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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

Table of Contents

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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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• Single Trips
• Multi Trips
• Visitors to Canada

Multi-trip plans

• Up to $10 million in emergency medical benefits 
• Covers a wide range of risks – from ambulance transportation to paramedical services
• Insure trips of 4, 10, 18, 30 or 60 days – and top up for a longer trip if needed

Emergency medical benefits*

Health services.

• Hospital and physician services
• Paramedical services
• Emergency dental treatment

Transportation

• Emergency medical return home
• Visit to bedside if travelling alone
• Return home of children in care of insured, travel companion, pet, vehicle
• Return to original trip destination
• Return of excess baggage

Additional protection

• Hospital allowance
• Extra meal, hotel, child care and phone call costs
• Expenses related to death
• Terrorism coverage*

Top-up for a longer trip

• Confirm top-up won't reduce trip coverage with another insurer
• Confirm entire trip, including top-up, is within the length allowed by the insured's government health insurance plan
• Buy before expiry date
• Complete medical questionnaire for applicants age 60 or older

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

• Up to $3,500/insured/trip and $6,000/policy in trip cancellation/interruption benefits
• Baggage loss, damage & delay insurance
• Flight & travel accident insurance
• Insure trips of 4, 10, 18 or 30 days – and top up for a longer trip if needed
• Return to original trip destination*
• Top-up with Manulife Financial emergency medical coverage will automatically includes all other coverages under an existing Manulife Financial All-inclusive

Trip cancellation/interruption insurance*

• 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, an immediate family member or key person
• Missed connection
• Business meeting cancelled
• Travel advisory issued by Canadian government
• Travel visa not issued
• Travel host hospitalization or death

Baggage loss, damage and delay insurance

• Up to $100 for replacement of passport, driver's licence, birth certificate or travel visa
• Up to $500 for toiletries and clothing after luggage delay of at least 10 hours; up to $1,500 per policy
• Up to $300/trip for any item or set of items to a maximum of $1,000; up to $3,000 per policy

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
• Only one benefit payment (the largest applicable) per trip

Choose plans

• Emergency medical plan
• All-inclusive plan

* For all multi-trip plans, the minimum age is 30 days. There is no maximum age. ** For family coverage, all family members must have coverage that starts and ends on the same dates. *** Family coverage cannot be combined with travel companion savings.

Start a quote

Please complete all fields.

Your client must confirm with the appropriate Provincial/Territorial service centre that government health insurance plan coverage will continue throughout the trip.

More than two travellers require a medical questionnaire so this application cannot continue online.

Warning: Coverage start date is in the past

Your online session is about to expire. Click Continue to proceed with your application, or click End to end your session now

HelloSafe » Travel Insurance » Manulife

Is Manulife travel insurance the best in 2024?

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Our articles are written by experts in their fields (finance, trading, insurance etc.) whose signatures you will see at the beginning and at the end of each article. They are also systematically reviewed and corrected before each publication, and updated regularly.

Visiting another country or province without travel insurance can be a costly mistake. Indeed, did you know that an overnight stay in a United States hospital can exceed $14,000 CAD? Some countries might even refuse to help you if you are unable to prepay for treatment.

Travel insurance is a necessity when you are away from home . It guarantees your ability to access and pay for health care, if and when you need it. Beyond medical emergencies, travel insurance can also help with flight issues and lost luggage, amongst other things.

While you look for options, a good provider to consider would be Manulife travel insurance. What does Manulife cover? For what price? What are its pros and cons? Read our review on Manulife's travel insurance, get quotes, and see how the competitors fare.

Our 2024 Manulife travel insurance review

Manulife is one of Canada's largest insurance providers. Manulife plans are flexible offering various levels of coverage. All-inclusive plans cover most major travel risks including emergency medical care, cancellations and lost luggage.

Here are some Manulife travel insurance Canada pros and cons:

Why Manulife could be right for you:

• Coverage for a single trip or for multiple trips
• Several offers depending on your profile (Canadians traveling domestically, Canadians going abroad, visitors and students)
• Clear explanation of what the plans cover
• Up to $10 million in emergency medical benefits
• Costco Manulife travel insurance for members

Why Manulife may not be right for you:

• Medical questionnaire for those aged 60+
• If you are unable to call before seeking treatment you pay 20% of the expense out of pocket

You could compare Manulife's coverage with other best travel insurances in Canada using our comparator below.

Compare the best travel insurance plans on the market!

Is there Manulife covid travel insurance?

Manulife offers a specific plan just for Covid-19. It covers COVID-19 related emergency medical expenses and trip interruption coverage in the event you need to self-isolate or quarantine during your trip just as other popular providers like Allianz travel insurance .

The cost depends on your individual needs but here's a quick overview of what's covered by Manulife covid travel insurance.

For Canadians travelling abroad

• Emergency medical insurance for COVID-19 and related complications are covered up to $5,000,000 if you are fully vaccinated for Covid-19 by a Health Canada-approved vaccine or for up to $1,000,000 for non-vaccinated policyholders
• Trip Interruption Insurance benefits if you are required to quarantine (up to $200 per insured person per day for hotel and meal expenses (up to a maximum of $2,800) -or- $400 per insured family per day (up to a maximum of $5,600)

What is Costco Manulife travel insurance?

Costco-Manulife travel insurance is offered in partnership between Costco and Manulife. It offers valuable discounts for Costco members.

Executive members can save up to 5% on most insurance plan premiums. Further, as a Costco member, you can enjoy an exclusive Flight & Travel Accidental Death and Dismemberment benefit through Manulife Covid-19 Pandemic Travel Plan.

Executive Members receive $25,000 CAD in coverage, while Gold Star and Business Members receive $10,000 CAD.

What does Manulife travel insurance cover?

Manulife's travel insurance plans operate under the name CoverMe. Protections and benefits vary depending on travellers' profiles, desidered coverage, trip duration and destination.

Here are the main CoverMe travel insurance plans available:

• CoverMe for Travelling Canadians
• CoverMe for Visitors to Canada
• CoverMe for Students

For more information, download the PDF below:

Manulife's CoverMe offers its Single-Trip Emergency Medical Plan for travel within Canada. Enjoy the same benifits of a standard Single-Trip Emergency Medical Plan, but at 50% less than the abroad plan.

Manulife CoverMe offers medical insurance plans for non-residents visiting the country for vacation, business or to visit family. It also can help cover people living in Canads who have not yet qualified for public health insurance.

Good to know

There is also the popular Manulife Single Trip All Inclusive plan for Canadians, which includes emergency medical coverage up to $10 million, trip cancellation/interruption, baggage protection, and flight/travel accident benefits. It covers expenses such as emergency treatment, paramedical services, ambulance transportation, dental treatment, medical evacuation, and more. Conditions and limitations apply to the Manulife all inclusive insurance.

Plans exist for pre-existing medical conditions and meet the requirements for the Parent and Grandparent Super Visas .

CoverMe offers travel insurance plans for students. Canadian students studying within in Canada can save 50% on their premiums. Benefits of Manulife travel medical insurance include:

• Accidental dental coverage up to $2,500
• Medical coverage up to $2,000,000 including physician services, annual medical and eye exams, hospitalisation and prescriptions drugs
• Tuition loss up to $5,000 per semester

Does Manulife travel insurance cover pre-existing conditions?

TravelEase® provided by Manulife offers emergency medical coverage for pre-existing conditions. With coverage of up to $5 million, the plan includes essential benefits such as physician services, ambulance transportation, hospitalisation, prescription drugs, and more.

It's important to note that you can apply for TravelEase coverage regardless of your age, and you have access to worldwide travel assistance 24 hours a day, 365 days a year.

Manulife Travel Insurance for seniors

Manulife plans can be altered specifically for traveling seniors, catering to their unique needs. These plans provide comprehensive medical coverage for emergency medical expenses, including hospitalization, physician fees, medications, and emergency medical transportation.

They also offer trip cancellation and interruption coverage, as well as coverage for pre-existing medical conditions, subject to certain terms and conditions. Seniors can benefit from 24/7 travel assistance services and flexible coverage options that suit their needs and budget.

Manulife generally offers coverage for travellers up to 85 years of age, but it's important to review the policy details for specific age eligibility and any applicable restrictions.

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

What's not covered by Manulife travel insurance?

It typically does not cover:

• High-risk activities like extreme sports or professional competitions.
• It doesn't cover cosmetic and elective procedures during travel.

Self-harm and injuries due to reckless behaviour aren't covered either. There are limitations on mental health conditions covered but it's best to check with a Manulife agent to get the most up-to-date information on exclusions.

How much does Manulife travel insurance cost?

The price of travel insurance depends on:

• Your desired coverage and otpions.
• Your deductible.
• Your waiting period.
• Your destination(s).
• The lenght of your trip.

Expert advice

Therefore it will be important to get an individual quote customised for your unique needs. Create a Manulife travel insurance login and fill in the details on the website to get more information.

You can quickly and anonymously compare prices from leading travel insurance companies using our free comparison tool below:

How to buy a Manulife travel insurance plan?

CoverMe plans may be purchased through their website or by calling the Manulife travel insurance phone number 1-877-268-3763. You could also create a Manulife account and login on their website to get further information on plans.

You could write an email to [email protected] and request for information on plans and an agent will guide you through the process.

How to file a Manulife travel insurance claim ?

You can submit your travel claim form through one of these platforms:

• Online on Manuvie's website
• By calling the assistance centre at the following Manuvie phone number: 1-888-881-8010
• Through the TravelAid mobile app
• For Manulife travel insurance for visitors to Canada outside North America, call +1 (519) 945-8346.

To find the status of your claims, you can call 1-888-881-8013 or 1-519-945-9246.

How to cancel Manulife travel insurance?

Manulife travel health insurance policies in general can be cancelled before the departure date or within a specified period after purchasing the policy, as long as no claims have been filed during that time.

However, it's important to review your specific policy terms and conditions to understand the cancellation policy and any applicable fees or restrictions.

Specifically, you can cancel an Emergency Medical Plan (Single-Trip or Multi-Trip) at any time before the effective date of coverage. You cannot cancel an All-Inclusive Plan (Single-Trip or Multi-Trip) or a standalone Trip Cancellation & Trip Interruption Plan.

If you have already departed or filed a claim, cancelling the policy may not be possible, or there may be different procedures or requirements to follow. Contacting Manulife customer care directly will provide you with the most accurate and up-to-date information regarding your specific policy.

How to contact Manulife travel insurance?

Reach the customer care at the following Manulife travel insurance phone numbers for any queries on your policy:

• For emegency assistance call: 1-877-878-0142
• For support: 1-800-268-3763

Now that you know everything you need to in order to assess if Manulife is the best choice for you, you can compare and get quotes from other travel insurances in Canada to make the best choice.

Save up to 25% on your travel insurance with our partner soNomad

Get a quote

1-888-550-8302

Alexandre Desoutter has been working as editor-in-chief and head of press relations at HelloSafe since June 2020. A graduate of Sciences Po Grenoble, he worked as a journalist for several years in French media, and continues to collaborate as a as a contributor to several publications.

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Multi-Trip All-Inclusive Plan

Lock in comprehensive coverage for every trip you take..

If you're headed out on two or more trips within the next year, but want protection beyond just emergency medical costs, this plan offers great value – including coverage for Trip Cancellation and Interruption, Baggage Loss and more.

It protects you for as many trips as you want to take throughout the year, for one affordable premium – with up to  $5 million  in emergency medical coverage.

In many cases,  if you took two trips within the year, this coverage would cost less than the price of two Single-Trip All-Inclusive plans.

You can choose from three trip durations:

If necessary, you can purchase additional days with  Emergency Medical Top-Up .

Travel insurance must be purchased prior to departure from your province or territory of residence in Canada and for the entire duration of your trip.

The Multi-Trip All-Inclusive plan covers you for costs related to a medical emergency and many other parts of your trip, including:*

• Hospital/doctor care and services
• Paramedical services – including visits to licensed chiropodists, podiatrists, physiotherapists, chiropractors, or osteopaths
• Ambulance transportation
• Emergency dental treatment
• Emergency medical return home
• Expenses to return your travel companion or children under your care
• Additional expenses for meals and hotel
• Return home of vehicle
• Trip break without terminating coverage
• Expenses related to death
• Expenses to bring someone to your bedside when travelling alone

If medical assistance is required, call the Assistance Centre first.  It’s available 24/7. When you call, you’ll get access to StandByMD™, a service that can connect you with:**

• A physician visit or call
• Locating a clinic nearby
• Emergency room admission

Trip Cancellation & Trip Interruption benefits

• Up to $5,000 per trip / $8,000 per policy
• Reimbursement for a covered event (see below) of the prepaid portion of the trip that is non-refundable and cannot be moved to another date, should you need to cancel your trip or your trip is interrupted

Highlights of some of the covered events:*

• Your or your travel companion's unexpected medical emergency or death
• Unexpected medical emergency or death of your or your travel companion's immediate family or key person
• Cancellation of a business meeting
• A job loss by you, your spouse, your travel companion or travel companion's spouse
• The person whose guest you will be during your trip has been admitted to a hospital or passes away

Baggage Loss, Damage and Delay

This coverage relates to the loss of, damage to, and delay of 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 you are 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 Insurance

Flight Accident and Travel Accident Insurance covers the following benefits:*

• If an accidental bodily injury causes you to pass away, 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, we will pay: $100,000 under Flight Accident Insurance; or $50,000 under Travel Accident Insurance.
• If an accidental bodily injury causes you 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, we will pay: $50,000 under Flight Accident Insurance; or $25,000 under Travel Accident Insurance.
• If you have more than one accidental bodily injury during the trip, we will pay the applicable insured sum only for the one accident that entitles the insured to the largest benefit amount.

To be eligible for All-inclusive coverage, you must, as of the date you apply for coverage and the effective date:

• be a resident of Canada and covered under a government health insurance plan for the entire duration of your trip;
• have paid the appropriate premium;
• be at least thirty (30) days of age;
• not have been advised by a physician to avoid travel at this time;
• not have a terminal illness or metastatic cancer;
• not require kidney dialysis;
• not have been prescribed or used home oxygen in the last twelve (12) months; and
• never have had bone marrow, stem cell or organ transplant (except corneal transplant).

If you are age 60 or over, you will need to complete the Medical Questionnaire to determine your eligibility and rate category.

A 5% smoker's surcharge will apply to you if you are age 60 or over and have smoked cigarettes and/or used vaping products or e-cigarettes in the last 2 years prior to the date of application.

Pre-existing condition exclusions – Emergency Medical

Rate category determines the duration of the pre-existing condition exclusion and is based on age, medical history and plan type.

Travel Insurance will not cover any expenses relating to a…

Pre-existing medical condition: 

that was not stable in the time period before the effective date of your insurance;

Heart condition:

if, in the time period before the effective date of coverage, any heart condition has not been stable or required any form of nitroglycerine for the relief of angina pain;

Lung condition:

if, in the time period before the effective date of coverage, 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 exclusions – Trip Cancellation & Trip Interruption

Travel insurance will not cover any expenses or benefits relating to:

• Any medical condition that was not stable in the three (3) months before the purchase date of this insurance;
• Any heart condition you or your travel companion have if, during the three (3) months prior to the purchase date or application date of this insurance, you or your travel companion have taken any form of nitroglycerine for the relief of angina;
• Any lung condition you or your travel companion have if, during the three (3) months prior to the purchase date or application date of this insurance, you or your travel companion required treatment with home oxygen or Prednisone for a lung condition.

Pre-Existing condition means a medical condition that existed before your effective date.

Medical Condition means any disease, sickness or injury (including symptoms of undiagnosed conditions).

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

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

All of the above conditions must be met for a medical condition to be  considered stable.

Change in medication means the medication dosage, frequency or type has been reduced, increased, stopped and/or new medication(s) has/have been prescribed. 

Exceptions: the routine adjustment of Coumadin, warfarin or insulin (as long as they are not newly prescribed or stopped) and there has been no change in your medical condition; and, a change from a brand name medication to a generic brand medication of the same dosage.

Treatment means hospitalization, a procedure prescribed, performed or recommended by a physician for a medical condition. This includes but is not limited to prescribed medication, investigative testing and surgery. 

Important: Any reference to testing, tests, test results, or investigations excludes genetic tests. “Genetic test” means a test that analyzes DNA, RNA or chromosomes for purposes such as the prediction of disease or vertical transmission risks, or monitoring, diagnosis or prognosis.

Ready to apply?

If you’re ready to lock in the coverage that works best for you – take the next step and get a quote for the coverage you need, then proceed to the application.

Take action

For more information and to speak to a Licensed Insurance Advisor, call

1-866-707-4922 (Monday – Friday 8am – 8pm ET)

Or email [email protected]

NOTE: All dollar figures are in Canadian dollars.

* Conditions, exclusions, limitations apply. See policy for details.

** Manulife cannot guarantee the availability of the StandbyMD service indefinitely.

StandbyMD is a registered trademark™ of Healthcare Concierge Services, Inc.

What Is Single-Trip Travel Insurance And When Should You Use It?

Travel insurance can often feel like an unnecessary travel expense. You might ask yourself: What's the worst that can happen? Maybe you skip the available insurance options when booking your flight, hotels, and outings. To be honest, most of the time, everything will be fine, but that's when nothing goes wrong. When nothing goes right, you'll wish you had read this article before your big trip! Luckily, you're here now and can prepare for the future.

So what is single-trip travel insurance? This is a type of travel insurance you can purchase for a single trip where you leave home, go on your trip (to one or multiple destinations), and then return home, usually within a limited period of time. Depending on the insurance you buy, it will cover a variety of issues, including trip delays and cancellations, medical expenses, and more. But always be sure to read the fine print.

What Single-Trip Travel Insurance Covers And Doesn't Cover

As we mentioned, most single-trip insurance plans will cover claims for problems you encounter on your trip that lead to serious and excessive expenses. This can be flight cancellations, missing baggage , hotel stays if you get stuck somewhere overnight, car rentals, and even medical expenses if you get injured or fall ill. This can be a huge relief if you've spent a ton of money on a trip -- say, a destination wedding or a big family vacation -- and are worried about plans falling through or being ruined due to a single flight delay or a lost bag with a wedding dress in it! While you may not get the dress back in time or maybe even at all, at least you'll get some monetary compensation.

When it comes to medical expenses, though, be aware that some insurance plans won't cover you if you have pre-existing conditions or take part in dangerous activities such as skydiving or even SCUBA diving. Additionally, insurance won't accept claims for issues that you could have avoided. For example, if you buy a plane ticket the day a hurricane is supposed to land and your flight gets canceled, your insurance claim probably won't be accepted.

When You Should Buy Single-Trip Travel Insurance

Most travel insurance will cost between 4% and 10% of the cost of the trip. So if you spend $10,000 on your big two-week honeymoon to Tahiti, expect to pay between $400 to $1,000 for insurance. For such a big trip, this is a small price to pay for peace of mind that, should anything happen, you'll be covered. You might also want to consider buying Cancel for Any Reason (CFAR)  insurance which might be a good idea for more expensive trips.

In general, though, travel insurance can also cover trip cancellations in the event that a non-traveling family member is hospitalized or passes away. Insurance may also cover unforeseen weather or natural disasters at home or at the destination. So, if you're traveling during a shoulder season -- let's say the end of the rainy season in the Caribbean -- the weather can be unpredictable. This might be one more reason to buy travel insurance.

All in all, travel insurance is never a bad idea. Consider the cost of buying the add-on insurance you see offered by airlines, hotel booking sites, and car rentals . Bundling these together under one insurance plan might just save you time, money, and stress!

Read this next: It's Time To Ditch These 10 Outdated Travel Tips

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How has our travel insurance got you covered?

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Travel Insurance

Cheapest travel insurance of April 2024

Mandy Sleight

Heidi Gollub

“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.

Updated 9:52 a.m. UTC April 11, 2024

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Editorial Note: Blueprint may earn a commission from affiliate partner links featured here on our site. This commission does not influence our editors' opinions or evaluations. Please view our full advertiser disclosure policy .

WorldTrips is the best cheap travel insurance company of 2024 based on our in-depth analysis of the cheapest travel insurance plans. Its Atlas Journey Preferred and Atlas Journey Premier plans offer affordable travel insurance with high limits for emergency medical and evacuation benefits bundled with good coverage for trip delays, travel inconvenience and missed connections.

Cheapest travel insurance of 2024

Why trust our travel insurance experts

Our team of travel insurance experts analyzes hundreds of insurance products and thousands of data points to help you find the best travel insurance for your next trip. We use a data-driven methodology to determine each rating. Advertisers do not influence our editorial content . You can read more about our methodology below.

• 1,855 coverage details evaluated.
• 567 rates reviewed.
• 5 levels of fact-checking.

Best cheap travel insurance

Top-scoring plans

Average cost, medical limit per person, medical evacuation limit per person, why it’s the best.

WorldTrips tops our rating of the cheapest travel insurance with two plans:

• Atlas Journey Preferred is the cheaper travel insurance plan of the two, with $100,000 per person in emergency medical benefits as secondary coverage and an optional upgrade to primary coverage. It’s also our pick for the best travel insurance for cruises .
• Atlas Journey Premier costs a little more but gives you $150,000 in travel medical insurance with primary coverage . This is a good option if health insurance for international travel is a priority.

Pros and cons

• Atlas Journey Preferred is the cheapest of our 5-star travel insurance plans.
• Atlas Journey Premier offers $150,000 in primary medical coverage.
• Both plans have top-notch $1 million per person in medical evacuation coverage.
• Each plan offers travel inconvenience coverage of $750 per person.
• 12 optional upgrades, including destination wedding and rental car damage and theft.
• No non-medical evacuation coverage.

Cheap travel insurance for cruises

Travel insured.

Top-scoring plan

Travel Insured offers cheap travel insurance for cruises and its Worldwide Trip Protector plan gets 4 stars in our rating of the best cruise travel insurance .

• Worldwide Trip Protector offers $1 million in emergency evacuation coverage per person and a rare $150,000 in non-medical evacuation per person. It also has primary coverage for travel medical insurance benefits, which means you won’t have to file medical claims with your health insurance first.
• Cheap trip insurance for cruises.
• Offers a rare $150,000 for non-medical evacuation.
• $500 per person baggage delay benefit only requires a 3-hour delay.
• Optional rental car damage benefit up to $50,000.
• Missed connection benefit of $500 per person only available for cruises and tours.

Best cheap travel insurance for families

Travelex has the best cheap travel insurance for families because kids age 17 are covered by your policy for free when they’re traveling with you.

• Free coverage for children 17 and under on the same policy.
• $2,000 travel delay coverage per person ($250 per day) after 5 hours.
• Hurricane and weather coverage after a common carrier delay of any amount of time.
• Only $50,000 per person emergency medical coverage.
• Baggage delay coverage is only $200 and requires a 12-hour delay.

Best cheap travel insurance for seniors

Evacuation limit per person

Nationwide has the best cheap travel insurance for seniors — its Prime plan gets 4 stars in our best senior travel insurance rating. However, Nationwide’s Cruise Choice plan ranks higher in our best cheap travel insurance rating.

• Cruise Choice has a $500 per person benefit if a cruise itinerary change causes you to miss a prepaid excursion. It also has a missed connections benefit of $1,500 per person after only a 3-hour delay, for cruises or tours. But note that this coverage is secondary coverage to any compensation provided by a common carrier.
• Coverage for cruise itinerary changes, ship-based mechanical breakdowns and covered shipboard service disruptions.
• Non-medical evacuation benefit of $25,000 per person.
• Baggage loss benefits of $2,500 per person.
• Travel medical coverage is secondary.
• Trip cancellation benefit for losing your job requires three years of continuous employment.
• No “cancel for any reason” (CFAR) upgrade available.
• Missed connection coverage of $1,500 per person is only for tours and cruises, after a 3-hour delay.

Best cheap travel insurance for add-on options

AIG offers the best cheap travel insurance for add-on options because the Travel Guard Preferred plan allows you to customize your policy with a host of optional upgrades.

• Travel Guard Preferred upgrades include “cancel for any reason” (CFAR) coverage , rental vehicle damage coverage and bundles that offer additional benefits for adventure sports, travel inconvenience, quarantine, pets, security and weddings. There’s also a medical bundle that increases the travel medical benefit to $100,000 and emergency evacuation to $1 million.
• Bundle upgrades allow you to customize your affordable travel insurance policy.
• Emergency medical and evacuation limits can be doubled with optional upgrade.
• Base travel insurance policy has relatively low medical limits.
• $300 baggage delay benefit requires a 12-hour delay.
• Optional CFAR upgrade only reimburses up to 50% of trip cost.

Best cheap travel insurance for missed connections

TravelSafe has the best cheap travel insurance for missed connections because coverage is not limited to cruises and tours, as it is with many policies.

• Best-in-class $2,500 per person in missed connection coverage.
• $1 million per person in medical evacuation and $25,000 in non-medical evacuation coverage.
• Generous $2,500 per person baggage and personal items loss benefit.
• Most expensive of the best cheap travel insurance plans.
• No “interruption for any reason” coverage available.
• Weak baggage delay coverage of $250 per person after 12 hours.

Cheapest travel insurance comparison

How much does the cheapest travel insurance cost?

The cheapest travel insurance in our rating is $334. This is for a WorldTrips Atlas Journey Preferred travel insurance plan, based on the average of seven quotes for travelers of various ages to international destinations with a range of trip values.  

Factors that determine travel insurance cost

There are several factors that determine the cost of travel insurance, including:

• Age and number of travelers being insured.
• Trip length.
• Total trip cost.
• The travel insurance plan you choose.
• The travel insurance company.
• Any add-ons, features or upgraded benefits you include in the travel insurance plan.

Expert tip: “In general, travelers can expect to pay anywhere from 4% to 10% of their total prepaid, non-refundable trip costs,” said Suzanne Morrow, CEO of InsureMyTrip.

Is buying the cheapest travel insurance a good idea?

Choosing cheaper travel insurance without paying attention to what a plan covers and excludes could leave you underinsured for your trip. Comparing travel insurance plans side-by-side can help ensure you get enough coverage to protect yourself financially in an emergency for the best price. 

For example, compare these two Travelex travel insurance plans:

• Travel Basic is cheaper but it only provides up to $15,000 for emergency medical expense coverage. You’ll also have to pay extra for coverage for children.
• Travel Select will cost you a bit more but it covers up to $50,000 in medical expenses and includes coverage for kids aged 17 and younger traveling with you. It also offers upgrades such additional medical coverage, “cancel for any reason” (CFAR) coverage and an adventure sports rider that may be a good fit for your trip.

Reasons to consider paying more for travel insurance 

Make sure you understand what you’re giving up if you buy the cheapest travel insurance. Here are a few reasons you may consider paying a little extra for better coverage. 

• Emergency medical. The best travel medical insurance offers primary coverage for emergency medical benefits. Travel insurance with primary coverage can cost more than secondary coverage but will save you from having to file a claim with your health insurance company before filing a travel insurance claim.
• Emergency evacuation. If you’re traveling to a remote location or planning a boat excursion on your trip, look at travel insurance with a high medical evacuation insurance limit. If you are injured while traveling, transportation to the nearest adequate medical facility could cost in the tens to hundreds of thousands. It may make sense to pay more for travel insurance with robust emergency evacuation coverage. 
• Flexibility. To maximize your trip flexibility, you might consider upgrading your travel insurance to “ cancel for any reason” (CFAR) coverage . This will increase the cost of your travel insurance but allow you to cancel your trip for any reason — not just those listed in your policy. The catch is that you’ll need to cancel at least 48 hours before your trip and will only be reimbursed 50% or 75% of your trip expenses, depending on the plan. 
• Upgrades. Many travel insurance plans have optional extras like car rental collision and adventure sports (which may otherwise be excluded from coverage). These will cost you extra but may give you the coverage you need. 

How to find the cheapest travel insurance

The best way to find the cheapest travel insurance is to determine what you’re looking for in a travel insurance policy and compare plans that meet your needs.

 “Travel insurance isn’t one-size-fits-all. Every trip is different, and every traveler has different needs, wants and concerns. This is why comparison is key,” said Morrow.

Consider the following factors when comparing cheap travel insurance plans.

• How often you’re traveling. A single-trip policy may be the most cost-effective if you’re only going on a single trip this year. But a multi-trip travel insurance plan may be cheaper if you’re going on multiple international trips throughout the year. Annual travel insurance policies cover you for a whole year as long as each trip doesn’t exceed a certain number of days, usually 30 to 90 days. 
• Credit card has travel insurance benefits. The best credit cards offer perks and benefits, and many offer travel insurance-specific benefits. The coverage types and benefit limits can vary, and you must put the entire trip cost on the credit card to use the coverage. If your trip costs more than the coverage limit on your card, you can supplement the rest with a cheaper travel insurance plan.
• The coverage you need. When looking for the best travel insurance option at the most affordable price, only buy extras and upgrades you really need. A basic plan may only provide up to $500 in baggage insurance, but if you only plan to take $300 worth of clothes and accessories, you don’t need to pay more for higher coverage limits.

Is cheap travel insurance worth it?

Cheap travel insurance can be worth it, as long as you understand the plan limitations and exclusions. Taking the time to read your policy, especially the fine print, well before your trip can ensure there won’t be any surprises about what’s covered once your journey begins.

“If a traveler is looking for coverage for travel delays, cancellations, interruptions, medical and baggage — a comprehensive travel insurance policy will provide the most bang for their buck,” said Morrow. But if you’re on a tight budget and are only worried about emergency medical care and evacuation coverage while traveling abroad, stand-alone options are cheaper.

Before buying travel insurance, you should also consider what your health insurance will cover. 

“Most domestic health insurance plans, including Medicare, will not cover medical bills abroad,” said Morrow. Even if you’re staying stateside, you may find value in an affordable travel insurance plan with medical coverage if you have a high-deductible health plan (HDHP). 

A cheap travel insurance plan is better than none at all if you end up in a situation that would have covered some or all of your prepaid, nonrefundable trip expenses.

Methodology

Our insurance experts reviewed 1,855 coverage details and 567 rates to determine the best travel insurance . From those top-scoring travel insurance plans, we chose the most affordable for our rating of the cheapest travel insurance.

Insurers could score up to 100 points based on the following factors:

• Cost: 40 points. We scored the average cost of each travel insurance policy for a variety of trips and traveler profiles.
• Medical expenses: 10 points. We scored travel medical insurance by the coverage amount available. Travel insurance policies with emergency medical expense benefits of $250,000 or more per person were given the highest score of 10 points.
• Medical evacuation: 10 points. We scored each plan’s emergency medical evacuation coverage by coverage amount. Travel insurance policies with medical evacuation expense benefits of $500,000 or more per person were given the highest score of 10 points.
• Pre-existing medical condition exclusion waiver: 10 points. We gave full points to travel insurance policies that cover pre-existing medical conditions if certain conditions are met.
• Missed connection: 10 points. Travel insurance plans with missed connection benefits of $1,000 per person or more received full points.
• “Cancel for any reason” upgrade: 5 points. We gave points to travel insurance plans with optional “cancel for any reason” coverage that reimburses up to 75%.
• Travel delay required waiting time: 5 points. We gave 5 points to travel insurance policies with travel delay benefits that kick in after a delay of 6 hours or less.
• Cancel for work reasons: 5 points. If a travel insurance plan allows you to cancel your trip for work reasons, such as your boss requiring you to stay and work, we gave it 5 points.
• Hurricane and severe weather: 5 points. Travel insurance plans that have a required waiting period for hurricane and weather coverage of 12 hours or less received 5 points.

Some travel insurance companies may offer plans with additional benefits or lower prices than the plans that scored the highest, so make sure to compare travel insurance quotes to see your full range of options.

Cheapest travel insurance FAQs

When buying travel insurance, cheapest is not always the best. The most affordable travel insurance plans typically offer fewer coverages with lower policy limits and few or no optional upgrades. Add up your total nonrefundable trip costs and compare travel insurance plans and available features that cover your travel expenses. This strategy can help you find the cheapest travel insurance policy that best protects you from financial loss if an unforeseen circumstance arises.

Get the coverage you need: Best travel insurance of 2024

According to our analysis, WorldTrips , Travel Insured International and Travelex offer the best cheap travel insurance. Policy coverage types and limits can vary by each travel insurance provider, so the best way to get the cheapest travel insurance plan is to compare several policies and companies to find the right fit for your budget.

A good rate for travel insurance depends on your budget and coverage needs. The most comprehensive travel insurance plan is usually not the cheapest. But cheap trip insurance may not have enough coverage or the types of coverage you want. Comparing different levels of coverage and how much they cost can help you find the best cheap insurance for travel. 

The average cost of travel insurance is between 5% to 6% of your total travel expenses for one trip, according to our analysis of rates. However, you may find cheaper travel insurance if you opt for a plan with fewer benefits or lower coverage limits. How much you pay for travel insurance will also depend on the number of travelers covered, their ages, the length of the trip and any upgrades you add to your plan.

Travel insurance covers nonrefundable, prepaid trip costs — up to the policy coverage limits — when your trip is interrupted or canceled for a covered reason outlined in your plan documents. Even the cheapest travel insurance policies usually provide coverage for:

• Medical emergencies.
• Trip delays.
• Trip interruption.
• Trip cancellation.
• Lost, stolen or damaged luggage.

However, if you’re looking to save on travel insurance, you can shop for a policy that only has travel medical insurance and does not include benefits for trip cancellation .

Even when you buy cheap travel insurance, you can often use upgrade options to customize your policy to meet your specific needs. 

Some common travel insurance add-ons you may want to consider include:

• Rental car damage coverage. 
• Medical bundle.
• Security bundle.
• Accidental death and dismemberment coverage.
• Adventure sports bundle.
• Pet bundle.
• Wedding bundle.
• “Cancel for work reasons” coverage.
• “Interruption for any reason” (IFAR) coverage.
• “Cancel for any reason” (CFAR) coverage .

Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.

Blueprint has an advertiser disclosure policy . The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.

Mandy is an insurance writer who has been creating online content since 2018. Before becoming a full-time freelance writer, Mandy spent 15 years working as an insurance agent. Her work has been published in Bankrate, MoneyGeek, The Insurance Bulletin, U.S. News and more.

Heidi Gollub is the USA TODAY Blueprint managing editor of insurance. She was previously lead editor of insurance at Forbes Advisor and led the insurance team at U.S. News & World Report as assistant managing editor of 360 Reviews. Heidi has an MBA from Emporia State University and is a licensed property and casualty insurance expert.

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• SINGLE TRIP EMERGENCY MEDICAL 1 of 5
• SINGLE TRIP ALL INCLUSIVE 2 of 5
• SINGLE TRIP CANADIAN TRAVEL EMERGENCY MEDICAL 3 of 5
• TRIP CANCELLATION / INTERRUPTION 4 of 5
• COVID-19 PANDEMIC TRAVEL PLAN 5 of 5
• MULTI TRIP EMERGENCY MEDICAL 1 of 2
• MULTI TRIP ALL INCLUSIVE 2 of 2
• EMERGENCY MEDICAL TOP-UP 1 of 1
• EMERGENCY MEDICAL PLAN 1 of 1
• CANADIAN STUDYING IN CANADA OUTSIDE THE HOME PROVINCE 1 of 3
• INTERNATIONAL STUDENT STUDYING IN CANADA 2 of 3
• CANADIAN STUDYING OUTSIDE CANADA 3 of 3

Single Trip All Inclusive Travel Insurance for Canadians

Plan overview.

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

Emergency Medical benefits up to $10 million to cover expenses for:

• Emergency treatment
• Paramedical services
• Ambulance transportation
• Emergency dental treatment
• Emergency medical evacuation home
• Repatriation of remains
• Bringing someone to your beside
• Return home of children in the care of the insured
• Return home of travel companion
• Additional expenses for meals and hotel
• Return home of vehicle
• Subsistence allowance
• Return of excess baggage
• Phone call expenses
• Terrorism coverage

Conditions, limitations and exclusions apply.

Eligibility

To be eligible for insurance under this plan, an applicant must be at least 30 days of age, a resident of Canada and covered under a Canadian, provincial or territorial government health insurance plan.

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

Application & Medical Questionnaire

• Can be completed up to 180 days prior to the effective date.
• Single Trip plans must be purchased for the entire duration of the trip.

At the time of application, if the applicant is:

Under Age 60: if you’re age 59 or younger, you automatically qualify for Rate Category A. You must confirm your eligibility to purchase this plan and you do not need to complete any medical questions to determine your rate category.

Over Age 60: you need to complete the medical questionnaire to determine your eligibility and rate category.

Individual Medical Underwriting Plan for any age, if you would like your pre- existing medical conditions to be covered with no stability requirements, you can apply for emergency medical coverage under Scotia's Individual Medical Underwriting Plan. Simply call 1-877- 372-2992.

You will need to be able to answer questions related to your medical condition(s).

Your cost will vary according to your specific health needs and circumstances.

When you pay the quoted premium for the Individual Medical Underwriting Plan, your pre-existing medical conditions will be covered during your trip with no stability requirement.

TRAVEL TIP: Be sure to review your policy and all documents when you purchase the Scotia Individual Medical Underwriting Plan to ensure that all your medical conditions have been disclosed and that you have answered all questions truthfully and accurately. If you omit or inaccurately disclose any medical condition, you may not be covered for any condition in the event of a claim.

Pre-Existing Medical Condition Exclusions

Rate category determines the period of the stability required for coverage of any pre-existing medical condition. Rate Categories are applicable to Emergency Medical Insurance

Scotia Travel Insurance will not pay any expenses for Emergency Medical Insurance relating to a……

Pre-existing medical condition:, heart condition:.

if, in the time period before the effective date of coverage, any heart condition has not been stable or required any form of nitroglycerine for the relief of angina pain.

Lung condition:

if, in the time period before the effective date of coverage, any lung condition has not been stable or has required treatment with oxygen or Prednisone for the lung condition.

Pre-Existing Medical Condition

"Pre-Existing medical condition" means any medical condition that existed before the effective date.

Medical Condition

"Medical condition" means any disease, sickness or injury (including symptoms of undiagnosed conditions).

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

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

All of the above conditions must be met for a medical condition to be considered stable.

Pre-Existing Medical Condition Exclusions - Trip Cancellation / Interruption

Scotia Travel Trip Cancellation / Interruption Insurance will not cover any expenses or benefits relating to any medical condition that was not stable in the three (3) months before the purchase date of insurance; as shown on the confirmation.

Medical Condition :

• "Medical condition" means any disease, sickness or injury (including symptoms of undiagnosed conditions).

Trip Cancellation / Interruption

Trip Cancellation / Interruption Benefits 

• Up to $3,500 per insured per trip for the Single Trip All Inclusive plan

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

Baggage Loss, Delay and Damage

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

• Up to $100 for replacement of a lost or stolen passport, driver's license, 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 enroute. 
• Up to $300 per trip for any item or set of items to a maximum of $1,000.

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

Flight & Travel Accident

Flight & 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.

**If the claim is a result of an act of terrorism, this benefit may be limited.

Coverage Start & End Dates

Effective Dates and Expiry Dates 

Coverage starts:

For Trip Cancellation coverage, on the date the policyholder pays the premium for this coverage, shown as purchase date on the confirmation.

For all other coverages, on the later of:

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

Coverage ends on the earliest of the following:

Trip Cancellation coverage, on the earlier of:

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

For all other coverages, on the earlier of:

• the date the policyholder returns home;

Refunds & Extensions

Refunds and Cancellations are not permitted on All Inclusive plans. 

• Premium rates are in $CDN per person.
• Rates are subject to change without notice.
• The rate category; and
• The age at the time of application; and
• The trip length.
• The date of departure; and
• The date of return.

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

Important Information

You must call the Assistance Centre before obtaining emergency treatment, so that we may:

• confirm coverage
• provide pre-approval of treatment

If it is medically impossible for you to call prior to obtaining emergency treatment, we ask that someone call on your behalf. Otherwise, if you do not call the Assistance Centre before you obtain emergency treatment you will have to pay 20% of the eligible medical expenses we would normally pay under this insurance.

Read the certificate with particular attention to "pre-existing medical condition" and other exclusions that apply to the coverage.

The Scotia Travel Insurance certificate should be kept with you at all times when travelling. It includes telephone numbers in case of an emergency or if an extension is required.