Includes Emergency Medical, Trip Cancellation & Interruption, Baggage Loss, Damage & Delay, Flight Accident and Travel Accident.

Overview of Emergency Medical Benefits*

  • Up to $10 million in emergency medical coverage
  • Coverage for paramedical services
  • Ambulance transportation
  • Emergency dental treatment
  • Expenses related to death
  • Emergency medical return home
  • Visit to bedside if travelling alone
  • Return of children in the care of the insured
  • Additional expenses for meals and hotel
  • Return home of vehicle
  • Return of travel companion
  • Hospital allowance
  • Expenses for child care
  • Return of excess baggage
  • Phone call expenses
  • Pet return
Overview of Trip Cancellation and Trip Interruption Benefits*
  • Up to $3,500 per insured per trip, and up to $6,000 per policy for Multi-Trip All-Inclusive Plans
  • Reimbursement of prepaid portion of the trip that is non-refundable and non-transferable to another travel date for a covered event
Highlights of some of the insured risks:

Expenses related to:
  • Unexpected medical emergency or death of insured (or insured's travel companion)
  • Unexpected medical emergency or death of insured's (or insured's travel companion's) immediate family member or key person
  • Cancellation of a business meeting
  • Canadian Government issues a Travel Advisory related to the travel destination
  • Travel visa not issued
  • The person whose guest the insured will be during the trip has a medical emergency or dies
  • Missed connection
Overview of Baggage Loss, Damage & Delay Benefits*

This coverage relates to the loss of, damage to, and delay of baggage and effects. This insurance provides coverage for the following expenses:
  • Up to $100 per trip for replacement of a lost or stolen passport, driver's licence, birth certificate or travel visa
  • Up to $500 for necessary toiletries and clothing when luggage is delayed by the carrier for at least 10 hours while the insured is en route. The maximum payable for this benefit under the Multi-Trip All-Inclusive plan is $1,500 per policy
  • Up to $300 per trip for any item or set of items to a maximum of $1,000. The maximum payable for this benefit under the Multi-Trip All-Inclusive Plan is $3,000 per policy
Overview of Flight Accident and Travel Accident Benefits*

Flight Accident and Travel Accident Insurance covers the following benefits:
  • If an accidental bodily injury causes the insured to die, to become completely and permanently blind in both eyes or to have two limbs fully severed above the wrist or ankle joints, in the 12 months after the accident, Manulife will pay: $100,000 under Flight Accident Insurance; or $50,000 under Travel Accident Insurance
  • If an accidental bodily injury causes the insured to become completely and permanently blind in one eye or have one limb fully severed above a wrist or ankle joint in the 12 months after the accident, Manulife will pay: $50,000 under Flight Accident Insurance; or $25,000 under Travel Accident Insurance
  • If the insured has more than one accidental bodily injury during the trip, Manulife will pay the applicable insured sum only for the one accident that entitles the insured to the largest benefit amount
* Please note: If the claim is a result of an act of terrorism, this benefit may be limited. Other exclusions, limitations and conditions apply. See the policy for details.