Non-Medical Inclusive Travel Insurance Plan

If you have emergency medical insurance coverage, but want to add trip cancellation & interruption insurance, baggage loss or delay, flight accident and more, consider this plan. Our CoverMe® Non-Medical Travel Insurance Plan fills the gap when you’re already covered for medical events (e.g., through an employer or credit card), but want additional protection.

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With CoverMe’s Non-Medical Inclusive Travel Insurance Plan, you get trip cancellation and trip interruption insurance whether you’re travelling within Canada or abroad. This insurance plan, available to both individuals and families, also covers you for baggage loss, damage or delay, and flight accident or travel accident insurance.

See the policy for detailed information on benefits, limitations and exclusions.

Key benefits

  • Comprehensive travel coverage outside and within Canada
  • Up to the covered amount for trip cancellation
  • Unlimited coverage for trip interruption
  • Up to $1,500 for baggage loss or damage, or up to $500 for baggage delay
  • Up to $100,000 for flight accident and up to $50,000 for travel accident insurance


  • Are at least 30 days of age
  • Canadian resident
  • Covered by a Canadian provincial or territorial health insurance plan
  • Available to individuals and families, provided they do not fall within the exclusions cited
  • Click “View more” to see what conditions make you ineligible for coverage.


  • Trip cancellation insurance, up to the covered amount
  • Unlimited trip interruption insurance
  • Up to $100,000 for flight accident insurance
  • Up to $50,000 for travel accident insurance 
  • Up to $1,500 for baggage loss or damage, and up to $500 for baggage delay
  • Up to $2,700 for misconnection and travel disruption benefits

Additional coverage

  • Missed connections
  • Delayed return
  • Default protection






Trip interruption and cancellation exclusions for pre-existing medical conditions vary by coverage amount. Click "View More" for more details.


Cancel for any reason (CFAR) rider

  • Our cancel for any reason rider allows you to request reimbursement for up to 50% of the pre-paid portion of your trip that is non-refundable. It is an add-on for events not covered under your current policy.
  • The CFAR rider must be purchased within 7 days of booking your trip and you can cancel for any reason up to 10 days or more before your departure date.

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 assistance if you need to cancel or interrupt your trip.

Does this policy seem like a good match for your needs?

These plans may also work well for you

Single-Trip All-Inclusive Plan

Get increased medical coverage up to $10 million and more robust all-inclusive coverage.

Trip Cancellation and Trip Interruption Plan

Get standalone trip cancellation and trip interruption coverage in case you have to cancel or interrupt your trip for medical or other reasons.

Multi-Trip All-Inclusive Plan

Get increased medical and all-inclusive coverage for an unlimited number of trips during the year.

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Review our travel options side-by-side.

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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 1-800-268-3763 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 1-800-268-3763 and we will do our best to help you.

Manulife CoverMe’s All-Inclusive Plan (Single-Trip or Multi-Trip), Non-Medical Inclusive Plan, Youth All-Inclusive Plan, and Youth Deluxe Plan contains Baggage Loss, Damage & Delay insurance. There are benefits available in the event of baggage theft or lost/stolen travel documentation (passport, driver’s license, visa). It is important in these instances to be prudent and report any losses to the authorities so full documentation of the situation is recorded. Conditions, limitations, exclusions apply, please see the policy for full details.

Any plan containing Trip Cancellation and Interruption insurance contains benefits for misconnection and travel disruptions resulting from common carrier schedule changes.

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