Frequently Asked Questions (FAQ)
Travelling Canadians
Please contact us at 1-800-565-2338 (ET) 8:30 a.m. to 8:00 p.m., Monday to Friday.
Please refer to the Government of Canada website for their recommendation on this matter: https://travel.gc.ca/travelling/documents/travel-insurance
You can choose to purchase coverage for the entire time you are away from your province of residence or just for the portion of your trip that is away from Canada. In other words, the effective date of coverage can be either the last day you are in your province of residence or the last day you are in Canada. As government health insurance plans vary among the provinces and most do not provide emergency return home benefits, you should consider coverage for the full length of your trip.
Government health insurance plans do have limits on the reimbursement of the emergency medical expenses incurred while in another province. For example, air and ground ambulance costs, emergency dental treatment and prescription drugs might not be covered outside your province of residence. For maximum protection, purchase additional medical coverage even while travelling within Canada.
Yes. Manulife Financial Travel Insurance allows top-up coverage of another insurer’s plan. You are responsible for ensuring that your current coverage is in force and allows top-up. Your top-up coverage is subject to the terms and conditions of the Manulife Financial Travel Insurance plan.
If you are already on your trip, you can extend coverage by calling our Assistance Centre provided there has been no claim, no injury, illness, or symptom has occurred that would give rise to a claim, or a change in your health. In addition, you must request the extension before your coverage expires and pay the appropriate premium. If you have a medical condition or pending claim, approval of the extension of your coverage is subject to the approval of our Assistance Centre.
If you have a Multi-Trip Plan, you must top up your coverage before you leave home by purchasing an Emergency Medical Top-Up plan for the additional number of days beyond the duration provided by your Multi-Trip.
Yes, grandchildren fall under our definition of a dependent but the dependent grandchild must be named on the confirmation, you must pay the premium for Family Coverage, and all travellers covered under a family policy must be under 60 years of age.
Actually, you can buy family coverage. We will make the eldest child travelling the policyholder, and then your other children travelling with the eldest will be the insured under a family policy provided they are named on the application and listed on the confirmation of coverage and you pay the premium for Family Coverage.
Yes.
Yes, you will need to purchase a family plan and have the parent’s/grandparent's children/grandchildren listed on the confirmation of coverage. Family coverage for all family members must start and end on the same dates.
The published rates for all plans include a zero deductible. The following deductible options and savings are available for the Single-Trip Emergency Medical Plan and the Multi-Trip Emergency Medical Plan:
| Savings on premium | Deductible amount($CAD) |
|---|---|
| 10% | $500 |
| 15% | $1,000 |
| 30% | $5,000 |
| 35% | $10,000 |
Please note: Deductible amounts apply to emergency medical coverage only. Deductible options are not available on the Single-Trip All-Inclusive plans or the Multi-Trip All-Inclusive plans or on the Covid-19 Pandemic Travel Plan.
Yes, if a breakdown of your car prevents you from travelling on your expiry date, we will extend coverage for up to 72 hours.
A medical emergency is eligible for coverage if treated in an outpatient clinic or doctor’s office. You must contact our Assistance Centre prior to receiving any treatment.
We ask you to call our Assistance Centre so that we can confirm your enrolment under the plan, and, with the healthcare provider, manage the benefits in accordance with your policy. By calling the Assistance Centre, you may avoid out-of-pocket expenses. If you do not call the Assistance Centre, you will have to pay 20% of the medical expenses normally covered under this policy. If it is medically impossible for you to call, please have someone call on your behalf. It is your responsibility to ensure that the Assistance Centre has been notified.
As outlined in our insurance policies, it is essential that you contact our Assistance Centre prior to receiving medical treatment. The Assistance Centre has existing relationships with certain medical providers all over the world, to ensure emergency situations are handled as smoothly as possible. Our Assistance Centre will communicate with your medical provider, arrange direct billing where possible and coordinate payment of the emergency service received. See policy for details.
Manulife will provide a confirmation for the premium payment, which is an official receipt recognized by Canada Revenue Agency.
In order to be covered under this plan, children have to be at least 30 days old.