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Manulife Financial CoverMe Travel Insurance Review 2024

Updated: Feb 28, 2024, 7:30am

Manulife Financial’s CoverMe Travel Insurance offers a generous $10 million in emergency medical coverage, and mature travellers will benefit from the emergency medical coverage for pre-existing conditions. But if you’re looking for high levels of trip insurance, you might want to consider other options.

• Generous emergency medical coverage
• Coverage for pre-existing conditions
• COVID-19 Pandemic Travel Plan
• Lengthy medical questionnaire
• No CFAR coverage
• Lower trip benefits than other plans

Table of Contents

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Manulife Financial Corporation is a multinational financial services company offering financial advice, insurance and wealth management services.

Headquartered in Toronto with offices in Canada, Asia and Europe, as well as in the U.S. under the name John Hancock, Manulife started selling insurance in 1887. Today the company offers a bevy of insurance products, including health, life, mortgage protection and travel insurance.

Manulife Travel Insurance is underwritten by The Manufacturers Life Insurance Company (Manulife) and First North American Insurance Company (FNAIC), a wholly-owned subsidiary of Manulife.

Here are the key types of travel insurance coverage offered in Manulife travel insurance plans:

• Emergency medical insurance: If you get ill or are injured on your trip, travel medical insurance can pay for emergency medical expenses, up to the coverage limits in your plan. These expenses can include doctor and hospital bills, medication and lab work.
• Trip cancellation insurance: If you cancel a trip for a reason listed in your travel policy, such as you or your travelling companion becoming ill, weather conditions causing a massive delay or you losing your job,   trip cancellation insurance can reimburse you for prepaid, non-refundable costs.
• Travel interruption or delay insurance: Trip interruption insurance can pay for a last-minute flight home in an emergency and money that you lose by cutting a trip short, such as non-refundable activities and hotel stays. If your flight is delayed , your insurance can cover the cost of incidentals, such as meals or accommodations, after a specified period of time, like 10 or 12 hours.
• Baggage insurance: Baggage travel insurance can compensate you up to your policy limits if your luggage is lost or stolen. It will reimburse the depreciated value of your suitcases and what you packed. If your bags are delayed, it can reimburse you for the cost of the necessities you’ll have to buy to tide you over. It also extends to your personal belongings, if lost, damaged or stolen.
• Travel accident insurance. This coverage offers compensation in the event of accidental death or catastrophic injury from an accident during your trip. Flight Accident Insurance covers injury while you’re on a commercial plane, during a connection or in an airport. Travel Accident Insurance covers death or dismemberment, including the loss of limbs or eyesight, while on your trip.

Manulife Financial Travel Insurance offers four plans:

All Inclusive: This is the most comprehensive plan offered by Manulife Financial that includes coverage for unforeseen medical emergencies, trip cancellation and interruption, travel accident, and baggage loss, damage and delay.

According to Manulife Financial, emergency medical treatment includes:

• Hospital accommodation up to a semi-private room
• Private duty nursing
• Rental or purchase of a hospital bed, wheelchair, brace, crutch or any other medical appliance
• Diagnostic tests
• Prescription drugs and medication
• Paramedical services, such as care from a chiropractor, osteopath, physiotherapist, chiropodist or podiatrist, up to $70 per visit for a maximum of $700 per covered injury
• Ambulance transportation
• Emergency dental due to a blow to the face (up to $3,000: $1,500 on your trip and $1,500 once you return home) or,
• Emergency dental due to pain, up to $300

Medical benefits also include coverage to bring someone to your bedside, expenses for meals, hotel accommodations and associated expenses if a medical delay prevents you from returning home, repatriation expenses, return of your remains if you die and a hospital allowance, for expenses such as parking and TV rental.

Manulife Insurance is secondary insurance, which means that coverage kicks in once any other benefit plan is exhausted.

Emergency Medical: If you’re only worried about medical emergencies while travelling, this plan offers all of the emergency medical coverage options of the all inclusive plan and includes hospital accommodations, physician fees, lab tests, private nurses and ambulance services.

Trip Cancellation/Interruption: If you have medical coverage elsewhere, such as a travel credit card , this will cover trip cancellation and trip interruption. It does not offer any baggage coverage or flight and travel accident coverage.

COVID-19 Pandemic Travel Plan: This plan provides emergency medical insurance for COVID-19 and related complications, as well as trip interruption insurance benefits if you need to quarantine. The maximum payable amount is $5 million for a medical emergency related COVID-19 if you are vaccinated and $1 million if you are not vaccinated. The $5 million in coverage can also be used in the event of a non-COVID related medical emergency.

Family coverage for up to four adults (parents and grandparents) and their unmarried dependent children or grandchildren may also be available for any of these plans. (If purchasing the COVID-19 Pandemic Plan, family coverage is available for up to two adults.)

In order to be eligible for coverage, the following must be true:

• All travellers are between 30 days old and 59 years old at the time of the application
• Adults are either a parent or grandparent of the dependent children or grandchildren
• Dependent children or grandchildren are unmarried and under age 21, a full-time student under age 26 or mentally or physically disabled

We’ve highlighted key benefits of Manulife CoverMe Travel Insurance for the single trip plan to help you identify which coverage is the best fit for you.

The price of a Manulife Financial CoverMe travel insurance plan depends on factors such as the cost of your trip, your age and the amount of coverage you choose.

Here are some examples of the cost for Manulife Financial CoverMe Travel Insurance single trip plans for healthy travellers based in Ontario. Each traveller is quoted individually.

With your emergency medical coverage, you can also add an optional deductible, or the amount you will pay out of pocket before your coverage kicks in, of $500, $1,000, $5,000 or $10,000.

Emergency medical: $5 million Cancel For Any Reason: Yes, 50% to 75% Baggage insurance (maximum): $1,500

Related: CAA Travel Insurance Review

TD Insurance

Emergency medical: $5 million Cancel For Any Reason: No Baggage insurance (maximum): $1,000

Related: TD Insurance Travel Insurance Review

Emergency medical: $5 million Cancel For Any Reason: No Baggage insurance (maximum): $1,500

Related: Blue Cross Travel Insurance Review

Manulife Financial does not offer any insurance riders or add-ons.

Costco Executive members can save up to 5% on most Manulife insurance plan premiums.

Yes. You can buy multi-trip annual insurance if you travel more than once a year for multiple individual trips. Manulife Financial offers medical only coverage for four, 10, 18, 30 and 60 days and all inclusive coverage for four, 10, 18 or 30 days per trip. If you stay longer than the number of days you purchased, you can purchase a top-up. It’s important to note that the Multi-Trip All Inclusive plan is only available for purchase within 60 days of departure.

Here’s how the prices between single trip and multi-trip insurance for 18 days compare:

The Manulife Assistance Centre is available 24/7 and 365 days of the year and can help you when you’re faced with an emergency. Depending on the coverage provided by your insurance policy, support includes:

• Verifying and explaining coverage
• Referral to a physician, hospital or other health care provider
• Monitoring your medical emergency and keeping your family informed
• Arranging for return transportation home when medically necessary
• Arranging direct billing of covered expenses, wherever possible
• Assistance with lost, stolen or delayed baggage
• Assistance in obtaining emergency cash
• Translations and interpreter services in a medical emergency
• Help to replace lost or stolen airline tickets
• Assistance with obtaining prescription drugs
• Assistance in obtaining legal help or bail bond

For policyholders with emergency medical coverage, Manulife Financial Travel Insurance also offers StandbyMD, a medical concierge service. StandbyMD offers the following services 24/7:

• Teleconsultations with a physician who can assess your symptoms and provide treatment options
• A network of visiting physicians in 141 countries and over 4,500 cities
• In-network clinics close to the patient
• In-network ERs close to the patient

If you (or someone calling on your behalf) do not contact the Manulife Assistance Centre before receiving medical treatment, you may be limited to reimbursement of 80% of eligible medical expenses. It’s important to remember that certain services, such as MRIs, CAT scans, ultrasounds, biopsies and cardiovascular surgeries must be approved in advance of receiving treatment.

Manulife Financial will not pay any medical expenses related to a medical condition that is not stable for a set period of time before your coverage takes effect, either three months or six months depending on the rate category you qualify for when purchasing your policy based on your health status.

A medical condition is considered stable when all of the following are true:

• There has been no new treatment prescribed or recommended or change in existing treatment, including a stoppage in treatment.
• There has not been any change in medication, or any recommendation or starting of a new prescription drug.
• The medical condition has not become worse.
• There has not been any new, more frequent or more severe symptoms.
• There has been no hospitalization or referral to a specialist.
• There have not been any tests, investigation or treatment recommended but not yet complete, nor any outstanding test results.
• There is no planned or pending treatment.

In addition, Manulife will not cover any heart condition for which you’ve had to take nitroglycerin for angina pain in the three or six months before your effective date (the date your coverage starts), or any lung condition that required treatment with oxygen in the three or six months before your effective date.

However, Manulife Financial offers TravelEase insurance coverage for fully disclosed pre-existing medical conditions with up to $5 million in emergency benefits. Travellers interested in this coverage can call Manulife Financial for a quote.

There are a number of scenarios not covered by travel insurance and it’s critical to know what not to do before you make a claim only to be told you’re on the hook for all associated costs. The following are some of the most common issues not covered by travel insurance:

• A claim against an unstable pre-existing medical condition
• Self-inflicted injuries, unless medical evidence shows the injuries are related to a mental health illness
• Any claim resulting from a criminal offence or illegal act
• Any medical condition resulting from you not following prescribed treatment
• Any medical condition due to use or withdrawal from alcohol, drugs or other intoxicants, before or during your trip
• Routine pre-natal or post-natal care, or your pregnancy, delivery or complications of either nine weeks before or after your expected due date
• A child born on the trip
• Any non-emergency, experimental or elective treatment, such as cosmetic surgery, chronic care or rehabilitation
• A travel visa not issued in time due to a late application
• Failure of any travel agency, agent or broker
• Any loss suffered during an “Avoid all travel” or “Avoid all non-essential travel” advisories
• Any medical condition for which it was reasonable to believe you’d require treatment for during your trip or would produce symptoms before your trip
• Any act of terrorism or war

To be eligible for emergency medical insurance coverage, the following must apply:

• You are a resident of Canada and are covered under a government health insurance plan
• You are at least 30 days old
• You have not been advised by a physician not to travel
• You have not been diagnosed with a terminal illness or metastatic cancer
• You do not require kidney dialysis
• You have not been prescribed or used home oxygen in the last 12 months
• You have never had a bone marrow, stem cell or organ transplant, except for corneal transplant

There are additional eligibility criteria for travellers aged 60 and older based on their answers to a health questionnaire.

You can file a claim online 24/7 by visiting the Manulife online claims portal where you can start a new claim, submit your required documentation and follow the progress of your claim.

If you are making an emergency medical claim, documentation may include:

• Original itemized receipts for all bills and invoices
• Proof of payment by you and any other benefit plan (as Manulife is a secondary plan, meaning it pays out the balance not covered by any other insurance coverage)
• Medical records, including complete diagnosis by the attending physician or the hospital verifying that the treatment was medically necessary
• Proof of the accident if you are submitting a claim for emergency dental
• Proof of travel, including departure date and return date
• Your historical medical records, if required
• Police reports

For a trip cancellation and trip interruption claim, you may be asked to provide:

• A medical certificate stating why travel was not possible
• A police (or other responsible authority) report documenting the reason for the delay if your claim is due to a missed connection
• Original receipts for any travel accommodations made in advance and/or receipts for extra hotels, meals, telephone and taxi expenses

If you are making a baggage loss, damage and delay insurance claim, you will need to provide:

• Copies of reports from the authorities (police, hotel manager, tour operator, etc.) as proof of loss, damage or delay
• Proof that you owned the items and receipts for their replacement

To make submitting a claim easier, Manulife Financial also offers a TravelAid mobile app that gives policyholders immediate digital access to the Assistance Centre.

You must report a claim within 30 days of the occurrence, and you must submit proof of your claim within 90 days that a claim occurred or a service was provided. Money will be paid out within 60 days after all required documentation has been received and the claim is approved.

Manulife Financial CoverMe Travel Insurance FAQs

Does manulife financial pay for medical costs upfront.

According to the company, its Assistance Centre has existing relationships with medical providers in many vacation destinations to ensure emergency situations are handled “as smoothly as possible.” There is the caveat that some medical providers will require a deposit or assurance that they will be paid. However, the insurer adds that, “once the Assistance Centre is contacted and actively managing the case, the providers will directly bill Manulife and, in almost all cases, you will not see a bill.” Should you have to pay direct, Manulife will reimburse expenses once the claim documentation has been received and verified.

However, if you pay out of pocket for medical expenses without prior approval by Manulife’s Assistance Centre, eligible expenses will be reimbursed to you based on “reasonable and customary charges,” which may be less than what you paid.

Does Manulife Financial cover COVID-19?

Yes. If you have been fully vaccinated against COVID-19 at least 14 days before the start of your trip and your policy includes emergency medical benefits, Manulife will provide coverage for any unforeseen medical emergency related to COVID-19. If you’re required to quarantine, your emergency medical coverage will reimburse you for extra expense for meals, accommodation, telephone calls and taxi fares and/or the expense to bring you home. For policyholders with Trip Cancellation and Trip Interruption, COVID-19 is considered a “known event” and therefore will not be covered except for as part of one of the three scenarios below:

1) You become ill with COVID-19 and you’re unable to travel 2) You test positive for COVID-19 within 72 hours before you leave home 3) You lose your job as a result of the pandemic

Does Manulife Financial offer coverage extensions?

Yes. Your coverage is automatically extended for 72 hours starting on the final day of your trip due to a transportation delay. If you or your travelling companion are hospitalized, your coverage is extended for the period of hospitalization (to a maximum of 365 days), plus up to five days after discharge. If you or your travelling companion is unfit to travel due to a medical emergency that does not require hospitalization, your coverage is automatically extended for up to five days.

You can also request an extension if you want to stay longer on your trip, provided you apply before the expiry date of your policy and you haven’t made any claims or you’re not currently seeking treatment.

Does Manulife Financial require a medical questionnaire?

Yes. Travellers age 60 and over must complete a comprehensive medical questionnaire that asks questions about your eligibility for insurance. For example, if in the last 12 months you’ve had a new heart condition or an existing heart condition that required a change in medication or hospitalization, or if in the last four months you’ve been prescribed or taken six or more prescription medications (with some exclusions), you are not eligible for insurance. You may, however, be eligible for the TraveEase plan for pre-existing conditions. Additional questions are used to assign you to a certain rate category, which affects your premiums as well as your stability period. For example, if in the last five years you’ve been diagnosed with or treated for diabetes, a stroke or a lung condition, you’ll be assigned rate category C. Meanwhile, if in the last two years, you’ve been diagnosed with or treated for chronic bowel disease or kidney disorders, or been to the ER more than twice in six months, you’ll be assigned rate category B.

Also, if it’s discovered that you did not answer the questions truthfully or there are any errors in your claim, this may void your plan and/or your claim may be denied.

Does Manulife Financial have any age restrictions?

Yes. Travellers must be at least 30 days old. There is no maximum age limit, though family coverage is only available up to age 59.

When does my coverage with Manulife Financial begin?

If you purchase cancellation coverage, it begins the day you buy your policy and ends the day when you make a claim or leave on your trip. Your interruption coverage, if purchased, begins when you leave home. Your delay coverage begins once an insured risk prevents you from returning home as scheduled.

Can I get a refund with Manulife Financial?

You can cancel an emergency medical plan, both single trip and multi-trip, before the effective date of coverage. Refunds and cancellations are not available for any all inclusive plan.

Does Manulife Financial offer a free look period?

Yes. Manulife Financial offers a 10-day “Free Look” period where you can review and cancel your policy within 10 days of purchase if you have not already left for your trip and there is no claim in progress.

Fiona Campbell is a Staff Writer for Forbes Advisor Canada. She started her career on Bay Street, but followed her love for research, writing and a good story into journalism. She is the former editor of Bankrate Canada, and has over 20 years of experience writing for various publications, including the Globe and Mail, Financial Post Business, Advisor’s Edge, Mydoh.ca and more.

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• Single Trips
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• Visitors to Canada

Frequently asked questions (FAQ)

Questions about all our plans, questions about our plans for canadians.

Yes, by default our plans have a $0 deductible, but clients can save with higher deductibles on single-trip and multi-trip emergency medical plans:

Note: Deductible options are not available for all-inclusive (single-trip or multi-trip) plans.

Questions about our plans for visitors to Canada

Yes, by default our plans have a $75 deductible, but your client can pay a little more for a $0 deductible or save with higher deductibles on emergency medical plans:

Note: Deductible options are not available for trip interruption insurance.

Yes, with Plan A, whether or not your client adds trip interruption insurance. Family coverage is not available with Plan B. 

Family coverage covers the applicant, the appliant's spouse and dependent children, and all family members must be under age 60. The cost for Plan A emergency medical benefits (including travel accident insurance) is twice the premium for the oldest traveller under age 60. The cost for Plan A trip interruption insurance is three times the premium for the oldest traveller under age 60.

Questions about our plans for students

Your client can call the Assistance Centre to request an extension as long as the plan has not expired and:

• The period of coverage does not extend beyond 365 days
• The client remains eligible for insurance under this plan
• The plan is not changing from single to family coverage 

If your client has a medical condition or pending claim, the Assistance Centre must evaluate and approve the extension. 

• Single-Trip Emergency Medical 1 of 5
• Single-Trip All-Inclusive 2 of 5
• Single-Trip Travel Canada Emergency Medical 3 of 5
• Trip Cancellation & Interruption 4 of 5
• COVID19 Pandemic Travel Plan 5 of 5
• Multi-Trip Emergency Medical 1 of 2
• Multi-Trip All-Inclusive 2 of 2
• Emergency Medical Top-Up 1 of 1
• Emergency Medical Plan 1 of 1
• Canadian Studying in Canada Outside the Home Province 1 of 3
• International Student Studying in Canada 2 of 3
• Canadian Studying Outside Canada 3 of 3

Protect your travels & save 10% on rates*

As an eligible member of the Canadian Armed Forces (CAF) community, you deserve quality and value for your money. So we're offering you and your family 10% savings on already affordable Manulife Travel Insurance rates. *Excludes COVID-19 Pandemic Travel Plan.

Trip Cancellation & Interruption Travel Insurance for Canadians

Plan overview.

Included in All-Inclusive plans or purchased separately.

Trip Cancellation & Interruption Benefits

• Up to sum purchased per insured per trip for the Trip Cancellation & Interruption Plan when purchased separately
• Up to $3,500 per insured per trip for the Single-Trip All-Inclusive plan
• Up to $3,500 per insured per trip and  up to $6,000 per policy for Multi-Trip All-Inclusive Plans
• Reimbursement of prepaid portion of the  trip that is non-refundable and non-transferable to another travel date for a covered event

Highlights of some of the insured risks:

• Unexpected medical emergency or death of insured (or insured's travel companion)
• Unexpected medical emergency or death of insured's (or insured's travel companion's) immediate family or key person
• Cancellation of a business meeting
• Canadian Government issues a Travel Advisory regarding the travel destination
• Travel visa not issued
• The person whose guest the insured will be during the trip has a medical emergency and is admitted to a hospital or dies
•  Missed connection

Eligibility

To be eligible for stand-alone Trip Cancellation & Interruption Insurance under this policy, you must:

• be living in Canada or travelling through Canada; and 
• have paid the appropriate premium

Under Trip Cancellation & Interruption Insurance, coverage will include travel within your province or territory of residence.

Coverage Start & End Dates

Effective dates and expiry dates, your coverage starts:.

For Trip Cancellation, on the date the policyholder pays the premium for this coverage.

For Trip Interruption coverage, on the later of:

• the departure date; or
• the effective date as stated on the confirmation.

Your Coverage ends:

For Trip Cancellation, on the earliest of:

• the departure date;
• the date the policyholder cancels their trip;
• the expiry date shown on the confirmation.

For Trip Interruption, on the earliest of:

• the date you return home; or

Refunds & Extensions

Refunds and Cancellations are not permitted on any All-Inclusive plans.

Full refunds for standalone Trip Cancellation & Interruption Insurance is available if:

• you cancel your trip before any cancellation penalties are in effect; or
• the common carrier or travel supplier cancels the entire trip and all penalties are waived; or
• the common carrier or travel supplier changes the policyholder's trip dates and you are not able to travel and all penalties are waived.
• Premium rates are in $CDN per person.
• Rates are subject to change without notice.
• The sum insured;
• The age at the time of application.

Coverage will not take effect if the applicant's method of payment is not honoured when presented for payment.

Important Information

• If you purchased an All-Inclusive Policy, you must call the Assistance Centre in a medical emergency and prior to any treatment. Otherwise, you will have to pay 20% of the eligible medical expenses we would normally pay under this policy. If it is medically impossible for you to call, please have someone call on your behalf.
• If you are submitting a paper application, make sure it is signed and dated prior to the effective date. If coverage is not arranged prior to the effective date, coverage begins on the day following Manulife's or the advisor/agent’s receipt of the executed confirmation form and payment. In the event we are unable to process payment, coverage will not be in effect.
• Read the policy with particular attention to "pre-existing medical condition" and other exclusions that apply to the coverage.
• The Wallet Card and Manulife Financial Travel Insurance policy should be kept with you at all times when travelling. The Wallet Card includes telephone numbers in case of an emergency or if an extension is required. The Wallet Card is found in the policy.

Don't miss out on credit card travel insurance and these other fun travel perks

Take your travel hacking to the next level by choosing a card that offers perks like cash back, credit card travel insurance, and VIP concierge services.

Author:  Jordann Brown

Anyone who's logged some miles travelling knows that it can be one of the most rewarding ways to spend your money. "Things" get old, broken, or lost. But travelling gives you experiences and memories that you'll carry forever.

That said, travelling can be stressful, and between hotels, flights, and activities, it takes a lot of time and money to plan a trip.

If you're a frequent traveller, take the next step to make travelling easier and more fulfilling: use a credit card with perks like concierge services, credit card travel insurance, and more.

What is a travel credit card?

A travel credit card is just like any other credit card, but with one major difference — it offers perks and travel insurance coverage that make travelling more affordable and comfortable. Some travel credit cards have an annual fee, but they can also have a cash back program to reward your spending and help you save money for your next trip.

Here are four perks you'll find in the best credit card for frequent travellers.

Cash back on hotels, flights, and cruises

If you're going to explore the world, why not get a credit card that helps you squeeze the value out of every dollar you spent on travel? Travelling more than once a year means you'll probably spend thousands of dollars on those trips. Maximize that spending with cash back rewards on your travel costs. Cash back credit cards work by letting you earn back a percentage (say 2%) of your spending. Some credit cards also reward everyday spending — think gas and groceries — while others specifically reward travel spending on hotels, flights, and cruises.

Travel insurance

Travelling is an incredibly exciting and rewarding experience, but it can also be stressful. Unexpected events like lost baggage, flight delays, and health emergencies can ruin your trip or even leave you stranded. Fortunately, many travel credit cards offer credit card travel insurance.

How does credit card travel insurance work?

It couldn't be much simpler. Typically, if you charge your flight and hotels to your credit card, you're covered by a variety of travel insurance options. Start by checking to see what your travel insurance coverage your card provides, then, as long as you pay for your trip with your travel credit card, you're likely covered.

What does credit card travel insurance cover?

Every credit card is different and offers different insurance coverage, so if you're considering getting a travel credit card, make sure you read the fine print first. You may have to balance out your costs: credit cards with annual fees generally offer more coverage. Here are some types of travel insurance to look out for:

• Baggage loss and delay
• Trip interruption
• Flight delay
• Emergency medical coverage
• Rental car damage coverage

The best part about credit card travel insurance vs. travel insurance you can purchase is that credit card travel insurance is completely free. Again, as long as you know what your card covers, and you book your trip on that credit card, not only could you be covered automatically, but you can save money, too.

Concierge services

Some travel credit cards offer personal concierge services, who can help you find an awesome hotel, set up reservations at a new restaurant, or secure tickets to the latest theatre show or event.

Taking your travel further

Planning and saving money are the two most important parts of organizing travel, but those are just the basics. Adding a  credit card with travel perks  to your financial arsenal is an easy way to take your travel hacks to the next level. It’s an easy way to get travel insurance coverage, rewards to help you save for your next trip faster, and extra perks to make your overall travel experience more fun. Just make sure to pay off the balance every month to avoid those pesky interest charges.

Looking for a premium travel credit card with accelerated cash back perks?  We've got you covered .

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Soaring to new heights: manulife and aeroplan partner to give millions of canadians access to rewards in new, first-of-its-kind canadian partnership  .

• Manulife becomes first Group Benefits Provider in Canada to offer Aeroplan Points to members to encourage and reward activities that support better health and wellness.

January 23, 2024  

Toronto –  Manulife, one of Canada’s leading insurance providers, and Aeroplan, Canada’s premier travel loyalty program, are excited to announce a new, multi-year loyalty partnership. Through this first-of-its-kind agreement in Canada, the millions of Canadians who are eligible Manulife Group Benefits members will have the ability to earn Aeroplan points by engaging in behaviours and activities that encourage health and wellbeing.

This spring, Manulife will launch a modernized and upgraded benefits platform to offer members a digital-first user experience that integrates health, wellness and benefits into one place. With the addition of Aeroplan in early summer 2024, eligible Group Benefits members will be able to earn points for health and benefits-related activities, all while managing their overall wellbeing – from prevention to getting care – through an integrated and personalized experience. By engaging in health and wellness challenges, members will have the opportunity to earn points for completing healthy initiatives, like exercise minutes, mindfulness practices, and more. In addition, points will be rewarded for completion of educational courses and helpful benefits tips and tricks, like downloading the digital benefit card.

“I am thrilled to announce Aeroplan as our loyalty partner for Manulife Group Benefits members. This announcement is a huge milestone for us on our mission to drive long-term, healthy outcomes for Canadians and help our members get more health from their benefits,” says Ashesh Desai, head of Manulife Group Benefits. “By partnering with Canada’s premier travel loyalty program and adding Aeroplan points to our digital health technology experience, we’re empowering and incentivizing members to take a proactive approach to their health and wellbeing, helping them live better, healthier lives."

Eligible members will be able to link their Aeroplan account with their Manulife group benefits digital account to start earning points for completing health programs and initiatives within the Manulife digital experience. Details around all points, eligible activities, and the number of reward points for each, will be provided in the coming months.

“We’re so proud to join together with another Canadian global champion and welcome Manulife as the latest Aeroplan strategic partner. Through this innovative offering, we’re combining forces to reward millions of their group benefits members,” says Mark Nasr, President of Aeroplan and Executive Vice President Marketing and Digital of Air Canada. “Aeroplan is committed to Manulife and their mission—Decisions made Easier. Lives made better—and we're excited to reward Canadians for healthy living.”

Partnering with Aeroplan is the latest example of how Manulife Group Benefits is expanding its impact beyond claims and rapidly progressing on its journey to become a true health partner to Canadians and Canadian employers. In addition to today’s announcement, last year Manulife Group Benefits announced Cleveland Clinic Canada as their medical director, and unveiled a partnership with Canadian tech scale up League to help power the new Group Benefits digital experience that is launching this spring.

About Manulife 

Manulife Financial Corporation is a leading international financial services provider, helping people make their decisions easier and lives better. With our global headquarters in Toronto, Canada, we provide financial advice and insurance, operating as Manulife across Canada, Asia, and Europe, and primarily as John Hancock in the United States. Through Manulife Investment Management, the global brand for our Global Wealth and Asset Management segment, we serve individuals, institutions, and retirement plan members worldwide. At the end of 2022, we had more than 40,000 employees, over 116,000 agents, and thousands of distribution partners, serving over 34 million customers. We trade as 'MFC' on the Toronto, New York, and the Philippine stock exchanges and under '945' in Hong Kong. 

Not all offerings are available in all jurisdictions. For additional information, please visit manulife.com.  

About Air Canada and Aeroplan

Air Canada is Canada's largest airline, the country's flag carrier and a founding member of Star Alliance, the world's most comprehensive air transportation network. Air Canada provides scheduled service directly to more than 180 airports in Canada, the United States and Internationally on six continents. It holds a Four-Star ranking from Skytrax. Air Canada's Aeroplan program is Canada's premier travel loyalty program, where members can earn or redeem points on the world's largest airline partner network of 45 airlines, plus through an extensive range of merchandise, hotel and car rental rewards. Members can choose any seat, at any time, with no blackouts, restrictions, or cash surcharges for redemptions. Aeroplan redemption flights operated by Air Canada are automatically compensated using carbon offsets by Air Canada’s partner. To learn more about Aeroplan visit aircanada.com/Aeroplan.Its freight division, Air Canada Cargo provides air freight lift and connectivity to hundreds of destinations across six continents using Air Canada's passenger and freighter aircraft.  Air Canada has committed to a net zero emissions goal from all global operations by 2050. Air Canada shares are publicly traded on the TSX in Canada and the OCTQX in the US. 

Manulife Media Contact:                                                     

Emily Vear                                                                                        437-419-3778         [email protected]  

Air Canada Media Contact:     

[email protected]    

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Submit a travel insurance claim to Manulife

For CoverMe™ or Affinity* policyholders

On this page

Instruction: Change of selection promptly shifts the focus to a matching heading further down, on the same page.

CoverMe or Affinity* customers: Start a travel claim by logging in to our Manulife and Active Care Management (ACM) site. Please register and start a claim on the ACM site .

*Alumni, professional and retail members are sometimes referred to as Affinity customers. Not sure if you're an Affinity customer?  Check our listing to find out.

( Group Benefits customers: Start a travel claim by logging in to the Global Excel Management web portal. Please register and start a claim on the Global site. )

Submit a CoverMe or Affinity travel insurance claim

Sign in to the ACM travel claims portal to start or check on a claim

Start your travel claim

Follow these steps to register online, and start a claim:

Step 1: Create and register an account at our ACM travel portal

• Go to the Manulife ACM travel portal
• Click Register at the top right corner of the page
• Fill in the required information
• Click the Create account button when done (an activation link will be sent to your email for confirmation purposes)

Step 2: Log in

Once you’ve activated your account from the email ACM sent you, log in using the credentials you just set up for your new account (or simply log in, if you already have an account with ACM).

Step 3: Start a claim

Click on New claim, visible at the top of the page.

Step 4: Select your claim type

From the drop-down menu, select the claim type that describes your type of claim the best (e.g., medical or non-medical). If a medical claim, select the type of medical you are making (e.g., Out of province medical, Visitors to Canada, Student plan)

Step 5: Complete claimant information, policy number and other required information

Fill out all the required fields, and select ‘Next’.

Step 6: Complete the certification and authorization statement

Step 7: Attach supporting information*

Attach any supporting documentation or receipts, and select ‘Next’.

Step 8: Submit your claim

Click ‘Submit’ to complete your claim. Check your email inbox and look for the email confirmation from us that we received your claim.

Once we assign your case to a claims examiner, you’ll receive another notification from ACM. Remember: you can view your claim details any time by clicking on ‘Completed claims’ on the ACM website home page .

* Put together all official receipts. They need to show a description of the product or service you paid for (proof of payment's required, but not credit card receipts). Be sure to keep copies for your records including:

• Original itemized bills and receipts
• Any and all medical records or certificates provided at time of treatment and include a diagnosis, such as: an emergency room (ER) report; clinical documentation or a letter from your treating physician
• If you’re hospitalized, and need to make a hospitalization claim, we require a copy of your medical records from the treatment facility
• Any additional information relevant to your claim

Submit your claim by email

Scanned copies of all completed and signed claims forms and supporting documents can be submitted to ACM by email to:  [email protected]

Make a paper claim

If you’d like to send us a paper claim, here’s how:

• Trip cancellation claim form (PDF)
• Remember to include and attach to your claim any supporting documents requested (e.g., receipts, provincial coverage details, statements from other health plans)

Please mail any supporting documentation to:

CoverMe Travel Insurance c/o Active Care Management P.O. Box 1237, Stn. A Windsor, ON N9A 6P8

Like online claims, all receipts need to include a description of the product or service paid for (credit card receipts aren’t required), printed on the store/provider’s official invoice paper (keep copies of all paperwork for your records).

Receipts needed may include:

• Any and all medical records or certificates provided at time of treatment and include a diagnosis, such as: the emergency room (ER) report; clinical documentation or a letter from your treating physician

Additional information may be found on our Affinity Group Support page .

About the TravelAid TM app

TravelAid is a free app that gives you travel assistance when you’re travelling. It’s GPS-enabled and provides travellers immediate assistance, no matter where they are in the world. 

App features:

• Medical facility search – Since the app is GPS-enabled, it can provide directions to the closest medical facility wherever you are in the world
• International 911 lookup – Find emergency phone numbers easily, even when you’re in another country
• Travel tips – For Canadians travelling outside the country and visitors to Canada
• Start a travel claim – You can start a travel claim right on the app
• Contact claim administrators, ACM – There’s a direct link in the app that connects you immediately to 24/7 medical assistance

Download the app

Visit the Apple app store or Google Play to download the app.

Give us a call

The  toll free number provided on your insurance policy is the best one to call. But if that number isn't available, the toll free numbers listed below, according to travel policy type, also connect you with our Assistance Centre.

Call our Assistance Centre if you:

• Experience a medical emergency during your trip (please call our Assistance Centre as soon as possible and prior to any medical treatment)
• Are on a trip and need some non-medical assistance
• Need to make a general claim inquiry, or need help with the claim forms
• Need to start a Trip Cancellation claim
• Are a health care provider, inquiring about payment information or the status of a claim

For information about how to reach us by email, or to submit a paper claim, please refer to the second tab to the left, titled “Email and paper claims”.

Within North America, toll-free  1-800-805-1008

Outside North America, call collect  +1 (519) 251-1570

Within North America toll-free  1-855-857-5919

Outside North America, call collect +1 (519) 251-7298

Inside North America, call toll-free  1-833-389-1089

Outside North America, call collect  +1 (519) 945-1812

Inside North America, call toll-free 1-888-881-8010

Outside North America, call collect +1 (519) 945-8346

Inside North America, call toll-free 1-877-878-0142

Outside North America, call collect +1 (519) 251-5166

Inside North America, call toll-free 1-877-331-3134

Outisde North American, call collect +1 (519) 251-7401

You may also find immediate access to the Assistance Centre through the TravelAid™ mobile app. To learn more about the app or download it, click on the App claims tab, just to the left in this tab menu.

You may also call Manulife’s CoverMe travel department (toll free at 1-800-268-3763 ) if you:

• Have general inquiries about travel products or coverage before you leave on your trip
• Are looking to purchase travel insurance prior to your trip
• Would like to add or change your coverage, prior to leaving or while you are on your trip

How long does it take to process a travel claim?

It’s our goal to process eligible claims promptly. To help us do so, please:

• provide us – as soon as possible – the medical information we need from your treating or family physician 
• send in a fully completed claim form, including all requested supporting documentation
• remember that we may need other information from the medical providers (e.g., doctors, hospitals), so our response time may be impacted by when we receive mail from them

Frequently asked questions

In some cases, you may be able to deduct travel insurance premiums from your gross income when it comes to tax time. In most situations, however, travel insurance costs are not deductible. Be sure to ask an accountant or financial advisor as to the status of these costs prior to making them, if a concern.

The cost of travel insurance is not a medical expense. It's a cost incurred to protect you when travelling against any unforeseen circumstance that leads to your incurring a cost to protect your health and well-being while on a trip away from home.

Travel insurance claims involve completing a form and submitting it to the insurance company you purchased the travel insurance from. The forms tend to be detailed and take a bit of time to complete.

All supporting documentation requested in the claim form must also accompany your submission. Incomplete claims are generally not accepted and will need to be redone before going through the claims review process.

Generally, costs you incur while away you pay for out-of-pocket. Then, you're reimbursed by the insurance company after you return home and submit a claim.

In some instances (e.g., hospital stays), another arrangement can be made. In those cases, travellers may call us to make a plan for covering the costs.

Travel insurance claims go through an adjudication process. If the policyholder provides everything the insurance company needs to determine the validity of the claim and verify the expenses, then the claim will be approved.

There’s nothing for the policyholder to do to get a claim approved. One can only ensure their claim is complete, that all questions are answered, and all supporting documentation provided when the claim is first submitted. Also, if the company has any outstanding questions, the policyholder should provide answers as soon as possible to expedite the claim verification process.