Top-Up Options

  • Top-Up coverage must be purchased prior to the expiry date of the Multi-trip coverage and is subject to an extra premium charge.
  • The Emergency Medical Top-Up option is used to top up a Manulife Multi-Trip plan or plans of other insurers; provided that the entire trip outside of Canada, including the top-up period, is not longer than the duration allowed by the insured's government health insurance plan.
  • It is the responsibility of the applicant to confirm that top-up is permitted on the existing plan with no loss of coverage.
  • If the applicant is age 60 or older, the Medical Questionnaire must be completed.