Travel Plans

Do you have clients going to the U.S. for a few days or more on holidays or on business? Or perhaps travelling overseas? When leaving their province of residence, your clients should make sure they are covered for sudden and unexpected illnesses or accidents that may occur while travelling - with Manulife Travel Insurance.

This simple, affordable travel insurance plan helps protect against the cost of sudden and unexpected illnesses and accidents that can happen when travelling outside the province.

Single-Trip Plans
Multi-Trip Plans
Emergency
Medical
Travel Canada
Emergency
Medical***
All-
Inclusive
Trip Cancellation/
Interruption
Emergency
Medical
All-
Inclusive
Benefits
Maximum Age Limit*
No limit
No limit
No limit
No limit
No limit
No limit
Emergency Medical
Trip Cancellation and Interruption
Baggage Loss, Delay and Damage
Flight and Travel Accident
Features & Options
Top-Ups
Deductible Savings
Family Coverage (under age 60)**
Travel Companion Savings**

* Minimum age is 30 days old.
** Family Coverage and Travel Companion Savings cannot be combined. All family members must be under 60 years of age and have coverage that starts and ends on the same dates.
*** The Travel Canada Emergency Medical plan is offered at 50% off the regular Single-Trip Emergency Medical rate.

To be eligible for emergency medical insurance under this policy, your client must be a resident of Canada and covered under a government health insurance plan.

Your clients who are aged 60 or over will need to complete the Medical Questionnaire to determine their eligibility and rate category.

Do you have clients who make plans for a single trip at a time? Manulife's Single-Trip Emergency Medical coverage can be purchased for a trip up to the maximum allowed by the policyholder's government health insurance plan.

Travel Canada Emergency Medical Plan provides emergency medical benefits at half the premium rate when all travel is within Canada.

The All-Inclusive plan includes:

  • Emergency Medical.
  • Trip Cancellation and Interruption.
  • Baggage Loss, Damage and Delay.
  • Flight and Travel Accident.

Trip Cancellation/Interruption can be purchased separately.

Click below to learn more about the Plan's valuable features.

Emergency Medical

Up to $10 million in emergency medical coverage for:

  • Hospital and physician services.
  • Paramedical services.
  • Ambulance transportation.
  • Emergency dental treatment.
  • Preparation and return of mortal remains.
  • Emergency air transportation home.
  • Visit to bedside if travelling alone.
  • Return of children in the care of the insured.
  • Return of travel companion.
  • Additional meals and hotel.
  • Return home of vehicle.
  • Hospital allowance.
  • Child care.
  • Return of excess baggage.
  • Phone Call Expenses.
  • Pet return.
  • Trip break without terminating coverage.
  • Return to Original Trip Destination*.
  • Terrorism Coverage**.

* Applicable to the Single-Trip Emergency Medical Plan.

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

Travel Canada Emergency Medical

Up to $10 million in emergency medical coverage for:

  • Hospital and physician services.
  • Paramedical services.
  • Ambulance transportation.
  • Emergency dental treatment.
  • Preparation and return of mortal remains.
  • Emergency air transportation home.
  • Visit to bedside if travelling alone.
  • Return of children in the care of the insured.
  • Return of travel companion.
  • Additional meals and hotel.
  • Return home of vehicle.
  • Hospital allowance.
  • Child care.
  • Return of excess baggage.
  • Phone Call Expenses.
  • Pet return.
  • Trip break without terminating coverage.
  • Return to Original Trip Destination*.
  • Terrorism Coverage**.

* Applicable to the Single-Trip Travel Canada Emergency Medical Plan.

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

All-Inclusive

Includes Emergency Medical, Trip Cancellation & Interruption, Baggage Loss, Damage and Delay, Flight Accident and Travel Accident.

Overview of Emergency Medical Benefits

Up to $10 million in emergency medical coverage for:

  • Hospital and physician services.
  • Coverage for paramedical services.
  • Ambulance transportation.
  • Emergency dental treatment.
  • Preparation and return of mortal remains.
  • Emergency air transportation home.
  • Visit to bedside if travelling alone.
  • Return of children in the care of the insured.
  • Return of travel companion.
  • Additional meals and hotel.
  • Return home of vehicle.
  • Hospital allowance.
  • Child care.
  • Return of excess baggage.
  • Phone Call Expenses.
  • Pet return.
  • Trip break without terminating coverage.

Trip Cancellation and Trip Interruption Benefits

  • Up to $3,500 per insured for prepaid non-refundable expenses non-transferable to another travel date.

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 related to the travel destination.
  • Travel visa not issued.
  • The person whose guest the insured will be during trip has been admitted to a hospital or dies.
  • Missed connection.

Baggage Loss, Damage and Delay

This coverage relates to the loss of, damage to, and delay of your client's baggage and effects. This insurance provides coverage for the following expenses:

  • Up to $100 for replacement of a lost or stolen passport, driver's licence, birth certificate or travel visa.
  • Up to $500 for necessary toiletries and clothing when luggage is delayed by the carrier for at least 10 hours while the insured is en route.
  • Up to $300 per trip for any item or set of items to a maximum of $1,000.

Flight Accident and Travel Accident

Flight Accident and Travel Accident Insurance covers the following benefits:

  • If an accidental bodily injury causes the insured to die, to become completely and permanently blind in both eyes or to have two limbs fully severed above the wrist or ankle joints, in the 12 months after the accident, Manulife will pay: $100,000 under Flight Accident Insurance; or $50,000 under Travel Accident Insurance.
  • If an accidental bodily injury causes the insured to become completely and permanently blind in one eye or have one limb fully severed above a wrist or ankle joint in the 12 months after the accident, Manulife will pay: $50,000 under Flight Accident Insurance; or $25,000 under Travel Accident Insurance.
  • If the insured has more than one accidental bodily injury during the trip, Manulife will pay the applicable insured sum only for the one accident that entitles the insured to the largest benefit amount.
Trip Cancellation/Interruption

  • Up to sum purchased per insured per trip for the stand alone Trip Cancellation/Interruption Plan.
  • 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 non-refundable expenses non-transferable to another travel date.

Highlights of some of the covered events:

  • 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 trip has a medical emergency and is admitted to a hospital or dies.
  • Missed connection.

Do you have clients who travel more than once a year? They can enjoy the convenience and savings of buying a Multi-Trip Plan.

4-, 10-, 18- and 30-day plans are available, plus a 60-day option for the Multi-Trip Emergency Medical Plan. Coverage is for 12 months allowing for an unlimited number of trips outside of Canada up to the trip duration purchased, subject to residency requirements of the policyholder's government health insurance plan. Multi-Trip Plans provide the policyholder with emergency medical coverage for unlimited travel within Canada but outside of their province or territory of residence.

Is your client travelling longer? Top-Up coverage can be purchased for longer trips.

Click below to learn more about the Plan's valuable features.

Emergency Medical

Up to $10 million in emergency medical coverage for:

  • Hospital and physician services
  • Coverage for paramedical services.
  • Ambulance transportation.
  • Emergency dental treatment.
  • Preparation and return of mortal remains.
  • Emergency air transportation home.
  • Visit to bedside if travelling alone.
  • Return of children in the care of the insured.
  • Return of travel companion.
  • Additional meals and hotel.
  • Return home of vehicle.
  • Hospital allowance.
  • Child care.
  • Return of excess baggage.
  • Phone Call Expenses.
  • Pet return.
All-Inclusive

Includes Emergency Medical, Trip Cancellation & Interruption, Baggage Loss, Damage or Delay, Flight Accident and Travel Accident.

Overview of Emergency Medical Benefits*

Up to $10 million in emergency medical coverage for:

  • Hospital and physician services
  • Paramedical services.
  • Ambulance transportation.
  • Emergency dental treatment.
  • Preparation and return of mortal remains.
  • Emergency air transportation home.
  • Visit to bedside if travelling alone.
  • Return of children in the care of the insured.
  • Return of travel companion.
  • Additional meals and hotel.
  • Return home of vehicle.
  • Hospital allowance.
  • Child care.
  • Return of excess baggage.
  • Phone Call Expenses.
  • Pet return.

Overview of Trip Cancellation and Trip Interruption Benefits *

Up to $3,500 per insured per trip, and up to $6,000 per policy for Multi-Trip All-Inclusive Plans for prepaid non-refundable expenses non-transferable to another travel date.

Prepaid non-refundable expenses non-transferable top another travel date.

Highlights of some of the insured risks:

Expenses related to:

  • 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 member or key person.
  • Cancellation of a business meeting.
  • Canadian Government issues a Travel Advisory related to the travel destination.
  • Travel visa not issued.
  • The person whose guest the insured will be during the trip has a medical emergency or dies.
  • Missed connection.

Overview of Baggage Loss, Damage or Delay Benefits*

This coverage relates to the loss of, damage to, and delay of your client's baggage and effects. This insurance provides coverage for the following expenses:

  • Up to $100 for replacement of a lost or stolen passport, driver's licence, birth certificate or travel visa.
  • Up to $500 for necessary toiletries and clothing when luggage is delayed by the carrier for at least 10 hours while the insured is en route. The maximum payable for this benefit under the Multi-Trip All-Inclusive plan is $1,500 per policy.
  • Up to $300 per trip for any item or set of items to a maximum of $1,000. The maximum payable for this benefit under the Multi-Trip All-Inclusive Plan is $3,000 per policy.

Overview of Flight Accident and Travel Accident Benefits*

Flight Accident and Travel Accident Insurance covers the following benefits:

  • If an accidental bodily injury causes the insured to die, to become completely and permanently blind in both eyes or to have two limbs fully severed above the wrist or ankle joints, in the 12 months after the accident, Manulife will pay: $100,000 under Flight Accident Insurance; or $50,000 under Travel Accident Insurance
  • If an accidental bodily injury causes the insured to become completely and permanently blind in one eye or have one limb fully severed above a wrist or ankle joint in the 12 months after the accident, Manulife will pay: $50,000 under Flight Accident Insurance; or $25,000 under Travel Accident Insurance
  • If the insured has more than one accidental bodily injury during the trip, Manulife will pay the applicable insured sum only for the one accident that entitles the insured to the largest benefit amount

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

Emergency Medical Top-Up of Multi-Trip Plans

Top-Up Coverage

  • Top-Up coverage must be purchased prior to the expiry date of the Multi-trip coverage and is subject to an extra premium charge.
  • It is the responsibility of the applicant to confirm that top-up is permitted on the existing plan with no loss of coverage.
  • If the applicant is age 60 or older, the Medical Questionnaire must be completed.
  • The entire trip outside of Canada, including the top-up period must not longer than the duration allowed by the insured's government health insurance plan.

Choosing the right plan, who is eligible?

To be eligible for insurance under this policy, an applicant must be a resident of Canada and covered under a government health insurance plan.

Applicants aged 60 or over need to complete the Medical Questionnaire to determine their eligibility and rate category.

Application and Medical Questionnaire

  • Must be completed within 180 days of the effective date. However, Trip Cancellation and Interruption may be purchased up to 365 days prior to the departure date.

If a paper-based application is being used, then your client must sign the application and return it to Manulife.

Eligibility and Rate Category

At the time of application, if the applicant is:

Under Age 60: Automatically qualifies for Rate Category A and does not need to complete the medical questionnaire for eligibility or for rate category.

Age 60 or over: Must complete the Medical Questionnaire to determine eligibility (Step 1) and rate category (Steps 2 and 3).

If not eligible to purchase this insurance

Individual Medical Underwriting Plan (For Individuals Not Eligible to Purchase Manulife Financial Travel Insurance)

Individuals unable to meet the Manulife Financial Travel Insurance eligibility requirements (as stated in Step 1 of the Medical Questionnaire) may be eligible for Manulife's Individual Medical Underwriting Plan.

  • The plan provides coverage of pre-existing conditions with no required stability period.
  • Your client may call 1-877-884-8283 or (519) 251-7417 to receive a quote over the phone at any time in advance of their departure date and will be able to purchase up to 45 days in advance of the departure date/effective date.
  • For general Manulife Travel Insurance inquiries, please continue to call 1 877 654-2757.

The attached instruction sheets and post card offers more detailed information for you and your client.

Pre-Existing Condition Exclusion

The rate category determines the duration of the pre-existing condition exclusion.

Rate category Time period Manulife Travel Insurance will not pay any expenses relating to a...
    Pre-Existing condition Heart condition Lung condition
A
B
C
3 months
6 months
6 months
Not stable in the time period before the effective date of your insurance In the time period before the effective date, if any heart condition has not been stable or required any form of nitroglycerine for the relief of angina pain In the time period before the effective date, if any lung condition has not been stable or has required treatment with oxygen or Prednisone for the lung condition

Note: For the Travel Canada Emergency medical plan, no pre-existing condition exclusion applies.

Pre-Existing Condition

  • "Pre-existing condition" as defined in the policy is a medical condition that exists before the effective date of insurance.

Medical Condition

  • "Medical condition" means sickness injury, disease, or symptom; complication of pregnancy within the first thirty-one (31) weeks of pregnancy.

Stable medical condition means that all of the following apply:

  • there has not been any new symptom(s); and
  • existing symptom(s) have not become more frequent or severe; and
  • your client's physician has not determined that the medical condition has become worse; and
  • no test findings have shown that your medical condition may be getting worse; and
  • your client has not received, been prescribed, taken or had a Physician recommend any new medication, or any change in medication; and
  • your client has not received, been prescribed or had a physician recommend any investigative testing, new treatment or any change in treatment; and
  • your client has not been hospitalized or referred to a specialty clinic or specialist; and
  • Your client's physician has not advised them to see a specialist or to have further tests, and they have not undergone testing for which they have not yet received the results.

Coverage Start & End Dates

Effective Dates

Plan Coverage Starts
(Effective Date):
Coverage Ends
(Expiry Date):
Single Trip Emergency Medical & Travel Canada On the later of:

  • the departure date; or
  • the effective date as shown on the confirmation.
For Travel Canada, on the earliest of:

  • the date the policyholder leaves Canada
  • the expiry date as stated on the confirmation
  • the date the policyholder returns home.

For Single Trip Emergency Medical plans, on the earlier of:

  • the date the policyholder returns home;
  • the expiry date, as stated on the confirmation.
Single Trip All-Inclusive Trip Cancellation coverage, on the date the policyholder pays the premium for this coverage.

For all other coverages, on the later of:

  • the departure date; or
  • the effective date as shown on the confirmation
Trip Cancellation coverage, on the earlier of:

  • the departure date;
  • the date the policyholder cancels their trip.

For all other coverages, on the earlier of:

  • the date the policyholder returns home;
  • the expiry date, as stated on the confirmation.
Multi-Trip Emergency Medical On the later of:

  • the effective date as shown on the confirmation; or
  • each date the policyholder leaves their province or territory of residence; and each date they leave Canada
On the earliest of:

  • the date the policyholder returns home;
  • the expiry date, as stated on the confirmation;
  • when travelling outside Canada, the date the policyholder reaches the maximum number of days permitted for each trip, as shown on the confirmation.
Multi-Trip All-Inclusive Trip Cancellation coverage, on the later of:

  • the effective date as shown on the confirmation; or
  • the date the policyholder purchased their trip.

For all other coverages, on the later of:

  • the effective date as shown on the confirmation; or
  • each date the policyholder leaves their province or territory of residence; and each date they leave Canada
Trip Cancellation coverage, ends on the earlier of:

  • the departure date;
  • the date the policyholder cancels their trip.

For all other coverages, on the earliest of:

  • the date the policyholder returns home;
  • the expiry date, as stated on the confirmation;
  • when travelling outside Canada, the date the policyholder reaches the maximum number of days permitted for each trip, as shown on the confirmation.
Trip Cancellation/Interruption Trip Cancellation coverage, on the date the policyholder pays the premium for this coverage. On the earlier of:

  • the departure date;
  • the date the policyholder cancels their trip.
Top-Ups On the effective date as shown on the confirmation. On the earlier of:

  • the date the policyholder returns home;
  • the expiry date, as stated on the confirmation.

Refunds

  • The policyholder may cancel this insurance at any time before the effective date.
  • If the policyholder returns home early, the policyholder can apply for a refund of the premiums (minimum $25.00) for the unused coverage providing there has been or will be no claim reported or initiated against the policy, that no assistance service has been provided and that the policyholder has mailed a written refund request within 5 days of their return, along with proof of the date they actually returned home.
  • All travellers insured under the same policy must return together for a refund to be possible.

Refunds and Cancellations are not permitted on the Trip Cancellation/Interruption, All-Inclusive and Multi-Trip All-Inclusive plans.

Extensions

Extensions are available if, at the time the applicant applies for an extension, the applicant has not had an event that resulted in or may result in a claim against the policy and there has been no change in the applicant's health status, and if the applicant's trip, including the extension, does not exceed the time allowed by the applicant's government health insurance plan.

Savings

Ways to save on premiums:

  • Family Coverage
  • Travel Companion Savings
  • Travel Canada Savings
  • Deductibles

Premiums

  • Premium rates are in $CDN per person.
  • Emergency Medical Family Coverage rates are based on the eldest traveller under 60 years of age:
    • 1.5 x the premium for one parent/grandparent travelling with children/grandchildren;
    • 2 x the premium rate for two parents/grandparents travelling with dependent children/grandchildren;
    • 3 x the premium for three generations of parents/grandparents with dependent children/grandchildren.
  • Rates are subject to change without notice.
  • Premium due is based on:
    • The plan purchased;
    • The rate category; and
    • The age at the time of application.
  • Number of coverage days for Single-Trip plans must include:
    • The date of departure;
    • The date of return; and
    • The number of days in between.
  • Coverage will not take effect if the applicant's method of payment is not honoured when presented for payment.

Savings and Deductibles

Family Coverage for any emergency medical plan: All family members must be named on the confirmation and must be under age sixty (60) and a minimum of thirty (30) days of age. Family Coverage can include: i) children travelling together; ii) one applicant (parent or grandparent) travelling with their children/grandchildren; iii) applicant, spouse and children or grandchildren; iv) three generations of a single family (grandparent(s), parent(s) and their children). For Family Coverage all family members must have coverage that starts and ends on the same dates.

5% Travel Companion savings for any emergency medical plan: This is available on all medical plans.

50% Travel Canada savings: Available when purchasing a Single-Trip Emergency Medical plan and all the travel is within Canada.

Savings combinations: All savings, except the Family Coverage and Travel Companion savings, can be combined.

Deductible savings options: Not applicable to the Travel Canada and All-Inclusive plans.

All published rates include a zero deductible. The following deductible options are available for Single-Trip and Multi-Trip Emergency Medical plans only:

Deductible Options* ($CDN) $500 $1,000 $5,000 $10,000
Applicable Savings 10% 15% 30% 35%

To Calculate Premium for a Top-Up or Extension of Coverage

Determine the number of days of coverage required, and use the premium amount equal to the total trip length from the appropriate Rate Category.

Purchasing Rate Category
Up to Age 60 Rate Category A
Age 60 and over Top-up or Extension of a Manulife Travel Insurance plan or top-up another insurer's plan. For top-up, the applicant must complete the Medical Questionnaire to determine eligibility and appropriate rate category. For an extension, use the same rate category used at the time of the initial purchase.

Important Reminders for your clients:

  • The Wallet Card is found in the policy.
  • The Wallet Card and Manulife Financial Travel policy should be kept with the insured at all times when travelling.
  • The policy includes telephone numbers in case of a medical emergency or if an extension of coverage is required.

Don't forget to tell your client...

  • 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 completed application form and payment. In the event we are unable to process payment, coverage will not be in effect.
  • To contact the Assistance Centre before receiving treatment while on a trip. Manulife Financial Travel Insurance has a 20% coinsurance provision that may limit the benefits if a call is not received. In addition, specific covered benefits may be limited or not covered if the Assistance Centre has not been contacted.
  • To read the policy with particular attention to "pre-existing condition" and "hospitalization for a pre-existing condition" and other exclusions that apply to the coverage.
  • They may be required to provide proof of coverage. Always carry their policy, wallet card or confirmation of coverage with them.

For Client Use

Below, organized by type of document, are tools and materials Manulife has prepared to help your clients better understand Manulife products, feel confident that their Manulife products will meet their needs and help them understand some of the plans' finer details, such as rates.

Travelling Canadians
Other Travel Marketing Materials

For Advisor Use

Below, organized by type of document, are tools and materials Manulife has prepared to help you, the advisor, explain Manulife products and match them to your client needs.

Administration
Web Links

Travelling Canadians

Advisor Direct Deposit Form