Travel Insurance
When you’re ready to travel, your protection is our priority
Whether you’re headed to the hills or across the pond, grabbing a beach
towel or your backpack, hitting the road or the links, or finally taking your
dream holiday; across Canada or around the world, we’ve got you covered.
Your world awaits… pack your bags and go!
Get more information or your no-obligation quote today:
It’s travel insurance protection you can trust
For your protection – when travelling, you’re protected with 24/7 worldwide emergency assistance and an industry-leading $10 million Canadian policy limit. A team of dedicated case managers answer your assistance calls and ensure appropriate care is being received. Medical concierge services from StandbyMD provide telephone access to qualified physicians when you travel.
It’s easy to obtain coverage – to buy online, just click for a quote and you’ll be shown your pricing options. If you prefer, call toll-free to speak with a licensed travel insurance specialist who is qualified to recommend coverage that suits you best, based on your health and travel plans. For travellers age 59 or under, no medical exam is needed to apply; just answer your health questions over the phone. If requested, a licensed specialist can assist with your medical declaration.
- And don’t forget about savings – if you and your travel companions are insured with Travel Choice 2 Emergency Medical Plans, both premiums will be reduced by 5% – not applicable to Family Coverage. Plus, check the posted application or ask a licensed specialist about deductible options that could help you save up to 35%!
Important details are listed below. Choose from six coverage options including single-trip and multi-trip emergency medical plans, all-inclusive plans, trip cancellation and interruption, personal underwriting, in-Canada plans and more – even coverage for your unstable pre-existing conditions. Coverage is available for travellers of all ages, from age 30 days to age 85-plus.
you’re not completely satisfied with your policy, we’ll provide a full refund if you have not already
departed on your trip and there is no claim in progress. Please refer to your policy for full details.
Important coverage details are shown below. If you’d like more information, call 1.866.943.6017 toll-free to speak a licensed travel insurance specialist.
Single-trip emergency medical plans
- May be the ideal option if: You’re planning one long trip or one or two short trips out-of-province per year. Extensions and top-ups are available.
- Available coverage: You can obtain coverage from one day, up to the maximum number of days allowed with your provincial health insurance plan.
- Note: Single-trip and multi-trip policies can even be combined to ensure the most coverage for the lowest price.
Single-trip all-inclusive plan
- May be the ideal option if: You want comprehensive protection for one long trip or one or two short trips out-of-province per year.
- Available coverage: Emergency medical, trip cancellation and interruption, accidental death & dismemberment, lost or delayed baggage.
Multi-trip emergency medical plans
- May be the ideal option if: You plan to travel out-of-province more than two times within a 12 month period.
- Available coverage: You can obtain coverage for any number of trips per policy year of 4, 10, 18, 30, and 60 days each. And if your plans change, extensions and top-ups are available if required.
- Note: Multi-trip and single-trip policies can even be combined to ensure the most coverage for the lowest price.
Personal underwriting
- May be the ideal option if: Your medical conditions make it difficult to place you into a pre-designated health category. Licensed travel insurance specialists can assess individual medical conditions.
- Available coverage: Customized to your medical situation, including coverage for your pre-existing conditions without a stability period.
Trip cancellation & interruption plan
- May be the ideal option if: You’d like stand-alone protection in case you are unable to travel, or your trip is interrupted due to a covered event.
- Includes: Trip cancellation; up to the covered amount for the prepaid unused portion of your trip that is non-refundable & non-transferable to another travel date. Trip interruption; up to the covered amount for unused travel arrangements paid for prior to your departure date, that is non-refundable and non-transferable to another travel date. Please refer to your policy for full coverage details.
In-Canada medical plans
- Why you may need this coverage: Canada’s interprovincial reciprocal billing for medical services is equal only to coverage provided in your home province or territory.
- Available coverage: You can obtain single-trip coverage of one day up to your provincial maximum if you travel in Canada for your entire trip.
Make sure your passport is valid
Before you leave, it’s also essential to make sure your travel documents are in order. Your Canadian passport should be valid for at least six months beyond your return date, as some countries won’t let you in otherwise. This little-known passport rule can catch travellers off guard and is a quick-fire way to end your vacation before it’s even begun.
Check requirements at your destination
Depending on your destination, you might also need a visa, proof of vaccinations, or even additional paperwork. Don’t leave it until the week before your trip to check these things, either, as it may be too late to get what you need.
Prepare for emergency situations before hand
Before you catch your flight, check that your travel insurance policy includes coverage for medical evacuations, pre-existing conditions, and even repatriation in case of death. Also, keep in mind that if you’re travelling to a region with a Government of Canada advisory to “avoid all travel” or “avoid non-essential travel,” your travel insurance policies may no longer cover you.
Understand the government travel advisory levels and what they mean
Level 1: Take normal security precautions – similar to those you would take in Canada.
Level 2: Exercise a high degree of caution – safety and security concerns or situations could change quickly. Be very cautious at all times, monitor local media, follow instructions of local authorities.
Important: The two levels below are official Government of Canada Travel Advisories and are issued when the safety and security of Canadians travelling or living in the country or region may be at risk.
Level 3: Avoid non-essential travel – your safety and security could be at risk. Think about your need to travel to this country, territory or region, or if you are already there, think about leaving.
Level 4: Avoid all travel – you should NOT travel to this country, territory or region. Personal safety and security are at great risk. If you are already there, think about leaving if it is safe to do so.
To help you stay informed, Government of Canada Travel Advisories and advice are posted below.
For travel outside Canada or even out of province
Whether you’re travelling out-of-country or just outside your home province or territory, coverage provided by government health plans for hospital and medical expenses can be very limited – and usually will not be sufficient to cover the full cost of the services rendered. For details on health care coverage in Canada, in addition to your province or territory’s out-of-country services for travellers, plus “physical presence” details for snowbirds, click the link for your province or territory:
Ensure the coverage you buy will meet your needs
Along with explaining your options and recommending the coverage that best suits your needs, licensed travel insurance specialists are here to answer your questions.
So give yourself enough time to read the policy to learn what is and isn’t covered. If you don’t see it in writing, don’t assume you’re covered – call toll-free and ask questions BEFORE you buy. For example:
- Pre-existing conditions: What are the restrictions and limitations?
- Full length of trip: Are you covered for the duration of the trip?
- Change of plans: Can coverage be extended after you’ve departed?
- Return trip home: Is it paid for in the event of an emergency?
- Assistance services: What is offered, and how are services accessed?
And to help avoid problems in case of a claim, before travelling ensure that you fully understand your obligations in case of a medical emergency.
On your application, honesty is the only policy
You need to answer all questions on your application accurately and honestly. Otherwise the policy may be voided, and your claim may be denied.
Remember, licensed specialists are qualified to assist with your medical declaration and work with you to help ensure that you understand all medical questions. But if you’re unsure of the meaning of any questions on the application, or are unsure of your medical conditions, they will recommend that you verify your information with your doctor.
Travel Health Insurance Association of Canada
The Travel Health Insurance Association of Canada is a national organization of travel insurance providers working together for the protection of the travelling Canadian. THiA’s suggested travel insurance shopping tips include:
- Don’t buy on price alone. Insurance plans differ. All policies need to fit your health profile.
- Many plans cover pre-existing conditions that are stable and controlled, but you have to understand what “stable and controlled” means. If you must complete a medical application, do it completely and accurately and get your doctor’s help if you need to.
- Don’t wait to the last minute to buy your insurance. If you need to provide medical information you may want to consult your doctor or your pharmacist or a family member who knows about your medical history. Leave time to do this properly.
- If you buy early for a trip you’re taking later on in the year and your health changes in the interim, notify your insurer immediately.
- For those with medical conditions, the best way to purchase travel insurance is to speak with a qualified advisor who deals extensively in travel insurance.
Great resource: Download and read the Travel insurance consumer guide
Canadian Life and Health Insurance Association
The Canadian Life and Health Insurance Association is a voluntary trade association working on behalf of all its member life and health insurers. It produces a number of publications designed to assist Canadian consumers in making informed decisions.
One such CLHIA publication, A guide to travel health insurance, is intended to help consumers make the most of their travel health insurance coverage. The guide outlines the unexpected costs that may arise when traveling can include emergency hospital/medical costs, trip cancellation, lost baggage etc., but points out that not all plans cover all of these components.
Great resource: Read A guide to travel health insurance
If you’re ready to travel, start with the right protection
Whether you’d like a no-obligation quote or more information, call toll-free. A licensed travel insurance specialist from CanAm Insurance Services is here to answer your questions, explain your options and help select the right coverage for your needs based on your health and travel plans.
Underwritten by The Manufacturers Life Insurance Company and First North American Insurance Company, a wholly owned subsidiary of Manulife, PO Box 670, Stn. Waterloo, Waterloo, ON N2J 4B8.
Administered by CanAm Insurance Services (2018) Limited, travel insurance management specialists.
Manulife, Manulife & Stylized M Design, and Stylized M Design are trademarks of The Manufacturers Life Insurance Company and are used by it, and by its affiliates under license. © 2024 The Manufacturers Life Insurance Company. All rights reserved.