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Manulife Travel Insurance

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Comprehensive travel insurance for visitors to Canada, new immigrants, and foreign workers. Choose from a variety of coverage amounts and deductible options with Plan A (no medical questions) or Plan B (medical questions required for enhanced benefits).

Our Review

5
Recommended

Manulife is the largest life insurance provider in Canada and one of the largest life insurers on the entire planet. However, while size is not always synonymous with quality, Manulife's dedication to setting the pace for digital innovation in life insurance means their product is also one of the country's best. The company was among the first providers life insurers to offer electronic policy delivery, although e-policies have since become more common. The company's underwriting process utilizes predictive analytics to approve up to 80 million dollars in life insurance coverage without the need for medical underwriting. The company's Manulife Vitality program - mentioned below - rewards policyholders for maintaining a healthy lifestyle.

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Benefits & Eligibility

Emergency Medical Benefits

Maximum Coverage: $15,000; $25,000; $50,000; $100,000; $150,000
Deductible Options: $0, $75, $500, $1,000, $2,500, $5,000
Hospital Services: Emergency hospital confinement (semi-private room), medical/surgical services, X-rays, laboratory services, operating room use, anesthesia, surgical dressings, outpatient emergency services
Physician Services: Medical care in or out of hospital
Private Duty Nursing: Licensed private nurse services while hospitalized when medically necessary
Prescription Drugs: 30-day supply limit, must be prescribed by physician and available only by prescription
Medical Appliances: Rental/purchase of hospital bed, wheelchair, braces, crutches, other medical equipment (whichever costs less)

Paramedical Services

Coverage: Licensed chiropractor, osteopath, acupuncturist, chiropodist, physiotherapist, podiatrist
Limit: Up to $70 per visit, maximum $700 for covered injury
Restriction: Must be someone other than yourself or immediate family member

Emergency Transportation

Ground Ambulance: Local licensed ambulance to nearest appropriate medical facility
Air Transportation: Emergency evacuation to nearest appropriate facility or Canadian hospital (must be pre-approved)
Medical Repatriation: Return home for continued treatment when recommended by treating physician or medical advisors

Dental Coverage

Emergency Pain Relief: Up to $300
Accidental Dental Injury: Up to $4,000 for repair/replacement of natural or permanently attached artificial teeth due to accidental blow to mouth

Additional Benefits

Death Benefits: Up to $3,000 for body preparation and return home, OR burial/cremation at place of death
Family/Friend Transportation: Return economy airfare for one person if hospitalized 5+ days or death occurs
Childcare Services: Up to $100/day (max $300) for attendant care when hospitalized
Return of Children: Economy airfare home for children under your care if hospitalized 24+ hours
Hospital Allowance: Up to $100 per 24-hour period (max $300) for telephone/television expenses after 72+ hours
Meals & Accommodation: Up to $150/day (max $1,500) for extra expenses due to medical emergency
Trip Break Benefit: Suspension of coverage for temporary return home without policy termination

Travel Accident Insurance

Death/Dismemberment: Up to $50,000 for loss of life, both eyes, or two limbs
Single Loss: Up to $25,000 for loss of one eye or one limb
Coverage Period: Must occur within 365 days of accident

Optional Trip Interruption Insurance

Single Coverage: Up to $1,500
Family Coverage: Up to $5,000
Covers: Non-refundable trip portions, additional accommodation/meal expenses, one-way return airfare

Eligibility

Who Can Apply

Visitors to Canada
Canadians not eligible for government health insurance
Persons on work visa or Parent and Grandparent Super Visa
New immigrants awaiting Canadian government health coverage

Age Requirements

Minimum: 30 days old
Maximum: Under 85 years (under 70 years for $150,000 Emergency Medical coverage)
Family Coverage: Parent(s) must be under 60 years old

Health Requirements - You Are NOT Eligible If

Travelling against physician's advice
Diagnosed with terminal illness (<2 years to live)
Kidney condition requiring dialysis
Used home oxygen in 12 months prior
Diagnosed with Alzheimer's or dementia
Reside in nursing home/long-term care/rehabilitation center
Require assistance with daily living

Application Requirements

Coverage period cannot exceed 365 days
Medical questionnaire required for Plan B applicants 40+ years
48-hour waiting period if purchased after arrival in Canada (waived for injuries)
Deductible options: $75, $500, $1,000, $2,500, $5,000 per claim
Pre-existing conditions: Plan A - no coverage within 180 days; Plan B - must be stable 180 days before effective date

Policy Documents

Brochure

Product information and details

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Policy Wordings

Complete policy terms and conditions

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