Traveling is an exciting experience, but it comes with risks. Accidents, illnesses, and other unforeseen events can happen at any time. Therefore, having travel insurance is essential for any trip. One of the best travel insurance providers in Canada is Manulife. In this article, we will discuss everything you need to know about Manulife travel insurance.
What is Manulife Travel Insurance?
Manulife travel insurance is a protection plan that covers unforeseen events that may occur while you are traveling. It provides comprehensive coverage for medical emergencies, trip cancellations, trip interruptions, and other travel-related expenses. Manulife offers various travel insurance plans that cater to different needs, budgets, and destinations.
Manulife travel insurance is backed by reliable underwriters, and it has a 24/7 customer service hotline that you can call for assistance. With Manulife, you can travel with peace of mind knowing that you are protected in case of any mishap.
Types of Manulife Travel Insurance
Manulife offers different types of travel insurance plans to suit your travel needs. The following is a summary of the plans:
Plan Name |
Coverage |
Maximum Coverage |
Premium |
|---|---|---|---|
Single Trip |
Emergency medical, trip cancellation, trip interruption, baggage loss, and damage |
$5 million |
Varies depending on age, destination, and duration of travel |
Multi-Trip |
Same as Single Trip |
Varies depending on plan |
Varies depending on age, destination, and duration of travel |
All-Inclusive |
Same as Multi-Trip |
$10 million |
Varies depending on age, destination, and duration of travel |
Visitors to Canada |
Emergency medical, repatriation, and emergency dental |
$150,000 to $300,000 |
Varies depending on age, destination, and duration of stay |
Single Trip Travel Insurance
If you are traveling once or twice a year, the Manulife Single Trip travel insurance plan is the best option for you. It provides coverage for emergency medical expenses, trip cancellation and interruption, baggage loss and damage, and accidental death and dismemberment. You can choose from three levels of coverage: Basic, Standard, and Premium. The Basic plan covers lower amounts of benefits at a more affordable price, while the Premium plan provides the most extensive coverage.
With the Single Trip plan, you can tailor the coverage to meet your travel needs. You can also choose between different trip durations, from a few days up to a year. Additionally, if you decide to extend your trip, you can easily extend the coverage by contacting Manulife.
Multi-Trip Travel Insurance
If you travel frequently, the Manulife Multi-Trip travel insurance plan is an excellent option for you. It provides the same coverage as the Single Trip plan but for multiple trips within one year. You can travel as many times as you want, as long as each trip does not exceed the maximum duration of the policy you choose. The Multi-Trip plan offers Basic, Standard, and Premium coverage levels, depending on your needs and budget.
The Multi-Trip plan is perfect for business travelers, students, or retirees who travel frequently within Canada or abroad. It is more cost-effective than purchasing separate insurance for each trip, and it saves you time and hassle.
All-Inclusive Travel Insurance
The Manulife All-Inclusive travel insurance plan is the most comprehensive plan offered by Manulife. It provides the same coverage as the Multi-Trip plan but with higher benefit limits and additional features, such as sports coverage and accidental death and dismemberment coverage. The All-Inclusive plan also covers pre-existing medical conditions that are stable for a certain period before the trip.
The All-Inclusive plan is the best choice if you want complete peace of mind and are willing to pay a higher premium. It is suitable for travelers who engage in high-risk activities or travel to high-risk destinations. The All-Inclusive plan covers trips up to a year long.
Visitors to Canada Travel Insurance
If you have family or friends visiting Canada, the Manulife Visitors to Canada travel insurance plan is the perfect way to protect them during their stay. It provides coverage for emergency medical expenses, repatriation, and emergency dental treatment. The Visitors to Canada plan covers foreign nationals who are not eligible for public health insurance in Canada.
The Visitors to Canada plan has different coverage options and maximum benefit limits, depending on the age and health status of the visitor. You can choose the coverage duration that suits the length of their stay in Canada. The Visitors to Canada plan is required by the Canadian government as a condition of entry for some foreign nationals.
FAQ
What is covered under Manulife travel insurance?
Manulife travel insurance covers a wide range of unforeseen events, such as medical emergencies, trip cancellations and interruptions, baggage loss and damage, and accidental death and dismemberment. The coverage varies depending on the plan you choose, but all Manulife travel insurance plans are designed to provide comprehensive protection for travelers.
How do I purchase Manulife travel insurance?
You can purchase Manulife travel insurance online, through a licensed insurance broker, or by calling their customer service hotline. To purchase online, go to Manulife’s website and choose the travel insurance plan that suits your needs. You will be asked to provide your personal information, trip details, and credit card information. Once you complete the transaction, you will receive an email confirmation and policy documents.
What if I need to make a claim?
If you need to make a claim, call Manulife’s 24/7 customer service hotline as soon as possible. The customer service representative will guide you through the process and provide you with the necessary forms and documents. You will need to provide proof of the expenses incurred and any other relevant information. Manulife will assess your claim and provide you with the reimbursement or assistance you are entitled to.
Can I cancel my Manulife travel insurance policy?
You can cancel your Manulife travel insurance policy within a certain period after purchase, typically within 10 to 14 days. You will receive a full refund of the premium paid, provided that you have not started your trip yet and have not made any claims. If you cancel your policy after the grace period, you may be subject to cancellation fees or partial refunds, depending on the terms and conditions of your policy.
What if I need to extend my trip?
If you need to extend your trip, contact Manulife as soon as possible to extend your travel insurance coverage. You will need to pay an additional premium based on the duration of the extension and the coverage level you choose. You can extend your coverage as long as your policy has not expired and you have not made any claims.
Conclusion
Manulife travel insurance is one of the best options for travel protection in Canada. It offers comprehensive coverage for various travel-related risks, such as medical emergencies, trip cancellations and interruptions, baggage loss and damage, and accidental death and dismemberment. Manulife has different travel insurance plans that cater to different needs and budgets, and its customer service is available 24/7 for assistance. If you are planning a trip, be sure to get travel insurance from Manulife for peace of mind on your journey.