Manulife Insurance

Manulife is one of Canada's largest and most trusted insurance companies, serving Canadians for over 135 years. Through OnVoyage, a licensed insurance broker, you can compare and purchase Manulife insurance plans covering a wide range of needs: emergency medical travel insurance for Canadians travelling abroad, visitors to Canada insurance for those awaiting provincial health coverage, student insurance for inbound and outbound students, and supplemental health insurance for individuals and families. Travel insurance plans are underwritten by The Manufacturers Life Insurance Company and First North American Insurance Company (FNAIC), a wholly owned subsidiary of Manulife. Health insurance plans are underwritten by The Manufacturers Life Insurance Company.

Manulife offers four insurance products available through OnVoyage:

Manulife Travel Insurance

Manulife Travel Insurance for Travelling Canadians is designed for Canadian residents travelling outside their home province or outside Canada. It provides up to $10,000,000 in emergency medical coverage, with optional trip cancellation and interruption, baggage, and flight and travel accident protection. Plans are available as single-trip or multi-trip annual with no maximum age limit. Travellers under 60 are guaranteed issue at Rate Category A with no medical questionnaire required.

Available plans

• Single-Trip Emergency Medical — Emergency medical up to $10M for a single trip of any length (top-ups available for longer durations).
• Single-Trip All-Inclusive — Emergency medical + trip cancellation/interruption (up to $3,500/trip) + baggage + flight and travel accident coverage.
• Multi-Trip Emergency Medical — Annual plan covering multiple trips; choose 4, 10, 18 or 30 days per trip (top-ups available).
• Multi-Trip All-Inclusive — Annual all-inclusive coverage; trip lengths of 4, 10, 18 or 30 days; TC&I up to $3,500/trip and $6,000/policy.
• Trip Cancellation & Interruption — Standalone protection up to $20,000 per trip; no maximum age limit.

Manulife Visitors to Canada Insurance

Manulife Visitors to Canada Insurance provides emergency medical coverage for people who are not covered by a Canadian provincial health plan — including visitors, immigrants and permanent residents awaiting provincial coverage, work permit holders, Super Visa applicants and holders, and Canadians returning after a long absence. Two plans are available: Plan A for healthy travellers without pre-existing condition needs, and Plan B covering stable pre-existing conditions. Coverage of $15,000, $25,000, $50,000, $100,000, or $150,000 is available for up to 365 days.

Available plans

• Plan A — For visitors who are healthy or do not require pre-existing condition coverage. Ages 30 days to 85 (up to $100,000); ages 30 days to 69 for $150,000 coverage.
• Plan B — Covers stable pre-existing conditions. Medical questionnaire required for applicants age 40 and over. Same coverage amounts and age limits as Plan A.

Manulife Student Insurance

Manulife Student Insurance protects students studying away from home against emergency medical costs and basic healthcare expenses. Coverage of up to $2,000,000 is available for inbound international students studying in Canada, outbound Canadian students studying abroad, and national students studying in another province or territory. Family coverage is available for immediate family members residing with the student. Applicants must be full-time students under age 40.

Available plans

• Inbound Students — International students studying full-time in Canada.
• Outbound Students — Canadian students studying outside Canada.
• National Students — Canadian students studying in another Canadian province or territory.

Manulife Health Insurance

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

Manulife Flexcare

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

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

Manulife FollowMe

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

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