Manulife CoverMe
CoverMe™ Travel Frequently Asked Questions

CoverMe Travel Insurance for Travelling Canadians

Why does any Canadian travelling out of country need travel insurance? If a traveller gets sick when travelling, won't our government health insurance plan pay for their medical expenses?

"BON VOYAGE, BUT ...", published by Global Affairs Canada states: "Do not rely on your provincial or territorial health plan to cover costs if you get sick or are injured while abroad. Out-of-country health care can be costly, and your health plan may not cover any medical expenses abroad. It is your responsibility to seek information from your provincial or territorial health authority and to obtain supplementary travel insurance and understand the terms of your policy."

I am leaving my province of residence to travel to another province before actually leaving Canada. On which date should a trip start for Single Trip coverage?

You can opt to purchase coverage for the entire time you are away from your province of residence or just for the portion of your trip that is away from Canada. In other words, the effective date of coverage can be either the last day you are in your province of residence or the last day you are in Canada. As government health insurance plans vary among the provinces and most do not provide emergency return home benefits, you should consider coverage for the full length of your trip.

Is medical travel insurance necessary when travelling within Canada?

Government health insurance plans do have limits on the reimbursement of the emergency medical expenses incurred while in another province. For example, air and ground ambulance costs, emergency dental treatment and prescription drugs might not be covered outside your province of residence. For maximum protection, you should purchase additional medical coverage even while travelling within Canada.

I have 30 days of coverage on my credit card, but I am travelling for 45 days. Can Manulife provide coverage for the additional 15 days only?

Yes. CoverMe allows top up coverage of another insurer's plan. You are responsible for ensuring that your current coverage is in force and allows top-up. Your top-up coverage is subject to the terms and conditions of the CoverMe Travel insurance plan.

It is your responsibility to ensure that your existing plan permits top-ups.

Can coverage be extended during my trip?

If you are already on your trip, you can extend coverage by calling our Assistance Centre at 1-888-881-8010 or 1-519-945-8346 provided 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. In addition, you must request the extension before your coverage expires and pay the appropriate premium. Extension of your coverage is subject to the approval of our Assistance Centre at 1-888-881-8010 or 1-519-945-8346.

If you have a Multi-Trip Plan, you must top-up your coverage before you leave home, by purchasing a Top-Up plan for the additional number of days beyond the duration provided by your Multi-trip plan to the maximum allowed by your Canadian provincial or territorial government health insurance plan. To Top-Up your coverage after you leave home, you must call us at 1-877-COVERME® (1-877-268-3763).

If I am a Canadian student studying in the United States or abroad or if I am an International Student studying in Canada: does CoverMe Travel Insurance provide coverage?

You may purchase CoverMe Travel insurance for Students. This plan has been designed for students, including post-graduate researchers. Learn More.

I am travelling with a grandchild. Are we covered under a family policy?

Yes, grandchildren fall under our definition of a "child" but the dependent grandchild must be named on your confirmation and be travelling with you, and you must pay the premium for Family Coverage. All travellers covered under a family policy must be under 60 years of age.

My three children are travelling without me. In my opinion they are a family, but your definition of Family Coverage says the applicant, spouse and children must be travelling together. Why can't I buy family coverage for them?

Actually you can buy family coverage. We will make the eldest child travelling the policyholder and then your other children travelling with the eldest will be the insured under a family policy provided they are listed on the confirmation of coverage and you pay the premium for Family Coverage.

Do you cover foster children in your definition of dependant children?

Yes.

Can I purchase family coverage for only one parent and his/her children?

Yes, you will need to purchase a family plan and have the parent's children listed on your confirmation of coverage.

Are there any deductibles under these plans?

The published rates for all plans include a zero deductible. The following deductible options and savings are available for the Single-Trip Emergency Medical Plan and the Multi-Trip Emergency Medical Plan:

Savings on Premium Deductible Amount ($US)
15% $500
20% $1,000
35% $5,000
50% $10,000

Please note: Deductible amounts apply to emergency medical coverage only. Deductible options are not available on the Single-Trip All-Inclusive plans, Travel Canada Plans, or the Multi-Trip All-Inclusive plans.

Do you extend coverage automatically if my car breaks down?

Yes, we will extend coverage for up to 72 hours in the event of a breakdown of your personal vehicle.

Does your policy provide for services offered in out-patient clinics and doctors' offices or do I have to be hospitalized?

A medical emergency is eligible for coverage if treated in an out-patient clinic or doctor's office. You must contact our Assistance Centre at 1-888-881-8010 or 1-519-945-8346 prior to receiving any treatment.

The policy says that in the case of a medical emergency I am supposed to call the Assistance Centre. What if I don't get a chance to do that - will I still be covered?

We ask you to call our Assistance Centre at 1-888-881-8010 or 1-519-945-8346 so that we can confirm, with your healthcare provider, your enrolment in the plan, manage the benefits in accordance with your policy, and, when possible, avoid any out-of-pocket expenses for you. If you do not call the Assistance Centre at 1-888-881-8010 or 1-519-945-8346, you will have to pay 20% of the medical expenses normally covered under the policy. If it is medically impossible for you to call, please have someone call us on your behalf.

Immediate access to the Assistance Centre is also available through its TravelAid mobile app. To download the app, visit: http://Active-care.ca/TravelAid.

The TravelAid mobile app can also provide you with directions to the nearest medical facility, local emergency telephone numbers (such as 911 in North America), and pre- and post-departure travel tips.

Hospital and medical bills outside of Canada can easily run into thousands of dollars. Would I need to pay up front if I had an accident while travelling?

As outlined in our insurance policies, it is essential that you contact our Assistance Centre at 1-888-881-8010 or 1-519-945-8346 prior to receiving medical treatment. The Assistance Centre at 1-888-881-8010 or 1-519-945-8346 has existing relationships with medical providers in many vacation destinations, as well as contacts all over the world, to ensure emergency situations are handled as smoothly as possible. Our Assistance Centre at 1-888-881-8010 or 1-519-945-8346 will communicate with your medical provider, arrange direct billing where possible and coordinate payment of the emergency service received.

Immediate access to the Assistance Centre is also available through its TravelAid mobile app. To download the app, visit: http://Active-care.ca/TravelAid.

The TravelAid mobile app can also provide you with directions to the nearest medical facility, local emergency telephone numbers (such as 911 in North America), and pre- and post-departure travel tips.

Can I get an income tax receipt for the premium paid on this policy?

Manulife will provide a confirmation upon our receipt of the premium payment. This confirmation is your official receipt recognized by Canada Revenue Agency.

Does this policy cover newborns?

Unless otherwise stated in the policy, in order to be covered under this plan, children have to be at least 30 days old.

CoverMe Travel Insurance for Visitors to Canada

Are there any deductibles under these plans?

The published rates for all Emergency Medical Plans include a $75 deductible. The following deductible options and discounts are available for the Single-Trip Emergency Medical Plan:

Savings/Surcharge on Premium Deductible Amount ($CAD)
5% surcharge $0
0% surcharge $75
15% savings $500
20% savings $1,000
25% savings $2,500
35% savings $5,000

Please note: Deductible amounts apply to emergency medical coverage only. Deductible options are not available on the Trip Interruption plan.

Is Family coverage available?

Yes, Family coverage is available for Plan A Emergency Medical, Trip Interruption and Travel Accident plans. It is not available for Plan B. Family coverage covers you, your spouse and dependent children. All family members must be under the age of 60. Plan A Emergency Medical is 2X the premium due for the oldest traveler under age 60. Trip Interruption is 3X the premium due for the oldest traveler under age 60.

What if I need or want to stay longer than planned?

To extend your coverage, you must make the request before the expiry date or the date you were scheduled to return home as per confirmation. If you have not had a medical condition or pending claim since your effective date of insurance, the extension may be issued upon request. If you have a medical condition or pending claim, the extension is subject to the approval of the Assistance Centre.

Are refunds available?

When you return home before the scheduled return date as per the confirmation, and have not reported or initiated a claim or have been provided with any assistance services, refunds are available for the unused days of the trip.

Why are premiums calculated on the insured's age at the time of the effective date instead of on the date of application?

Under the policy, 'age' is defined as the insured's age on the effective date of coverage. In order to keep in line with that policy definition, the 'age' used in calculating the daily premium should be the insured's age at the effective date of coverage.

What is the Trip Break benefit?

This insurance allows the policyholder to return home without terminating coverage, if the policyholder has requested and received prior approval from the Assistance Centre. Coverage will be suspended but will not be terminated while the policyholder is at home. The suspension of coverage will end and coverage will be reinstated when the policyholder arrives back to Canada. There will be no refund of premium for any of the days during any return home.

Note: this policy will not cover any expenses or benefits relating to any emergency medical and non-emergency medical services for any injury that occurred or illness that started at home.

Why do you have to call the Assistance Centre prior to receiving any medical treatment?

We ask you to call our Assistance Centre within 24 hours of hospitalization so that we can confirm, with the health care provider, your enrolment under the plan, manage the benefits in accordance with your policy, and, when possible, avoid any out-of-pocket expenses for you. If you do not call the Assistance Centre, you will have to pay 20% of the medical expenses normally covered under this policy. If it is medically impossible for you to call, please have someone call on your behalf. It is your responsibility to ensure that the Assistance Centre has been notified.

Immediate access to the Assistance Centre is also available through its TravelAid mobile app. To download the app, visit: http://Active-care.ca/TravelAid.

How can I fill out an application if I am not in Canada?

To apply for coverage, you or someone on your behalf may complete the Visitors-to-Canada application. If someone other than you completes the application, he/she must ensure that he/she is aware of your health history in order to accurately complete the form. Any incorrect statements on the application may make the policy null and void.

Does this policy cover newborns?

In order to be covered under this plan, children have to be at least 30 days old.

CoverMe Travel Insurance for Students

Why does any Canadian student travelling out of country need travel insurance? If a traveller gets sick while out of Canada, won't our government health insurance plan pay for their medical expenses?

"BON VOYAGE, BUT ...", published by Global Affairs Canada states: "Do not rely on your provincial health plan to cover costs if you get sick or are injured while abroad. At best, your health plan will cover only a portion of the bill.

You may also want to purchase a travel insurance package that includes flight cancellation, trip interruption and/or lost luggage coverage. Doing so can avoid major disruptions and additional costs. Again, check the terms and conditions of these policies."

I am leaving my province of residence to travel to another province to study. Is student medical travel insurance necessary when travelling within Canada?

Government health insurance plans do have limits on the reimbursement of the emergency medical expenses incurred while in another province. For example, air and ground ambulance costs, emergency dental treatment and prescription drugs as well as follow-up visits or out-patient visits or non-emergency medical services might not be covered outside your province of residence. Unlike Canadian provincial/territorial government health insurance plans, CoverMe Travel insurance for Students also offers tuition protection in the event of a medical emergency. For maximum protection you should purchase additional medical coverage even while travelling within Canada. You can also insure your spouse and children who will live with you while you are covered under this policy.

Are there age limits for CoverMe Travel insurance for Students?

Coverage is available up to and including the age of 54.

Can CoverMe Travel insurance for Students coverage be extended during my trip?

If you already have coverage, simply call the Assistance Centre at 1-877-331-3134 or 1-519-251-7401. You may be able to extend your coverage as long as:

  • Your period of coverage does not extend beyond 365 days;
  • You remain eligible for insurance under this plan;
  • We have received the extension requests prior to the expiry date of your existing policy issued by us; and
  • There has been no change between single or family coverage.

Note: For policy extensions, no losses or expenses or benefits will be paid for any illness or injury which first appeared, whether diagnosed or not, or for which treatment may or may not have been received prior to the effective date of the extension of coverage under this policy.

Do you cover foster children in your definition of dependent children?

Yes.

Can I purchase family coverage for only one parent and his/her children?

Yes, you will need to purchase a family plan and have the parent's children listed on your confirmation of coverage.

Are there any deductibles under these plans?

CoverMe Travel insurance for Students applies no deductible amount to claims.

Does your policy provide for services offered in out-patient clinics and doctors' offices or do I have to be hospitalized?

A medical emergency is eligible for coverage if treated in an out-patient clinic or doctor's office. You must contact our Assistance Centre at 1-877-331-3134 or 1-519-251-7401 prior to receiving any treatment.

The policy says that in the case of a medical emergency I am supposed to call the Assistance Centre. What if I don't get a chance to do that - will I still be covered?

We ask you to call our Assistance Centre at 1-877-331-3134 or 1-519-251-7401 so that we can confirm, with your healthcare provider, your enrolment in the plan, manage the benefits in accordance with your policy, and, when possible, avoid any out-of-pocket expenses for you. If you do not call the Assistance Centre at 1-877-331-3134 or 1-519-251-7401, you will have to pay 20% of the medical expenses normally covered under the policy. If it is medically impossible for you to call, please have someone call us on your behalf. It is your responsibility to ensure that the Assistance Centre at 1-877-331-3134 or 1-519-251-7401 has been notified.

Immediate access to the Assistance Centre is also available through its TravelAid mobile app. To download the app, visit: http://Active-care.ca/TravelAid.

Hospital and medical bills can easily run into thousands of dollars. Would I need to pay up front if I had an accident while travelling?

As outlined in our insurance policies, it is essential that you contact our Assistance Centre at 1-877-331-3134 or 1-519-251-7401 prior to receiving medical treatment. The Assistance Centre at 1-877-331-3134 or 1-519-251-7401 has existing relationships with medical providers all over the world, to ensure emergency situations are handled as smoothly as possible. Our Assistance Centre at 1-877-331-3134 or 1-519-251-7401 will communicate with your medical provider, arrange direct billing where possible and coordinate payment of the emergency service received.

What is the maximum number of coverage days under this policy?

Under this policy, the maximum number of coverage days is 365 days. After 365 days of continuous coverage, we may issue you another policy.

What is covered when I travel outside Canada?

If your home country is Canada and you have purchased coverage for an outbound trip, you are covered for emergency and non-emergency medical benefits while travelling outside of Canada for the period of coverage shown on your confirmation.

If your home country is not Canada and you have purchased coverage for an inbound trip, you are covered for emergency medical benefits while you travel outside Canada for periods of up to fifteen (15) consecutive days, provided your travel outside Canada does not exceed 49% of your period of coverage and as long as your travel outside of Canada originates and terminates in Canada and, in the case of students from abroad studying in Canada, excludes your home or home country.

Can I go home to my country of origin during any school breaks?

Yes. The Trip Break benefit offers up to twenty-one (21) consecutive days to return home to attend special events if you have requested and received prior approval from our Assistance Centre at 1-877-331-3134 or 1-519-251-7401. Your coverage will be suspended but will not terminate while you are home. Your suspension of coverage will end and your coverage will be reinstated when you arrive in Canada if you are inbound, or when you leave Canada if you are outbound, or when you leave home if you are a national student. There will be no refund of premium for any of the days that you have returned home.

Can I get an income tax receipt for the premium paid on this policy?

Manulife will provide a confirmation for the premium payment, which is an official receipt recognized by Canada Revenue Agency.