Travel Insurance Coverage for Canadians | CoverMe by Manulife Financial

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CoverMe™ Travel Insurance for Canadians
What's Covered

Gain the financial protection that our travel insurance offers

This chart will give you a brief overview of the comprehensive coverage offered by CoverMe Travel insurance. For detailed information on our plans, please choose Single-Trip plans or Multi-Trip plans. If you would like to compare all of the CoverMe Travel insurance plans, click here.

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

Insurance Offered	Coverage Amounts (Per Insured Per Trip in $CAD)
Emergency Medical	Up to $5,000,000
Trip Cancellation & Trip Interruption	Cancellation & Interruption Combined Amount: Single-Trip Plan – up to sum insured to a maximum of $3,500 per insured per trip Single-Trip All-Inclusive Plan – up to $3,500 per insured per trip Multi-Trip Plans – up to $5,000 per insured per trip to a maximum of $7,000 per policy year
BounceBack Benefit Option	Up to $2,000
Baggage Loss or Damage	Up to $1,000 per trip. For Multi-Trip All Inclusive Plan, up to $3,000 per policy year
Baggage Delay	Up to $500 per trip. For Multi-Trip All Inclusive Plan, up to $1,500 per policy year
Flight Accident	$100,000 for death or double dismemberment, or $50,000 for single dismemberment
Travel Accident	$50,000 for death or double dismemberment, or $25,000 for single dismemberment
Acts of Terrorism Coverage applicable to Emergency Medical, Trip Cancellation & Trip Interruption	Overall maximum for all policies issued by us shall be: Emergency Medical is $35 million, per act of terrorism, for up to 2 acts of terrorism within a calendar year Trip Cancellation & Trip Interruption is $2.5 million, per act of terrorism, for up to 2 acts of terrorism within a calendar year

Please note: For all plans, if the covered expense results from an act of terrorism, all benefit maximums shown may be reduced subject to the Terrorism Coverage provision in the policy.

Coverage Start and End Dates

Plan	Coverage Starts (effective date):	Coverage Ends:
Single-Trip Emergency Medical & Travel Canada & Quick Trip Plan	On the later of: The date you leave home; or the departure date as shown on the confirmation.	On the earliest of these dates: the date you return home, or when the trip ends or is cancelled; when the number of days of coverage purchased expires; or on the expiry date as shown on the confirmation.
Single-Trip All-Inclusive	For Trip Cancellation coverage, the date you purchase this insurance as indicated on your confirmation. For all other coverages, on the later of: the date you leave home to begin your trip; or the effective date as shown on your confirmation.	For Trip Cancellation, when you leave home. For all other coverages, on the earliest of: the date you return home, or when your trip ends or is cancelled; when the number of days of coverage purchased expires; or on the expiry date as per the confirmation.
Multi-Trip Emergency Medical	On the effective date as shown on the confirmation; after that date, it starts each date you leave home.	On the earliest of these dates: the date you return home or when your trip ends; when the number of days of coverage purchased expires; or on the expiry date as shown on the confirmation.
Multi-Trip All-Inclusive	For Trip Cancellation coverage, when you purchase your prepaid trip and you have already purchased this insurance. For all others, coverage starts on the effective date as shown on the confirmation; after that date, it starts each date you leave home.	For Trip Cancellation, the earliest of when you leave home or when your trip is cancelled, or on the expiry date as shown on your confirmation. For other coverages, on the earliest of these dates: the date you return home or when your trip ends; when the number of days of coverage purchased expires; or on the expiry date as shown on the confirmation.
Trip Cancellation & Trip Interruption	For Trip Cancellation, the date you purchase this insurance as indicated on your confirmation. For Trip Interruption, the date you leave home.	For Trip Cancellation: when you return home or when your trip ends or is cancelled. For Trip Interruption, the date you return home, or when your trip ends or is cancelled.
Top-Ups	On the effective date as shown on the confirmation.	On the earliest of these dates: the date you return home; when the number of days of coverage purchased expires; or on the expiry date as shown on the confirmation.

Refunds and Extensions

Refunds

You may cancel this insurance at any time before its effective date.

If you return home early, you can apply for a refund of the premium (minimum $25.00) for the unused coverage providing there has been no claim reported or initiated against the policy, no assistance service has been provided and you have mailed your written refund request within 5 days of your return along with proof of the date you actually returned home.

All travellers insured under the same policy must return together for a refund to be possible.

Refunds and Cancellations are not permitted on the Trip Cancellation & Trip Interruption, All-Inclusive and Multi-Trip All-Inclusive plans. The BounceBack Benefit is only refundable prior to the effective date.

Extensions

Extensions are available if, at the time you apply for an extension, you have not had an event that resulted in or may result in a claim against the policy and there has been no event that has resulted or may result in a claim against the policy, there has been no change in your health status, and if your trip, including the extension, does not exceed 183 days (212 days for residents of Ontario or Newfoundland). Minimum premium of $25 will apply.