Manulife Insurance for Canadians
Table of Contents
- Travel Insurance Introduction and Eligibility
- Policy Types and Definitions
- Evacuation / Air Ambulance membership programs
- Insurance for American Clients (Travelex)
- Insurance for Canadian Clients (Manulife)
Insurance for Canadian Clients (Manulife)
I can quote the following insurance to my Canadian clients (all are per person):
(I am licensed to sell to Ontario and BC residents and can refer others to Manulife’s referral department)
Canadian Residents: TO BE ELIGIBLE FOR INSURANCE UNDER A MANULIFE POLICY
For insurance plans (except Visitors Plans) that include Emergency Medical Insurance, you must be a resident of Canada and covered under a government health insurance plan for the entire duration of the trip. If at time of claim, it is discovered that you no longer have coverage under a government health insurance plan, the maximum amount payable for all eligible expenses combined will be limited to $25,000. At the time of your application for coverage under an insurance plan, you must meet the eligible age requirement for that plan. Please refer to the "Schedule of Maximum Benefits by Plan"
On December 15, 2021, the Government of Canada issued a Global COVID-19 Travel Advisory to “Avoid Non-Essential Travel” outside Canada. This means that any Canadian resident who is planning to travel will need the Manulife COVID-19 Pandemic Travel Plan to be covered for COVID-19 related medical expenses and quarantine benefits.
For Medical Plans and Medical Benefits:
Manulife Trip Cancellation with maximum trip cost of CAD 30,000*, no medical coverage, maximum 365-day absence, very few package benefits. CFAR of 50% of trip cost if cancelled at least 14 days prior to planned departure, and if policy purchased within 72 hours of first payment. Can be purchased internationally.
Policy Summary – Full Policy
Manulife Non-Medical Inclusive. As above, but with maximum 183-day absence, package benefits for flight delay, lost/delayed luggage, accidental death, etc. No medical expenses. This non-medical package plan is for thos looking for a package plan to complement their existing travel emmergency medical coverage. CFAR of 50% as above.
Policy Summary – Full Policy
Manulife Basic. Maximum age of 69, max trip of CAD 15,000 cancellation benefit, max absence of 183 days (or 60 days if age 60+). No package benefits. Emergency medical to CAD 1 million. No CFAR.
Policy Flyer – Full Policy
Manulife Global All-Inclusive. No maximum age, no medical questionnaire, max trip of CAD 30,000* cancellation benefit, max absence of 183 days (or 60 days if age 60-74; 45 days if 75+). Several package benefits. Emergency medical to CAD 5 million. CFAR of 50% of trip cost if cancelled at least 14 days prior to planned departure, and if policy is purchased within 72 hours of first payment.
Policy Summary – Full Policy
Manulife Premium Protection Plan. Most generous cancellation coverage (even sick family pet) and least strict stability requirements. Maximum age of 74, max trip of CAD 30,000 cancellation benefit, max absence of 30 days. Several package benefits. Emergency medical to CAD 10 million CFAR of 80% of trip cost if cancelled at least 7 days prior to planned departure; up to CAD 2500 per person if cancelled 6 days to 24 hours before departure. This policy can ONLY be purchased within 72 hours of first payment.
Policy Summary – Full Policy
Manulife Pandemic Policy. No cancellation or CFAR reimbursement. Emergency medical to CAD 5 million if vaccinated. No maximum absence. Coverage for expenses related to medical mandated quarantine, accommodation, meals and trip delay benefits. Medical questionnaire is required for ages 60+. Any Canadian resident who is planning to travel will need the Manulife COVID-19 Pandemic Travel Plan to be covered for COVID-19 related medical expenses and quarantine benefits.
Policy Summary – Full Policy - Questionnaire for Over 60 only
Examples of rates for a 50-yr-old traveller, one week trip duration, CAD 10,000 trip cost in nonrefundable elements:
(Rates quoted were effective on January 5, 2022, and are subject to change without notice; rates only confirmed when policy is purchased, and are provided here as a comparison only)
Cancellation only, non-medical, with 50% CFAR potential (must be purchased within 72 hr of first payment to include CFAR):
I can quote the following insurance to my Canadian clients (all are per person):
(I am licensed to sell to Ontario and BC residents and can refer others to Manulife’s referral department)
Canadian Residents: TO BE ELIGIBLE FOR INSURANCE UNDER A MANULIFE POLICY
For insurance plans (except Visitors Plans) that include Emergency Medical Insurance, you must be a resident of Canada and covered under a government health insurance plan for the entire duration of the trip. If at time of claim, it is discovered that you no longer have coverage under a government health insurance plan, the maximum amount payable for all eligible expenses combined will be limited to $25,000. At the time of your application for coverage under an insurance plan, you must meet the eligible age requirement for that plan. Please refer to the "Schedule of Maximum Benefits by Plan"
On December 15, 2021, the Government of Canada issued a Global COVID-19 Travel Advisory to “Avoid Non-Essential Travel” outside Canada. This means that any Canadian resident who is planning to travel will need the Manulife COVID-19 Pandemic Travel Plan to be covered for COVID-19 related medical expenses and quarantine benefits.
For Medical Plans and Medical Benefits:
- For the COVID-19 Pandemic Travel Insurance Plan, expenses related to COVID-19 will not be covered if the Government of Canada issues an "Avoid All Travel" Advisory, advising or recommending that Canadians not travel to a specific country, region or city on their date of departure.
- For all other plans with emergency medical benefits, expenses related to COVID-19 will not be covered if the Government of Canada issues an "Avoid Non-Essential Travel" Advisory, advising or recommending that Canadians not travel to a specific country, region or city on their date of departure.
- Current Travel Advisory status here.
Manulife Trip Cancellation with maximum trip cost of CAD 30,000*, no medical coverage, maximum 365-day absence, very few package benefits. CFAR of 50% of trip cost if cancelled at least 14 days prior to planned departure, and if policy purchased within 72 hours of first payment. Can be purchased internationally.
Policy Summary – Full Policy
Manulife Non-Medical Inclusive. As above, but with maximum 183-day absence, package benefits for flight delay, lost/delayed luggage, accidental death, etc. No medical expenses. This non-medical package plan is for thos looking for a package plan to complement their existing travel emmergency medical coverage. CFAR of 50% as above.
Policy Summary – Full Policy
Manulife Basic. Maximum age of 69, max trip of CAD 15,000 cancellation benefit, max absence of 183 days (or 60 days if age 60+). No package benefits. Emergency medical to CAD 1 million. No CFAR.
Policy Flyer – Full Policy
Manulife Global All-Inclusive. No maximum age, no medical questionnaire, max trip of CAD 30,000* cancellation benefit, max absence of 183 days (or 60 days if age 60-74; 45 days if 75+). Several package benefits. Emergency medical to CAD 5 million. CFAR of 50% of trip cost if cancelled at least 14 days prior to planned departure, and if policy is purchased within 72 hours of first payment.
Policy Summary – Full Policy
Manulife Premium Protection Plan. Most generous cancellation coverage (even sick family pet) and least strict stability requirements. Maximum age of 74, max trip of CAD 30,000 cancellation benefit, max absence of 30 days. Several package benefits. Emergency medical to CAD 10 million CFAR of 80% of trip cost if cancelled at least 7 days prior to planned departure; up to CAD 2500 per person if cancelled 6 days to 24 hours before departure. This policy can ONLY be purchased within 72 hours of first payment.
Policy Summary – Full Policy
Manulife Pandemic Policy. No cancellation or CFAR reimbursement. Emergency medical to CAD 5 million if vaccinated. No maximum absence. Coverage for expenses related to medical mandated quarantine, accommodation, meals and trip delay benefits. Medical questionnaire is required for ages 60+. Any Canadian resident who is planning to travel will need the Manulife COVID-19 Pandemic Travel Plan to be covered for COVID-19 related medical expenses and quarantine benefits.
Policy Summary – Full Policy - Questionnaire for Over 60 only
- Other plans are available for Youth/Student, Canada-Only, Medical-Only, Visitors to Canada, Annual, etc.
- Significant discount for Family policies.
- *Coverage for higher trip amounts or for travellers with pre-existing conditions may often be obtained by special arrangement. Please inquire.
Examples of rates for a 50-yr-old traveller, one week trip duration, CAD 10,000 trip cost in nonrefundable elements:
(Rates quoted were effective on January 5, 2022, and are subject to change without notice; rates only confirmed when policy is purchased, and are provided here as a comparison only)
Cancellation only, non-medical, with 50% CFAR potential (must be purchased within 72 hr of first payment to include CFAR):
- Manulife Trip Cancellation: CAD 806.
- Manulife Non-Medical Inclusive: CAD 740. (yes, a better deal, but straight Trip Cancellation allows trips of up to 365 days)
- Manulife Basic: CAD 350 (no CFAR)
- Manulife Global All-Inclusive: CAD 798 (incl 50% CFAR potential)
- Manulife Premium Protection: CAD 1248 (incl 80% CFAR potential)
- Manulife Pandemic Plan: CAD 34 (add to Non-Medical Inclusive for better coverage)
Errors and Omissions: Insurance is extraordinarily complicated, and evolving. Prices and details provided here are for informaiton only. Please refer to the policy links provided for full details, and whom to call for official clarification.