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Manulife Financial CoverMe Travel Insurance Review 2024

Updated: Feb 28, 2024, 7:30am

Manulife Financial’s CoverMe Travel Insurance offers a generous $10 million in emergency medical coverage, and mature travellers will benefit from the emergency medical coverage for pre-existing conditions. But if you’re looking for high levels of trip insurance, you might want to consider other options.

  • Generous emergency medical coverage
  • Coverage for pre-existing conditions
  • COVID-19 Pandemic Travel Plan
  • Lengthy medical questionnaire
  • No CFAR coverage
  • Lower trip benefits than other plans

Manulife Financial CoverMe Travel Insurance

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Manulife Financial Corporation is a multinational financial services company offering financial advice, insurance and wealth management services.

Headquartered in Toronto with offices in Canada, Asia and Europe, as well as in the U.S. under the name John Hancock, Manulife started selling insurance in 1887. Today the company offers a bevy of insurance products, including health, life, mortgage protection and travel insurance.

Manulife Travel Insurance is underwritten by The Manufacturers Life Insurance Company (Manulife) and First North American Insurance Company (FNAIC), a wholly-owned subsidiary of Manulife.

Here are the key types of travel insurance coverage offered in Manulife travel insurance plans:

  • Emergency medical insurance: If you get ill or are injured on your trip, travel medical insurance can pay for emergency medical expenses, up to the coverage limits in your plan. These expenses can include doctor and hospital bills, medication and lab work.
  • Trip cancellation insurance: If you cancel a trip for a reason listed in your travel policy, such as you or your travelling companion becoming ill, weather conditions causing a massive delay or you losing your job,   trip cancellation insurance can reimburse you for prepaid, non-refundable costs.
  • Travel interruption or delay insurance: Trip interruption insurance can pay for a last-minute flight home in an emergency and money that you lose by cutting a trip short, such as non-refundable activities and hotel stays. If your flight is delayed , your insurance can cover the cost of incidentals, such as meals or accommodations, after a specified period of time, like 10 or 12 hours.
  • Baggage insurance: Baggage travel insurance can compensate you up to your policy limits if your luggage is lost or stolen. It will reimburse the depreciated value of your suitcases and what you packed. If your bags are delayed, it can reimburse you for the cost of the necessities you’ll have to buy to tide you over. It also extends to your personal belongings, if lost, damaged or stolen.
  • Travel accident insurance. This coverage offers compensation in the event of accidental death or catastrophic injury from an accident during your trip. Flight Accident Insurance covers injury while you’re on a commercial plane, during a connection or in an airport. Travel Accident Insurance covers death or dismemberment, including the loss of limbs or eyesight, while on your trip.

Manulife Financial Travel Insurance offers four plans:

All Inclusive: This is the most comprehensive plan offered by Manulife Financial that includes coverage for unforeseen medical emergencies, trip cancellation and interruption, travel accident, and baggage loss, damage and delay.

According to Manulife Financial, emergency medical treatment includes:

  • Hospital accommodation up to a semi-private room
  • Private duty nursing
  • Rental or purchase of a hospital bed, wheelchair, brace, crutch or any other medical appliance
  • Diagnostic tests
  • Prescription drugs and medication
  • Paramedical services, such as care from a chiropractor, osteopath, physiotherapist, chiropodist or podiatrist, up to $70 per visit for a maximum of $700 per covered injury
  • Ambulance transportation
  • Emergency dental due to a blow to the face (up to $3,000: $1,500 on your trip and $1,500 once you return home) or,
  • Emergency dental due to pain, up to $300

Medical benefits also include coverage to bring someone to your bedside, expenses for meals, hotel accommodations and associated expenses if a medical delay prevents you from returning home, repatriation expenses, return of your remains if you die and a hospital allowance, for expenses such as parking and TV rental.

Manulife Insurance is secondary insurance, which means that coverage kicks in once any other benefit plan is exhausted.

Emergency Medical: If you’re only worried about medical emergencies while travelling, this plan offers all of the emergency medical coverage options of the all inclusive plan and includes hospital accommodations, physician fees, lab tests, private nurses and ambulance services.

Trip Cancellation/Interruption: If you have medical coverage elsewhere, such as a travel credit card , this will cover trip cancellation and trip interruption. It does not offer any baggage coverage or flight and travel accident coverage.

COVID-19 Pandemic Travel Plan: This plan provides emergency medical insurance for COVID-19 and related complications, as well as trip interruption insurance benefits if you need to quarantine. The maximum payable amount is $5 million for a medical emergency related COVID-19 if you are vaccinated and $1 million if you are not vaccinated. The $5 million in coverage can also be used in the event of a non-COVID related medical emergency.

Family coverage for up to four adults (parents and grandparents) and their unmarried dependent children or grandchildren may also be available for any of these plans. (If purchasing the COVID-19 Pandemic Plan, family coverage is available for up to two adults.)

In order to be eligible for coverage, the following must be true:

  • All travellers are between 30 days old and 59 years old at the time of the application
  • Adults are either a parent or grandparent of the dependent children or grandchildren
  • Dependent children or grandchildren are unmarried and under age 21, a full-time student under age 26 or mentally or physically disabled

We’ve highlighted key benefits of Manulife CoverMe Travel Insurance for the single trip plan to help you identify which coverage is the best fit for you.

The price of a Manulife Financial CoverMe travel insurance plan depends on factors such as the cost of your trip, your age and the amount of coverage you choose.

Here are some examples of the cost for Manulife Financial CoverMe Travel Insurance single trip plans for healthy travellers based in Ontario. Each traveller is quoted individually.

With your emergency medical coverage, you can also add an optional deductible, or the amount you will pay out of pocket before your coverage kicks in, of $500, $1,000, $5,000 or $10,000.

Emergency medical: $5 million Cancel For Any Reason: Yes, 50% to 75% Baggage insurance (maximum): $1,500

Related: CAA Travel Insurance Review

TD Insurance

Emergency medical: $5 million Cancel For Any Reason: No Baggage insurance (maximum): $1,000

Related: TD Insurance Travel Insurance Review

Emergency medical: $5 million Cancel For Any Reason: No Baggage insurance (maximum): $1,500

Related: Blue Cross Travel Insurance Review

Manulife Financial does not offer any insurance riders or add-ons.

Costco Executive members can save up to 5% on most Manulife insurance plan premiums.

Yes. You can buy multi-trip annual insurance if you travel more than once a year for multiple individual trips. Manulife Financial offers medical only coverage for four, 10, 18, 30 and 60 days and all inclusive coverage for four, 10, 18 or 30 days per trip. If you stay longer than the number of days you purchased, you can purchase a top-up. It’s important to note that the Multi-Trip All Inclusive plan is only available for purchase within 60 days of departure.

Here’s how the prices between single trip and multi-trip insurance for 18 days compare:

The Manulife Assistance Centre is available 24/7 and 365 days of the year and can help you when you’re faced with an emergency. Depending on the coverage provided by your insurance policy, support includes:

  • Verifying and explaining coverage
  • Referral to a physician, hospital or other health care provider
  • Monitoring your medical emergency and keeping your family informed
  • Arranging for return transportation home when medically necessary
  • Arranging direct billing of covered expenses, wherever possible
  • Assistance with lost, stolen or delayed baggage
  • Assistance in obtaining emergency cash
  • Translations and interpreter services in a medical emergency
  • Help to replace lost or stolen airline tickets
  • Assistance with obtaining prescription drugs
  • Assistance in obtaining legal help or bail bond

For policyholders with emergency medical coverage, Manulife Financial Travel Insurance also offers StandbyMD, a medical concierge service. StandbyMD offers the following services 24/7:

  • Teleconsultations with a physician who can assess your symptoms and provide treatment options
  • A network of visiting physicians in 141 countries and over 4,500 cities
  • In-network clinics close to the patient
  • In-network ERs close to the patient

If you (or someone calling on your behalf) do not contact the Manulife Assistance Centre before receiving medical treatment, you may be limited to reimbursement of 80% of eligible medical expenses. It’s important to remember that certain services, such as MRIs, CAT scans, ultrasounds, biopsies and cardiovascular surgeries must be approved in advance of receiving treatment.

Manulife Financial will not pay any medical expenses related to a medical condition that is not stable for a set period of time before your coverage takes effect, either three months or six months depending on the rate category you qualify for when purchasing your policy based on your health status.

A medical condition is considered stable when all of the following are true:

  • There has been no new treatment prescribed or recommended or change in existing treatment, including a stoppage in treatment.
  • There has not been any change in medication, or any recommendation or starting of a new prescription drug.
  • The medical condition has not become worse.
  • There has not been any new, more frequent or more severe symptoms.
  • There has been no hospitalization or referral to a specialist.
  • There have not been any tests, investigation or treatment recommended but not yet complete, nor any outstanding test results.
  • There is no planned or pending treatment.

In addition, Manulife will not cover any heart condition for which you’ve had to take nitroglycerin for angina pain in the three or six months before your effective date (the date your coverage starts), or any lung condition that required treatment with oxygen in the three or six months before your effective date.

However, Manulife Financial offers TravelEase insurance coverage for fully disclosed pre-existing medical conditions with up to $5 million in emergency benefits. Travellers interested in this coverage can call Manulife Financial for a quote.

There are a number of scenarios not covered by travel insurance and it’s critical to know what not to do before you make a claim only to be told you’re on the hook for all associated costs. The following are some of the most common issues not covered by travel insurance:

  • A claim against an unstable pre-existing medical condition
  • Self-inflicted injuries, unless medical evidence shows the injuries are related to a mental health illness
  • Any claim resulting from a criminal offence or illegal act
  • Any medical condition resulting from you not following prescribed treatment
  • Any medical condition due to use or withdrawal from alcohol, drugs or other intoxicants, before or during your trip
  • Routine pre-natal or post-natal care, or your pregnancy, delivery or complications of either nine weeks before or after your expected due date
  • A child born on the trip
  • Any non-emergency, experimental or elective treatment, such as cosmetic surgery, chronic care or rehabilitation
  • A travel visa not issued in time due to a late application
  • Failure of any travel agency, agent or broker
  • Any loss suffered during an “Avoid all travel” or “Avoid all non-essential travel” advisories
  • Any medical condition for which it was reasonable to believe you’d require treatment for during your trip or would produce symptoms before your trip
  • Any act of terrorism or war

To be eligible for emergency medical insurance coverage, the following must apply:

  • You are a resident of Canada and are covered under a government health insurance plan
  • You are at least 30 days old
  • You have not been advised by a physician not to travel
  • You have not been diagnosed with a terminal illness or metastatic cancer
  • You do not require kidney dialysis
  • You have not been prescribed or used home oxygen in the last 12 months
  • You have never had a bone marrow, stem cell or organ transplant, except for corneal transplant

There are additional eligibility criteria for travellers aged 60 and older based on their answers to a health questionnaire.

You can file a claim online 24/7 by visiting the Manulife online claims portal where you can start a new claim, submit your required documentation and follow the progress of your claim.

If you are making an emergency medical claim, documentation may include:

  • Original itemized receipts for all bills and invoices
  • Proof of payment by you and any other benefit plan (as Manulife is a secondary plan, meaning it pays out the balance not covered by any other insurance coverage)
  • Medical records, including complete diagnosis by the attending physician or the hospital verifying that the treatment was medically necessary
  • Proof of the accident if you are submitting a claim for emergency dental
  • Proof of travel, including departure date and return date
  • Your historical medical records, if required
  • Police reports

For a trip cancellation and trip interruption claim, you may be asked to provide:

  • A medical certificate stating why travel was not possible
  • A police (or other responsible authority) report documenting the reason for the delay if your claim is due to a missed connection
  • Original receipts for any travel accommodations made in advance and/or receipts for extra hotels, meals, telephone and taxi expenses

If you are making a baggage loss, damage and delay insurance claim, you will need to provide:

  • Copies of reports from the authorities (police, hotel manager, tour operator, etc.) as proof of loss, damage or delay
  • Proof that you owned the items and receipts for their replacement

To make submitting a claim easier, Manulife Financial also offers a TravelAid mobile app that gives policyholders immediate digital access to the Assistance Centre.

You must report a claim within 30 days of the occurrence, and you must submit proof of your claim within 90 days that a claim occurred or a service was provided. Money will be paid out within 60 days after all required documentation has been received and the claim is approved.

Manulife Financial CoverMe Travel Insurance FAQs

Does manulife financial pay for medical costs upfront.

According to the company, its Assistance Centre has existing relationships with medical providers in many vacation destinations to ensure emergency situations are handled “as smoothly as possible.” There is the caveat that some medical providers will require a deposit or assurance that they will be paid. However, the insurer adds that, “once the Assistance Centre is contacted and actively managing the case, the providers will directly bill Manulife and, in almost all cases, you will not see a bill.” Should you have to pay direct, Manulife will reimburse expenses once the claim documentation has been received and verified.

However, if you pay out of pocket for medical expenses without prior approval by Manulife’s Assistance Centre, eligible expenses will be reimbursed to you based on “reasonable and customary charges,” which may be less than what you paid.

Does Manulife Financial cover COVID-19?

Yes. If you have been fully vaccinated against COVID-19 at least 14 days before the start of your trip and your policy includes emergency medical benefits, Manulife will provide coverage for any unforeseen medical emergency related to COVID-19. If you’re required to quarantine, your emergency medical coverage will reimburse you for extra expense for meals, accommodation, telephone calls and taxi fares and/or the expense to bring you home. For policyholders with Trip Cancellation and Trip Interruption, COVID-19 is considered a “known event” and therefore will not be covered except for as part of one of the three scenarios below:

1) You become ill with COVID-19 and you’re unable to travel 2) You test positive for COVID-19 within 72 hours before you leave home 3) You lose your job as a result of the pandemic

Does Manulife Financial offer coverage extensions?

Yes. Your coverage is automatically extended for 72 hours starting on the final day of your trip due to a transportation delay. If you or your travelling companion are hospitalized, your coverage is extended for the period of hospitalization (to a maximum of 365 days), plus up to five days after discharge. If you or your travelling companion is unfit to travel due to a medical emergency that does not require hospitalization, your coverage is automatically extended for up to five days.

You can also request an extension if you want to stay longer on your trip, provided you apply before the expiry date of your policy and you haven’t made any claims or you’re not currently seeking treatment.

Does Manulife Financial require a medical questionnaire?

Yes. Travellers age 60 and over must complete a comprehensive medical questionnaire that asks questions about your eligibility for insurance. For example, if in the last 12 months you’ve had a new heart condition or an existing heart condition that required a change in medication or hospitalization, or if in the last four months you’ve been prescribed or taken six or more prescription medications (with some exclusions), you are not eligible for insurance. You may, however, be eligible for the TraveEase plan for pre-existing conditions. Additional questions are used to assign you to a certain rate category, which affects your premiums as well as your stability period. For example, if in the last five years you’ve been diagnosed with or treated for diabetes, a stroke or a lung condition, you’ll be assigned rate category C. Meanwhile, if in the last two years, you’ve been diagnosed with or treated for chronic bowel disease or kidney disorders, or been to the ER more than twice in six months, you’ll be assigned rate category B.

Also, if it’s discovered that you did not answer the questions truthfully or there are any errors in your claim, this may void your plan and/or your claim may be denied.

Does Manulife Financial have any age restrictions?

Yes. Travellers must be at least 30 days old. There is no maximum age limit, though family coverage is only available up to age 59.

When does my coverage with Manulife Financial begin?

If you purchase cancellation coverage, it begins the day you buy your policy and ends the day when you make a claim or leave on your trip. Your interruption coverage, if purchased, begins when you leave home. Your delay coverage begins once an insured risk prevents you from returning home as scheduled.

Can I get a refund with Manulife Financial?

You can cancel an emergency medical plan, both single trip and multi-trip, before the effective date of coverage. Refunds and cancellations are not available for any all inclusive plan.

Does Manulife Financial offer a free look period?

Yes. Manulife Financial offers a 10-day “Free Look” period where you can review and cancel your policy within 10 days of purchase if you have not already left for your trip and there is no claim in progress.

Fiona Campbell is a Staff Writer for Forbes Advisor Canada. She started her career on Bay Street, but followed her love for research, writing and a good story into journalism. She is the former editor of Bankrate Canada, and has over 20 years of experience writing for various publications, including the Globe and Mail, Financial Post Business, Advisor’s Edge, Mydoh.ca and more.

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Plans for visitors to Canada

  • For visitors who are healthy or do not need coverage of pre-existing conditions
  • Protect family members age 30 days to 59 years
  • Choose $15,000 to $150,000 in coverage

Coverage amounts

  • $15,000, $25,000, $50,000 or $100,000 to age 85
  • $150,000 to age 69

Emergency medical benefits*

Health services.

  • Emergency medical attention, including hospital and physician services
  • Paramedical services
  • Emergency dental treatment
  • Hospital allowance

Transportation

  • Emergency air transportation home
  • Visit to bedside if travelling alone
  • Return home of children
  • Preparation and return of remains

Additional protection

  • Extra meal, hotel and child care costs
  • Trip break without terminating coverage
  • Protection for side trips outside Canada

Travel accident insurance

  • $50,000 for a travel accident that results in the insured's death, blindness or double dismemberment within 365 days
  • $25,000 for a travel accident that results in the insured's blindness in one eye or single dismemberment within 356 days
  • Only one benefit payment (the largest applicable) per trip

Trip interruption insurance – optional add-on

  • Up to $1,500 for single coverage
  • Up to $5,000 for family coverage
  • Reimburses prepaid, non-refundable, non-transferable portion of a trip cancelled or interrupted by – for example:
  • Unexpected medical emergency or death of insured, insured's travel companion or an immediate family member
  • Travel host hospitalization or death

Pre-existing condition exclusion

  • Any medical condition, diagnosed or undiagnosed, which existed or for which you sought or received medical advice, consultation, investigation, or for which treatment was required or recommended by a physician, within 180 days before the effective date of insurance
  • Any heart condition if, in the 180 days before the effective date, the applicant required any form of nitroglycerine for the relief of angina pain
  • Any lung condition if, in the 180 days before the effective date, the applicant required treatment with oxygen or prednisone for a lung condition

*Exclusions, limitations and conditions apply. See the policy for details.

  • Cover stable pre-existing conditions 
  • Complete medical questionnaire for applicants age 40 and over
  • Up to $1,500
  • A pre-existing condition that is not stable in the 180 days before the effective date of insurance
  • There have not been any new symptoms
  • Existing symptoms have not become more frequent or severe
  • A physician has not found that the medical condition has become worse
  • No test findings have shown that the medical condition may be getting worse
  • A physician has not provided, prescribed, or recommended any new medication, any change in medication**
  • A physician has not provided, prescribed or recommended any investigative testing, new treatment or any change in treatment
  • There has been no hospitalization or referral to a specialist or specialty clinic
  • A physician has not advised referral to a specialty clinic or specialist for further testing, and there has been no testing for which the results have not yet been received

Exceptions include a change from a brand-name drug to an equivalent generic drug of the same dosage, and the routine adjustment of Coumadin, warfarin, insulin to control diabetes (as long as the medication is not newly prescribed or stopped).

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Protect your travel & Save 10% on rates. As an eligible member of the Canadian Armed Forces (CAF) community, you deserve quality and value for your money. So we're offering you and your family 10% savings on already affordable Manulife Travel Insurance rates

Protect your travels & save 10% on rates*

As an eligible member of the Canadian Armed Forces (CAF) community, you deserve quality and value for your money. So we're offering you and your family 10% savings on already affordable Manulife Travel Insurance rates. *Excludes COVID-19 Pandemic Travel Plan.

Trip Cancellation & Interruption Travel Insurance for Canadians

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Trip Cancellation & Interruption Benefits

  • Up to sum purchased per insured per trip for the Trip Cancellation & Interruption Plan when purchased separately
  • 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 portion of the  trip that is non-refundable and non-transferable to another travel date for a covered event

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 regarding the travel destination
  • Travel visa not issued
  • The person whose guest the insured will be during the trip has a medical emergency and is admitted to a hospital or dies
  •  Missed connection

Eligibility

To be eligible for stand-alone Trip Cancellation & Interruption Insurance under this policy, 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 or territory of residence.

Coverage Start & End Dates

Effective dates and expiry dates, your coverage starts:.

For Trip Cancellation, on the date the policyholder pays the premium for this coverage.

For Trip Interruption coverage, on the later of:

  • the departure date; or
  • the effective date as stated on the confirmation.

Your Coverage ends:

For Trip Cancellation, on the earliest of:

  • the departure date;
  • the date the policyholder cancels their trip;
  • the expiry date shown on the confirmation.

For Trip Interruption, on the earliest of:

  • the date you return home; or

Refunds & Extensions

Refunds and Cancellations are not permitted on any All-Inclusive plans.

Full refunds for standalone Trip Cancellation & Interruption Insurance is available if:

  • you cancel your trip before any cancellation penalties are in effect; or
  • the common carrier or travel supplier cancels the entire trip and all penalties are waived; or
  • the common carrier or travel supplier changes the policyholder's trip dates and you are not able to travel and all penalties are waived.
  • Premium rates are in $CDN per person.
  • Rates are subject to change without notice.
  • The sum insured;
  • The age at the time of application.

Coverage will not take effect if the applicant's method of payment is not honoured when presented for payment.

Important Information

  • If you purchased an All-Inclusive Policy, you must call the Assistance Centre in a medical emergency and prior to any treatment. Otherwise, you will have to pay 20% of the eligible medical expenses we would normally pay under this policy. If it is medically impossible for you to call, please have someone call on your behalf.
  • If you are submitting a paper application, make sure it is signed and dated prior to the effective date. 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 executed confirmation form and payment. In the event we are unable to process payment, coverage will not be in effect.
  • Read the policy with particular attention to "pre-existing medical condition" and other exclusions that apply to the coverage.
  • The Wallet Card and Manulife Financial Travel Insurance policy should be kept with you at all times when travelling. The Wallet Card includes telephone numbers in case of an emergency or if an extension is required. The Wallet Card is found in the policy.

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Manulife’s Genesis offers long-term wealth transfer

The plan promises up to 4.29% TIRR in 10 years.

Manulife Hong Kong has launched a new participating life insurance savings plan designed to help customers accelerate their long-term savings.

The Genesis plan allows customers to pay premiums for five years to unveil a TIRR of up to 4.29% at the end of the 10th policy year, and a TIRR of up to 7.19% at the end of the 100th policy year, allowing for potential wealth transfer to the next generation. 

The plan also offers several first-in-market features, including:

  • A withdrawal option that enables customers to receive a regular non-guaranteed income without cashing in their policy;

ALSO READ: Manulife Financial holds investor day events in Hong Kong and Jakarta

  • An advance benefit for designated critical and mental illnesses, and a value-added service that allows customers to transfer the policy at a designated date or age of the successive policy owner.

Additionally, Manulife announced an upgraded version of the Whole-in-One Prime (WIOP3) plan, which assists individuals with protection and management goals. It now offers a range of premium payment periods, including single premium, five years, and 10 years. 

WIOP3 provides death benefits and flexibility in premium payment, making it accessible to a wider customer base. It includes features like a flexible premium prepayment option and death benefit settlement, ensuring comprehensive coverage and flexibility for customers' needs.

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We can also organize a real life or digital event for you and find thought leader speakers as well as industry leaders, who could be your potential partners, to join the event. We also run some awards programmes which give you an opportunity to be recognized for your achievements during the year and you can join this as a participant or a sponsor.

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Manulife to release first quarter 2024 results.

C$ unless otherwise stated                                            TSX/NYSE/PSE: MFC     SEHK: 945

TORONTO , April 24, 2024 /PRNewswire/ - Manulife Financial Corporation will release its first quarter 2024 financial results after markets close on Wednesday, May 8, 2024 , which will be made available at manulife.com/en/investors/results-and-reports .

A live webcast and conference call are scheduled for Thursday, May 9, 2024 , at 8:00 a.m. (ET) where members of Manulife's executive leadership team will discuss the results, followed by a question and answer period with analysts.

To access the conference call, dial 1-800-806-5484 or 1-416-340-2217 (Passcode: 5223647#).  International dial-in numbers  are also available. Please call in 15 minutes prior to the scheduled start time.

The archived webcast will be available at  manulife.com/en/investors/results-and-reports following the call. A replay of the call will also be available until June 8, 2024 , by dialing 1-800-408-3053 or 1-905-694-9451 (Passcode: 6423312#).

About Manulife

Manulife Financial Corporation is a leading international financial services provider, helping people make their decisions easier and lives better. With our global headquarters in Toronto, Canada , we provide financial advice and insurance, operating as Manulife across Canada , Asia , and Europe , and primarily as John Hancock in the United States . Through Manulife Investment Management, the global brand for our Global Wealth and Asset Management segment, we serve individuals, institutions, and retirement plan members worldwide. At the end of 2023, we had more than 38,000 employees, over 98,000 agents, and thousands of distribution partners, serving over 35 million customers. We trade as 'MFC' on the Toronto , New York , and the Philippine stock exchanges, and under '945' in Hong Kong .

Not all offerings are available in all jurisdictions. For additional information, please visit manulife.com .

View original content to download multimedia: https://www.prnewswire.com/news-releases/manulife-to-release-first-quarter-2024-results-302125120.html

SOURCE Manulife Financial Corporation

Manulife logo Personal

COVID-19 and your travel insurance

Now available: Manulife’s COVID-19 Pandemic Travel Plan

Check out our FAQ for answers to questions about COVID-19

Information for customers who have purchased travel insurance through an advisor or have travel coverage as members of an association (e.g. alumni groups, professional organizations, retiree organizations, financial institutions, retailers).

On February 28, 2022, the Government of Canada lifted their blanket advisory to “Avoid Non-Essential Travel” that has been in effect since December 15, 2021.

What does this mean for fully vaccinated Manulife Travel Insurance Customers?

If you have been fully vaccinated against COVID-19 at least 14 days before the start of your trip, Manulife Travel Insurance policies that include Emergency Medical benefits will provide coverage for any unforeseen medical emergency related to COVID-19 in accordance with the terms and conditions of your policy. This applies to trips with a departure date on or after February 28, 2022.

Emergency Medical

Fully vaccinated customers will now be covered for COVID-19 and related expenses under Manulife Travel Insurance plans that include Emergency Medical Insurance benefits.

At this time, booster shots are not required to be considered fully vaccinated.

Trip Cancellation and Trip Interruption

COVID-19 is still considered a known event in relation to Travel Advisory status changes, and a Trip Cancellation or Trip Interruption Insurance claim will not be paid if an individual cancels or interrupts their trip for a reason related to COVID-19, except for one of the three events mentioned below.

  • Your sickness (accompanied by a medical certificate) due to contracting COVID-19 that prevents you from travelling as planned.
  • A positive COVID-19 test result (accompanied by a medical certificate) within 72 hours before your departure from home which prevents you from travelling as planned.
  • Your job loss as a result of the pandemic impact at your place of employment.

Quarantine Coverage

If required to quarantine, the following benefits are available under most Manulife Travel Insurance plans that include Emergency Medical coverage:

  • Extra expenses for meals, accommodation, telephone calls and taxi fares
  • Expenses to bring you home

What does this mean if I am not fully vaccinated?

If you have not been fully vaccinated against COVID-19 at least 14 days before the start of your trip, the Travel Advisory to “Avoid Non-Essential Travel” remains in effect.

Tips and contacts

As the volume of travel assistance requests has significantly increased, we encourage you to submit your Manulife travel insurance claim on our  online portal  or our  TravelAid mobile app.

If you have further questions, please talk to your travel supplier, visit our FAQ and select the “travel” topic, or check out the helpful links below, or call 1-800-268-3763 .

Information for customers who have emergency travel assistance and/or trip cancellation benefits through their employer’s group plan.

If you have questions about your coverage call Global Excel Management at 1-800-265-9977   in Canada or the U.S; see your benefits card for phone numbers in other countries.

Helpful links

Government of Canada, Travel and Tourism

Check individual travel online portal

Download TravelAid mobile app

COVID-19 FAQ

Manulife’s COVID-19 Pandemic Travel Plan

IMAGES

  1. Group plans

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  2. Online mobile app for group benefits and retirement

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  3. Manulife Travel Insurance Review: A Look At CoverMe Travel Insurance

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  5. Manulife Recognized as One of Canada's Top 100 Employers

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  6. Manulife Travel Insurance

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COMMENTS

  1. Group benefits plan members

    You may also have access to optional health insurance. In addition to basic life, some plan sponsors offer members the chance to buy additional (i.e., optional) life insurance and/or critical illness insurance. Your benefits booklet includes details on whether your plan includes such options, and how much they cost.

  2. Manulife Financial Travel Insurance

    Flight & travel accident insurance . $100,000 for a flight accident and $50,000 for a travel accident that results in the insured's death, blindness or double dismemberment within 365 days; $50,000 for a flight accident and $25,000 for a travel accident that results in the insured's blindness in one eye or single dismemberment within 365 days

  3. Manulife Financial Travel Insurance

    Manulife Financial Travel Insurance for Travelling Canadians is designed for Canadians travelling out-of-province or outside Canada. It can help protect you against the cost of unexpected emergencies that may occur before or during your trip. Your government health insurance plan may only cover a fraction of healthcare expenses incurred outside ...

  4. Manulife Travel Insurance

    Find out how to get group benefits for your travel insurance with Manulife, a trusted provider of flexible and affordable plans for Canadians.

  5. Manulife Financial Travel Insurance

    Flight and travel accident insurance. $100,000 for a flight accident and $50,000 for a travel accident that results in the insured's death, blindness or double dismemberment within 365 days; $50,000 for a flight accident and $25,000 for a travel accident that results in the insured's blindness in one eye or single dismemberment within 365 days

  6. Single Trip COVID-19 Pandemic Travel Plan Insurance for Canadians

    Contact the Assistance Centre before receiving treatment while on a trip. Manulife Financial Travel Insurance has a 20% co-insurance provision that may limit the benefits if you do not call or contact the Assistance Centre. In addition, specific covered eligible benefits may be limited or not covered if the Assistance Centre has not been contacted.

  7. Manulife Financial Travel Insurance for Canadians

    Travelling Canadians Plan Overview. Whether you are travelling outside your province or Canada, Manulife Financial Travel Insurance plans are designed to help protect you against the cost of unexpected emergencies that may occur before or during your trip. Your government health insurance plans may only cover a fraction of healthcare expenses ...

  8. Manulife Financial CoverMe Travel Insurance Review 2024

    We've highlighted key benefits of Manulife CoverMe Travel Insurance for the single trip plan to help you identify which coverage is the best fit for you. Coverage Type. All Inclusive. Emergency ...

  9. Manulife Financial Travel Insurance

    Travel insurance is important to help protect you, your family or visitors to Canada from costs that can occur due to an unforeseen medical emergency during a trip or an unexpected reason to cancel or interrupt a trip. Without it, travellers may be left to pay significant out of pocket expenses. If you are looking for Single Trip Emergency ...

  10. Buy Travel Insurance

    To get the plan best suited to your needs, you can get a quote and apply online or by calling 1-877-268-3763. Have your travel dates, contact information, health information, and credit card or bank information on hand.

  11. Manulife Financial Travel Insurance for Canadians

    5% Travel Companion Savings : When a travel companion also purchases any Manulife Financial Emergency Medical Plan, premium is reduced by 5% for each traveller. 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.

  12. Manulife COVID-19 Pandemic Travel Plan Insurance available in October

    September 16, 2020. TORONTO -Coming this October, the Manulife COVID-19 Pandemic Travel Plan will be available to Canadians travelling in Canada and internationally, including to countries with a Level 3 Travel Advisory. The policy will provide Emergency Medical coverage, including specific additional coverage for COVID-19 and related conditions.

  13. Faq

    For multi-trip plans, your client must call the Assistance Centre to request a top-up before leaving home. For other plans, your client can call the Assistance Centre to request a top-up while travelling as long as the plan has not expired and there has been no claim, no change in health and no injury, illness or symptom that would give rise to a claim.

  14. Manulife Travel Insurance

    Manulife Travel Insurance

  15. Manulife Products & Services United States

    Group retirement. Make the most of your retirement - track and manage your savings here. 401 (k) Send us a message. Give us a call. We offer financial solutions for individuals and businesses. Our products and services include insurance, investments, retirement, real estate and reinsurance.

  16. Group benefits insurance questions & answers

    Group benefits plan providers or sponsors (e.g., an employer) design group benefits plans together with the insurance company (e.g., Manulife). During that plan design process - between the sponsor and the insurance company (when the program gets set up or later modified) - decisions are made as to how that particular plan will operate.

  17. Plans for visitors to Canada

    Protect family members age 30 days to 59 years. Choose $15,000 to $150,000 in coverage. Download PDF: Manulife Financial Travel Insurance for Visitors to Canada. Details. Plan B. Cover stable pre-existing conditions. Complete medical questionnaire for applicants age 40 and over. Choose $15,000 to $150,000 in coverage.

  18. Travel insurance policies and product summaries

    This site is used jointly by Manulife and FNAIC to provide you with the product summaries and policy samples. Manulife Travel Insurance Products are designed to give you a simple, affordable way to help protect yourself against the cost of unexpected expenses associated with Trip Cancellations, Interruptions, Medical costs and more.

  19. PDF MANULIFE GROUP TRAVEL INSURANCE

    It also provides instructions on how to make a claim. For confirmation of coverage or any questions concerning the information in this certificate or your entire Benefit Booklet, call toll free 1-833-685-2788 (if in Canada or United States) or call collect + 519-735-8331 (from anywhere else in the world).

  20. Manulife Financial Travel Insurance

    Up to sum purchased per insured per trip for the Trip Cancellation & Interruption Plan when purchased separately. 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 portion of the trip that is non ...

  21. Top health trends impacting the workforce

    Summary: We are examining Manulife's aggregate claims data (across our block of group benefits business) along with key findings from The Wellness Report 2023, an employee health and well-being survey, to highlight the top health trends impacting your workforce. 1

  22. Manulife's Genesis offers long-term wealth transfer

    Manulife Hong Kong has launched a new participating life insurance savings plan designed to help customers accelerate their long-term savings. The Genesis plan allows customers to pay premiums for five years to unveil a TIRR of up to 4.29% at the end of the 10th policy year, and a TIRR of up to 7.19% at the end of the 100th policy year ...

  23. Manulife to Release First Quarter 2024 Results

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  24. Group Benefits and Retirement Plans

    Travel insurance policies and product summaries; ... You have insurance as part of a group plan with your employer. ... Manulife Mobile is the only app you need to manage your group benefits and group retirement plans with Manulife. Learn more about the app. Sign in Quick links.

  25. COVID-19 Statement

    COVID-19 is still considered a known event in relation to Travel Advisory status changes, and a Trip Cancellation or Trip Interruption Insurance claim will not be paid if an individual cancels or interrupts their trip for a reason related to COVID-19, except for one of the three events mentioned below. Your sickness (accompanied by a medical ...