Canada’s largest daily newspaper has just teamed up with Canada’s largest insurer, to make Manulife Travel Insurance available to readers of The Toronto Star. Now it’s more convenient than ever to help protect your family against unexpected medical costs when travelling. Having it could save you hundreds of dollars in expenses not covered by your existing plans.

FEATURES FOR TRAVELLING CANADIANS INCLUDE:

  • Standby MD Medical Concierge Service 24/7
  • No maximum age limits
  • Discounts available for travel companions
NEED HELP?

Speak to a Manulife customer service representative.

 1-844–901-7827 (STAR)

Monday to Friday,
8 am to 8 pm ET

OR email anytime:

CHOOSE THE PLAN THAT'S RIGHT FOR YOU.

Single-Trip

Multi-Trip

Trip Cancellation
& Interuption

Top-Up

Visitors to Canada

Students

Single-Trip Emergency Medical Plan

This plan provides up to $10 million in coverage for covered expenses incurred as a result of unexpected emergency medical care required during your trip outside of Canada. Coverage is available to individual travellers or as a family plan.

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Single-Trip Travel Canada Emergency Medical

If you're travelling within Canada and outside your home province, you can purchase this plan. It features the same coverage as the Single-Trip Emergency Medical Plan for half the cost. Coverage is available to individual travellers or as a family plan.

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Single-Trip All-Inclusive Plan

This plan provides broader protection than the Single-Trip Emergency Medical Plan above, as it combines all the coverage of that plan, plus...


   Extra all-inclusive benefits

  • Trip Cancellation & Interruption*

    provides reimbursement up to a maximum of $3,500 per insured single trip if you need to cancel or interrupt your trip earlier than planned due to a covered event.

  • Baggage loss, damage and delay insurance

    provides reimbursement of up to $1,000 per trip for loss or damage to your baggage, and up to $500 per trip if your luggage is delayed by your common carrier for at least 10 hours.

  • Flight accident insurance

    provides up to $100,000 for death or dismemberment.

  • Travel accident insurance

    provides up to $50,000 for death or dismemberment as a result of an accidental bodily injury during your trip.

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*If you must cancel or interrupt your trip due to an unexpected covered event, this plan provides limited coverage for your non-refundable, prepaid and unused travel expenses.

Eligibility

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To be eligible for any Emergency Medical coverage, you must, as of the date you apply for coverage and the effective date of coverage:

  • be a resident of Canada and covered under a government health insurance plan for the entire duration of your trip;
  • be at least thirty (30) days of age;
  • not have been advised by a physician to avoid travel at this time;
  • not have a terminal illness for which a physician has estimated you have less than six (6) months to live;
  • not have metastatic cancer (cancer that has spread from the original site to another place in your body);
  • not require kidney dialysis;
  • not have been prescribed or used home oxygen in the last twelve (12) months;
  • never have had bone marrow, stem cell or organ transplant (except corneal transplant)

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

Multi-Trip Emergency Medical Plan

This plan provides coverage for an unlimited number of trips per year.

Here are some details:

  • Up to $10 million in coverage per trip for covered expenses incurred as a result of unexpected emergency medical attention required during your trips.
  • Each trip can be a maximum of 4, 10, 18, 30 or 60 days - you choose the trip duration that best suits your needs when you apply. You also have the option to add days to a given trip (see Top-Up).
  • Typically, if you travel twice in one year, a Multi-Trip Plan may cost less than Single-Trip Plans.

Apply Now »

Multi-Trip All-Inclusive Plan

The all-inclusive plan provides broader protection than our Multi-Trip Emergency Medical Plan above because it combines all of that Plan, with your trip duration choice of 4, 10, 18 or 30 days per trip, plus...


   Extra all-inclusive benefits

  • Trip Cancellation & Interruption*

    provides reimbursement up to a maximum of $3,500 per trip and $6,000 per policy, if you need to cancel or interrupt your trip earlier than planned due to a covered event.

  • Baggage loss, damage and delay insurance

    provides reimbursement of up to $1,000 per trip and $3,000 per policy for loss or damage to your baggage, and up to $500 per trip and $1,500 per policy if your luggage is delayed by your common carrier for at least 10 hours.

  • Flight accident insurance

    provides up to $100,000 for death or dismemberment.

  • Travel accident insurance

    provides up to $50,000 for death or dismemberment.

Apply Now »

*If you must cancel or interrupt your trip due to an unexpected covered event, this plan provides limited coverage for your non-refundable, prepaid and unused travel expenses.

Eligibility

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To be eligible for any Emergency Medical coverage, you must, as of the date you apply for coverage and the effective date of coverage:

  • be a resident of Canada and covered under a government health insurance plan for the entire duration of your trip;
  • be at least thirty (30) days of age;
  • not have been advised by a physician to avoid travel at this time;
  • not have a terminal illness for which a physician has estimated you have less than six (6) months to live;
  • not have metastatic cancer (cancer that has spread from the original site to another place in your body);
  • not require kidney dialysis;
  • not have been prescribed or used home oxygen in the last twelve (12) months;
  • never have had bone marrow, stem cell or organ transplant (except corneal transplant)

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

Trip Cancellation & Interruption

Already have travel medical coverage? Help protect your investment. You've spent your valuable money to purchase your trip. But what if something unexpected happens, forcing you to cancel your trip or return home early? This plan can make a tough situation easier and help cover the costs associated with cancellation or interruption of your trip.

   Benefits*

  • Coverage up to the sum purchased for eligible expenses incurred before your departure date and actual costs of eligible expenses incurred on or after your departure date.
  • Reimbursement for a covered event (see below) of the prepaid, unused portion of the trip that is non-refundable and cannot be moved to another date, should you need to cancel your trip or your trip is interrupted.

   Highlights of some of the covered events:

  • Your or your travel companion's unexpected medical condition or death.
  • Unexpected medical emergency or death of your or your travel companion's immediate family or key person.
  • Cancellation of a business meeting that was the purpose of your trip.
  • A job loss by you, your spouse, your travel companion or travel companion's spouse.
  • Road closure, weather conditions or a traffic accident causes you to miss your flight or interrupts your trip.
  • The person whose guest you will be during your trip has been unexpectedly admitted to hospital or passes away.

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*If you must cancel or interrupt your trip due to an unexpected covered event, this plan provides limited coverage for your non-refundable, prepaid and unused travel expenses.

Eligibility

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To be eligible for stand-alone Trip Cancellation & Trip Interruption Insurance, 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 of residence

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

Top-Up coverage

Top-Up coverage allows you to purchase coverage for extra days if:

  • You already bought a Multi-Trip Plan from Manulife.
  • You bought a similar product (often called an "annual plan") from another insurer.
  • You have emergency medical coverage through your credit card provider and/or employer.

For example, suppose you bought a Multi-Trip Plan with up to 10 days of coverage per trip. However, during your period of coverage, you planned a trip for 15 days. In order to have emergency medical coverage for the whole 15 days, you can purchase a Top-Up from Manulife for the 5 extra days of that particular trip.

If you would like to buy this product to add to the coverage on an annual plan from another insurer, or to travel insurance provided by your credit card provider, it is your responsibility to confirm that top-up coverage is permitted on your existing plan and any terms and conditions that may apply as a result. The Top-Up Plan has all the benefits of the Single-Trip Emergency Medical Plan.

Apply Now »

Eligibility

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To be eligible, you must, as of the date you apply for coverage and the effective date:

  • be a resident of Canada and covered under a government health insurance plan for the entire duration of your trip;
  • be at least thirty (30) days of age;
  • not have been advised by a physician to avoid travel at this time;
  • not have a terminal illness for which a physician has estimated you have less than six (6) months to live;
  • not have metastatic cancer (cancer that has spread from the original site to another place in your body);
  • not require kidney dialysis;
  • not have been prescribed or used home oxygen in the last twelve (12) months;
  • never have had bone marrow, stem cell or organ transplant (except corneal transplant)
  • already bought a Multi-Trip Plan from Manulife; or bought a similar product (often called an "annual plan") from another insurer or have emergency medical coverage through your credit card provider and/or employer

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

Visitors to Canada

Do you have visitors coming from another country? Canada does not pay for hospital or medical services for visitors. The Government of Canada recommends that visitors get health insurance to cover any medical costs. You can help them and yourself with the financial protection of a Visitors to Canada Plan. Also, if you or someone you know is going to apply for a Parent or Grandparent Super Visa, this plan meets the mandatory Super Visa insurance requirements.

Single-Trip

Helps cover many expenses related to a medical emergency for visitors while in Canada, including:

  • Emergency medical attention
  • Ambulance transportation
  • Emergency medical return home
  • Expenses related to the insured's death
  • Paramedical services, like licensed physiotherapists, chiropractors, podiatrists and more
  • Emergency dental treatment
  • And much more

You can choose from one of 5 maximum coverage amounts: $15,000; $25,000; $50,000; $100,000; or $150,000.

Apply Now »

Trip Interruption

Add this option to the above coverage to help protect visitors from expenses related to the need to return home due to an unexpected event.

Apply Now »

Eligibility

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Who can purchase?

  • Visitors to Canada;
  • Canadians who are not eligible for benefits under a government health insurance plan;
  • Persons who are in Canada on a work visa or Parent and Grandparent Super Visa;
  • New immigrants who are awaiting Canadian government health insurance plan coverage.

To be eligible for coverage, the visitor to Canada must not:

  • be travelling against the advice of a physician;
  • have been diagnosed with a terminal illness with less than 2 years to live;
  • have a kidney condition requiring dialysis;
  • have used home oxygen during the 12 months prior to the date of application;
  • have been diagnosed with Alzheimer's disease or any other form of dementia;
  • be under 30 days or over 85 years of age (over 69 years of age for $150,000 Emergency Medical coverage);
  • reside in a nursing home, home for the aged, other long-term care facility or rehabilitation centre; and/or
  • require assistance with activities of daily living.

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

Students away from home

Anything can happen during time away from home. If you or your child will be studying abroad or in another province, that means many months away from home. Medical coverage is important, not just in case of emergencies, but for some routine medical services as well as the reimbursement of tuition in the event that a medical emergency prevents completion of a semester.

This plan is also available for students from another country studying in Canada.

Apply Now »

Coverage up to $2 million includes:

Emergency Medical Benefits Wellness Benefits
  • Hospital expenses
  • Physician services
  • Diagnostic services
  • Ambulance transportation
  • Prescription drugs
    (up to a 30-day supply)
  • Paramedical services,
    like licensed physiotherapists,
    chiropractors, podiatrists and more
  • Emergency dental treatment
  • And much more
  • Annual medical examination
  • Annual eye examination


Eligibility

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To be eligible, you must be:

  • under the age of 40; and
    • a full-time student with proof of admission or enrolment in a recognized institute of learning; or
    • a student completing post-doctoral research in a recognized institute of learning; or
    • dependant(s) and/or the spouse of and living with a student covered under this insurance, and named on the application; and
  • purchasing coverage:
    • as an inbound student, when your home country is not Canada and you are temporarily residing in Canada; or
    • as an outbound student, when your home country is Canada, and you are covered under a government health insurance plan while temporarily residing outside Canada, or
    • as a national student, when your home country is Canada, and you are covered under a government health insurance plan while you are temporarily residing in another Canadian province or territory

YOU ARE NOT ELIGIBLE FOR ANY COVERAGE UNDER THIS POLICY IF YOUR TRIP IS BOOKED OR UNDERTAKEN:

  • contrary to medical advice;
  • while you require kidney dialysis;
  • if you have used home oxygen at any time during the twelve (12) months prior to the date of application; and/or
  • you have been diagnosed with a terminal illness with less than two (2) years to live.

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