Manulife Travel Insurance

Manulife Travel Insurance for travelling Canadians is designed for Canadian residents covered under a government health insurance plan (GHIP) who travel outside their home province or outside Canada. As of October 2023, Manulife offers eight travel insurance plans, including dedicated Youth plans for travellers under age 30 and a non-medical option for travellers who already have separate medical coverage. Emergency medical coverage reaches up to $10 million CDN under the main plans. Policies are underwritten by The Manufacturers Life Insurance Company (Manulife) and administered by Active Claims Management Inc. / Global Excel Management.

Available plans

Emergency Medical benefits (Single-Trip, Multi-Trip, Youth plans)

• Hospital and medical (combined with medical repatriation): up to the plan maximum
• Licensed ground and air ambulance transportation
• Diagnostic tests, drugs, paramedical services
• Paramedical: $70/visit, $700 combined max (chiropractor, osteopath, physiotherapist, chiropodist, podiatrist)
• Accidental dental: up to $3,000 (Single-Trip EM)
• Emergency dental for pain relief: up to $300
• Bringing someone to your bedside (round-trip economy fare)
• Childcare expenses up to $75 per day
• Return home of travel companion
• Return of vehicle to your home address
• Return to original trip destination after hospitalization
• Pet return
• Telephone call expenses
• Accommodations and meals: $350/day, max $3,500 (Emergency Medical plans)
• Trip break to return home during policy period (multi-trip plans)
• Automatic extensions: 72 hours if carrier delayed; 5 days if medically unable to travel; full hospitalization period plus 5 days
• Medical concierge services via StandbyMD network

Trip Cancellation, Trip Interruption & Non-medical benefits

Available on All-Inclusive plans, Youth plans, the standalone Trip Cancellation & Interruption plan, and the Non-medical Inclusive plan:

• Trip Cancellation: Up to the covered amount you select (varies by plan; see comparison table)
• Trip Interruption: Unlimited under Single-Trip All-Inclusive, Multi-Trip All-Inclusive, Non-medical Inclusive, and Trip Cancellation & Interruption plans; Economy fare under Youth plans
• Misconnection and travel disruption: up to $2,700
• Delayed Return: Same-class fare
• Accommodations and meals: $350/day to a maximum of $3,500 (All-Inclusive and Non-medical Inclusive); $300/$700 (Youth plans)
• Default Supplier Protection: up to $1,000,000 for 1 travel supplier default; $3,000,000 aggregate

Flight & Travel Accident insurance (All-Inclusive and Non-medical plans)

Baggage Loss, Damage & Delay insurance

Pre-existing Conditions & Rate Categories

For Emergency Medical Insurance, a pre-existing condition is covered only if it was stable during the required period before your effective date. The required period depends on your Rate Category:

For Trip Cancellation & Interruption Insurance, a pre-existing condition is excluded if it was not stable in the 3 months before the purchase or application date.

Eligibility — universal exclusions

You are not eligible for these insurance plans if any of the following apply to you (specific to each plan; verify in the policy wording):

• Travelling against the advice of a physician
• Diagnosed with a terminal illness with less than 6 months to live
• Kidney condition requiring dialysis
• Used home oxygen in the 12 months before applying
• Multi-Trip plans: age 86+ are not eligible
• Multi-Trip plans: age 60+ who do not meet medical questionnaire eligibility

Youth plans — special features

• Eligibility: at least 30 days of age and under age 30, living in Canada, covered under GHIP for the entire trip
• Trip duration: up to 365 days (Youth All-Inclusive) or up to 30 days (Youth Deluxe)
• Chaperone coverage (Youth Deluxe only): 1 chaperone per 5 youths can accompany the group; chaperone must be age 65 or younger
• Pre-paid, non-refundable trip value: up to $5,000 (Youth All-Inclusive) or $10,000 (Youth Deluxe)
• Full Emergency Medical + Trip Cancellation + Flight/Worldwide Accident + Baggage protection

Savings & features

• Travel Canada discount: Available on Single-Trip Emergency Medical for travel within Canada (outside home province). Cannot be combined with an optional deductible.
• Travel Companion discount: Two travellers purchasing together save 5%. Cannot be combined with family rate.
• Family rate: Available for travellers under age 60. Parents/grandparents with dependent children covered under a single policy. Single-Trip All-Inclusive: 2× oldest parent rate. Non-medical Inclusive: 3× oldest parent rate. Multi-Trip plans: family rate available under specific conditions.
• Children under 2: Travel free as long as they remain under 2 for the entire trip (most All-Inclusive plans).
• Optional medical deductibles (Emergency Medical plans): $500, $1,000, $5,000, $10,000 — each reduces premium proportionally.
• 10-day free look period: Cancel within 10 days of purchase for a full refund if the trip has not started and no claims are in progress.

Key exclusions

• Pre-existing conditions not stable during the required stability period (3 or 6 months — see Rate Category above)
• Conditions you knew, before the effective date, would need treatment during your trip
• Routine, elective, experimental, or investigative treatment
• Pregnancy, childbirth, or related complications (subject to policy definitions)
• Minor mental or emotional disorders
• Self-inflicted injuries
• Use of alcohol, drugs, or other intoxicants
• High-risk activities (mountain climbing, professional sports, etc.)
• War, civil unrest, or participation in illegal acts
• Acts of terrorism beyond aggregate limits ($35M for Emergency Medical; $2.5M for Trip Cancellation & Interruption)

Claims & Emergency Assistance

In an emergency, contact Manulife Travel Assistance immediately — available 24 hours a day, every day of the year:

• From Canada or USA (Emergency Medical): 1-888-881-8010
• Collect, where available: +1 (519) 945-8346

Failure to contact the Assistance Centre before receiving non-emergency treatment under an Emergency Medical plan results in a 25% co-payment on covered claim costs. If your medical condition makes it impossible to call, have someone else call on your behalf as soon as possible. For all non-emergency claims, contact the Assistance Centre as soon as reasonably possible.

You can also access the Assistance Centre and submit claims via the Manulife TravelAid mobile app (available on Google Play and the Apple App Store) or online at manulife.acmtravel.ca.

Frequently Asked Questions

What is the maximum emergency medical coverage?

Up to $10,000,000 CDN per person per trip under the main Single-Trip and Multi-Trip plans. The Youth Deluxe All-Inclusive plan offers up to $5 million; the Youth All-Inclusive plan offers up to $1 million. The Non-medical Inclusive plan does not include emergency medical coverage.

What plans are available?

Eight plans: Single-Trip Emergency Medical, Single-Trip All-Inclusive, Multi-Trip Emergency Medical, Multi-Trip All-Inclusive, Youth All-Inclusive, Youth Deluxe All-Inclusive, Non-medical Inclusive, and standalone Trip Cancellation & Interruption.

Do I need a medical questionnaire?

Travellers under age 60 are guaranteed issue at Rate Category A — no medical questionnaire required. Travellers age 60 and over must complete a medical questionnaire which determines their Rate Category (A, B, or C), affecting the stability period and the premium rate. Youth plans are restricted to applicants under age 30 with their own eligibility rules.

Are pre-existing conditions covered?

Yes — stable pre-existing conditions are covered. Rate Category A (under 60, or 60+ with standard health profile) requires 3 months of stability. Rate Categories B and C (60+ with more complex health profiles) require 6 months of stability. For Trip Cancellation & Interruption, the 3-month stability rule applies counting back from the purchase or application date.

Who qualifies for the Youth plans?

The Youth plans are for travellers who are at least 30 days of age and under age 30, living in Canada, and covered under a Canadian government health insurance plan (GHIP) for the entire trip. Youth All-Inclusive covers trips up to 365 days; Youth Deluxe covers trips up to 30 days with higher coverage limits and includes chaperone coverage.

What is the Non-medical Inclusive plan?

Designed for travellers who already have separate emergency medical coverage. It includes Trip Cancellation, unlimited Trip Interruption, Misconnection & travel disruption ($2,700), Accommodations & meals ($350/day, max $3,500), Default Supplier Protection, Flight Accident ($100,000), Travel Accident ($50,000), and Baggage Loss/Damage ($1,500) and Delay ($500). Family coverage available for travellers under age 60.

Is there a discount for travel within Canada?

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

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

For Emergency Medical plans, failure to contact the Assistance Centre before seeking treatment results in a 25% co-payment on the covered claim costs. The requirement is waived only if your medical condition made it impossible to call — in which case, someone else must notify the Assistance Centre as soon as possible.

Can I extend or top up my coverage?

Yes. Single-trip plans allow top-ups before the policy expires if no claim has been made. Multi-trip plans can also be topped up for individual trips that exceed your selected maximum trip duration. Top-ups must be purchased before the original plan expires.