Manulife Insurance

Manulife is one of Canada's largest and most trusted insurance companies, serving Canadians for over 135 years. Through a licensed insurance broker, you can compare and purchase Manulife insurance plans covering a wide range of needs: travel insurance for Canadians (8 plans including dedicated Youth and Non-medical options), visitors to Canada insurance (3 tiers: Basic, Standard, Enhanced), student insurance (3 plans for international, outbound, and national students), and supplemental health insurance for individuals and families without employer group benefits. All October 2023+ policy wordings reflect Manulife's current product line.

Manulife product line available through a licensed insurance broker (effective October 2023):

Manulife Travel Insurance

Manulife Travel Insurance for travelling Canadians (effective October 2023) is designed for Canadian residents covered under a government health insurance plan (GHIP) who travel outside their home province or outside Canada. Eight plans are now available, including dedicated Youth plans for travellers under age 30 and a non-medical option for travellers who already have separate medical coverage. Emergency medical coverage reaches up to $10 million CDN under the main plans. Travellers under 60 are guaranteed issue at Rate Category A with no medical questionnaire; travellers 60+ complete a medical questionnaire to determine their Rate Category (A: 3-month stability rule; B & C: 6-month).

Available plans

• Single-Trip Emergency Medical — Up to $10M for a single trip of any length (top-ups available).
• Single-Trip All-Inclusive — Up to $10M emergency medical + trip cancellation/interruption (covered amount you select) + baggage ($1,500) + Flight Accident ($100K) + Travel Accident ($50K).
• Multi-Trip Emergency Medical — Annual plan, 4, 10, 18, or 30 days per trip; ages 30 days to 85.
• Multi-Trip All-Inclusive — Annual all-inclusive; trip cancellation $1,500 or $2,500 per trip (max $10,000/year); same baggage and accident benefits as Single-Trip AI.
• Youth All-Inclusive — Under age 30; up to 365 days per trip; $1M emergency medical; $5,000 trip cancellation max.
• Youth Deluxe All-Inclusive — Under age 30; up to 30 days per trip; $5M emergency medical; $10,000 trip cancellation max; chaperone coverage available.
• Non-medical Inclusive — No emergency medical; Trip Cancellation, unlimited Trip Interruption, Misconnection ($2,700), Flight Accident ($100K), Travel Accident ($50K), Baggage.
• Trip Cancellation & Interruption — Standalone TC&I (covered amount you select); all ages.

Manulife Visitors to Canada Insurance

Manulife Visitors to Canada Insurance (effective October 2023) provides emergency medical coverage for people who are not enrolled in a Canadian provincial health plan — including visitors, immigrants and permanent residents awaiting provincial coverage, work permit holders, Super Visa applicants and holders, foreign students, and Canadians returning home after a long absence. Three plan tiers match different health profiles and budgets: Basic, Standard, and Enhanced.

Available plans

• Basic Plan — Most affordable; designed for healthy, price-conscious travellers. No pre-existing condition coverage at all. No dental, no AD&D. No age cap (15-day waiting period for age 86+).
• Standard Plan — Covers travellers with no recent medical treatment. Excludes any pre-existing condition that received treatment or medication in the 180 days before the effective date. Includes emergency dental ($4,000 + $300 acute) and AD&D ($25K / $12.5K). Up to age 85 (86+ not eligible). No medical declaration required.
• Enhanced Plan — Most comprehensive; the typical Super Visa choice. Uses the standard 180-day stability rule — stable pre-existing conditions may be covered. Includes all Standard benefits. Medical declaration required for ages 55–85.

Manulife Policy for Students

Manulife Policy for Students (effective October 2023) provides up to $2,000,000 in emergency medical and accidental dental coverage for full-time students at least 30 days of age and under age 45. Three plan variants cover the three student situations, all sharing the same Schedule of Benefits. Family coverage (spouse + children) is available at 2× the rate for the oldest parent. Coverage runs for up to 365 days, starting up to 30 days before the school year begins and ending up to 60 days after it ends.

Available plans

• For international students studying in Canada — Inbound students temporarily living in Canada (Canada is not their home country); coverage ends if they become insured under a Canadian GHIP.
• For Canadians studying outside of Canada — Outbound Canadian students studying abroad; must maintain GHIP from home province for entire duration outside Canada.
• For Canadians studying in another province or territory — National Canadian students; must be covered under GHIP from their home province throughout their stay.

Manulife Health Insurance

Manulife offers two supplemental health insurance products for individuals and families who don't have employer group coverage. Both plans include optional Manulife Vitality — a healthy-living rewards program that can reduce premiums by up to 10%.

Manulife Flexcare

Flexcare is a customizable individual and family health plan with modular coverage — choose the combination that fits your needs and budget. The Starter ComboPlus plan is guaranteed issue with no medical questions. Higher tiers (Basic, Enhanced) add richer drug, dental, and paramedical benefits. Standalone DrugPlus and DentalPlus modules are also available.

• ComboPlus Starter — Guaranteed issue; basic drug, dental, and extended health
• ComboPlus Basic — Broader drug formulary, higher paramedical limits
• ComboPlus Enhanced — Maximum drug and dental benefits, vision care
• DrugPlus — Standalone prescription drug coverage
• DentalPlus — Standalone dental coverage

Manulife FollowMe

FollowMe is designed for people who are losing their employer group health plan — through job change, retirement, or layoff. Apply within 90 days of your group coverage ending for guaranteed acceptance with no medical underwriting. Choose from four coverage tiers to match your previous group plan level.

• Basic — Core prescription drug and dental coverage
• Enhanced — Adds vision, paramedical, and higher drug limits
• Enhanced Plus — Broader dental (major restorative) and extended health benefits
• Premiere — Maximum coverage across all categories

Manulife Travel Assistance — emergency phone numbers

Manulife uses different Assistance Centre numbers for each product line. Call before any emergency treatment so the Centre can confirm coverage and pre-approve treatment. Failure to call results in a co-payment on covered claim costs.

You can also access the Assistance Centre and submit claims via the Manulife TravelAid mobile app (Google Play / Apple App Store) or online at manulife.acmtravel.ca. General Manulife customer service: 1-800-268-3763.