Quote and apply for Travel Insurance for Canadians | Manulife (2024)

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.

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

Single-Trip TravelEaseTM

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

COVID-19 Pandemic Plan

This plan can help protect you even if the travel advisory for your destination changes to "Avoid Non-Essential Travel" due to COVID-19.

  • Up to $1 million for COVID-19 related emergency medical costs (up to $5 million if vaccinated)
  • Up to $5 million for non-COVID-19 related emergency medical coverage

Non-medical plans

Life happens, and even the most carefully planned trip can still be negatively affected by circ*mstances 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.

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

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

Download a comparison chart for non-medical plans (opens PDF)

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.

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

Youth All-Inclusive

A discounted all-inclusive plan for travelers 29 and under.

  • Up to $1 million in emergency medical coverage, including COVID 19 related emergency medical costs*
  • 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

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

Download a comparison chart for all-inclusive 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.

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

Multi-Trip TravelEaseTM

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

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

Download a detailed comparison chart for multi-trip 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.

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
Quote and apply for Travel Insurance for Canadians | Manulife (2024)

FAQs

Who is the best travel insurance company in Canada? ›

  • Best for thrill seekers: World Nomads. ...
  • Best for families: CAA Travel Insurance. ...
  • Best for seniors and retirees: Blue Cross. ...
  • Best for budget travellers: Travel CUTS Bon Voyage Insurance. ...
  • Best for Canadians with pre-existing medical conditions: Manulife CoverMe. ...
  • Best for emergency medical assistance: Medipac Travel Insurance.

Can Canadians buy travel insurance in the US? ›

YES! Canadians CAN purchase US travel insurance policies from American Visitor Insurance to cover the remainder of their stay (as long as they like).

Do Canadian citizens need travel insurance for Canada? ›

Visiting, returning to Canada or newly landed? For those who are coming to Canada, including visitors to Canada, landed immigrants and Canadian citizens returning home after a lengthy time spent abroad, in an emergency, you will need insurance coverage to see a doctor.

How much does travel insurance cost Canada? ›

The cost of trip insurance in Canada can vary widely, but on average, you might spend between CAD 50 and CAD 300. The price depends on factors like your destination, trip length, age, and the coverage you choose. It's similar to how plane ticket costs vary based on when and where you're flying.

What company offers the best travel insurance? ›

The Best International Travel Insurance Companies in Detail
  • Faye. Our Top Pick. ...
  • Travelex. Best for families. ...
  • Nationwide Travel Insurance. Best for cruise travel. ...
  • Tin Leg. Best for customizable coverage. ...
  • Berkshire Hathaway Travel Protection. Best for luxury travelers. ...
  • Seven Corners Travel Insurance. ...
  • AIG Travel Guard.
Jul 31, 2024

What is the number one insurance company in Canada? ›

Key Takeaways. Manulife Financial is the largest insurance provider in Canada and offers a broad range of financial services. Great-West Lifeco, Inc., the second-largest insurer, operates as a holding company for six subsidiaries.

Is Allianz travel insurance any good? ›

We at the MarketWatch Guides team awarded Allianz Travel Insurance 4.1 out of 5 stars based on our provider review methodology. Named our pick for concierge services, Allianz offers 24/7 travel assistance through a multilingual team, which can help policyholders with travel and coverage issues while abroad.

How much does travel insurance cost? ›

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.

What does travel insurance not cover? ›

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.

Why is travel insurance to Canada so expensive? ›

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.

What counts as a pre-existing condition? ›

A pre-existing medical condition (PEMC) is an illness or injury you had before your policy began or was renewed. Examples of pre-existing medical conditions include, diabetes, asthma, high cholesterol or a long-term back condition.

Does my health insurance cover Canada? ›

Making plans for medical bills in Canada

Canada doesn't accept Medicare from the U.S., and your health insurance won't cover you unless you have global coverage. The Government of Canada will also not cover hospital and medical expenses for visitors, including American tourists.

Does my AAA membership include travel insurance? ›

Does AAA membership include travel insurance? AAA membership does not include travel insurance, travel insurance must be purchased. However, AAA does offer membership exclusive plans such as their TripAssist plan.

Is 50000 travel insurance enough? ›

Every plan is different, but the coverage amounts and benefits may vary. Determine how much you really need. For example, SquareMouth recommends international travelers get around $50,000 in Emergency Medical coverage and $100,000 for cruises or travel to remote areas.

Why is US travel insurance so expensive? ›

Why is travel insurance to America so expensive? You may notice when shopping around for travel insurance to the USA that it costs a lot more than for holidays to Europe. The reason for this is the US is deemed a higher risk destination because healthcare is much more expensive than the rest of the world.

What travel insurance do I need for Canada? ›

As Canada is a part of North America, you'll need worldwide travel insurance to protect you against: Loss, damage, or theft of your belongings - If your luggage goes missing or is damaged in transit, your insurance will help cover the costs of replacing your things.

What is a good rate for travel insurance? ›

How much is travel insurance? The average cost of travel insurance is 5% to 6% of your nonrefundable trip expenses.

Can I use my US health insurance in Canada? ›

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.

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