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Visit the Government of Canada website for the latest global travel advisories.
For fully vaccinated individuals - 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.
Recommended Offering:
One of the following:
- Premium Protection Plan
- All-Inclusive Plan
- Non-Medical Inclusive
- Trip Cancellation
Medical and Quarantine Coverage
Travel during the "Exercise a high degree of caution" advisory (Level 2)
| Premium Protection Plan | All-inclusive Plan | Medical Only | Non-Medical Plans | COVID-19 Pandemic Travel Plan (required for destinations with an “Avoid non-essential travel” advisory due to COVID-19) | |
|---|---|---|---|---|---|
| Emergency Medical – combined COVID-19 related and non-related expenses |
Up to $10M | Up to $5M | Up to $5M | N/A | Up to $5M (for fully vaccinated) Up to $1M (if not fully vaccinated) |
| Quarantine Benefits | Up to $500/day to a maximum of $5,000 per person | Up to $500/day to a maximum of $5,000 per person | Up to $350/day to a maximum of $3,500 per person | N/A | Up to $200/day to a maximum of $2,800 per person |
| Return Flight | Same class | One-way economy | One-way economy | N/A | Up to $500 |
Trip Cancellation Coverage
With published Terms & Conditions
| Premium Protection Plan | All-Inclusive Plan | Non-Medical/Trip Cancellation Only Plans | COVID-19 Pandemic Travel Plan | |
|---|---|---|---|---|
| Trip Cancellation | Up to sum insured | Up to sum insured | Up to sum insured | N/A |
| Cancel For Any Reason (CFAR) - Applicable for COVID-19 related claims | 7 days or more prior to departure: 80% 6 days to 24 hours prior to departure: 80% maximum $2,500 |
14 days or more prior to departure: 50% | 14 days or more prior to departure: 50% | N/A |
FTC/FCC Only (No Other Published Terms & Conditions)
| Premium Protection Plan | All-Inclusive Plan | Non-Medical/Trip Cancellation Only Plans | COVID-19 Pandemic Travel Plan | |
|---|---|---|---|---|
| Trip Cancellation | N/A | N/A Recommend zero prior |
N/A Recommend zero prior |
N/A |
| Cancel For Any Reason (CFAR) | N/A | N/A | N/A | N/A |
Need to know!
Until further notice, Manulife still considers COVID-19 a known event as outlined in our coverages for both Trip Cancellation and Trip Interruption insurance, but the following events are not considered Known Events if they occur after the purchase of your Trip Cancellation and Interruption insurance.
The following three exceptions to a Known Event apply only to Trip Cancellation insurance:
- Your sickness prior to departure (accompanied by a medical certificate) due to contracting COVID-19 that prevents you from travelling as planned
- A positive COVID-19 test result within 72 hours before your departure from home or during your trip which prevents you from travelling as planned
- Your job loss as a result of the pandemic impact at your place of employment
Trip Interruption coverage for COVID-19 related illness is limited to the benefits outlined in your policy.
Visit the Government of Canada website for the latest global travel advisories.
There is currently no advisory for travel within Canada.
Recommended Offering:
One of the following:
- Premium Protection Plan
- Canada All-Inclusive
- Canada Medical
- Non-Medical Inclusive
- Annual Plans
Medical and Quarantine Coverage
| Premium Protection Plan | Canada All-Inclusive Plan | Canada Medical and Annual Plans | Non-Medical Inclusive | |
|---|---|---|---|---|
| Medical related to COVID-19 | Up to $10M | Up to $5M | Up to $5M | N/A |
| Medical not related to COVID-19 | Up to $10M | Up to $5M | Up to $5M | N/A |
| Quarantine | Up to $500/day to a maximum of $5,000 per person | Up to $500/day to a maximum of $5,000 per person | Up to $350/day to a maximum of $3,500 per person | N/A |
| Return Flight | One Way - Same Class | One way economy | One way economy | N/A |
Trip Cancellation Coverage
With published Terms & Conditions
| Premium Protection Plan | Canada All-Inclusive, Non-Medical Inclusive, Trip Cancellation and Interruption & Annual All-Inclusive Plans | |
|---|---|---|
| Trip Cancellation | Up to sum insured | Up to sum insured |
| Cancel For Any Reason (CFAR) - Applicable for COVID-19 related claims | 7 days or more prior to departure: 80% 6 days to 24 hours prior to departure: 80% maximum $2,500 |
14 days or more prior to departure: 50% |
FTC/FCC Only (No Other Published Terms & Conditions)
| Premium Protection Plan | Canada All-Inclusive, Non-Medical Inclusive, Trip Cancellation and Interruption & Annual All-Inclusive Plans | |
|---|---|---|
| Trip Cancellation | N/A | N/A Recommend zero prior |
| Cancel For Any Reason (CFAR) | N/A | N/A |
Need to know!
Until further notice, Manulife still considers COVID-19 a known event as outlined in our coverages for both Trip Cancellation and Trip Interruption insurance, but the following events are not considered Known Events if they occur after the purchase of your Trip Cancellation and Interruption insurance.
The following three exceptions to a Known Event apply only to Trip Cancellation insurance:
- Your sickness prior to departure (accompanied by a medical certificate) due to contracting COVID-19 that prevents you from travelling as planned.
- A positive COVID-19 test result within 72 hours before your departure from home or during your trip which prevents you from travelling as planned.
- Your job loss as a result of the pandemic impact at your place of employment.
Trip Interruption coverage for COVID-19 related illness is limited to the benefits outlined in your policy.
Past booking using a Future Travel Credit. No insurance issued at time of booking
Visit the Government of Canada website for the latest global travel advisories.
For fully vaccinated individuals - 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.
Recommended Offering:
One of the following:
- All-Inclusive Plan
- Non-Medical Inclusive
- Trip Cancellation
Note: Trip Cancellation and Interruption can be added* if not included in original policy.
*Premium Protection Plan cannot be added since it must be purchased within 72 hours of initial trip payment. Cancel For Any Reason coverage will not apply with any new plan purchased where penalties already apply.
Medical and Quarantine Coverage
Travel during the "Exercise a high degree of caution" advisory (Level 2)
| All-Inclusive Plan | Medical Only | Non-Medical Plans | COVID-19 Pandemic Travel Plan (required for destinations with an “Avoid non-essential travel” advisory due to COVID-19) | |
|---|---|---|---|---|
| Emergency Medical –combined COVID-19 related and non-related expenses |
Up to $5M | Up to $5M | N/A | Up to $5M (for fully vaccinated) Up to $1M (if not fully vaccinated) |
| Quarantine Benefits | Up to $500/day to a maximum of $5,000 per person | Up to $350/day to a maximum of $3,500 per person | N/A | Up to $200/day to a maximum of $2,800 per person |
| Return Flight | One-way economy | One-way economy | N/A | Up to $500 |
Trip Cancellation Coverage
With published Terms & Conditions
| All-Inclusive Plan | Non-Medical/Trip Cancellation Only Plans | COVID-19 Pandemic Travel Plan | |
|---|---|---|---|
| Trip Cancellation | Up to sum insured | Up to sum insured | N/A |
| Cancel For Any Reason (CFAR) - Applicable for COVID-19 related claims | 14 days or more prior to departure: 50% | 14 days or more prior to departure: 50% | N/A |
FTC/FCC Only (No Other Published Terms & Conditions)
| All-Inclusive Plan | Non-Medical/Trip Cancellation Only Plans | COVID-19 Pandemic Travel Plan | |
|---|---|---|---|
| Trip Cancellation | N/A Recommend zero prior |
N/A Recommend zero prior |
N/A |
| Cancel For Any Reason (CFAR) | N/A | N/A | N/A |
Need to know!
Until further notice, Manulife still considers COVID-19 a known event as outlined in our coverages for both Trip Cancellation and Trip Interruption insurance, but the following events are not considered Known Events if they occur after the purchase of your Trip Cancellation and Interruption insurance.
The following three exceptions to a Known Event apply only to Trip Cancellation insurance:
- Your sickness prior to departure (accompanied by a medical certificate) due to contracting COVID-19 that prevents you from travelling as planned
- A positive COVID-19 test result within 72 hours before your departure from home or during your trip which prevents you from travelling as planned
- Your job loss as a result of the pandemic impact at your place of employment
Trip Interruption coverage for COVID-19 related illness is limited to the benefits outlined in your policy.
Visit the Government of Canada website for the latest global travel advisories.
There is currently no advisory for travel within Canada.
Recommended Offering:
One of the following:
- Canada All-Inclusive
- Canada Medical
- Non-Medical Inclusive
- Annual Plans
Note: Trip Cancellation and Interruption can be added* if not included in original policy.
*Premium Protection Plan cannot be added since it must be purchased within 72 hours of initial trip payment. Cancel For Any Reason coverage will not apply with any new plan purchased where penalties already apply.
Medical and Quarantine Coverage
| Canada All-Inclusive Plan | Canada Medical and Annual Plans | Non-Medical Inclusive | |
|---|---|---|---|
| Medical related to COVID-19 | Up to $5M | Up to $5M | N/A |
| Medical not related to COVID-19 | Up to $5M | Up to $5M | N/A |
| Quarantine | Up to $500/day to a maximum of $5,000 per person | Up to $350/day to a maximum of $3,500 per person | N/A |
| Return Flight | One way economy | One way economy | N/A |
Trip Cancellation Coverage
With published Terms & Conditions
| Canada All-Inclusive, Non-Medical Inclusive, Trip Cancellation and Interruption & Annual All-Inclusive Plans | |
|---|---|
| Trip Cancellation | Up to sum insured |
| Cancel For Any Reason (CFAR) | N/A |
FTC/FCC Only (No Other Published Terms & Conditions)
| Canada All-Inclusive, Non-Medical Inclusive, Trip Cancellation and Interruption & Annual All-Inclusive Plans | |
|---|---|
| Trip Cancellation | N/A Recommend zero prior |
| Cancel For Any Reason (CFAR) | N/A |
Need to know!
Until further notice, Manulife still considers COVID-19 a known event as outlined in our coverages for both Trip Cancellation and Trip Interruption insurance, but the following events are not considered Known Events if they occur after the purchase of your Trip Cancellation and Interruption insurance.
The following three exceptions to a Known Event apply only to Trip Cancellation insurance:
- Your sickness prior to departure (accompanied by a medical certificate) due to contracting COVID-19 that prevents you from travelling as planned.
- A positive COVID-19 test result within 72 hours before your departure from home or during your trip which prevents you from travelling as planned.
- Your job loss as a result of the pandemic impact at your place of employment.
Trip Interruption coverage for COVID-19 related illness is limited to the benefits outlined in your policy.
Past booking using a Future Travel Credit. With insurance issued at time of booking
Visit the Government of Canada website for the latest global travel advisories.
For fully vaccinated individuals - 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.
Recommended Offering:
- Any policy sold with original booking.
Note: Trip Cancellation and Interruption can be added* if not included in original policy.
*Premium Protection Plan cannot be added since it must be purchased within 72 hours of initial trip payment. Cancel For Any Reason coverage will not apply with any new plan purchased where penalties already apply.
Medical and Quarantine Coverage
Travel during the "Exercise a high degree of caution" advisory (Level 2)
| All-Inclusive Plan | Medical Only | Non-Medical Plans | |
|---|---|---|---|
| Emergency Medical – combined COVID-19 related and non-related expenses |
Up to $5M | Up to $5M | N/A |
| Quarantine Benefits | Up to $500/day to a maximum of $5,000 per person | Up to $350/day to a maximum of $3,500 per person | N/A |
| Return Flight | One-way economy | One-way economy | N/A |
Need to know!
For any policy issued before March 5th, 2020, all benefits remain the same as they were on issuance day. In other words, trip cancellation and interruption include COVID-19 benefits as the policy was issued prior to COVID-19 being a known event at Manulife.
Until further notice, Manulife still considers COVID-19 a known event as outlined in our coverages for both Trip Cancellation and Trip Interruption insurance, but the following events are not considered Known Events if they occur after the purchase of your Trip Cancellation and Interruption insurance.
The following three exceptions to a Known Event apply only to Trip Cancellation insurance:
- Your sickness prior to departure (accompanied by a medical certificate) due to contracting COVID-19 that prevents you from travelling as planned
- A positive COVID-19 test result within 72 hours before your departure from home or during your trip which prevents you from travelling as planned
- Your job loss as a result of the pandemic impact at your place of employment
Trip Interruption coverage for COVID-19 related illness is limited to the benefits outlined in your policy.
Manulife permits the recycling of polices for the original sum insured. New travel dates must be changed on the original policy by March 24, 2023. This does not mean, however, that clients must have travelled by this date.
Visit the Government of Canada website for the latest global travel advisories.
There is currently no advisory for travel within Canada.
Recommended Offering:
Trip Cancellation and Interruption can be added* if not included in original policy.
*Premium Protection Plan cannot be added since it must be purchased within 72 hours of initial trip payment. Cancel For Any Reason coverage will not apply with any new plan purchased where penalties already apply.
Need to know!
For any policy issued before March 5th, 2020, all benefits remain the same as they were on issuance day. In other words, trip cancellation and interruption include COVID-19 benefits as the policy was issued prior to COVID-19 being a known event at Manulife.
Until further notice, Manulife still considers COVID-19 a known event as outlined in our coverages for both Trip Cancellation and Trip Interruption insurance, but the following events are not considered Known Events if they occur after the purchase of your Trip Cancellation and Interruption insurance.
The following three exceptions to a Known Event apply only to Trip Cancellation insurance:
- Your sickness prior to departure (accompanied by a medical certificate) due to contracting COVID-19 that prevents you from travelling as planned
- A positive COVID-19 test result within 72 hours before your departure from home or during your trip which prevents you from travelling as planned
- Your job loss as a result of the pandemic impact at your place of employment
Trip Interruption coverage for COVID-19 related illness is limited to the benefits outlined in your policy.
Manulife permits the recycling of polices for the original sum insured. New travel dates must be changed on the original policy by March 24, 2023. This does not mean, however, that clients must have travelled by this date.
- You will need to be able to provide the terms and conditions from the supplier that were published at the original time of booking. We recommend you print a copy and keep it on file.
- The claim must be deemed payable.
- The clients' trip must depart as scheduled.
- When there is an FTC/FCC ONLY (credit provided and no other terms offered at initial time of booking), there is no trip cancellation coverage. We recommend zero prior package coverage.