Manulife Travel Insurance for Travelling Canadians | Costco (2024)

FAQs

Does a Canadian citizen need travel insurance for travel in Canada? ›

However many Canadians do not even consider purchasing medical insurance when travelling within Canada. The Travel Industry Council of Ontario (TICO) does not sell travel insurance, but we do recommend that travellers consider purchasing travel protection to ensure their trips are FANTAS-TICO.

Most domestic policies will only cover you in your home country and have little to no coverage once you are traveling outside of your home country.

This insurance contains limitations and exclusions (i.e., medical conditions that are not stable, pregnancy, child born on trip, excessive use of alcohol, high risk activities). This insurance may not cover claims related to pre-existing medical conditions, whether disclosed or not at time of policy purchase.

If during your visit to Canada you get sick or injured, the Canadian government won't pay for any hospitalization or emergency medical services for visitors. Also, if you don't have proper medical insurance coverage, you will be liable to pay for any medical service out of your own pocket.

In most situations, Medicare won't pay for health care or supplies you get outside the U.S. The term “outside the U.S.” means anywhere other than the 50 states of the U.S., the District of Columbia, Puerto Rico, the U.S. Virgin Islands, Guam, American Samoa, and the Northern Mariana Islands.

Insurance Claims for Cross-Border Injuries

When you are a Canadian who has been injured in the US, you have a few insurance options that could cover medical treatment costs. If you have purchased travel insurance, it will likely cover your US hospital stay and other medical costs, depending on the coverage level.

According to our research, the average cost of travel insurance is $204, but you could pay anywhere between $14 and $765 for travel insurance. Solo travelers can expect to pay around $60-$100 for coverage. Travel insurance provides a range of protection before and during your trip.

Allianz insurance has received a four-star average rating from more than 3000 reviews on Product Review, and its dedicated comprehensive offering was awarded an average of 3.8 stars from 550 reviews.

There are two main types of travel insurance: trip protection plans and travel medical plans. Trip protection protects U.S. residents while traveling within the United States and abroad and is important if you don't want to lose the money you paid for your trip if you must cancel, interrupt, or delay your trip.

Most travel insurance policies won't pay out if you're negligent while under the influence of alcohol or drugs, and have an accident or have property stolen.

Who underwrites Manulife travel insurance? ›

Underwritten by The Manufacturers Life Insurance Company (Manulife) and First North American Insurance Company (FNAIC), a wholly owned subsidiary of Manulife. This site is used jointly by Manulife and FNAIC to provide you with the product summaries and policy samples.

Even though Canada is just over the border, your U.S. health insurance plan will not be accepted there unless it specifically provides global coverage. American Medicare also is not accepted in Canada. It's important to purchase travel medical insurance in case you suffer an injury or fall ill while in Canada.

Why is travel insurance to Canada so expensive? Medical care and treatment in Canada is of high quality, however, it is also very expensive. As a result, travel insurance for Canada often costs more as insurers will take the higher cost of healthcare into consideration if you have to make a claim.

Unlike other Commonwealth countries such as the UK, Australia and Canada don't have a reciprocal health care agreement. Therefore, travel insurance that can cover medical costs can be very beneficial to avoid turning your dream vacation into a financial nightmare.

Universality: all residents in Canada must have access to public healthcare. Portability: residents must be covered while traveling within Canada and, with limitations, while outside the country.

Proof of auto insurance is required. U.S. auto insurance is accepted for tourists in Canada.

Canadian residents without valid provincial or federal health insurance plan, considered uninsured residents of Canada, and non-residents of Canada are responsible for all Hospital fees. Hospital fees are in addition to attending physician fees as billed by the physician.