Manulife Travel Insurance
Medical coverage for your visit to Canada
Who can apply?
- Visitors to Canada
- Canadians not eligible for benefits under a government health insurance plan
- People coming to or in Canada on a work visa or Super Visa for parents and grandparents
- New immigrants awaiting coverage under the government health plan
Ages 30 days to 85 years. More than one person can be insured under the same policy, provided the start and expiry dates are identical for all applicants.
Benefits summary
- Hospital and medical services
- Professional services (chiropractor, physiotherapist, etc.)
- Ambulance transportation
- Emergency dental treatment
- Bring someone to your bedside (up to $3,000)
- Meals, hotel, calls, and taxi (up to $1,500)
- Repatriation of remains (up to $7,500)
- Evacuation / air ambulance
- Return of children to their home country
- Prescription drugs (up to $500 / 30 days)
- Return of excess baggage (up to $300)
- Secondary trips outside Canada included
Plans
Basic
Essential emergency medical coverage. No coverage for pre-existing conditions. No medical questionnaire required.
- ✓Emergency medical care up to the selected limit
- ✓Prescription drugs up to $500
- ✓Extended medical care up to $5,000
- ✕No dental coverage
- ✕No accidental death insurance
- ✕No pre-existing condition coverage
Standard
Covers pre-existing conditions that did not exist within the 180 days prior to the effective date. No medical questionnaire required.
- ✓Emergency medical care up to the selected limit
- ✓Dental up to $4,000 accidental + $300 pain relief
- ✓Accidental death and dismemberment included
- ✓Extended medical care up to $5,000
- ✓Prescription drugs up to $500
Enhanced
Covers pre-existing conditions stable for 180+ days. Medical questionnaire required for ages 55–85.
- ✓Emergency medical care up to the selected limit
- ✓Dental up to $4,000 accidental + $300 pain relief
- ✓Accidental death and dismemberment included
- ✓Extended medical care up to $5,000
- ✓Pre-existing conditions stable 180+ days
Available policy limits: $15,000 · $25,000 · $50,000 · $100,000 · $150,000 · $200,000
All plans, all ages
Hospitalization for a pre-existing condition: no expenses will be paid related to a pre-existing condition for which the insured was hospitalized more than once, or for at least 2 consecutive days, in the 12 months prior to the effective date.
Eligibility requirements
You are NOT eligible for coverage if any of the following apply:
- Traveling against a physician's advice
- Diagnosed with a terminal illness with less than 2 years to live
- Diagnosed or treated in the last 2 years for pancreatic, lung, brain, or liver cancer
- Diagnosed with any type of metastatic cancer
- Has had or is awaiting an organ or bone marrow transplant (except corneal transplant)
- Diagnosed with congestive heart failure
- Prescribed or used home oxygen in the last 12 months
- Requires kidney dialysis
- Resides in a nursing home or long-term care facility
- Is 86 years of age or older
Automatic extensions
- Up to 72 hours if your common carrier is delayed
- Up to 5 days if a medical emergency prevents travel (without hospitalization)
- Full hospitalization period plus up to 5 days after discharge (maximum 365 days) if hospitalized on the expiry date
Secondary trips outside Canada
Coverage is provided for secondary trips outside Canada, subject to the following:
- Time spent outside Canada cannot exceed 30 days per policy, or 49% of your total coverage days — whichever is less
- Trips to your home country are not covered under this provision
What if I exceed the side-trip limit?
Coverage is suspended — not cancelled — for the remainder of the side trip beyond the allowed limit. Your policy's expiry date does not change, and coverage automatically resumes once you return to Canada.
Refunds
- Full refund up to the effective date if no trip has been taken
- Partial refund for early return to your home country, provided no claim has been paid or denied
- If a claim has been paid or denied, a $300 handling fee per claim applies for withdrawal
- All refunds are subject to Manulife's approval
Policy documents
Need to file a claim?