Manulife CoverMe
CoverMe™ Travel Insurance for Canadians
Multi-Trip Plan Details

Our annual plans: Designed for the frequent traveller

If you travel more than twice a year, CoverMe Travel Multi-Trip plans offer you a simple, affordable way to protect against the cost of unexpected emergencies when you're travelling outside your home province or outside of Canada. These annual travel insurance plans cover you for any number of trips you take within a one-year period. Trip duration options include 4, 10, 18 and 30 days. The Multi-Trip Emergency Medical Plan also offers a 60 day option.

For more detailed information outlining all the policy details, you can download the policy.

Emergency Medical

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

  • Up to $10 million in emergency medical coverage
  • Coverage for paramedical services
  • Ambulance transportation
  • Emergency dental treatment
  • Expenses related to death
  • Emergency evacuation home
  • Return of excess baggage
  • Visit to bedside if travelling alone
  • Return home of children under your care
  • Child care expenses
  • Return home of travel companion
  • Additional expenses for meals and hotel
  • Return home of vehicle
  • Hospital allowance
  • Phone call expenses
  • Pet return
  • Return to original trip destination
  • Terrorism coverage

* Please note: Other conditions, limitations and exclusions apply. Please see the policy for details.

All-Inclusive

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 $10 million in emergency medical coverage
  • Coverage for paramedical services
  • Ambulance transportation
  • Emergency dental treatment
  • Expenses related to death
  • Emergency evacuation home
  • Return of excess baggage
  • Visit to bedside if travelling alone
  • Return home of children under your care
  • Child care expenses
  • Return home of travel companion
  • Additional expenses for meals and hotel
  • Return home of vehicle
  • Hospital allowance
  • Phone call expenses
  • Pet return
  • Return to original trip destination
  • Terrorism coverage

Trip Cancellation & Trip Interruption

  • Up to $6,000 per insured per trip, and up to $9,000 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
  • Baggage Loss, Damage and Delay coverage is underwritten by the First North American Insurance Company, a wholly owned subsidiary of Manulife.

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: Other conditions, limitations and exclusions apply. Please see the policy for details.

Emergency Medical Top-Up

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
  • You may top up a Manulife Multi-Trip plan or plans of other insurers, provided you are covered by your Canadian government health insurance plan for the duration of your entire trip, including the top-up period.
  • It is your responsibility to confirm that top-up is permitted on your existing plan with no loss of coverage
  • If you are age 60 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.