Manulife CoverMe
CoverMe™ Travel Insurance for Visitors to Canada
What's Covered

Choose the coverage that suits your needs

This chart gives a brief overview of the comprehensive travel insurance coverage CoverMe Travel offers Visitors to Canada. For detailed information on our plans, please choose Single-Trip plan. 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
  • Single-Trip Plan: $15,000, $25,000, $50,000, $100,000 or $150,000
Side Trips Outside Canada
  • Single-Trip plans include coverage while travelling outside Canada (excluding your country of origin) as long as your side trip originates and terminates in Canada and does not exceed the lesser of: 30 days per policy or 49% of your total number of coverage days.
Travel Accident
  • Up to $50,000 for death or double dismemberment
  • Up to $25,000 for single dismemberment
Optional Trip Interruption
  • Up to $1,500 for Single Coverage
  • Up to $5,000 for Family Coverage

Coverage Start and End Dates

Plan Coverage Starts* (effective date) Coverage Ends**
Single-Trip Plans On the later of:
  • the effective date of insurance; or
  • the time and date you arrive in Canada from home
On the earliest of the following:
  • each time you leave Canada to return home;
  • when your policy expires, as shown in your confirmation;
  • when you become a resident of a nursing home, home for the aged, or other long term care facility during your trip;
  • no more than 365 days after your effective date of insurance; or
  • the first day you become insured under a government health insurance plan

Please note: The applicable waiting period applies to any sickness or illness if you purchased insurance after your arrival in Canada, except in the case of accidental bodily injury.

* When coverage is purchased prior to leaving home with an effective date equal to the date and time you are scheduled to arrive in Canada, coverage will also be provided with no additional premium during your uninterrupted flight directly to Canada. An uninterrupted flight can include a stop-over provided you do not leave the airport.

** When coverage is purchased prior to leaving Canada to return home with an expiry date equal to the date and time you are scheduled to leave Canada, coverage will also be provided with no additional premium during your uninterrupted flight from Canada directly home. An uninterrupted flight can include a stop-over provided you do not leave the airport.

Waiting period

A waiting period applies if the insurance is purchased after arrival in Canada and applies to any sickness or illness. The waiting periods are:

  • the 48-hour period following the effective date of insurance if the insurance is purchased within 30 days of arrival in Canada; or
  • the 8-day period following the effective date of insurance if the insurance is purchased more than 30 days after arrival in Canada.

The waiting period will be waived:

  • in case of accidental bodily injury; or
  • if you purchased this policy prior to the expiry date of an existing Visitors to Canada policy already issued by Manulife, to take effect on the day following such expiry date, provided that there is no increase in the coverage amount or change in the Plan you select.

Refunds and Extensions

Refunds:

You can obtain a refund of premium if:

  • you cancel your policy at any time before the effective date of insurance; or
  • you obtain Canadian government health insurance plan coverage, or return home before the date you were scheduled, as per your confirmation, and have not reported or initiated a claim or been provided with any assistance services; you may ask for a refund of the premium for the unused days of the trip.

Simply contact us to ask for a refund and provide proof of the date you actually returned home or the effective date of your Canadian government health insurance plan coverage. All travellers insured under the same policy must return together or have effective Canadian government health insurance plan coverage, for a refund to be possible.

Extensions:

Automatic extension of your coverage is provided beyond the date you were scheduled to return home as per your confirmation if:

  • your carrier is delayed. In this case, we will extend your coverage for up to 72 hours;
  • you are hospitalized. In this case, we will extend your coverage during the hospitalization and for up to 5 days after discharge from the hospital;
  • you have a medical condition that does not require hospitalization but prevents travel. In this case, we will extend your coverage for up to 5 days.

In any case, we will not extend your coverage beyond 12 months after your effective date of insurance.

To extend your coverage, you must make your request before your expiry date or the date you were scheduled to return home as per your confirmation. If you have not had a change in your health status, submitted a claim, or had an event that has resulted in or may result in a claim against the policy, the extension may be issued upon request. If you have, the extension is subject to the approval of the Assistance Centre.