manulife travel insurance all inclusive

• Single Trips
• Multi Trips
• Visitors to Canada

Single-trip Plans

• Up to $1 million CAD to cover emergencies related to COVID-19 (up to $5 million CAD if received full course of immunization for COVID-19)
• Up to $5 million CAD to cover emergency medical costs unrelated to COVID-19
• Trip Interruption coverage in the event of quarantine and COVID-19

Emergency medical benefits*

Health services.

• Hospital and physician services
• Paramedical services
• Emergency dental treatment
• Hospital allowance

Transportation

• Emergency medical return home
• Visit to bedside if travelling alone
• Return home of children in care of insured, travel companion, pet, vehicle
• Return of excess baggage

Additional protection

• Extra meal, hotel, childcare and phone call costs
• Expenses related to death
• Terrorism coverage*

Note: You are eligible for $5 Million CAD coverage if you have received the full course of immunization for Coronavirus (COVID-19) that is authorized by Health Canada. It must be taken according to manufacturer’s recommendation before your effective date. You must also wait the applicable period of time for it to become fully effective based on the manufacturer's recommendation, or as dictated by the applicable health authority, before your departure date.

Trip Interruption Benefits

• up to $200 per insured person per day for your additional and unplanned commercial hotel and meal expenses to a maximum of $2,800 if you are unexpectedly required to self-isolate or quarantine. Family coverage maximum is $400 per insured family per day to a maximum of $5,600.

Important information about cruise travel: If you have not received the vaccine, this policy does not provide any coverage for Coronavirus (COVID-19) and related complications on a cruise or at any destination included in your cruise itinerary.

Exception: For children 11 years old or younger who are not eligible to receive the vaccine, Coronavirus (COVID-19) coverage will be provided when travelling with at least one parent or guardian on the same cruise booking who has received the vaccine.

We will not pay any expenses related to the cost of and any expenses for a Coronavirus (COVID-19) test that is mandated by any body with appropriate authority (such as a government or a transportation service) for entry into or exit from a country/jurisdiction or to use its services.

* If the claim is a result of an act of terrorism, benefits may be limited. Other exclusions, limitations and conditions apply. See the policy for details.

• Up to $10 million in emergency medical benefits 
• Covers a wide range of risks – from ambulance transportation to paramedical services
• Save 50% when travelling only within Canada
• Extra meal, hotel, child care and phone call costs
• Trip break without terminating coverage
• Return to original trip destination
• Up to $3,500/insured in trip cancellation/interruption benefits
• Baggage loss, damage and delay insurance
• Flight and travel accident insurance

Trip cancellation/interruption insurance*

• Reimburses prepaid, non-refundable, non-transferable portion of a trip cancelled or interrupted by – for example:
• Unexpected medical emergency or death of insured, insured's travel companion, an immediate family member or key person
• Business meeting cancelled
• Travel advisory issued by Canadian government
• Travel visa not issued
• Travel host hospitalization or death
• Missed connection

Baggage loss, damage & delay insurance

• Up to $100 for replacement of passport, driver's licence, birth certificate or travel visa
• Up to $500 for toiletries and clothing after luggage delay of at least 10 hours
• Up to $300/trip for any item or set of items to a maximum of $1,000

Flight & travel accident insurance

• $100,000 for a flight accident and $50,000 for a travel accident that results in the insured's death, blindness or double dismemberment within 365 days
• $50,000 for a flight accident and $25,000 for a travel accident that results in the insured's blindness in one eye or single dismemberment within 365 days
• Only one benefit payment (the largest applicable) per trip
• Up to covered amount purchased to a maximum of $20,000 
• Covers a wide range of risks – from unexpected medical emergencies to cancelled business meetings
• Buy separately if this is all that's needed

For all Emergency medical and All-inclusive plans, the minimum age is 30 days. There is no maximum age.

** For family coverage, all family members must have coverage that starts and ends on the same dates. Family coverage cannot be combined with travel companion savings.

Start a quote

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Your client must confirm with the appropriate Provincial/Territorial service centre that government health insurance plan coverage will continue throughout the trip.

More than two travellers require a medical questionnaire so this application cannot continue online.

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Drug, Dental and Health Coverage

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Serious Illness Coverage

• Critical Illness Insurance
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Term Life Coverage

• Easy Issue Life
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• Guaranteed Issue Life
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• Visitors to Canada
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CoverMe Health and Life Insurance plans are only available in Canada. If you're travelling to Canada, why not explore our Travel Insurance plan?

Single-Trip All-Inclusive Travel Insurance Plan

Your ticket's booked and you're ready to go – as soon as you have travel insurance. Whether you're exploring another part of Canada or heading abroad, CoverMe ® Single-Trip All-Inclusive Plan keeps you protected with up to $10 million in emergency medical protection and much more.

Protect yourself in case you need to cancel or interrupt your trip because of a medical emergency, missed connection or jury duty.  Claim expenses for clothing and toiletries if your luggage is delayed or lost. And get coverage for a flight or travel accident that results in death or dismemberment.

See the policy for detailed information on benefits, limitations and exclusions.

Key benefits

• Up to $10 million in emergency medical benefits
• Up to the covered amount selected for trip cancellation and unlimited coverage for trip interruption
• Up to $1,500 for baggage loss or damage, or up to $500 for baggage delay
• Up to $100,000 for flight accident and up to $50,000 for travel accident insurance

Eligibility

• Canadian resident
• Covered by a Canadian provincial or territorial health insurance plan
• Save 5% for travel companion
• Click "View More" to see what conditions make you ineligible for coverage.

You are not eligible for this insurance if any of the following apply to you or anyone you want to cover:

• Travelling against the advice of a physician Have been diagnosed with a terminal illness with less than 6 months to live
• Require kidney dialysis
• Used home oxygen in the 12 months before you applied for this insurance
• Do not reside in Canada
• Not covered under a government health insurance plan (GHIP) for the entire duration of your trip

Health services

• Hospital and physician services

Transportation

• Emergency medical return home

Additional protection

• Extra meal, hotel, child care and phone call costs
• Paramedical services
• Emergency dental treatment
• Hospital allowance
• Visit to bedside if travelling alone
• Return home of children in care of insured, travel companion, pet, vehicle
• Return to original trip destination
• Return of excess baggage
• Expenses related to death
• Trip break without terminating coverage
• Terrorism coverage
• Quarantine expenses if you must unexpectedly self-isolate or quarantine after your departure
• Expenses to replace prescription drugs, hearing aids, eyeglasses
• Expenses for pet care

Conditions, limitations and exclusions apply. See policy for details.

• Exclusions for pre-existing medical conditions vary by age and rate category. Click "View More" for more details

Pre-existing conditions  

We will not pay any expenses related to any of the following pre-existing medical conditions.

If you are under 75 years old

• Any pre-existing condition that was not stable in the 3 months before your effective date
• A heart condition that was not stable or that required any form of nitroglycerine to relieve angina pain in the 3 months before your effective date
• A lung condition that was not stable or that required treatment with oxygen or prednisone in the 3 months before your effective date

If you are 75 years old or older

• Any pre-existing condition that was not stable in the 12 months before your effective date
• A heart condition that was not stable or that required any form of nitroglycerine to relieve angina pain in the 12 months before your effective date
• A lung condition that was not stable or that required treatment with oxygen or prednisone in the 12 months before your effective date

Pre-existing medical condition means any medical condition that existed before your effective date.

Medical condition means any disease, sickness or injury (including symptoms of undiagnosed conditions).

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

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

All of the above conditions must be met for a medical condition to be considered stable.

Change in medication means when the medication type, dosage, or frequency is reduced, increased, stopped, and/or new medications are prescribed.

Exceptions:

• Regular blood tests that result in routine adjustments of Coumadin, Warfarin, or Insulin as long as these medications are not newly prescribed or stopped; or,
• Changing from a brand name medication to the same dose of a generic medication.

Trip cancellation and trip interruption insurance pre-existing conditions exclusions:

If your coverage is more than $20,000.

• We do not cover any expenses for a medical condition that is not stable for 12 months before the date you buy this insurance, as indicated as the purchase date on your confirmation
• We do not cover any heart condition that was not stable or that required any form of nitroglycerine to relieve angina pain in the 12 months before the date you buy this insurance
• We do not cover any lung condition that was not stable or that required treatment with oxygen or prednisone in the 12 months before the date you buy this insurance

If your coverage is less than $20,000

• We do not cover any expenses for a medical condition that is not stable for 3 months before the date you buy this insurance, indicated as the purchase date on your confirmation
• We do not cover any heart condition that was not stable or that required any form of nitroglycerine to relieve angina pain in the 3 months before the date you buy this insurance
• We do not cover any lung condition that was not stable or that required treatment with oxygen or prednisone in the 3 months before the date you buy this insurance

Quarantine exclusions:

• We do not pay any benefits for quarantine or self-isolation in Canada as mandated by any government.
• We will not provide coverage for any pre-paid, unused travel arrangements.
• We will not cover any expenses you incur when you or your travel companion are denied entry to a country or region included in your trip when, before your departure date, there was a foreign government and/or regional travel guideline restricting entry of Canadian residents or guidelines that require self-isolation or quarantine for a specific period of time during your trip.

Other conditions, limitations and exclusions apply. 

Please see the policy for details.

Additional coverage

Trip cancellation/interruption*.

• Up to the covered amount selected for trip cancellation
• Unlimited coverage for trip interruption

Baggage loss, damage and delay*

Flight and travel accident*.

Reimburses up to the covered amount selected for trip cancellation and unlimited coverage for trip interruption – for example:

• Unexpected medical emergency or death of insured, insured's travel companion, an immediate family member or key person
• Business meeting cancelled
• Called to jury duty
• Travel visa not issued
• Travel host hospitalization or death
• Missed connection
• Default protection: This benefit provides coverage when your travel supplier ceases operations due to bankruptcy or insolvency and you do not receive the services you contracted the travel supplier to provide
• Up to $200 for replacement of passport, driver's licence, birth certificate or travel visa
• Up to $500 for toiletries and clothing after luggage delay of at least 10 hours
• Up to $300/trip for any item or set of items to a maximum of $1,500
• Up to $100,000 for a flight accident and up to $50,000 for a travel accident that results in the insured's death, blindness or double dismemberment within 365 days
• Up to $50,000 for a flight accident and up to $25,000 for a travel accident that results in the insured's blindness in one eye or single dismemberment within 365 days
• Only one benefit payment (the largest applicable) per trip

* Conditions, limitations and exclusions apply. See policy for details.

Cancel for any reason (CFAR) rider

• Our cancel for any reason rider allows you to request reimbursement for up to 50% of the pre-paid portion of your trip that is non-refundable. It is an add-on for events not covered under your current policy.
• The CFAR rider must be purchased within 7 days of booking your trip and you can cancel for any reason up to 10 days or more before your departure date

Government health travel advisory rider

• Our government health travel advisory rider gives you emergency medical insurance when the Government of Canada issues an “Avoid non-essential travel” advisory before your departure date to the country or region you are visiting because of a specific virus or disease.

When do you need to purchase the cancel for any reason (CFAR) rider?

You must purchase this rider within 7 days of booking your trip and at the same time you purchase your travel insurance.

Can I really cancel for any reason?

Yes, for any reason, so long as it’s 10 days – or more – before your departure date.

Are there any exclusions?

There are a few exclusions you'll need to consider. See the policy for full details.

What are the benefits of purchasing this rider?

Our rider will protect you in the event of a government travel advisory change before your departure date. It will cover you for emergency medical expenses related to the travel advisory.

What if I do not purchase this rider?

 Your emergency medical insurance policy will still provide coverage for emergency medical expenses that are not related to the specific virus or disease that caused the government to issue the travel advisory.

Carry your policy everywhere you travel

Keep your policy and wallet card safe, and take them with you everywhere you go on your trip. Your wallet card has contact information for our Assistance Centre, available 24/7, if you need to access your benefits while you're away. In addition, get the TravelAid mobile app , which can provide directions to the nearest medical facility and local emergency telephone numbers.

You must contact the Assistance Centre before you receive any treatment while on your trip. If you don't, you will have to pay 25% of the medical expenses that would normally be covered under this policy, and some benefits may be limited or not covered.

These plans may also work well for you

Multi-Trip All-Inclusive Plan

Get the same emergency medical and other benefits for an unlimited number of trips during the year.

Single-Trip Emergency Medical Plan

Get only emergency medical benefits, without  trip cancellation, baggage insurance and travel and flight accident insurance.

Multi-Trip Emergency Medical Plan

Get only emergency medical benefits, without  trip cancellation, interruption, baggage and travel accident insurance.

Want to compare our travel plans?

Review our travel options side-by-side.

Explore health and dental plans

Discover our CoverMe ® plans that help cover routine and unexpected health and dental costs

Top 5 questions about travel insurance

When you travel outside your home province or territory, even if you're still in Canada, there are limits on how much your government health insurance plan will pay. Costs that may not be covered include air and ground ambulance, emergency dental treatment and prescription drug expenses. Travel insurance can help with these costs, so it makes sense to have it whether you're visiting another part of Canada or another part of the world.

We can top up travel insurance offered by another insurer, adding extra days to your current coverage. You are responsible for ensuring that your current coverage is in force and allows top-ups. Your top-up coverage is subject to CoverMe ® Travel Insurance's terms and conditions.

For single-trip plans, you can add extra days of coverage while you're travelling provided that there has been:

• No event that has resulted or may result in a claim against the policy, and
• No change in your health status

You must call 1-800-268-3763 before your coverage expires and pay the appropriate premium.

For multi-trip plans, it's best to add extra days of coverage before you leave home. Simply get a top-up up to the maximum allowed by your government health insurance plan. If you need to add extra days of coverage while you're travelling, call 1-800-268-3763 and we will do our best to help you.

Do your travel insurance plans cover theft of baggage?

Manulife CoverMe’s All-Inclusive Plan (Single-Trip or Multi-Trip), Non-Medical Inclusive Plan, Youth All-Inclusive Plan, and Youth Deluxe Plan contains Baggage Loss, Damage & Delay insurance. There are benefits available in the event of baggage theft or lost/stolen travel documentation (passport, driver’s license, visa). It is important in these instances to be prudent and report any losses to the authorities so full documentation of the situation is recorded. Conditions, limitations, exclusions apply, please see the policy for full details.

Do your travel insurance plans cover flight changes?

Any plan containing Trip Cancellation and Interruption insurance contains benefits for misconnection and travel disruptions resulting from common carrier schedule changes.

Discover more

Travel insurance for pre‐existing medical conditions

Defining pre‐existing conditions and how travel is still possible.  Explore now

What is trip cancellation and interruption insurance?

We explain the difference between them and why you should consider it.  Read more

ZERO TO 100 — How to plan a multigenerational vacation

Tips to include the whole family, from babies to grandparents.  See tips

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Travelling Canadians

Whether you’re travelling within Canada, going to the USA for business or heading off overseas, Manulife travel insurance for Costco members helps protect you against the cost of unexpected emergencies that may occur. Choose from emergency medical to trip cancellation and trip interruption plans, or all-inclusive plans that best suit your needs and get the right benefits at the right rates. Plus, Exclusive members can save up to 5% on most insurance plan premiums!

All-Inclusive Plan

This plan offers protection beyond emergency medical costs, including coverage for trip cancellation and interruption, baggage loss and more.

Emergency Medical Plan

Get protection from unexpected emergency medical expenses while travelling.

Travel Canada Emergency Medical Plan

This plan protects you from unexpected emergency medical expenses while travelling within Canada, outside your home province or territory.

Trip Cancellation and Trip Interruption Plan

Add this plan to your existing travel medical coverage to protect you against an unforeseen emergency or event.

Multi-Trip All-Inclusive Plan

Protection beyond just medical costs for as many trips as you take throughout the year, including multi-trip emergency medical and multi-trip all-inclusive plans.

Multi-Trip Emergency Medical Plan

This plan offers protection the best value for emergency medical costs for as many trips as you take throughout the year.

Emergency Medical Top-Up Plan

When the duration of coverage you have isn’t long enough, this plan allows you to add extra time to your existing coverage.

Covid-19 Pandemic Travel Plan

Protection from unexpected emergency medical expenses, including Covid-19 expenses.

Ready to apply?

If you’re ready to lock in the coverage that works best for you – take the next step and get a quote for the coverage you need, then proceed to the application.

Frequently asked questions

For the best experience, please use up-to-date versions of Google Chrome or Microsoft Edge when purchasing Insurance for Costco members.

Global Affairs Canada states: "Do not rely on your provincial or territorial health plan to cover costs if you get sick or are injured while abroad. Out-of-country health care can be costly, and your government health plan may not cover any medical expenses abroad. It is your responsibility to seek information from your provincial or territorial health authority and to obtain supplementary travel insurance and understand the terms of your policy."

You can opt to purchase coverage for the entire time you are away from your province of residence or just for the portion of your trip that is away from Canada. In other words, the effective date of coverage can be either the last day you are in your province of residence or the last day you are in Canada. As government health insurance plans vary among the provinces and may not provide emergency return home benefits, you should consider coverage for the full length of your trip.

Government health insurance plans may have limits on the reimbursement of the emergency medical expenses incurred while in another province. For example, air and ground ambulance costs, emergency dental treatment and prescription drugs might not be covered outside your province of residence. For maximum protection, you should purchase additional medical coverage even while travelling within Canada.

Yes. Travel Insurance for Costco Members allows top up coverage of another insurer's plan. You are responsible for ensuring that your current coverage is in force and allows top-up. Your top-up coverage is subject to the terms and conditions of the Travel Insurance plan.

It is your responsibility to ensure that your existing plan permits top-ups.

If you are already on your trip, you can extend coverage by calling Customer Service at 1-866-707-4922 provided there has been no event that has resulted or may result in a claim against the policy and there has been no change in your health status. In addition, you must request the extension before your coverage expires and pay the appropriate premium. Extension of your coverage is subject to approval.

If you have a Multi-Trip Plan, you must top-up your coverage before you leave home, by purchasing a Top-Up plan for the additional number of days beyond the duration provided by your Multi-Trip Plan to the maximum allowed by your Canadian government health insurance plan. To top-up your coverage after you leave home, you must call us at 1-866-707-4922 .

You may purchase Travel insurance for Students. This plan has been designed for students, including post-graduate researchers.

Yes, grandchildren fall under our definition of a "child" but the dependent grandchild must be named on your confirmation and be travelling with you, and you must pay the premium for Family Coverage. All travellers covered under a family policy must be under 60 years of age.

Take action

For more information and to speak to a Licensed Insurance Advisor, call

1-866-707-4922 (Monday – Friday 8am – 8pm ET)

Or email [email protected]

10-Day Free Look

If you notify us within 10 days of your purchase date, as indicated on your confirmation, that you are not completely satisfied with your policy, we will provide a full refund if you have not already departed on your trip and there is no claim in progress. For information on refunds after the 10-Day Free Look period, please refer to the Cancellations & Refunds section in the policy.

NOTE: All dollar figures are in Canadian dollars.

* Conditions, exclusions, limitations apply. See policy for details.

** Manulife cannot guarantee the availability of the StandbyMD service indefinitely.

StandbyMD is a registered trademark™ of Healthcare Concierge Services, Inc.

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Run from Manulife

I was shopping around for travel Insurance, Costco offers a discount to card holders via manulife. $85 for a single trip 5million coverage.

I could not get much information regarding the details of the coverage. When I called the first person was friendly but didn't offer much help and offered to send me the policy which I already had.

I called back and got another rep, she was BEYOND rude and annoyed. She kept saying "I dont know what else to tell you, the first person already sent you the policy". She was becoming increasingly annoyed and hostile, raised her voice and started talking over me. So aggressive! Exactly 8pm, she hung up on me.

0 of 0 people found this review helpful. Did you?

Review topics

Don’t trust.

I always try to secure travel or any trip by buying insurance, on my last trip I was offered with all inclusive Manulife insurance for air Canada package and was in Mexico. I slipped and got hurt and was rushed to hospital. Thank God no feature but severe joint injury and dr advise me for a very limited mobility. DR said you can travel by air on wheel chair assistance. I contacted Manulife Global assistance and it was very disappointing to know that they can’t help me get out of Puerto Vallarta, as airline refused to change my date. I stayed on bed for 5 days and all my plan was messed up. This insurance company and service quality is next to none. They never leave any phone number to contact and not even replying. Be careful.

No Complaints

I expected the worse judging by many of the reviews. I had to cancel the trip my wife and I had planned due to a sudden illness. They outlined what documents I needed to supply to them which I did. I could not get a medical certificate for two months waiting to see a specialist but they held the claim open. Once I sent them the final paperwork, the reimbursement was in my bank account within two weeks. I have never had to use my cancellation insurance but it was very straightforward. Thanks Manulife.

I would not recommend them to anyone

Please don’t waste your money. It’s a scam. They are happy to take your money but when you have emergency and open a claim, they will make sure you get nothing. The process is painful and they will do anything to not pay for cover. I’m surprised they are still in this business. Please save your money and time. Find a trusted travel insurance

If I could put -5, I would

In February 2022, I ended up in Ukraine, I had an all-inclusive multi-trip policy from Manulife. In general, my return flight on February 27 was cancelled. I was stuck in a war-torn country with no way to leave there for 3 months. During that time, I repeatedly turned to Monulife for help, although I rarely had such an opportunity due to the lack of communication and the Internet. As a result, after long minutes of waiting, I received another excuse. After returning to Canada, I tried for 6 months to get at least some kind of compensation, but in the end I gave up this activity, as each time I experienced a negative experience. In general, I was not reimbursed for anything.

POOR SERVICE

These people are quick to take your money and avoid payment of claims. It has been almost five months since I filed my claim and to date even after more than twenty follow up calls / numerous emails they still have not paid! Staff memeber are horrible to deal with - no empathy - and claim they are "too busy". You work and save hard to afford a vacation and when you are forced to cancel beacuse your mother dies days before the trip - they take five months to run you around! Unacceptable!

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No resolution after two months of inquiry

Manulife representative was not clear in the requirement that each person (husband and wife) must both register for Flight Assist independently on their site. Therefore, when flights were cancelled, only one individual received the refund. Two months later and Manulife representative not rectifying the issue. They make millions of dollars and are refusing to issue $140. Poor service and customer support. Will not use again.

I received $625 so far I am still expected a total of around $3,700 CAD.

I'll need some explaintions. I'll need some explainations.

I was expecting over $3700 because I was hopsitalised in Glasgow (Scotland) for 6 days due to COVID. They were saying in the policy that they reimbursed transportation (plane, taxis, etc, hotels, starting with the days of your hospitalisation) , hotels, etc...

They wrote to me today saying that they were reimboursing me $625.00.

You can be sure that I will call them tomorrow for sure.

UPDATE: Monday January 8th 2024. Without me getting involved at all, I learn this morning that my claim / case has been escalated, that there was an error!

UPDATE: Wednesday January 10th 2024. Manulife sent me an e-mail telling me that there were some dates missing. There is no date missing whatsoever, I was so very careful at checking everything sent numerous times. This would have been my 3rd sending them things, and every single time, I have to send it (due to the confidentiality of the things sent) $16 (CAD). Sorry Manulife, be very careful and check thouroughly things that customers send you before asking them to send them again ! I talked to a guy at the Montréal's office named Philippe, he told me that it was up to the travel agency to pay for (at least) my plane tickets and hotels after my hospitalisation, that the travel agency had to call Manulife to "make arrangements" etc... This is never the case, travel agencies do NOT call insurance companies . NEVER. It is up to insurance companies to deal entirely with claims / cases. So I am not taking care of this new e-mail sent requesting dates, as I just wrote, they have everything. The claim / case could take up to 6 to 8 weeks before I get more money back from them.

They are very communicative when receiving your money, then they disappear when you file a claim

Submitted claim in June, it's now December. Every time I call Global Excel, the claims management department, I'm told, "your case manager will reach out to you" and of course they never do. Most recently I managed to get a firm commitment that "a decision will be reached within 30 days and if not, they will reach out with an update". Of course that was 35 days ago at this point. It really feels like they are hoping I'll forget.

Terrible, terrible experience

I submitted a medical claim in April 2022 and still December 2023 it has not been resolved. After many hours on the phone and on hold, many emails - they Manulife thru Global Excel - send me a letter asking me to submit all the same claim information I sent a year ago, multiple times. They created a new claim number and when I asked an agent she said they will 'move' all my submission documents to the new claim, but they still need me to submit all the same information. It is ridiculous and so frustrating. This is the works company in Canada and if I can give it a negative 10 review I would do it. Avoid Manulife, avoid Global Excel. Bd service, waste of time.

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Is Manulife travel insurance the best in 2024?

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Visiting another country or province without travel insurance can be a costly mistake. Indeed, did you know that an overnight stay in a United States hospital can exceed $14,000 CAD? Some countries might even refuse to help you if you are unable to prepay for treatment.

Travel insurance is a necessity when you are away from home . It guarantees your ability to access and pay for health care, if and when you need it. Beyond medical emergencies, travel insurance can also help with flight issues and lost luggage, amongst other things.

While you look for options, a good provider to consider would be Manulife travel insurance. What does Manulife cover? For what price? What are its pros and cons? Read our review on Manulife's travel insurance, get quotes, and see how the competitors fare.

Our 2024 Manulife travel insurance review

Manulife is one of Canada's largest insurance providers. Manulife plans are flexible offering various levels of coverage. All-inclusive plans cover most major travel risks including emergency medical care, cancellations and lost luggage.

Here are some Manulife travel insurance Canada pros and cons:

Why Manulife could be right for you:

• Coverage for a single trip or for multiple trips
• Several offers depending on your profile (Canadians traveling domestically, Canadians going abroad, visitors and students)
• Clear explanation of what the plans cover
• Up to $10 million in emergency medical benefits
• Costco Manulife travel insurance for members

Why Manulife may not be right for you:

• Medical questionnaire for those aged 60+
• If you are unable to call before seeking treatment you pay 20% of the expense out of pocket

You could compare Manulife's coverage with other best travel insurances in Canada using our comparator below.

Compare the best travel insurance plans on the market!

Is there Manulife covid travel insurance?

Manulife offers a specific plan just for Covid-19. It covers COVID-19 related emergency medical expenses and trip interruption coverage in the event you need to self-isolate or quarantine during your trip just as other popular providers like Allianz travel insurance .

The cost depends on your individual needs but here's a quick overview of what's covered by Manulife covid travel insurance.

For Canadians travelling abroad

• Emergency medical insurance for COVID-19 and related complications are covered up to $5,000,000 if you are fully vaccinated for Covid-19 by a Health Canada-approved vaccine or for up to $1,000,000 for non-vaccinated policyholders
• Trip Interruption Insurance benefits if you are required to quarantine (up to $200 per insured person per day for hotel and meal expenses (up to a maximum of $2,800) -or- $400 per insured family per day (up to a maximum of $5,600)

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.

Executive Members receive $25,000 CAD in coverage, while Gold Star and Business Members receive $10,000 CAD.

What does Manulife travel insurance cover?

Manulife's travel insurance plans operate under the name CoverMe. Protections and benefits vary depending on travellers' profiles, desidered coverage, trip duration and destination.

Here are the main CoverMe travel insurance plans available:

• CoverMe for Travelling Canadians
• CoverMe for Visitors to Canada
• CoverMe for Students

For more information, download the PDF below:

Manulife's CoverMe offers its Single-Trip Emergency Medical Plan for travel within Canada. Enjoy the same benifits of a standard Single-Trip Emergency Medical Plan, but at 50% less than the abroad plan.

Manulife CoverMe offers medical insurance plans for non-residents visiting the country for vacation, business or to visit family. It also can help cover people living in Canads who have not yet qualified for public health insurance.

Good to know

There is also the popular Manulife Single Trip All Inclusive plan for Canadians, which includes emergency medical coverage up to $10 million, trip cancellation/interruption, baggage protection, and flight/travel accident benefits. It covers expenses such as emergency treatment, paramedical services, ambulance transportation, dental treatment, medical evacuation, and more. Conditions and limitations apply to the Manulife all inclusive insurance.

Plans exist for pre-existing medical conditions and meet the requirements for the Parent and Grandparent Super Visas .

CoverMe offers travel insurance plans for students. Canadian students studying within in Canada can save 50% on their premiums. Benefits of Manulife travel medical insurance include:

• Accidental dental coverage up to $2,500
• Medical coverage up to $2,000,000 including physician services, annual medical and eye exams, hospitalisation and prescriptions drugs
• Tuition loss up to $5,000 per semester

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, hospitalisation, 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 plans can be altered specifically for traveling 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 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 age 60 or over need to complete the Medical Questionnaire to determine their eligibility and rate category.

What's not covered by Manulife 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 much does Manulife travel insurance cost?

The price of travel insurance depends on:

• Your desired coverage and otpions.
• Your deductible.
• Your waiting period.
• Your destination(s).
• The lenght of your trip.

Expert advice

Therefore it will be important to get an individual quote customised for your unique needs. Create a Manulife travel insurance login and fill in the details on the website to get more information.

You can quickly and anonymously compare prices from leading travel insurance companies using our free comparison tool below:

How to buy a Manulife travel insurance plan?

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 their website to get further information on plans.

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

How to file a Manulife travel insurance claim ?

You can submit your travel claim form through one of these platforms:

• Online on Manuvie's website
• By calling the assistance centre at the following Manuvie phone number: 1-888-881-8010
• Through the TravelAid mobile app
• For Manulife travel insurance for visitors to Canada outside North America, call +1 (519) 945-8346.

To find the status of your claims, you can call 1-888-881-8013 or 1-519-945-9246.

How to cancel Manulife travel insurance?

Manulife travel health insurance 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.

However, it's important to review your specific policy terms and conditions to understand the cancellation policy and any applicable fees or restrictions.

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.

How to contact Manulife travel insurance?

Reach the customer care at the following Manulife travel insurance phone numbers for any queries on your policy:

• For emegency assistance call: 1-877-878-0142
• For support: 1-800-268-3763

Now that you know everything you need to in order to assess if Manulife is the best choice for you, you can compare and get quotes from other travel insurances in Canada to make the best choice.

Save up to 25% on your travel insurance with our partner soNomad

Get a quote

1-888-550-8302

Alexandre Desoutter has been working as editor-in-chief and head of press relations at HelloSafe since June 2020. A graduate of Sciences Po Grenoble, he worked as a journalist for several years in French media, and continues to collaborate as a as a contributor to several publications.

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Manulife launches a two-year strategic charity partnership with mind hk.

Key initiatives aim to address misconceptions towards mental health and  empower sustained health and well-being                          

HONG KONG , May 23, 2024 /PRNewswire/ -- Manulife Hong Kong today announced a two-year strategic partnership with Mind HK, a Hong Kong -based mental health charity, to raise public awareness of the importance of mental health and to influence the development of mental health support services in Hong Kong . This partnership will help advance one of Manulife's Impact Agenda commitments to empower sustained health and well-being. Over the course of the partnership, the two organizations will work together to organize a series of awareness events, anti-stigma programs, and ongoing professional training initiatives aimed at advocating for improved mental health support within the local community.

Mental health conditions can arise from various common environmental, social, and personal stressors, such as stressful life events, illnesses, and financial difficulties . [1] It is estimated that one in seven people in Hong Kong will experience a common mental disorder at any given time [2] , yet three-quarters of those affected will not seek professional help [1] . Through this partnership, Manulife and Mind HK will collaborate to develop a series of programs designed to tackle the high prevalence of mental health issues in society.

"Manulife and Mind HK share a vision to advocate for the importance of mental health and reducing unnecessary stereotypes in the city. Collaborating with Mind HK allows us to increase awareness of mental health and improve accessibility to mental health support within the community. Our commitment to the city and its people goes beyond financial well-being; we also place significant emphasis on promoting their mental and physical wellness, thereby bringing our 'body-mind-wealth' customer proposition to life. By leveraging Mind HK's expertise and networks, we hope to change public perceptions towards mental health and foster a more inclusive society in Hong Kong ," said Patrick Graham , Chief Executive Officer of Manulife Hong Kong and Macau .

"This strategic partnership between Mind HK and Manulife Hong Kong is a milestone for Mind HK. It will allow us to expand and strengthen our service network to help more people in need of mental health support and also boost public awareness to improve mental health literacy levels and reduce the stigma around mental health. We look forward to joining hands with our like-minded partner to work towards our vision of ensuring no one in Hong Kong has to face a mental health problem alone," said Dr. Candice Powell , CEO of Mind HK.

The collaborated programmes set to roll out beginning in 2024 include:

Improving Access to Community Therapies (iACT®) A pioneering initiative developed by Mind HK, iACT® is a stepped care model for mental health services. Trained iACT® Wellbeing Practitioners are available to offer free, short-term, in-person, and remote support to local citizens experiencing mild to severe anxiety, mild to moderate depression, or emotional distress. With the support of Manulife, Mind HK aims to strengthen and support the network of graduated practitioners and enable them to effectively serve people in need.

Mind HK x Manulife Public Awareness Raising Events These events will feature expert speakers from clinical psychology, public health, and NGOs, as well as individuals who have firsthand experience with mental health conditions. They will come together to discuss mental health topics and share personal stories of recovery. The first event is scheduled to take place on June 21, 2024 , at Quarryside, a harbourfront community space located in Hong Kong's Quarry Bay district. During this event, Benjamin Au Yeung , a linguistic scholar-turned-TV host, will facilitate conversations on emotion management, joined by a clinical advisor and an ambassador from Mind HK.

"More Than a Label" Anti-Stigma Campaign This campaign aims to provide training for individuals who have faced mental health challenges, empowering them to become ambassadors capable of effectively sharing their personal experiences through campaigns, webpages, and social media platforms. This initiative is a collaboration with MINDSET Hong Kong and offers ambassadors the opportunity to showcase holistic representations of individuals who have triumphed over mental health issues. It aims to encourage the community to feel empowered through stories of people-in-recovery, educate the public about mental health, and raise awareness to reduce stigma.

Hong Kong Mental Health Conference 2025 This three-day international conference, entitled "Birth, Life, and Mental Health," aims to explore the evidence, psychology and cultural aspects of the entire lifespan and its relationship to mental health. The conference is expected to draw 1,000 attendee s.

About Manulife Hong Kong

Manulife Hong Kong has been a trusted name for more than 125 years. Since our operations started in Asia in 1897, we have grown to become one of the top-tier providers of financial services, offering a diverse range of protection and wealth products and services to over 2.5 million customers in Hong Kong and Macau . We are committed to helping make decisions easier and lives better for our customers.

Manulife Hong Kong, through Manulife International Holdings Limited, owns Manulife (International) Limited, and Manulife Provident Funds Trust Company Limited.

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 2023, we had more than 38,000 employees, over 98,000 agents, and thousands of distribution partners, serving over 35 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 Mind HK

Mind HK is a mental health charity (S88 registered – 91/16471) here to ensure no one has to face a mental health problem alone in Hong Kong . Through our work, we hope to improve awareness of mental health and mental health conditions, remove the associated stigma, and provide talking therapy, with the aim of achieving the best mental health for all in Hong Kong . Together with the existing collaboration and research efforts, we are here to support Hong Kong in becoming a global leader and regional model for public mental health.

View original content to download multimedia: https://www.prnewswire.com/apac/news-releases/manulife-launches-a-two-year-strategic-charity-partnership-with-mind-hk-302153849.html

SOURCE Manulife Hong Kong

Gender affirmation

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

Supporting your employees

Everyone experiences gender in their own unique way. Some may identify as being a woman, a man, both, neither, or anywhere along the gender spectrum. A person’s gender identity may be different from the gender associated with their sex. 1

The sense of unease caused by the mismatch between one’s assigned gender and their gender identity is referred to as gender dysphoria. 2 Gender affirmation care helps affirm one’s physical appearance with the gender they identify with.

Gender affirmation coverage *

As part of our DEI benefits offering, this coverage provides gender affirming procedures, surgeries, and treatment. This inclusive benefit can be part of your organization’s full spectrum DEI strategy, helping you attract and retain talent , and supporting your employees, in order to help them bring their most authentic selves to work. 3

One or more types of  gender-affirming surgeries were associated with a  42%  reduction in psychological distress and a  44%  reduction in suicidal ideation. 4 **

• transition-related genital and chest/breast surgeries that are not covered by the provincial/territorial health plan
• facial feminization/masculinization surgeries
• body feminization/masculinization surgeries (such as tracheal shave, liposuction, lipofilling)
• vocal cord surgery
• electrolysis or laser hair removal
• body hair or skin graft

The gender affirmation benefit is available to employees and their covered family members as part of their benefits plan *** if they are diagnosed with gender dysphoria by their physician . The diagnosis helps the benefit go to those who need it.

We know this can be a difficult time. To provid e  employees with support, we have a dedicated team who can help them with questions about their gender affirmation coverage and the claims process.

Expenses related to the reversal of gender affirmation treatments are not covered. Standard extended health care (EHC) exclusions apply. *** To learn more, sign in to the plan member site , click the ‘My benefits’ tab, then ‘View benefits booklet’.

Inclusive support

To further support your employees, consider providing a comprehensive DEI benefits plan design and holistic care so they have access to the resources that can help them bring their most authentic selves to work:

Travel within Canada is often required to access specialized gender affirming surgical procedures. 5 Consider adding In-Canada Medical Travel benefits to cover employees’ long distance travel expenses related to health care.

Those experiencing gender dysphoria may also have symptoms of mental health conditions such as depression and anxiety. 6 Consider including $2,000 to $4,000/year as the combined maximum for mental health practitioners, so employees have access to emotional and psychological support.

Review your plan’s drug coverage so that employees can have access to appropriate medication and hormone therapy.

At Manulife, embracing DEI sparks innovation and makes us  better for our clients and customers. We continuously seek fresh perspectives to enhance our products and services, to help us deliver comprehensive benefits that meet the evolving needs of our diverse customer base.

Effective September 6, 2024, Gender Affirmation will be added to all EHC plans. If you have any questions or wish to opt out of this benefit (ASO & RA plans only), please contact your Manulife representative by August 1, 2024 (for opt-out requests).

*The purpose of gender affirmation coverage is related to masculinization or femininization, not elective cosmetic enhancement. All eligible services will require a diagnosis of gender dysphoria from a physician. The coverage is offered based on plan availability and is subject to conditions, limitations and exclusions.

**2021 JAMA Network – a secondary analysis of data from the 2015 US Transgender Survey conducted across 50 states of 27, 715 transgender and gender diverse people. The exposure group included respondents who endorsed undergoing 1 or more types of gender-affirming surgery at least 2 years prior to submitting survey responses. The comparison group included respondents who endorsed a desire for 1 or more types of gender-affirming surgery but denied undergoing any gender-affirming surgeries. The data were analyzed between November 1, 2020, and January 3, 2021.

***Effective September 6, 2024, Gender Affirmation will be added to all EHC plans.

1 “About Gender Identity and Gender Expression”, Government of Canada, 2021, < https://www.justice.gc.ca/eng/csj-sjc/pl/identity-identite/about-apropos.html #:~:text=Gender-identity-is-each-persons, anywhere-along-the-gender-spectrum.> 

2 "Gender Dysphoria”, Cleveland Clinic, 2022, < https://my.clevelandclinic.org/health/articles/22634-gender-dysphoria >

3 “Survey finds 60% of employees say they’d leave current job for one with more inclusive benefits”, Benefits Canada, 2023, < https://www.benefitscanada.com/benefits/health-benefits/survey-finds-60-of-employees-say-theyd-leave-current-job-for-one-with-more-inclusive-benefits/ >

4 “Mental health benefits associated with gender-affirming surgery”, 2021, < https://www.hsph.harvard.edu/news/hsph-in-the-news/mental-health-benefits-associated-with-gender-affirming-surgery/ >

5 ”Gender-affirming health coverage by Canadian province, territory”, 2022, < https://globalnews.ca/news/8900413/gender-affirming-healthcare-province-territory-transgender/ >

6 ”Gender Dysphoria”, National Library of Medicine, 2023, < https://www.ncbi.nlm.nih.gov/books/NBK532313/#:~:text=This%20can%20further%20result%20in,of %20self%2Dharm%20and%20suicidality .>