Spend a little to save a lot in case of an emergency with Manulife travel insurance
When you’re travelling, unexpected expenses can result in a hefty bill on top of what you already paid for your trip. Travel insurance for Canadians can:
- Help pay for emergency health expenses if you were to get sick, fall and be sent to a foreign hospital
- Take your mind off “what ifs” and the financial consequences of flight delays or cancellations, misconnections, baggage issues, and more
- Minimize loss of non-refundable travel expenses when you must cancel for a covered reason, such as visa delays, or if a loved one gets sick and needs your care
Manulife travel plans for travelling Canadians
Single trip plans help protect you for one trip, either just for yourself or for your family. You can get these whenever you travel out-of-province or country.
Emergency medical plans
When you travel out of the country, you are responsible for all health-related expenses that could arise. Medical plans help you cover health care expenses such as physician services, ambulances, semi-private hospital accommodations, diagnostic tests, and more.
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Single-Trip Emergency Medical This plan helps protect you from emergency medical costs during one trip for the number of days you'll be away.
- Up to $10 million in emergency medical coverage, including COVID 19 related emergency medical costs*
- Save 50% when your travel is within Canada
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Single-Trip TravelEase™ This plan helps protect you from emergency medical costs, even if those costs are associated with a pre-existing medical condition.
- Up to $10 million in emergency medical coverage, including COVID 19 related emergency medical costs*
- Medical underwriting required to cover pre-existing medical conditions
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Non-medical plans
Life happens, and even the most carefully planned trip can still be negatively affected by circumstances outside of your control. We offer a range of protections for your trip, which can help you travel securely knowing that your prepaid travel costs are protected from cancellations, interruptions, baggage loss, and even changed plans.
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Trip Cancellation and Trip Interruption Helps cover non-refundable trip costs if you need to cancel, return early, or stay longer than planned due to a covered event.
- Select trip cancellation coverage amount based on your pre-booked trip expenses
- Select either $800, $1,500 or unlimited coverage to bring you home early due to a medical emergency or other covered events
- Up to $1,700 for misconnection and up to $1,500 for delay return coverage
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Non-Medical All-Inclusive Includes all benefits from the trip cancellation & interruption plan, and more.
- Select trip cancellation coverage amount based on your pre-booked trip expenses
- Unlimited trip interruption coverage for early return due to a medical emergency or other covered event
- Up to $2,700 for misconnection and up to $3,500 for delay return coverage
- Includes up to $1,500 coverage for baggage issues, $100,000 for flight accident, $50,000 for travel accident, and more
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All-inclusive plans
These comprehensive plans help protect you and your trip from the costs of unforeseen events and medical emergencies, so you can set out knowing that you’re prepared, and that we’re here to help in the event of the unexpected.
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Single-Trip All-Inclusive The best of both worlds – this comprehensive plan protects you from both emergency health costs and unexpected travel costs.
- Up to $10 million in emergency medical coverage, including COVID 19 related emergency medical costs*
- Select trip cancellation coverage amount based on your pre-booked trip expenses
- Unlimited trip interruption coverage to bring you home early due to a medical emergency or other covered events
- Up to $2,700 for misconnection and up to $3,500 for delay return coverage
- Includes up to $1,500 coverage for baggage issues, $100,000 for flight accident, $50,000 for travel accident, and more
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Youth All-Inclusive A discounted all-inclusive plan for travelers 29 and under.
- Select trip cancellation coverage amount, up to $5,000
- Economy flight to bring you home early due to a medical emergency or other covered events
- Same-class flight and up to $300 for accommodation and meals for misconnection and travel disruption coverage
- Includes up to $500 coverage for baggage issues, $25,000 for flight accident, $10,000 for travel accident, and more
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Youth Deluxe All-Inclusive A more comprehensive version of the youth all-inclusive plan, available at a discounted rate for travelers 29 and under.
- Up to $5 million in emergency medical coverage, including COVID 19 related emergency medical costs*
- Select trip cancellation coverage amount, up to $10,000
- Economy flight to bring you home early due to a medical emergency or other covered events
- Same-class flight and up to $1,300 for accommodation and meals for misconnection and travel disruption
- Includes up to $1,000 coverage for baggage issues, $100,000 for flight accident, $50,000 for travel accident, and more
View plan benefits
Download a comparison chart for all travelling Canadian plans (opens PDF)
*This plan will cease to provide coverage for COVID-19 related emergency medical costs if the government changes the travel advisory to "Avoid Non-Essential Travel" for your travel destination due to COVID-19.
For the seasoned traveler, these plans help protect you for unlimited trips within the year. They offer versatile and comprehensive protection that goes with you whenever — and wherever — you travel.
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Multi-Trip Emergency Medical Have more than one trip planned for the year? This plan helps protect you from emergency health costs for multiple trips in a year.
- Up to $10 million in emergency medical coverage, including COVID 19 related emergency medical costs*
- Get covered for unlimited number of days when travelling within Canada
- Protects unlimited trips per year
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Multi-Trip TravelEase™ This plan helps protect you from emergency medical costs for multiple trips a year, including pre-existing conditions approved through medical underwriting.
- Up to $10 million in emergency medical coverage, including COVID 19 related emergency medical costs*
- Medical underwriting required to cover pre-existing medical conditions
- Protects unlimited trips per year
View plan benefits -
Multi-Trip All-Inclusive Comprehensive protection that covers emergency medical and unexpected travel expenses.
- Up to $10 million in emergency medical coverage, including COVID 19 related emergency medical costs*
- Up to $1,500 or $2,500 per trip for trip cancellation, to a maximum of $10,000 per year
- Unlimited trip interruption coverage to bring you home early due to a medical emergency or other covered events
- Up to $2,700 for misconnection and up to $3,500 for delay return coverage per trip
- Includes up to $2,000 coverage for baggage issues, $100,000 for flight accident and $50,000 for travel accident insurance per trip, and more
- Protects unlimited trips per year
View plan benefits
Download a comparison chart for all travelling Canadian plans (opens PDF)
*This plan will cease to provide coverage for COVID-19 related emergency medical costs if the government changes the travel advisory to "Avoid Non-Essential Travel" for your travel destination due to COVID-19.
Have existing coverages through work or credit card? Did you know that these policies only protect you up to a certain number of days which might not be enough to protect you for the entire trip? You can top up your existing coverage to the full duration of your trip with the plan below.
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Emergency Medical Top-up Top up your existing credit card coverage or multi-trip plan from Manulife or another insurer.
- Up to $10 million in emergency medical coverage
- Save 50% when your travel is within Canada
- Includes coverage for COVID-19 related expenses
View plan benefits
Why Manulife
As a top travel insurance provider, all our plans for travelling Canadians come with the following benefits:
- Access to Manulife’s Travel Assistance 24/7 – 365 days a year – wherever you are in the world
- Full refund for medical plans before your effective date if you change your mind
- 50% off when you travel within Canada for select plans
FAQs
The cost of travel insurance for Canadian seniors varies depending on age, coverage level, duration and if you want coverage for pre-existing medical conditions, among other features and protections such as trip cancellation, trip interruption, and baggage loss.
Typically, travel insurance for Canadian snowbirds requires longer duration coverage than other types of trips, since snowbirds tends to stay down south in the USA for longer periods to escape the Canadian cold. The best travel insurance plans for snowbirds offer flexibility for easy extension and comprehensive emergency health coverage. Manulife offers Canadian seniors and snowbirds the flexibility to easily extend their coverage if needed, and our medical plans for vaccinated travellers all contain up to $10 million in medical coverage. If snowbirds are travelling to the USA multiple times a year, they can also consider purchasing a multi-trip plan to cover all their trips within one year.
Need assistance?
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Want to talk through your options? Have questions and want to speak to a licensed insurance advisor? We can help with that!
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Submit a travel claim Visit our dedicated travel portal to start a claim. First-time on the site? Simply register, activate your account, and sign in.
Go to the GEM Travel portal
Explore other travel insurance products
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Travel Insurance for Students Get help with medical expenses when studying away from home – either in Canada or abroad.
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Travel Insurance for Visitors to Canada Get affordable coverage for medical expenses while visiting Canada. Meets the requirements for the super visa.
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