Manulife Financial Travel Insurance COVID-19

Effective May 28 2021

Plan Highlights

  • No restriction for location including cruises

  • Up to $5,000,000 CND for medical expenses including COVID-19 if fully vaccinated

  • If not vaccinated:
    • Up to $1,000,000 CND for medical expenses related to COVID-19.

    • Up to $5,000,000 CND for medical expenses not related to COVID-19.

  • No Additional Eligibility questions for COVID-19 Coverage

  • One of the best plans for clients taking two or fewer medications for high blood pressure in additional to Cholesterol medication

  • Rated for Cancer Diagnosis and Treatment for only 1 year

  • Medical concierge services available- Click Here for More information

COVID-19 Coverage

Factor Details
Overall maximums
  • If Fully Vaccinated – Up to $5,000,000 CAD of covered expenses incurred by you for treatment required by you during your trip if your medical emergency is related to COVID-19 and related complications.
  • If NOT Fully Vaccinated – Up to $1,000,000 CAD of covered expenses incurred by you for treatment required by you during your trip if your medical emergency is related to COVID-19 and related complications.
Trip interruption coverage If You are quarantined:

  • Up to $500 for one-way economy to return home in the event your are delayed behind your originally scheduled return
  • Up to $200 for additional meals and accommodation to a max of $2,800(Family Plan Maximums are $400 per day for a total of $5,600)


Factor Details
Deductible options available for savings:
  • NO Deductibles are Available
Plans Available:
  • Single Trip Coverage and Top Up Coverage
Rate Information:
  • Rates based on age at booking.
  • No minimum policy fee.
Age Restrictions:
  • No age restrictions.
Changes Prior to Effected Date:
  • Dates can be changed up until Effective Date
  • Policies can be cancelled up until Effective Date
  • No change or cancellation fees
Refunds for Returning Early:
  • Subject to no claims being made against your policy
  • Refund amount minimum $25 per Policy
  • Must supply MQIB with Proof of Return
Extensions after effective date:
  • Subject answering no the 3 questions below
    • Have you had any claims, or do you plan to submit a claim against your policy?
    • Have you had any changes to your health or medication since departing?
    • Have any Pre-Existing Medical Conditions NOT remained stable?
  • Minimum amount of $25 per Policy


For a Full List of Benefits Click Here

Benefit Details
Changes Prior to Effected Date:Overall Maximum:
  • Up to $5 Million for Non- COVID-19 expenses
Rate Information:Emergency Medical Coverage:
  • For accidents, injury or sickness – coverage Includes ambulance transportation, hospital accommodation and care, diagnostic testing, physician and nursing services, surgery, medical supplies, equipment and medication
Pre-Existing Medical Conditions:
  • Covered if your condition meets the “stable and controlled” requirements of the plan you qualify under for all of those benefits
Emergency Return Home:
  • If your treating physician(s) insurance company’s medical advisor(s) recommends that you return home because/after of your emergency
Repatriation of Remains:
  • $5,000 to have the remains returned if you should pass away while you are away.
Return of Companion:
  • If your are returned via emergency return home or repatriation benefit , we will return your travel companion if they are insured under the same company
Accidental Dental Coverage:
  • Up to $3,000 if you suffer an accidental blow to the mouth(Up tp $1,500 while on trip and up $1,500 when back home)
  • Up to $300 if you require relief of dental pain
Pet Return:
  • Up to $500 for return of Cat and Dog.
Vehicle Return:
  • Up to $3,000 charged by a commercial agency to bring your vehicle home.
Trip Break:
  • Trip break available on single trips with prior approval to return home for special events
Meals, Hotel and Taxi:
  • If an Emergency prevents you from returning as planned the insurance company will pay up $200 per day up to $2000 for extra meals hotel and taxi fares
Hospital Allowance:
  • Up to $50 per day up to $300 for Telephone, TV Rental and Parking
Automatic Extension:
  • Up to 72 hours for Delay of Common Carrier or Vehicle
  • If you or traveling companion are hospitalized
  • Up to 5 days Medical Emergency that prevents you from departing on schedule
  • If you are quarantined past your scheduled return date your coverage will extend for the period of your quarantine plus an additional 72 hours.
Please Note:
  • All benefits must be pre-approved by the insurance company by calling the phone number provided on the confirmation of insurance/Wallet Card provided upon the purchase of the policy.
  • In an emergency and prior to seeking medical assistance it is extremely important that you call the insurance company assistance centre phone number located on your wallet card before seeking treatment, or as soon as you are physically able.


Policy Wording

  • The Policy Wording has a full explanation of the benefits available and the exclusions as they apply to all travelers.
  • We strongly recommend you take the time to read through it and let us know if you have any questions or concerns.
  • The policy wording for this plan can be found under the policy documents section near the top of the page as well as the links below. We have linked each section to the specific page the the section starts on to make it easier for you.
  • Eligibility – Starts on page 4 – Click Here
  • Beginning and End of Coverage – Starts on page 5 – Click Here
  • Extensions – Starts on page 5 – Click Here
  • Cancellation and Refunds – Starts on page 5 – Click Here
  • Benefits – Starts on page 6 – Click Here
  • Exclusions and Limitation – Starts on page 7 – Click Here
  • Coordination with Other Insurance – Starts on page 9 – Click Here
  • Claim information – Starts on page 10 – Click Here
  • Statutory Conditions – Starts on page 11 – Click Here
  • Definitions – Starts on page 11 – Click Here
  • Privacy – Starts on page 12 – Click Here

Underwritten by Manulife

Premium in Canadian Dollars

Read your policy and know what you have purchased before you depart on your trip.

This page contains only a consolidated and summary description of all current benefits, conditions, limitations and exclusions. A Policy Document containing the complete Policy Wording with all terms, conditions and exclusions will be included in the fulfillment kit.

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