Multi-Trip Travel Insurance Top-Up
Multi-trip plans help protect an unlimited number of trips up to a specific number of days per trip – but what if you're planning a longer trip? Simply top up!
It doesn't matter if your multi-trip plan is with Manulife or with another insurer. The CoverMe Multi-Trip Top-up can cover emergency medical costs for the extra days you'll be away.
See the policy for detailed information on benefits, limitations and exclusions.
Simple, affordable protection for worldwide travel
- Up to $10 million in emergency medical benefits
- Covers a wide range of expenses for health services, transportation and more
Apply before your multi-trip plan expires
- Canadian residents of any age*
- Covered by a Canadian provincial or territorial health insurance plan
- No medical questions at time of application (under age 60)
- Click "View More" to see what conditions make you ineligible for coverage.
* Dependent children must be at least 30 days old.
Check your plan's rules
- Confirm your policy allows a top-up without reducing your coverage
Cover many emergency medical costs
- Hospital and physician services
- Emergency medical return home
- Extra meal, hotel, child care and phone call costs
- Any pre-existing medical conditions if not stable for three months (rate category A) or six months (rate category B and C) before the effective date of your insurance
- Your heart condition if any heart condition was not stable or required any form of nitroglycerine for the relief of angina pain during the stability period for your rate category
- Your lung condition if any lung condition was not stable or required treatment with oxygen or Prednisone during the stability period for your rate category
Carry your policy everywhere you travel
Keep your policy and wallet card safe, and take them with you everywhere you go on your trip. Your wallet card has contact information for our Assistance Centre, available 24/7, if you need to access your benefits while you're away. In addition, get the TravelAid mobile app, which can provide directions to the nearest medical facility and local emergency telephone numbers.
You must contact the Assistance Centre before you receive any treatment while on your trip. If you don't, you will have to pay 20% of the medical expenses that would normally be covered under this policy, and some benefits may be limited or not covered.
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Top 5 questions about travel insurance
When you travel outside your home province or territory, even if you're still in Canada, there are limits on how much your government health insurance plan will pay. Costs that may not be covered include air and ground ambulance, emergency dental treatment and prescription drug expenses. Travel insurance can help with these costs, so it makes sense to have it whether you're visiting another part of Canada or another part of the world.
We can top up travel insurance offered by another insurer, adding extra days to your current coverage. You are responsible for ensuring that your current coverage is in force and allows top-ups. Your top-up coverage is subject to CoverMe® Travel Insurance's terms and conditions.
For single-trip plans, you can add extra days of coverage while you're travelling provided that there has been:
- No event that has resulted or may result in a claim against the policy, and
- No change in your health status
You must call 1-877-268-3763 before your coverage expires and pay the appropriate premium.
For multi-trip plans, it's best to add extra days of coverage before you leave home. Simply get a top-up up to the maximum allowed by your government health insurance plan. If you need to add extra days of coverage while you're travelling, call 1-877-268-3763 and we will do our best to help you.
A dependent grandchild meets our definition of "child." To be covered, your grandchild must be named on your confirmation and be travelling with you. Keep in mind that all travellers covered under a family travel insurance plan must be under age 60.
All our travel insurance plans for travelling Canadians start with a $0 deductible. You can save money with a higher deductible on our Single-Trip Emergency Medical Plan and Multi-Trip Emergency Medical Plan (these deductibles apply only to emergency medical coverage. COVID-19 Pandemic Travel plan not included):
- $500 deductible – save 10%
- $1,000 deductible – save 15%
- $5,000 deductible – save 30%
- $10,000 deductible – save 35%
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