered reason as per the policy.
How much travel medical coverage does Manulife provide?
Coverage limits vary by plan. Depending on the policy you purchase, Manulife offers emergency travel medical coverage of up to $10 million for eligible medical emergencies while travelling.
Does Manulife travel insurance cover baggage loss or delays?
Yes, but only under plans that include travel benefits, such as the All-Inclusive and Non-Medical Inclusive plans.
Does Manulife offer Cancel for Any Reason (CFAR) coverage?
Yes. Manulife offers an optional Cancel for Any Reason (CFAR) Rider with eligible Single-Trip All-Inclusive, Trip Cancellation & Trip Interruption, and Non-Medical Inclusive plans. The rider reimburses up to 50% of your eligible non-refundable prepaid trip costs if you cancel for a reason that is not otherwise covered by the policy.
Manulife offers popular travel insurance plans such as Single-trip Emergency Medical, Multi-trip Emergency Medical, All-Inclusive, and Trip Cancellation & Trip Interruption coverage to protect travellers against unexpected medical expenses and travel disruptions. With up to $10 million in emergency medical coverage, these plans are designed for occasional travellers, frequent flyers, and families travelling outside Canada.
