The CoverMe Travel Multi-Trip Emergency Medical plan* offers you affordable, yet comprehensive travel insurance protection, including:

• Up to $5 million in emergency medical coverage
• Coverage for paramedical services
• Ambulance transportation
• Emergency dental treatment
• Expenses related to death
• Emergency Evacuation home
• Visit to bedside if travelling alone
• Return home of children under your care
• Additional expenses for meals and hotel
• Return home of vehicle
• Trip break, return home without terminating coverage

* Please note: If the claim is a result of an act of terrorism, emergency medical benefits may be limited. Other conditions, limitations and exclusions apply. Please see the policy for details.

The CoverMe Travel Multi-Trip All-Inclusive plan* offers you the added confidence and security that comes from knowing that in addition to Emergency Medical, your protection also includes coverage for non-medical expenses, including Trip Cancellation & Trip Interruption, Baggage Loss, Damage and Delay, Flight Accident and Travel Accident.

Emergency Medical

• Up to $5 million in emergency medical coverage
• Coverage for paramedical services
• Ambulance transportation
• Emergency dental treatment
• Expenses related to death
• Emergency Evacuation home
• Visit to bedside if travelling alone
• Return home of children under your care
• Additional expenses for meals and hotel
• Return home of vehicle
• Trip break, return home without terminating coverage

Trip Cancellation & Trip Interruption

• Up to $5,000 per insured per trip, and up to $7,000 per policy
• Reimbursement of prepaid portion of the trip that is non-refundable and non-transferable to another travel date for a covered event

Baggage Loss, Damage and Delay

• Up to $100 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 to a maximum of $1,500 per policy year
• Up to $300 per trip for any item or set of items to a maximum of $1,000

Flight Accident and Travel Accident

• $100,000 under Flight Accident Insurance; or $50,000 under Travel Accident Insurance if an accidental bodily injury causes your death or causes you 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.
• $50,000 under Flight Accident Insurance; or $25,000 under Travel Accident Insurance, if an accidental bodily injury causes you 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.

* Please note: If the claim is a result of an act of terrorism, emergency medical benefits may be limited. Other conditions, limitations and exclusions apply. Please see the policy for details.

If you have a CoverMe Multi-Trip plan and are planning on travelling for longer than the coverage provided in your Multi-Trip plan, you can top up your coverage.

• Top-Up coverage must be purchased prior to the expiry date and is subject to an extra premium charge
• The Single-Trip Emergency Medical Plan is used to top up a Manulife Financial Multi-Trip plan or plans of other insurers, provided that the entire trip, including the top-up period, is not longer than 183 days (212 days for residents of Ontario or Newfoundland)
• It is your responsibility to confirm that top-up is permitted on your existing plan with no loss of coverage
• If you are age 55 or older, the Medical Questionnaire must be completed

Note: If a trip begins during the coverage period of your Multi-Trip plan but will extend beyond the expiry date, you can purchase top-up coverage for any travel days that fall after the expiry date or you can purchase a new CoverMe Travel Insurance Multi-Trip plan for the next 365-day period as long as the total duration of the trip does not exceed the maximum trip-length you chose when you purchased the Multi-Trip plan.