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

Travel insurance protection that travels with you

CoverMe Travel Single-Trip plans give 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 as long as you are also covered by your Canadian government health insurance plan for the entire duration of your trip.

Choose the plan that's right for you:

Emergency Medical provides up to $10 million in emergency medical coverage.

Travel Canada Emergency Medical provides the Emergency Medical plan at 50% off the premium when all your travel is within Canada.

All-Inclusive includes Emergency Medical, Trip Cancellation & Trip Interruption, Baggage Loss, Damage and Delay, and Flight and Travel Accident.

Trip Cancellation & Trip Interruption, as a single-trip standalone plan or included in our All-Inclusive plan, protects your travel investment against unforeseen events.

Emergency Medical Top-Up provides additional coverage for those times when coverage under a Multi-Trip plan doesn't last long enough to cover your entire trip.

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

Emergency Medical

The CoverMe Travel Single-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
  • Trip Break, return home without terminating coverage
  • Return to original trip destination
  • Terrorism coverage

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

Travel Canada Emergency Medical

If your trip is entirely within Canada, choosing the CoverMe Travel Canada Emergency Medical plan* will save you 50% on your premium, but you'll still enjoy comprehensive 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
  • Trip Break, return home without terminating coverage
  • 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 Single-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
  • Trip Break, return home without terminating coverage
  • Return to original trip destination
  • Terrorism coverage

Trip Cancellation & Trip Interruption

  • Up to $6,000 per insured per trip
  • 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
  • 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.

Trip Cancellation & Trip Interruption

CoverMe Travel insurance Trip Cancellation & Trip Interruption* protection safeguards your travel investment in the event that you have to cancel or interrupt it due to unforeseen events. Coverage includes:

  • For Single-Trip stand-alone plan - up to the sum purchased (not to exceed $20,000), as indicated on your confirmation, for eligible expenses incurred before your departure date, actual cost of eligible expenses incurred on or after your departure date for travel arrangements paid for prior to your departure date
  • Up to $6,000 per insured per trip for the Single-Trip All-Inclusive plan
  • Up to $6,000 per insured per trip, and up to $9,000 per policy for the Multi-Trip All-Inclusive Plan
  • Reimbursement of prepaid portion of the trip that is non-refundable and non-transferable to another travel date for a covered event

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

Emergency Medical Top-Up or Extension

If you are already on your trip and need to apply for an extension of coverage, you may be able to extend your coverage as long as:

  • the total length of your trip, including the extension, does not exceed 183 days (212 days if you reside in Ontario or Newfoundland);
  • you pay the additional premium; and
  • there has been no event that has resulted or may result in a claim against the policy, and there has been no change in your health status.

If you have a CoverMe Travel insurance Multi-Trip plan and are planning on travelling for longer than the maximum trip length of your Multi-Trip plan:

  • 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.