Manulife Travel Insurance

Manulife Travel Insurance for Travelling Canadians is designed for Canadian residents travelling outside their home province or outside Canada. It provides up to $10,000,000 in emergency medical coverage, with optional trip cancellation and interruption, baggage, and flight and travel accident protection. Plans are available as single-trip or multi-trip annual with no maximum age limit. Travel insurance plans are underwritten by The Manufacturers Life Insurance Company and First North American Insurance Company (FNAIC), a wholly owned subsidiary of Manulife, and are available across Canada through OnVoyage, a licensed insurance broker.

Available Plans

Emergency Medical Benefits

• Emergency medical coverage up to $10,000,000
• Hospital, physician, and diagnostic services
• Licensed ground and air ambulance transportation
• Paramedical services up to $700 (chiropractor, osteopath, physiotherapist, podiatrist)
• Emergency dental: up to $300 for pain relief; up to $3,000 for accidental blow
• Bringing someone to your bedside
• Childcare expenses up to $75 per day
• Return home of travel companion
• Return of vehicle to your home address (up to $3,000)
• Return to original trip destination after hospitalization (up to $5,000)
• Hospital allowance for private room (up to $300)
• Pet return (up to $500)
• Trip break to return home during policy period
• Telephone call expenses
• Terrorism coverage ($35,000,000 aggregate maximum)
• Automatic extensions: 72 hours if carrier delayed; 5 days or full hospitalization period if medically unable to travel

Optional Coverages (All-Inclusive and Standalone)

Trip Cancellation & Interruption

• Standalone plan: up to $20,000 per trip (select coverage amount at purchase)
• All-Inclusive plans: up to $3,500 per trip / $6,000 per policy (multi-trip)
• Covers non-refundable trip costs due to covered reasons (illness, death, natural disaster, etc.)
• Pre-existing conditions not covered for TC&I if the condition was not stable during the 3 months prior to purchase
• Terrorism coverage: $2,500,000 maximum aggregate

Baggage Loss, Damage & Delay (All-Inclusive plans)

• Loss or damage: $1,000 per trip and $3,000 per policy
• Baggage delay: $500 per trip and $1,500 per policy

Flight & Travel Accident (All-Inclusive plans)

• Double dismemberment: $100,000 (Single-Trip All-Inclusive) / $50,000 (Multi-Trip All-Inclusive)
• Single dismemberment: $50,000 (Single-Trip AI) / $25,000 (Multi-Trip AI)

Pre-existing Conditions

A pre-existing condition is covered if it was stable during the required period before your departure date. "Stable" means no new symptoms, no change in medication dosage or type, no new treatment prescribed, and no pending test results for that condition.

Savings & Features

• Travel Canada discount: 50% off Single-Trip Emergency Medical for travel within Canada (outside home province). Cannot be combined with an optional deductible.
• Travel Companion discount: 5% savings when two travellers purchase together. Cannot be combined with family rate.
• Family rate: Available for travellers under 60. 1 parent/grandparent with dependent child(ren) = 1.5× eldest; 2 parents = 2× eldest; up to 4 parents/grandparents = 3× eldest.
• Optional medical deductibles (Emergency Medical plans only): $500 (save 10%), $1,000 (save 15%), $5,000 (save 30%), $10,000 (save 35%).

Key Exclusions

• Conditions not stable during the required stability period before departure
• Treatment of a medical condition known before departure that was expected to require hospitalization
• Routine, elective, or experimental treatments
• Pregnancy, childbirth, or related complications (subject to policy definition)
• Mental health disorders (subject to policy limits)
• Self-inflicted injuries or suicide attempts
• Use of alcohol, drugs, or intoxicants
• High-risk activities and extreme sports
• War, civil unrest, or participation in illegal acts

Claims & Emergency Assistance

Contact Manulife Travel Assistance before visiting any hospital or clinic — failure to notify the Assistance Centre may result in a 20% co-payment being applied to your covered claim costs. If you are unable to call due to your medical condition, a relative or medical staff member must call within 24 hours. The toll-free number is printed on your insurance certificate.

Frequently Asked Questions

What is the maximum emergency medical coverage?

Up to $10,000,000 CDN per person per trip for all emergency medical plans. This includes hospitalization, physician services, ambulance, prescription drugs, paramedical services, and dental emergencies.

What plans are available?

Five plans: Single-Trip Emergency Medical, Single-Trip All-Inclusive, Multi-Trip Emergency Medical, Multi-Trip All-Inclusive, and standalone Trip Cancellation & Interruption. Single-trip plans cover any trip length (with top-ups); multi-trip plans offer trip durations of 4, 10, 18 or 30 days.

Do I need a medical questionnaire?

Travellers under 60 are guaranteed issue at Rate Category A — no medical questionnaire required. Travellers age 60 and over must complete a medical questionnaire which determines their Rate Category (A, B, or C), affecting the stability period and the premium rate.

Are pre-existing conditions covered?

Yes, stable pre-existing conditions are covered. Rate Category A requires 3 months of stability for all ages. Rate Categories B and C (for travellers 60+) require 6 months of stability. For Trip Cancellation & Interruption, a pre-existing condition is not covered if it was not stable during the 3 months prior to purchase.

Is there a discount for travel within Canada?

Yes. The Single-Trip Emergency Medical plan offers a 50% Travel Canada discount for travel outside your home province but within Canada. This cannot be combined with an optional deductible.

What happens if I forget to call Manulife Travel Assistance first?

For emergency medical plans, failure to contact the Assistance Centre before seeking treatment results in a 20% co-payment on the covered claim costs. The requirement is waived only if your medical condition made it impossible to call — in which case, someone else must notify within 24 hours.